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%19.9%
1 years$56,402$55,899$55,409$54,931$54,463$52,302
2 years$27,922$27,402$26,898$26,409$25,935$23,785
3 years$18,429$17,907$17,404$16,920$16,454$14,382
4 years$13,684$13,164$12,666$12,190$11,735$9,757
5 years$10,838$10,320$9,829$9,363$8,921$7,042
6 years$8,941$8,427$7,944$7,488$7,059$5,280
7 years$7,587$7,077$6,601$6,156$5,741$4,062
8 years$6,571$6,067$5,598$5,164$4,762$3,182
9 years$5,782$5,282$4,822$4,399$4,011$2,526
10 years$5,151$4,656$4,204$3,792$3,417$2,025
11 years$4,635$4,145$3,701$3,300$2,939$1,636
12 years$4,205$3,720$3,284$2,895$2,547$1,330
13 years$3,842$3,362$2,934$2,555$2,221$1,086
14 years$3,531$3,056$2,637$2,268$1,947$890
15 years$3,261$2,792$2,381$2,023$1,714$732
16 years$3,026$2,561$2,158$1,811$1,515$604
17 years$2,818$2,359$1,964$1,628$1,343$499
18 years$2,634$2,180$1,793$1,467$1,194$413
19 years$2,469$2,020$1,641$1,325$1,065$342
20 years$2,321$1,877$1,506$1,200$951$284
21 years$2,188$1,749$1,385$1,089$851$235
22 years$2,066$1,632$1,277$991$763$196
23 years$1,955$1,527$1,179$902$685$163
24 years$1,854$1,430$1,090$823$615$135
25 years$1,761$1,342$1,010$751$554$113
26 years$1,675$1,261$937$687$499$94
27 years$1,596$1,187$870$629$450$78
28 years$1,522$1,119$809$576$406$65
29 years$1,454$1,055$752$528$366$54
30 years$1,390$997$701$485$331$45
31 years$1,331$942$653$445$299$38
32 years$1,275$892$610$409$271$31
33 years$1,223$844$569$376$245$26
34 years$1,174$800$532$346$222$22
35 years$1,128$759$497$319$201$18
36 years$1,085$720$465$294$182$15
37 years$1,044$684$435$271$165$13
38 years$1,005$650$408$249$150$11
39 years$968$618$382$230$136$9
40 years$934$588$358$212$123$7
41 years$901$560$336$196$112$6
42 years$870$533$315$181$101$5
43 years$840$508$296$167$92$4
44 years$812$484$277$154$83$4
45 years$785$462$260$142$76$3
46 years$759$441$245$131$69$2
47 years$734$420$230$121$62$2
48 years$711$401$216$112$57$2
49 years$688$383$203$104$52$1
50 years$667$366$191$96$47$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $683,000, adding $5,697 every year, while hoping to spend $36,860 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: 76/18/6 Blend
34$683,000$683,000$683,000$683,000
35$758,542$722,343$711,757$815,304
36$796,695$718,520$696,382$849,567
37$837,504$713,273$679,257$881,801
38$881,201$706,495$660,283$916,054
39$928,040$698,070$639,360$952,511
40$978,302$687,877$616,380$991,376
41$1,032,291$675,785$591,231$1,032,875
42$1,090,345$661,659$563,798$1,077,255
43$1,152,832$645,352$533,957$1,124,791
44$1,220,158$626,712$501,581$1,175,786
45$1,292,768$605,574$466,538$1,230,574
46$1,371,151$581,768$428,688$1,289,524
47$1,455,844$555,111$387,885$1,353,041
48$1,547,439$525,410$343,977$1,421,576
49$1,646,584$492,461$296,807$1,495,624
50$1,753,992$456,048$246,207$1,575,731
51$1,870,450$415,945$192,005$1,662,501
52$1,996,818$371,909$134,020$1,756,601
53$2,134,047$323,686$72,063$1,858,765
54$2,283,181$271,007$5,938$1,969,805
55$2,445,367$213,588$0$2,090,616
56$2,621,869$151,129$0$2,226,325
57$2,814,077$83,312$0$2,374,558
58$3,023,521$9,802$0$2,536,154
59$3,251,884$0$0$2,712,455
60$3,501,019$0$0$2,918,760
61$3,772,965$0$0$3,146,097
62$4,069,967$0$0$3,394,407
63$4,394,497$0$0$3,665,757
64$4,749,274$0$0$3,962,426
65$5,137,295$0$0$4,286,923
66$5,561,856$0$0$4,642,009
67$6,026,591$0$0$5,030,724
68$6,535,498$0$0$5,456,419
69$7,092,980$0$0$5,922,780
70$7,703,887$0$0$6,433,868
71$8,373,561$0$0$6,994,157
72$9,107,884$0$0$7,608,573
73$9,913,334$0$0$8,282,541
74$10,797,049$0$0$9,022,037
75$11,766,888$0$0$9,833,644
76$12,831,509$0$0$10,724,613
77$14,000,451$0$0$11,702,931
78$15,284,218$0$0$12,777,396
79$16,694,385$0$0$13,957,701
80$18,243,702$0$0$15,254,522
81$19,946,212$0$0$16,679,624
82$21,817,391$0$0$18,245,963
83$23,874,285$0$0$19,967,817
84$26,135,676$0$0$21,860,914
85$28,622,254$0$0$23,942,583
86$31,356,816$0$0$26,231,916
87$34,364,478$0$0$28,749,948
88$37,672,914$0$0$31,519,853
89$41,312,614$0$0$34,567,167
90$45,317,170$0$0$37,920,024
91$49,723,597$0$0$41,609,424
92$54,572,678$0$0$45,669,521
93$59,909,349$0$0$50,137,950
94$65,783,124$0$0$55,056,178
95$72,248,560$0$0$60,469,896
96$79,365,769$0$0$66,429,451
97$87,200,992$0$0$72,990,316
98$95,827,214$0$0$80,213,618
99$105,324,860$0$0$88,166,714
100$115,782,550$0$0$96,923,822