Can I retire at age 35 with 681,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%11.8%
1 years$56,236$55,735$55,247$54,770$54,304$53,894
2 years$27,840$27,321$26,819$26,332$25,859$25,446
3 years$18,375$17,855$17,354$16,871$16,406$16,002
4 years$13,644$13,125$12,629$12,155$11,701$11,310
5 years$10,806$10,290$9,801$9,336$8,895$8,517
6 years$8,915$8,403$7,920$7,466$7,038$6,675
7 years$7,564$7,057$6,582$6,138$5,724$5,375
8 years$6,552$6,049$5,582$5,149$4,749$4,414
9 years$5,765$5,267$4,808$4,386$3,999$3,678
10 years$5,136$4,642$4,191$3,781$3,407$3,101
11 years$4,621$4,133$3,690$3,290$2,930$2,638
12 years$4,193$3,709$3,275$2,886$2,539$2,261
13 years$3,831$3,352$2,926$2,548$2,214$1,949
14 years$3,521$3,047$2,629$2,262$1,941$1,689
15 years$3,252$2,783$2,374$2,017$1,709$1,469
16 years$3,017$2,554$2,152$1,806$1,511$1,283
17 years$2,810$2,352$1,958$1,623$1,339$1,123
18 years$2,626$2,173$1,788$1,462$1,191$987
19 years$2,462$2,014$1,636$1,321$1,061$868
20 years$2,315$1,872$1,502$1,197$948$766
21 years$2,181$1,743$1,381$1,086$848$676
22 years$2,060$1,627$1,273$988$761$598
23 years$1,950$1,522$1,176$899$683$530
24 years$1,849$1,426$1,087$820$614$470
25 years$1,756$1,338$1,007$749$552$417
26 years$1,670$1,258$934$685$497$370
27 years$1,591$1,184$867$627$448$329
28 years$1,518$1,115$806$574$405$293
29 years$1,450$1,052$750$527$365$261
30 years$1,386$994$699$483$330$232
31 years$1,327$939$651$444$298$207
32 years$1,272$889$608$408$270$184
33 years$1,220$842$568$375$244$164
34 years$1,171$798$530$345$221$147
35 years$1,125$757$496$318$200$131
36 years$1,082$718$464$293$182$117
37 years$1,041$682$434$270$165$104
38 years$1,002$648$407$249$149$93
39 years$966$616$381$229$135$83
40 years$931$587$357$211$123$74
41 years$898$558$335$195$111$66
42 years$867$532$314$180$101$59
43 years$837$507$295$166$92$53
44 years$809$483$277$153$83$47
45 years$782$461$260$142$76$42
46 years$757$439$244$131$69$38
47 years$732$419$229$121$62$34
48 years$709$400$215$112$57$30
49 years$686$382$202$103$51$27
50 years$665$365$190$95$47$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $681,000, adding $5,659 every year, while hoping to spend $26,710 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: 65/15/20 Blend
34$681,000$681,000$681,000$681,000
35$756,299$720,206$709,651$801,277
36$805,023$727,077$705,005$839,051
37$857,820$733,389$699,308$876,758
38$915,080$739,088$692,497$917,336
39$977,228$744,113$684,505$961,068
40$1,044,733$748,401$675,263$1,008,265
41$1,118,109$751,887$664,698$1,059,271
42$1,197,924$754,498$652,734$1,114,464
43$1,284,803$756,158$639,291$1,174,264
44$1,379,430$756,788$624,285$1,239,133
45$1,482,563$756,301$607,629$1,309,579
46$1,595,031$754,606$589,232$1,386,166
47$1,717,751$751,608$568,997$1,469,514
48$1,851,729$747,204$546,826$1,560,308
49$1,998,073$741,286$522,613$1,659,303
50$2,158,005$733,737$496,249$1,767,333
51$2,332,869$724,437$467,620$1,885,317
52$2,524,142$713,256$436,606$2,014,271
53$2,733,456$700,056$403,083$2,155,314
54$2,962,602$684,693$366,921$2,309,682
55$3,213,557$667,012$327,982$2,478,736
56$3,488,496$646,852$286,125$2,663,980
57$3,789,814$624,039$241,202$2,867,072
58$4,120,149$598,391$193,056$3,089,842
59$4,482,407$569,715$141,527$3,334,307
60$4,879,789$537,808$86,444$3,602,692
61$5,315,819$502,452$27,632$3,897,452
62$5,794,381$463,420$0$4,221,294
63$6,319,750$420,470$0$4,584,703
64$6,896,640$373,348$0$4,990,252
65$7,530,238$321,784$0$5,435,716
66$8,226,263$265,492$0$5,925,143
67$8,991,013$204,172$0$6,462,998
68$9,831,426$137,506$0$7,054,200
69$10,755,146$65,158$0$7,704,171
70$11,770,594$0$0$8,418,888
71$12,887,049$0$0$9,207,121
72$14,114,731$0$0$10,085,757
73$15,464,902$0$0$11,052,109
74$16,949,971$0$0$12,115,064
75$18,583,607$0$0$13,284,413
76$20,380,874$0$0$14,570,943
77$22,358,367$0$0$15,986,543
78$24,534,371$0$0$17,544,310
79$26,929,035$0$0$19,258,673
80$29,564,557$0$0$21,145,534
81$32,465,398$0$0$23,222,412
82$35,658,511$0$0$25,508,613
83$39,173,593$0$0$28,025,409
84$43,043,368$0$0$30,796,238
85$47,303,893$0$0$33,846,926
86$51,994,899$0$0$37,205,933
87$57,160,168$0$0$40,904,618
88$62,847,940$0$0$44,977,534
89$69,111,375$0$0$49,462,758
90$76,009,047$0$0$54,402,246
91$83,605,504$0$0$59,842,233
92$91,971,870$0$0$65,833,663
93$101,186,522$0$0$72,432,676
94$111,335,825$0$0$79,701,134
95$122,514,947$0$0$87,707,204
96$134,828,760$0$0$96,526,005
97$148,392,826$0$0$106,240,313
98$163,334,491$0$0$116,941,343
99$179,794,081$0$0$128,729,611
100$197,926,233$0$0$141,715,879