Can I retire at age 35 with 682,000?

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 $682,000?

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 years$56,319$55,817$55,328$54,850$54,384$53,483
2 years$27,881$27,361$26,858$26,370$25,897$24,992
3 years$18,402$17,881$17,379$16,896$16,430$15,549
4 years$13,664$13,144$12,647$12,172$11,718$10,868
5 years$10,822$10,305$9,815$9,350$8,908$8,091
6 years$8,928$8,415$7,932$7,477$7,049$6,266
7 years$7,576$7,067$6,591$6,147$5,732$4,984
8 years$6,562$6,058$5,590$5,157$4,756$4,042
9 years$5,774$5,274$4,815$4,392$4,005$3,325
10 years$5,143$4,649$4,198$3,786$3,412$2,766
11 years$4,628$4,139$3,696$3,295$2,935$2,321
12 years$4,199$3,715$3,280$2,890$2,543$1,961
13 years$3,836$3,357$2,930$2,552$2,218$1,667
14 years$3,526$3,051$2,633$2,265$1,944$1,423
15 years$3,257$2,788$2,377$2,020$1,712$1,220
16 years$3,022$2,558$2,155$1,809$1,513$1,049
17 years$2,814$2,355$1,961$1,625$1,341$905
18 years$2,630$2,177$1,790$1,465$1,193$782
19 years$2,466$2,017$1,639$1,323$1,063$677
20 years$2,318$1,874$1,504$1,199$950$588
21 years$2,184$1,746$1,383$1,088$850$510
22 years$2,063$1,630$1,275$989$762$444
23 years$1,952$1,524$1,177$901$684$387
24 years$1,851$1,428$1,089$822$615$337
25 years$1,758$1,340$1,008$750$553$294
26 years$1,673$1,260$935$686$498$257
27 years$1,593$1,185$868$628$449$224
28 years$1,520$1,117$807$575$405$196
29 years$1,452$1,054$751$528$366$171
30 years$1,388$995$700$484$331$150
31 years$1,329$941$652$445$299$131
32 years$1,273$890$609$409$270$115
33 years$1,221$843$568$376$245$101
34 years$1,172$799$531$346$222$88
35 years$1,127$758$497$318$201$77
36 years$1,083$719$464$293$182$68
37 years$1,042$683$435$270$165$59
38 years$1,004$649$407$249$149$52
39 years$967$617$381$230$135$45
40 years$932$587$358$212$123$40
41 years$900$559$335$195$111$35
42 years$868$533$314$180$101$31
43 years$839$507$295$166$92$27
44 years$810$484$277$154$83$24
45 years$783$461$260$142$76$21
46 years$758$440$244$131$69$18
47 years$733$420$229$121$62$16
48 years$710$401$216$112$57$14
49 years$687$383$203$103$51$12
50 years$666$366$191$96$47$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $682,000, adding $2,494 every year, while hoping to spend $29,062 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: 71/9/20 Blend
34$682,000$682,000$682,000$682,000
35$754,137$717,991$707,420$803,846
36$800,137$722,250$700,196$841,544
37$849,855$725,745$691,757$879,112
38$903,640$728,406$682,031$919,518
39$961,874$730,161$670,942$963,042
40$1,024,979$730,933$658,412$1,009,990
41$1,093,419$730,640$644,361$1,060,698
42$1,167,701$729,195$628,701$1,115,540
43$1,248,388$726,507$611,343$1,174,927
44$1,336,094$722,476$592,194$1,239,312
45$1,431,498$717,000$571,154$1,309,196
46$1,535,345$709,967$548,123$1,385,132
47$1,648,456$701,262$522,991$1,467,727
48$1,771,735$690,760$495,648$1,557,654
49$1,906,176$678,331$465,975$1,655,654
50$2,052,871$663,834$433,850$1,762,544
51$2,213,025$647,124$399,146$1,879,227
52$2,387,965$628,044$361,728$2,006,697
53$2,579,148$606,429$321,457$2,146,051
54$2,788,182$582,104$278,187$2,298,501
55$3,016,835$554,886$231,764$2,465,380
56$3,267,054$524,578$182,031$2,648,163
57$3,540,985$490,974$128,820$2,848,472
58$3,840,989$453,855$71,959$3,068,099
59$4,169,666$412,990$11,266$3,309,020
60$4,529,880$368,134$0$3,573,414
61$4,924,786$319,031$0$3,875,101
62$5,357,857$265,406$0$4,208,621
63$5,832,920$206,973$0$4,574,534
64$6,354,189$143,425$0$4,976,109
65$6,926,306$74,443$0$5,416,946
66$7,554,385$0$0$5,901,015
67$8,244,058$0$0$6,432,719
68$9,001,530$0$0$7,024,826
69$9,833,636$0$0$7,675,311
70$10,747,907$0$0$8,390,065
71$11,752,637$0$0$9,175,578
72$12,856,966$0$0$10,038,999
73$14,070,962$0$0$10,988,206
74$15,405,717$0$0$12,031,878
75$16,873,451$0$0$13,179,574
76$18,487,629$0$0$14,441,829
77$20,263,086$0$0$15,830,249
78$22,216,165$0$0$17,357,621
79$24,364,876$0$0$19,038,035
80$26,729,058$0$0$20,887,015
81$29,330,575$0$0$22,921,664
82$32,193,513$0$0$25,160,829
83$35,344,415$0$0$27,625,275
84$38,812,524$0$0$30,337,882
85$42,630,065$0$0$33,323,863
86$46,832,542$0$0$36,610,997
87$51,459,080$0$0$40,229,893
88$56,552,787$0$0$44,214,281
89$62,161,166$0$0$48,601,326
90$68,336,560$0$0$53,431,981
91$75,136,645$0$0$58,751,372
92$82,624,977$0$0$64,609,226
93$90,871,586$0$0$71,060,334
94$99,953,644$0$0$78,165,076
95$109,956,186$0$0$85,989,985
96$120,972,916$0$0$94,608,374
97$133,107,090$0$0$104,101,032
98$146,472,491$0$0$114,556,983
99$161,194,500$0$0$126,074,328
100$177,411,281$0$0$138,761,166