Can I retire at age 35 with 683,000?

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 $683,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$56,402$55,899$55,409$54,931$54,463$53,738
2 years$27,922$27,402$26,898$26,409$25,935$25,206
3 years$18,429$17,907$17,404$16,920$16,454$15,743
4 years$13,684$13,164$12,666$12,190$11,735$11,048
5 years$10,838$10,320$9,829$9,363$8,921$8,260
6 years$8,941$8,427$7,944$7,488$7,059$6,424
7 years$7,587$7,077$6,601$6,156$5,741$5,133
8 years$6,571$6,067$5,598$5,164$4,762$4,182
9 years$5,782$5,282$4,822$4,399$4,011$3,456
10 years$5,151$4,656$4,204$3,792$3,417$2,889
11 years$4,635$4,145$3,701$3,300$2,939$2,437
12 years$4,205$3,720$3,284$2,895$2,547$2,070
13 years$3,842$3,362$2,934$2,555$2,221$1,768
14 years$3,531$3,056$2,637$2,268$1,947$1,518
15 years$3,261$2,792$2,381$2,023$1,714$1,308
16 years$3,026$2,561$2,158$1,811$1,515$1,131
17 years$2,818$2,359$1,964$1,628$1,343$981
18 years$2,634$2,180$1,793$1,467$1,194$853
19 years$2,469$2,020$1,641$1,325$1,065$743
20 years$2,321$1,877$1,506$1,200$951$649
21 years$2,188$1,749$1,385$1,089$851$567
22 years$2,066$1,632$1,277$991$763$496
23 years$1,955$1,527$1,179$902$685$435
24 years$1,854$1,430$1,090$823$615$381
25 years$1,761$1,342$1,010$751$554$335
26 years$1,675$1,261$937$687$499$294
27 years$1,596$1,187$870$629$450$259
28 years$1,522$1,119$809$576$406$227
29 years$1,454$1,055$752$528$366$200
30 years$1,390$997$701$485$331$176
31 years$1,331$942$653$445$299$155
32 years$1,275$892$610$409$271$137
33 years$1,223$844$569$376$245$121
34 years$1,174$800$532$346$222$106
35 years$1,128$759$497$319$201$94
36 years$1,085$720$465$294$182$83
37 years$1,044$684$435$271$165$73
38 years$1,005$650$408$249$150$64
39 years$968$618$382$230$136$57
40 years$934$588$358$212$123$50
41 years$901$560$336$196$112$44
42 years$870$533$315$181$101$39
43 years$840$508$296$167$92$34
44 years$812$484$277$154$83$30
45 years$785$462$260$142$76$27
46 years$759$441$245$131$69$24
47 years$734$420$230$121$62$21
48 years$711$401$216$112$57$19
49 years$688$383$203$104$52$16
50 years$667$366$191$96$47$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $683,000, adding $5,700 every year, while hoping to spend $23,728 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: 43/37/20 Blend
34$683,000$683,000$683,000$683,000
35$758,546$722,347$711,760$786,526
36$810,671$732,495$710,358$817,013
37$867,318$742,346$708,113$847,269
38$928,922$751,859$704,973$879,561
39$995,964$760,992$700,881$914,087
40$1,068,971$769,699$695,780$951,067
41$1,148,525$777,933$689,607$990,746
42$1,235,265$785,642$682,299$1,033,394
43$1,329,894$792,771$673,788$1,079,308
44$1,433,187$799,261$664,004$1,128,819
45$1,545,997$805,049$652,873$1,182,291
46$1,669,262$810,070$640,318$1,240,128
47$1,804,016$814,253$626,258$1,302,774
48$1,951,397$817,522$610,608$1,370,722
49$2,112,656$819,797$593,280$1,444,517
50$2,289,173$820,994$574,182$1,524,760
51$2,482,468$821,021$553,216$1,612,116
52$2,694,212$819,784$530,281$1,707,319
53$2,926,248$817,180$505,272$1,811,182
54$3,180,604$813,100$478,077$1,924,599
55$3,459,515$807,431$448,582$2,048,562
56$3,765,441$800,051$416,665$2,184,165
57$4,101,093$790,830$382,200$2,332,616
58$4,469,456$779,633$345,055$2,495,249
59$4,873,818$766,313$305,093$2,673,538
60$5,317,803$750,717$262,168$2,869,111
61$5,805,400$732,683$216,132$3,083,763
62$6,341,005$712,039$166,827$3,319,480
63$6,929,461$688,602$114,089$3,578,450
64$7,576,101$662,180$57,746$3,863,092
65$8,286,804$632,567$0$4,176,075
66$9,068,044$599,548$0$4,520,852
67$9,926,954$562,896$0$4,913,350
68$10,871,393$522,367$0$5,344,864
69$11,910,019$477,707$0$5,819,398
70$13,052,371$428,645$0$6,341,365
71$14,308,961$374,897$0$6,915,636
72$15,691,368$316,160$0$7,547,582
73$17,212,353$252,116$0$8,243,123
74$18,885,972$182,429$0$9,008,790
75$20,727,716$106,743$0$9,851,786
76$22,754,652$24,683$0$10,780,052
77$24,985,586$0$0$11,802,345
78$27,441,238$0$0$12,954,439
79$30,144,442$0$0$14,233,840
80$33,120,355$0$0$15,642,418
81$36,396,698$0$0$17,193,308
82$40,004,018$0$0$18,900,983
83$43,975,971$0$0$20,781,391
84$48,349,648$0$0$22,852,104
85$53,165,916$0$0$25,132,486
86$58,469,808$0$0$27,643,876
87$64,310,948$0$0$30,409,786
88$70,744,016$0$0$33,456,125
89$77,829,268$0$0$36,811,443
90$85,633,100$0$0$40,507,202
91$94,228,679$0$0$44,578,070
92$103,696,628$0$0$49,062,248
93$114,125,792$0$0$54,001,836
94$125,614,071$0$0$59,443,221
95$138,269,350$0$0$65,437,523
96$152,210,511$0$0$72,041,073
97$167,568,557$0$0$79,315,947
98$184,487,850$0$0$87,330,548
99$203,127,471$0$0$96,160,257
100$223,662,722$0$0$105,888,138