Can I retire at age 35 with 681,000?

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 $681,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$56,236$55,735$55,247$54,770$54,304$52,524
2 years$27,840$27,321$26,819$26,332$25,859$24,082
3 years$18,375$17,855$17,354$16,871$16,406$14,689
4 years$13,644$13,125$12,629$12,155$11,701$10,056
5 years$10,806$10,290$9,801$9,336$8,895$7,327
6 years$8,915$8,403$7,920$7,466$7,038$5,549
7 years$7,564$7,057$6,582$6,138$5,724$4,313
8 years$6,552$6,049$5,582$5,149$4,749$3,414
9 years$5,765$5,267$4,808$4,386$3,999$2,740
10 years$5,136$4,642$4,191$3,781$3,407$2,222
11 years$4,621$4,133$3,690$3,290$2,930$1,816
12 years$4,193$3,709$3,275$2,886$2,539$1,494
13 years$3,831$3,352$2,926$2,548$2,214$1,236
14 years$3,521$3,047$2,629$2,262$1,941$1,026
15 years$3,252$2,783$2,374$2,017$1,709$854
16 years$3,017$2,554$2,152$1,806$1,511$714
17 years$2,810$2,352$1,958$1,623$1,339$597
18 years$2,626$2,173$1,788$1,462$1,191$501
19 years$2,462$2,014$1,636$1,321$1,061$421
20 years$2,315$1,872$1,502$1,197$948$354
21 years$2,181$1,743$1,381$1,086$848$298
22 years$2,060$1,627$1,273$988$761$251
23 years$1,950$1,522$1,176$899$683$212
24 years$1,849$1,426$1,087$820$614$179
25 years$1,756$1,338$1,007$749$552$151
26 years$1,670$1,258$934$685$497$127
27 years$1,591$1,184$867$627$448$108
28 years$1,518$1,115$806$574$405$91
29 years$1,450$1,052$750$527$365$77
30 years$1,386$994$699$483$330$65
31 years$1,327$939$651$444$298$55
32 years$1,272$889$608$408$270$47
33 years$1,220$842$568$375$244$39
34 years$1,171$798$530$345$221$33
35 years$1,125$757$496$318$200$28
36 years$1,082$718$464$293$182$24
37 years$1,041$682$434$270$165$20
38 years$1,002$648$407$249$149$17
39 years$966$616$381$229$135$14
40 years$931$587$357$211$123$12
41 years$898$558$335$195$111$10
42 years$867$532$314$180$101$9
43 years$837$507$295$166$92$7
44 years$809$483$277$153$83$6
45 years$782$461$260$142$76$5
46 years$757$439$244$131$69$5
47 years$732$419$229$121$62$4
48 years$709$400$215$112$57$3
49 years$686$382$202$103$51$3
50 years$665$365$190$95$47$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $681,000, adding $3,842 every year, while hoping to spend $40,582 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: 63/20/17 Blend
34$681,000$681,000$681,000$681,000
35$754,425$718,332$707,777$798,510
36$788,197$710,351$688,308$820,622
37$824,055$700,620$666,827$839,809
38$862,166$689,008$643,224$859,797
39$902,718$675,380$617,383$880,666
40$945,913$659,592$589,183$902,507
41$991,974$641,490$558,499$925,420
42$1,041,146$620,913$525,199$949,516
43$1,093,694$597,689$489,144$974,922
44$1,149,913$571,638$450,192$1,001,778
45$1,210,122$542,566$408,192$1,030,240
46$1,274,675$510,273$362,987$1,060,482
47$1,343,958$474,542$314,413$1,092,700
48$1,418,394$435,147$262,299$1,127,109
49$1,498,450$391,848$206,465$1,163,952
50$1,584,635$344,393$146,725$1,203,498
51$1,677,512$292,512$82,885$1,246,045
52$1,777,697$235,923$14,740$1,291,926
53$1,885,866$174,328$0$1,341,513
54$2,002,764$107,410$0$1,405,734
55$2,129,209$34,835$0$1,478,065
56$2,266,099$0$0$1,556,381
57$2,414,423$0$0$1,650,916
58$2,575,267$0$0$1,761,786
59$2,749,826$0$0$1,882,153
60$2,939,415$0$0$2,012,928
61$3,145,478$0$0$2,155,114
62$3,369,607$0$0$2,309,815
63$3,613,550$0$0$2,478,244
64$3,879,233$0$0$2,661,736
65$4,168,775$0$0$2,861,763
66$4,484,507$0$0$3,079,940
67$4,828,994$0$0$3,318,049
68$5,205,062$0$0$3,578,051
69$5,615,819$0$0$3,862,101
70$6,064,688$0$0$4,172,576
71$6,555,438$0$0$4,512,090
72$7,092,217$0$0$4,883,523
73$7,679,594$0$0$5,290,045
74$8,322,598$0$0$5,735,147
75$9,026,769$0$0$6,222,673
76$9,798,205$0$0$6,756,857
77$10,643,626$0$0$7,342,361
78$11,570,429$0$0$7,984,320
79$12,586,761$0$0$8,688,389
80$13,701,599$0$0$9,460,798
81$14,924,826$0$0$10,308,408
82$16,267,330$0$0$11,238,776
83$17,741,106$0$0$12,260,228
84$19,359,363$0$0$13,381,933
85$21,136,656$0$0$14,613,993
86$23,089,016$0$0$15,967,538
87$25,234,103$0$0$17,454,825
88$27,591,375$0$0$19,089,363
89$30,182,265$0$0$20,886,028
90$33,030,388$0$0$22,861,214
91$36,161,760$0$0$25,032,981
92$39,605,044$0$0$27,421,225
93$43,391,818$0$0$30,047,870
94$47,556,875$0$0$32,937,066
95$52,138,550$0$0$36,115,427
96$57,179,078$0$0$39,612,272
97$62,724,996$0$0$43,459,907
98$68,827,577$0$0$47,693,927
99$75,543,317$0$0$52,353,552
100$82,934,465$0$0$57,481,997