Can I retire at age 35 with 684,000?

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 $684,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$56,484$55,981$55,490$55,011$54,543$53,529
2 years$27,962$27,442$26,937$26,448$25,973$24,955
3 years$18,456$17,933$17,430$16,945$16,478$15,489
4 years$13,704$13,183$12,685$12,208$11,752$10,798
5 years$10,854$10,336$9,844$9,377$8,934$8,018
6 years$8,954$8,440$7,955$7,499$7,069$6,193
7 years$7,598$7,088$6,611$6,165$5,749$4,912
8 years$6,581$6,075$5,606$5,172$4,769$3,972
9 years$5,790$5,290$4,829$4,405$4,017$3,258
10 years$5,158$4,663$4,210$3,797$3,422$2,702
11 years$4,642$4,151$3,706$3,305$2,943$2,260
12 years$4,211$3,726$3,289$2,899$2,551$1,903
13 years$3,848$3,367$2,939$2,559$2,224$1,612
14 years$3,536$3,060$2,640$2,272$1,950$1,372
15 years$3,266$2,796$2,384$2,026$1,717$1,172
16 years$3,030$2,565$2,161$1,814$1,517$1,004
17 years$2,823$2,362$1,967$1,630$1,345$863
18 years$2,638$2,183$1,795$1,469$1,196$743
19 years$2,473$2,023$1,644$1,327$1,066$641
20 years$2,325$1,880$1,508$1,202$952$554
21 years$2,191$1,751$1,388$1,091$852$480
22 years$2,069$1,635$1,279$992$764$416
23 years$1,958$1,529$1,181$903$686$361
24 years$1,857$1,432$1,092$824$616$313
25 years$1,763$1,344$1,011$752$555$272
26 years$1,678$1,263$938$688$500$237
27 years$1,598$1,189$871$630$450$206
28 years$1,524$1,120$810$577$406$179
29 years$1,456$1,057$754$529$367$156
30 years$1,392$998$702$486$332$136
31 years$1,333$944$654$446$300$118
32 years$1,277$893$611$410$271$103
33 years$1,225$846$570$377$245$90
34 years$1,176$801$533$347$222$79
35 years$1,130$760$498$319$201$68
36 years$1,086$721$466$294$182$60
37 years$1,045$685$436$271$165$52
38 years$1,007$651$408$250$150$45
39 years$970$619$383$230$136$40
40 years$935$589$359$212$123$35
41 years$902$561$336$196$112$30
42 years$871$534$315$181$101$26
43 years$841$509$296$167$92$23
44 years$813$485$278$154$84$20
45 years$786$463$261$142$76$18
46 years$760$441$245$131$69$15
47 years$735$421$230$121$63$13
48 years$712$402$216$112$57$12
49 years$689$384$203$104$52$10
50 years$668$367$191$96$47$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $684,000, adding $2,874 every year, while hoping to spend $51,908 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: 57/35/8 Blend
34$684,000$684,000$684,000$684,000
35$756,733$720,481$709,879$798,320
36$778,690$700,554$678,430$806,733
37$801,146$677,912$644,188$809,831
38$824,099$652,366$607,004$811,935
39$847,542$623,717$566,724$812,956
40$871,467$591,754$523,184$812,798
41$895,863$556,256$476,217$811,359
42$920,716$516,987$425,645$808,530
43$946,008$473,699$371,283$804,192
44$971,718$426,127$312,938$798,220
45$997,821$373,995$250,409$790,480
46$1,024,286$317,009$183,486$780,828
47$1,051,079$254,858$111,948$769,109
48$1,078,157$187,214$35,567$755,158
49$1,105,474$113,732$0$738,799
50$1,132,973$34,046$0$723,764
51$1,160,591$0$0$709,423
52$1,188,256$0$0$712,658
53$1,215,885$0$0$728,950
54$1,243,385$0$0$745,128
55$1,270,650$0$0$761,123
56$1,297,559$0$0$776,860
57$1,323,978$0$0$792,252
58$1,349,755$0$0$807,203
59$1,374,720$0$0$821,604
60$1,398,680$0$0$835,334
61$1,421,422$0$0$848,257
62$1,442,706$0$0$860,222
63$1,462,265$0$0$871,059
64$1,479,799$0$0$880,578
65$1,494,976$0$0$888,569
66$1,507,424$0$0$894,798
67$1,516,731$0$0$899,004
68$1,522,437$0$0$900,896
69$1,524,031$0$0$900,152
70$1,520,947$0$0$896,415
71$1,512,554$0$0$889,286
72$1,498,154$0$0$878,325
73$1,476,972$0$0$863,043
74$1,448,148$0$0$842,900
75$1,410,731$0$0$817,294
76$1,363,665$0$0$785,562
77$1,305,784$0$0$746,968
78$1,235,794$0$0$700,697
79$1,152,265$0$0$645,849
80$1,053,615$0$0$581,428
81$938,092$0$0$506,331
82$803,762$0$0$419,341
83$648,484$0$0$319,111
84$469,894$0$0$204,152
85$265,380$0$0$72,822
86$32,052$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0