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%11.4%
1 years$56,484$55,981$55,490$55,011$54,543$54,222
2 years$27,962$27,442$26,937$26,448$25,973$25,649
3 years$18,456$17,933$17,430$16,945$16,478$16,162
4 years$13,704$13,183$12,685$12,208$11,752$11,445
5 years$10,854$10,336$9,844$9,377$8,934$8,637
6 years$8,954$8,440$7,955$7,499$7,069$6,784
7 years$7,598$7,088$6,611$6,165$5,749$5,475
8 years$6,581$6,075$5,606$5,172$4,769$4,506
9 years$5,790$5,290$4,829$4,405$4,017$3,764
10 years$5,158$4,663$4,210$3,797$3,422$3,181
11 years$4,642$4,151$3,706$3,305$2,943$2,712
12 years$4,211$3,726$3,289$2,899$2,551$2,330
13 years$3,848$3,367$2,939$2,559$2,224$2,014
14 years$3,536$3,060$2,640$2,272$1,950$1,750
15 years$3,266$2,796$2,384$2,026$1,717$1,526
16 years$3,030$2,565$2,161$1,814$1,517$1,336
17 years$2,823$2,362$1,967$1,630$1,345$1,174
18 years$2,638$2,183$1,795$1,469$1,196$1,033
19 years$2,473$2,023$1,644$1,327$1,066$912
20 years$2,325$1,880$1,508$1,202$952$807
21 years$2,191$1,751$1,388$1,091$852$714
22 years$2,069$1,635$1,279$992$764$634
23 years$1,958$1,529$1,181$903$686$563
24 years$1,857$1,432$1,092$824$616$501
25 years$1,763$1,344$1,011$752$555$446
26 years$1,678$1,263$938$688$500$397
27 years$1,598$1,189$871$630$450$354
28 years$1,524$1,120$810$577$406$316
29 years$1,456$1,057$754$529$367$282
30 years$1,392$998$702$486$332$252
31 years$1,333$944$654$446$300$226
32 years$1,277$893$611$410$271$202
33 years$1,225$846$570$377$245$180
34 years$1,176$801$533$347$222$162
35 years$1,130$760$498$319$201$145
36 years$1,086$721$466$294$182$129
37 years$1,045$685$436$271$165$116
38 years$1,007$651$408$250$150$104
39 years$970$619$383$230$136$93
40 years$935$589$359$212$123$83
41 years$902$561$336$196$112$75
42 years$871$534$315$181$101$67
43 years$841$509$296$167$92$60
44 years$813$485$278$154$84$54
45 years$786$463$261$142$76$48
46 years$760$441$245$131$69$43
47 years$735$421$230$121$63$39
48 years$712$402$216$112$57$35
49 years$689$384$203$104$52$31
50 years$668$367$191$96$47$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $684,000, adding $4,894 every year, while hoping to spend $26,110 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: 79/8/13 Blend
34$684,000$684,000$684,000$684,000
35$758,816$722,564$711,962$816,455
36$808,435$730,189$708,032$862,681
37$862,239$737,312$703,095$909,534
38$920,629$743,882$697,090$960,192
39$984,043$749,843$689,953$1,015,023
40$1,052,965$755,135$681,616$1,074,435
41$1,127,927$759,695$672,010$1,138,875
42$1,209,513$763,458$661,059$1,208,837
43$1,298,367$766,351$648,688$1,284,866
44$1,395,196$768,298$634,815$1,367,559
45$1,500,780$769,219$619,356$1,457,579
46$1,615,978$769,028$602,222$1,555,652
47$1,741,732$767,635$583,321$1,662,581
48$1,879,082$764,942$562,555$1,779,248
49$2,029,172$760,848$539,825$1,906,629
50$2,193,261$755,244$515,023$2,045,796
51$2,372,737$748,014$488,039$2,197,932
52$2,569,126$739,036$458,758$2,364,341
53$2,784,109$728,181$427,059$2,546,459
54$3,019,538$715,312$392,815$2,745,869
55$3,277,451$700,283$355,895$2,964,318
56$3,560,094$682,940$316,161$3,203,727
57$3,869,940$663,119$273,468$3,466,217
58$4,209,711$640,649$227,666$3,754,125
59$4,582,407$615,347$178,599$4,070,025
60$4,991,333$587,019$126,102$4,416,756
61$5,440,127$555,461$70,004$4,797,445
62$5,932,798$520,457$10,127$5,215,541
63$6,473,761$481,777$0$5,674,843
64$7,067,880$439,180$0$6,186,999
65$7,720,515$392,410$0$6,751,150
66$8,437,567$341,198$0$7,371,005
67$9,225,539$285,257$0$8,052,203
68$10,091,596$224,287$0$8,800,954
69$11,043,630$157,968$0$9,624,103
70$12,090,336$85,964$0$10,529,191
71$13,241,294$7,920$0$11,524,528
72$14,507,059$0$0$12,619,272
73$15,899,259$0$0$13,830,250
74$17,430,707$0$0$15,163,141
75$19,115,518$0$0$16,629,536
76$20,969,247$0$0$18,242,976
77$23,009,031$0$0$20,018,379
78$25,253,752$0$0$21,972,184
79$27,724,214$0$0$24,122,503
80$30,443,344$0$0$26,489,293
81$33,436,399$0$0$29,094,544
82$36,731,213$0$0$31,962,485
83$40,358,453$0$0$35,119,816
84$44,351,912$0$0$38,595,955
85$48,748,826$0$0$42,423,319
86$53,590,226$0$0$46,637,627
87$58,921,322$0$0$51,278,239
88$64,791,935$0$0$56,388,526
89$71,256,960$0$0$62,016,280
90$78,376,889$0$0$68,214,162
91$86,218,381$0$0$75,040,203
92$94,854,886$0$0$82,558,349
93$104,367,346$0$0$90,839,062
94$114,844,950$0$0$99,959,991
95$126,385,982$0$0$110,006,699
96$139,098,745$0$0$121,073,470
97$153,102,583$0$0$133,264,203
98$168,529,010$0$0$146,693,391
99$185,522,946$0$0$161,487,197
100$204,244,089$0$0$177,784,650