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%14.1%
1 years$56,154$55,654$55,166$54,689$54,224$53,304
2 years$27,799$27,281$26,779$26,293$25,821$24,897
3 years$18,349$17,829$17,328$16,846$16,382$15,482
4 years$13,624$13,106$12,610$12,137$11,684$10,816
5 years$10,790$10,275$9,786$9,322$8,882$8,048
6 years$8,902$8,390$7,909$7,455$7,028$6,229
7 years$7,553$7,046$6,572$6,129$5,716$4,952
8 years$6,542$6,040$5,574$5,142$4,742$4,013
9 years$5,757$5,259$4,801$4,379$3,993$3,300
10 years$5,128$4,635$4,185$3,775$3,402$2,743
11 years$4,615$4,127$3,685$3,286$2,926$2,300
12 years$4,187$3,704$3,270$2,882$2,536$1,943
13 years$3,825$3,347$2,922$2,544$2,211$1,650
14 years$3,515$3,043$2,625$2,258$1,938$1,408
15 years$3,247$2,779$2,370$2,014$1,707$1,206
16 years$3,013$2,550$2,149$1,803$1,508$1,036
17 years$2,806$2,348$1,955$1,620$1,337$893
18 years$2,622$2,170$1,785$1,460$1,189$771
19 years$2,459$2,011$1,634$1,320$1,060$668
20 years$2,311$1,869$1,500$1,195$947$579
21 years$2,178$1,741$1,379$1,085$847$502
22 years$2,057$1,625$1,271$986$759$437
23 years$1,947$1,520$1,174$898$682$380
24 years$1,846$1,424$1,086$819$613$331
25 years$1,753$1,336$1,005$748$551$289
26 years$1,668$1,256$933$684$497$252
27 years$1,589$1,182$866$626$448$220
28 years$1,516$1,114$805$574$404$192
29 years$1,448$1,051$749$526$365$168
30 years$1,384$992$698$483$330$146
31 years$1,325$938$651$443$298$128
32 years$1,270$888$607$407$270$112
33 years$1,218$841$567$375$244$98
34 years$1,169$797$530$345$221$86
35 years$1,123$756$495$317$200$75
36 years$1,080$717$463$292$181$66
37 years$1,039$681$433$269$164$58
38 years$1,001$647$406$248$149$50
39 years$964$616$380$229$135$44
40 years$930$586$356$211$123$39
41 years$897$558$334$195$111$34
42 years$866$531$314$180$101$30
43 years$836$506$294$166$92$26
44 years$808$482$276$153$83$23
45 years$781$460$259$141$75$20
46 years$755$439$244$131$68$17
47 years$731$419$229$121$62$15
48 years$708$400$215$112$56$13
49 years$685$382$202$103$51$12
50 years$664$365$190$95$47$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $680,000, adding $4,727 every year, while hoping to spend $25,929 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: 56/20/24 Blend
34$680,000$680,000$680,000$680,000
35$754,236$718,196$707,656$791,293
36$803,580$725,799$703,774$824,810
37$857,088$732,906$698,893$858,176
38$915,157$739,465$692,953$893,982
39$978,224$745,420$685,888$932,468
40$1,046,771$750,714$677,633$973,905
41$1,121,326$755,283$668,118$1,018,586
42$1,202,471$759,061$657,269$1,066,840
43$1,290,845$761,977$645,010$1,119,027
44$1,387,154$763,957$631,261$1,175,547
45$1,492,173$764,920$615,937$1,236,841
46$1,606,755$764,781$598,951$1,303,395
47$1,731,839$763,451$580,211$1,375,749
48$1,868,459$760,833$559,621$1,454,495
49$2,017,754$756,826$537,081$1,540,291
50$2,180,976$751,321$512,484$1,633,860
51$2,359,506$744,206$485,722$1,736,004
52$2,554,861$735,358$456,680$1,847,606
53$2,768,716$724,649$425,237$1,969,641
54$3,002,911$711,943$391,269$2,103,187
55$3,259,476$697,096$354,644$2,249,432
56$3,540,643$679,955$315,226$2,409,690
57$3,848,874$660,358$272,871$2,585,409
58$4,186,877$638,134$227,430$2,778,189
59$4,557,638$613,101$178,748$2,989,795
60$4,964,442$585,069$126,662$3,222,174
61$5,410,911$553,833$71,001$3,477,477
62$5,901,033$519,180$11,589$3,758,076
63$6,439,201$480,882$0$4,066,588
64$7,030,255$438,701$0$4,419,171
65$7,679,525$392,381$0$4,809,772
66$8,392,884$341,656$0$5,238,989
67$9,176,803$286,241$0$5,710,753
68$10,038,408$225,838$0$6,229,401
69$10,985,553$160,131$0$6,799,712
70$12,026,888$88,786$0$7,426,954
71$13,171,944$11,451$0$8,116,934
72$14,431,224$0$0$8,876,056
73$15,816,295$0$0$9,727,275
74$17,339,906$0$0$10,666,477
75$19,016,102$0$0$11,699,810
76$20,860,356$0$0$12,836,821
77$22,889,720$0$0$14,088,031
78$25,122,979$0$0$15,465,034
79$27,580,834$0$0$16,980,601
80$30,286,093$0$0$18,648,807
81$33,263,886$0$0$20,485,161
82$36,541,905$0$0$22,506,749
83$40,150,663$0$0$24,732,400
84$44,123,781$0$0$27,182,861
85$48,498,306$0$0$29,880,993
86$53,315,061$0$0$32,851,988
87$58,619,027$0$0$36,123,603
88$64,459,772$0$0$39,726,425
89$70,891,912$0$0$43,694,159
90$77,975,635$0$0$48,063,944
91$85,777,259$0$0$52,876,706
92$94,369,864$0$0$58,177,542
93$103,833,979$0$0$64,016,148
94$114,258,343$0$0$70,447,282
95$125,740,742$0$0$77,531,289
96$138,388,928$0$0$85,334,664
97$152,321,642$0$0$93,930,682
98$167,669,730$0$0$103,400,087
99$184,577,379$0$0$113,831,859
100$203,203,475$0$0$125,324,048