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%12.8%
1 years$56,484$55,981$55,490$55,011$54,543$53,906
2 years$27,962$27,442$26,937$26,448$25,973$25,332
3 years$18,456$17,933$17,430$16,945$16,478$15,853
4 years$13,704$13,183$12,685$12,208$11,752$11,148
5 years$10,854$10,336$9,844$9,377$8,934$8,352
6 years$8,954$8,440$7,955$7,499$7,069$6,510
7 years$7,598$7,088$6,611$6,165$5,749$5,213
8 years$6,581$6,075$5,606$5,172$4,769$4,257
9 years$5,790$5,290$4,829$4,405$4,017$3,527
10 years$5,158$4,663$4,210$3,797$3,422$2,955
11 years$4,642$4,151$3,706$3,305$2,943$2,498
12 years$4,211$3,726$3,289$2,899$2,551$2,127
13 years$3,848$3,367$2,939$2,559$2,224$1,822
14 years$3,536$3,060$2,640$2,272$1,950$1,568
15 years$3,266$2,796$2,384$2,026$1,717$1,356
16 years$3,030$2,565$2,161$1,814$1,517$1,176
17 years$2,823$2,362$1,967$1,630$1,345$1,022
18 years$2,638$2,183$1,795$1,469$1,196$891
19 years$2,473$2,023$1,644$1,327$1,066$779
20 years$2,325$1,880$1,508$1,202$952$682
21 years$2,191$1,751$1,388$1,091$852$598
22 years$2,069$1,635$1,279$992$764$525
23 years$1,958$1,529$1,181$903$686$461
24 years$1,857$1,432$1,092$824$616$406
25 years$1,763$1,344$1,011$752$555$357
26 years$1,678$1,263$938$688$500$315
27 years$1,598$1,189$871$630$450$278
28 years$1,524$1,120$810$577$406$245
29 years$1,456$1,057$754$529$367$216
30 years$1,392$998$702$486$332$191
31 years$1,333$944$654$446$300$169
32 years$1,277$893$611$410$271$149
33 years$1,225$846$570$377$245$132
34 years$1,176$801$533$347$222$117
35 years$1,130$760$498$319$201$103
36 years$1,086$721$466$294$182$92
37 years$1,045$685$436$271$165$81
38 years$1,007$651$408$250$150$72
39 years$970$619$383$230$136$63
40 years$935$589$359$212$123$56
41 years$902$561$336$196$112$50
42 years$871$534$315$181$101$44
43 years$841$509$296$167$92$39
44 years$813$485$278$154$84$35
45 years$786$463$261$142$76$31
46 years$760$441$245$131$69$27
47 years$735$421$230$121$63$24
48 years$712$402$216$112$57$21
49 years$689$384$203$104$52$19
50 years$668$367$191$96$47$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $684,000, adding $2,599 every year, while hoping to spend $29,282 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: 63/13/24 Blend
34$684,000$684,000$684,000$684,000
35$756,449$720,197$709,595$799,182
36$802,451$724,331$702,210$832,514
37$852,164$727,686$693,597$865,426
38$905,935$730,193$683,683$900,719
39$964,146$731,778$672,393$938,631
40$1,027,218$732,365$659,647$979,423
41$1,095,613$731,869$645,363$1,023,383
42$1,169,837$730,202$629,455$1,070,831
43$1,250,451$727,272$611,832$1,122,120
44$1,338,067$722,979$592,399$1,177,639
45$1,433,363$717,218$571,057$1,237,819
46$1,537,081$709,877$547,703$1,303,134
47$1,650,041$700,838$522,228$1,374,111
48$1,773,142$689,976$494,519$1,451,330
49$1,907,375$677,157$464,459$1,535,430
50$2,053,831$662,242$431,922$1,627,120
51$2,213,711$645,081$396,780$1,727,181
52$2,388,336$625,516$358,899$1,836,475
53$2,579,160$603,381$318,136$1,955,954
54$2,787,786$578,498$274,345$2,086,670
55$3,015,977$550,681$227,372$2,229,784
56$3,265,674$519,732$177,057$2,386,577
57$3,539,015$485,441$123,230$2,558,463
58$3,838,354$447,588$65,719$2,747,004
59$4,166,285$405,938$4,339$2,953,921
60$4,525,662$360,244$0$3,181,116
61$4,919,629$310,246$0$3,446,352
62$5,351,649$255,667$0$3,738,483
63$5,825,538$196,215$0$4,059,005
64$6,345,496$131,583$0$4,410,793
65$6,916,151$61,445$0$4,797,015
66$7,542,601$0$0$5,221,163
67$8,230,460$0$0$5,689,165
68$8,985,913$0$0$6,212,862
69$9,815,775$0$0$6,788,192
70$10,727,553$0$0$7,420,368
71$11,729,514$0$0$8,115,128
72$12,830,769$0$0$8,878,797
73$14,041,355$0$0$9,718,342
74$15,372,329$0$0$10,641,439
75$16,835,874$0$0$11,656,544
76$18,445,410$0$0$12,772,975
77$20,215,725$0$0$14,000,997
78$22,163,113$0$0$15,351,920
79$24,305,523$0$0$16,838,206
80$26,662,736$0$0$18,473,586
81$29,256,542$0$0$20,273,187
82$32,110,955$0$0$22,253,680
83$35,252,430$0$0$24,433,431
84$38,710,119$0$0$26,832,677
85$42,516,144$0$0$29,473,719
86$46,705,898$0$0$32,381,126
87$51,318,380$0$0$35,581,973
88$56,396,562$0$0$39,106,092
89$61,987,795$0$0$42,986,356
90$68,144,255$0$0$47,258,988
91$74,923,437$0$0$51,963,901
92$82,388,691$0$0$57,145,076
93$90,609,828$0$0$62,850,979
94$99,663,772$0$0$69,135,012
95$109,635,288$0$0$76,056,024
96$120,617,782$0$0$83,678,860
97$132,714,181$0$0$92,074,976
98$146,037,903$0$0$101,323,114
99$160,713,932$0$0$111,510,042
100$176,879,992$0$0$122,731,373