Can I retire at age 35 with 685,000?

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 $685,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$56,567$56,063$55,571$55,091$54,623$53,259
2 years$28,003$27,482$26,976$26,486$26,011$24,646
3 years$18,483$17,960$17,455$16,970$16,502$15,178
4 years$13,724$13,202$12,703$12,226$11,770$10,497
5 years$10,870$10,351$9,858$9,391$8,947$7,729
6 years$8,967$8,452$7,967$7,510$7,080$5,918
7 years$7,609$7,098$6,620$6,174$5,758$4,652
8 years$6,591$6,084$5,615$5,179$4,776$3,726
9 years$5,799$5,298$4,836$4,412$4,022$3,027
10 years$5,166$4,670$4,216$3,803$3,427$2,486
11 years$4,649$4,157$3,712$3,310$2,948$2,058
12 years$4,218$3,731$3,294$2,903$2,554$1,716
13 years$3,853$3,372$2,943$2,563$2,227$1,438
14 years$3,541$3,065$2,644$2,275$1,953$1,210
15 years$3,271$2,800$2,387$2,029$1,719$1,022
16 years$3,035$2,569$2,165$1,817$1,519$866
17 years$2,827$2,366$1,970$1,632$1,347$736
18 years$2,642$2,186$1,798$1,471$1,198$626
19 years$2,477$2,026$1,646$1,329$1,068$534
20 years$2,328$1,883$1,511$1,204$954$456
21 years$2,194$1,754$1,390$1,093$853$390
22 years$2,072$1,637$1,281$993$765$334
23 years$1,961$1,531$1,182$905$687$286
24 years$1,859$1,434$1,094$825$617$245
25 years$1,766$1,346$1,013$754$555$210
26 years$1,680$1,265$939$689$500$181
27 years$1,600$1,191$872$631$451$155
28 years$1,527$1,122$811$578$407$133
29 years$1,458$1,058$755$530$368$115
30 years$1,394$1,000$703$486$332$98
31 years$1,335$945$655$447$300$85
32 years$1,279$894$611$410$272$73
33 years$1,227$847$571$377$246$63
34 years$1,178$803$533$347$223$54
35 years$1,131$761$499$320$202$46
36 years$1,088$722$467$294$183$40
37 years$1,047$686$437$271$166$34
38 years$1,008$652$409$250$150$30
39 years$971$620$383$231$136$25
40 years$937$590$359$213$123$22
41 years$903$562$337$196$112$19
42 years$872$535$316$181$102$16
43 years$842$510$296$167$92$14
44 years$814$486$278$154$84$12
45 years$787$463$261$143$76$10
46 years$761$442$245$132$69$9
47 years$736$422$230$122$63$8
48 years$713$403$217$112$57$7
49 years$690$384$204$104$52$6
50 years$669$367$191$96$47$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $685,000, adding $6,271 every year, while hoping to spend $44,711 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: 61/16/23 Blend
34$685,000$685,000$685,000$685,000
35$761,339$725,034$714,416$802,794
36$791,423$712,988$690,777$819,579
37$823,077$698,854$664,847$832,438
38$856,415$682,481$636,503$845,483
39$891,558$663,712$605,615$858,739
40$928,642$642,378$572,048$872,235
41$967,811$618,303$535,659$886,007
42$1,009,226$591,298$496,302$900,095
43$1,053,061$561,165$453,822$914,546
44$1,099,504$527,693$408,056$929,415
45$1,148,764$490,661$358,837$944,763
46$1,201,068$449,833$305,988$960,661
47$1,256,664$404,961$249,324$977,192
48$1,315,822$355,783$188,655$994,448
49$1,378,840$302,021$123,780$1,012,535
50$1,446,044$243,382$54,488$1,031,572
51$1,517,788$179,556$0$1,051,695
52$1,594,465$110,217$0$1,077,833
53$1,676,502$35,018$0$1,119,964
54$1,764,367$0$0$1,164,957
55$1,858,576$0$0$1,221,262
56$1,959,692$0$0$1,288,350
57$2,068,336$0$0$1,360,469
58$2,185,188$0$0$1,438,077
59$2,310,994$0$0$1,521,674
60$2,446,573$0$0$1,611,811
61$2,592,828$0$0$1,709,092
62$2,750,746$0$0$1,814,182
63$2,921,416$0$0$1,927,810
64$3,106,033$0$0$2,050,777
65$3,305,909$0$0$2,183,968
66$3,522,488$0$0$2,328,349
67$3,757,360$0$0$2,484,989
68$4,012,269$0$0$2,655,059
69$4,289,135$0$0$2,839,850
70$4,590,073$0$0$3,040,779
71$4,917,404$0$0$3,259,407
72$5,273,686$0$0$3,497,453
73$5,661,732$0$0$3,756,805
74$6,084,638$0$0$4,039,543
75$6,545,810$0$0$4,347,957
76$7,048,999$0$0$4,684,564
77$7,598,333$0$0$5,052,139
78$8,198,354$0$0$5,453,733
79$8,854,064$0$0$5,892,707
80$9,570,970$0$0$6,372,762
81$10,355,135$0$0$6,897,971
82$11,213,235$0$0$7,472,819
83$12,152,619$0$0$8,102,247
84$13,181,384$0$0$8,791,693
85$14,308,442$0$0$9,547,148
86$15,543,611$0$0$10,375,208
87$16,897,702$0$0$11,283,139
88$18,382,622$0$0$12,278,943
89$20,011,487$0$0$13,371,434
90$21,798,741$0$0$14,570,321
91$23,760,298$0$0$15,886,297
92$25,913,683$0$0$17,331,141
93$28,278,203$0$0$18,917,829
94$30,875,126$0$0$20,660,655
95$33,727,880$0$0$22,575,366
96$36,862,275$0$0$24,679,307
97$40,306,743$0$0$26,991,590
98$44,092,611$0$0$29,533,268
99$48,254,385$0$0$32,327,536
100$52,830,087$0$0$35,399,949