Can I retire at age 35 with 680,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$56,154$55,654$55,166$54,689$54,224$53,591
2 years$27,799$27,281$26,779$26,293$25,821$25,184
3 years$18,349$17,829$17,328$16,846$16,382$15,760
4 years$13,624$13,106$12,610$12,137$11,684$11,083
5 years$10,790$10,275$9,786$9,322$8,882$8,303
6 years$8,902$8,390$7,909$7,455$7,028$6,472
7 years$7,553$7,046$6,572$6,129$5,716$5,183
8 years$6,542$6,040$5,574$5,142$4,742$4,232
9 years$5,757$5,259$4,801$4,379$3,993$3,506
10 years$5,128$4,635$4,185$3,775$3,402$2,938
11 years$4,615$4,127$3,685$3,286$2,926$2,484
12 years$4,187$3,704$3,270$2,882$2,536$2,115
13 years$3,825$3,347$2,922$2,544$2,211$1,812
14 years$3,515$3,043$2,625$2,258$1,938$1,559
15 years$3,247$2,779$2,370$2,014$1,707$1,348
16 years$3,013$2,550$2,149$1,803$1,508$1,169
17 years$2,806$2,348$1,955$1,620$1,337$1,016
18 years$2,622$2,170$1,785$1,460$1,189$886
19 years$2,459$2,011$1,634$1,320$1,060$774
20 years$2,311$1,869$1,500$1,195$947$678
21 years$2,178$1,741$1,379$1,085$847$594
22 years$2,057$1,625$1,271$986$759$522
23 years$1,947$1,520$1,174$898$682$458
24 years$1,846$1,424$1,086$819$613$403
25 years$1,753$1,336$1,005$748$551$355
26 years$1,668$1,256$933$684$497$313
27 years$1,589$1,182$866$626$448$276
28 years$1,516$1,114$805$574$404$244
29 years$1,448$1,051$749$526$365$215
30 years$1,384$992$698$483$330$190
31 years$1,325$938$651$443$298$168
32 years$1,270$888$607$407$270$148
33 years$1,218$841$567$375$244$131
34 years$1,169$797$530$345$221$116
35 years$1,123$756$495$317$200$103
36 years$1,080$717$463$292$181$91
37 years$1,039$681$433$269$164$81
38 years$1,001$647$406$248$149$71
39 years$964$616$380$229$135$63
40 years$930$586$356$211$123$56
41 years$897$558$334$195$111$50
42 years$866$531$314$180$101$44
43 years$836$506$294$166$92$39
44 years$808$482$276$153$83$34
45 years$781$460$259$141$75$31
46 years$755$439$244$131$68$27
47 years$731$419$229$121$62$24
48 years$708$400$215$112$56$21
49 years$685$382$202$103$51$19
50 years$664$365$190$95$47$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $680,000, adding $3,557 every year, while hoping to spend $33,186 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 52/30/18 Blend
34$680,000$680,000$680,000$680,000
35$753,029$716,989$706,449$788,302
36$794,528$716,812$694,805$812,737
37$839,148$715,514$681,660$835,534
38$887,172$713,005$666,926$859,608
39$938,911$709,189$650,515$885,090
40$994,707$703,966$632,334$912,127
41$1,054,934$697,228$612,285$940,882
42$1,120,006$688,861$590,265$971,538
43$1,190,376$678,744$566,168$1,004,295
44$1,266,541$666,750$539,882$1,039,378
45$1,349,050$652,742$511,289$1,077,036
46$1,438,505$636,577$480,269$1,117,548
47$1,535,567$618,104$446,692$1,161,220
48$1,640,964$597,161$410,426$1,208,396
49$1,755,499$573,579$371,332$1,259,453
50$1,880,052$547,176$329,263$1,314,815
51$2,015,591$517,762$284,068$1,374,947
52$2,163,185$485,136$235,588$1,440,369
53$2,324,007$449,084$183,657$1,511,655
54$2,499,348$409,382$128,102$1,589,442
55$2,690,630$365,790$68,742$1,674,436
56$2,899,418$318,057$5,388$1,767,421
57$3,127,434$265,917$0$1,869,262
58$3,376,574$209,089$0$1,992,870
59$3,648,926$147,276$0$2,129,239
60$3,946,788$80,164$0$2,278,551
61$4,272,690$7,422$0$2,442,151
62$4,629,420$0$0$2,621,527
63$5,020,045$0$0$2,841,857
64$5,447,943$0$0$3,085,963
65$5,916,837$0$0$3,353,526
66$6,430,824$0$0$3,646,894
67$6,994,418$0$0$3,968,651
68$7,612,589$0$0$4,321,646
69$8,290,813$0$0$4,709,014
70$9,035,120$0$0$5,134,211
71$9,852,154$0$0$5,601,041
72$10,749,233$0$0$6,113,696
73$11,734,416$0$0$6,676,795
74$12,816,584$0$0$7,295,425
75$14,005,519$0$0$7,975,189
76$15,311,996$0$0$8,722,261
77$16,747,889$0$0$9,543,443
78$18,326,276$0$0$10,446,228
79$20,061,567$0$0$11,438,872
80$21,969,637$0$0$12,530,471
81$24,067,976$0$0$13,731,044
82$26,375,855$0$0$15,051,634
83$28,914,506$0$0$16,504,404
84$31,707,321$0$0$18,102,759
85$34,780,074$0$0$19,861,465
86$38,161,164$0$0$21,796,795
87$41,881,882$0$0$23,926,675
88$45,976,703$0$0$26,270,862
89$50,483,617$0$0$28,851,122
90$55,444,480$0$0$31,691,438
91$60,905,415$0$0$34,818,237
92$66,917,242$0$0$38,260,640
93$73,535,958$0$0$42,050,732
94$80,823,268$0$0$46,223,870
95$88,847,162$0$0$50,819,013
96$97,682,561$0$0$55,879,090
97$107,412,021$0$0$61,451,406
98$118,126,509$0$0$67,588,087
99$129,926,266$0$0$74,346,572
100$142,921,750$0$0$81,790,153