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%18.9%
1 years$56,567$56,063$55,571$55,091$54,623$52,664
2 years$28,003$27,482$26,976$26,486$26,011$24,058
3 years$18,483$17,960$17,455$16,970$16,502$14,618
4 years$13,724$13,202$12,703$12,226$11,770$9,967
5 years$10,870$10,351$9,858$9,391$8,947$7,232
6 years$8,967$8,452$7,967$7,510$7,080$5,453
7 years$7,609$7,098$6,620$6,174$5,758$4,218
8 years$6,591$6,084$5,615$5,179$4,776$3,324
9 years$5,799$5,298$4,836$4,412$4,022$2,655
10 years$5,166$4,670$4,216$3,803$3,427$2,142
11 years$4,649$4,157$3,712$3,310$2,948$1,742
12 years$4,218$3,731$3,294$2,903$2,554$1,425
13 years$3,853$3,372$2,943$2,563$2,227$1,172
14 years$3,541$3,065$2,644$2,275$1,953$968
15 years$3,271$2,800$2,387$2,029$1,719$801
16 years$3,035$2,569$2,165$1,817$1,519$666
17 years$2,827$2,366$1,970$1,632$1,347$554
18 years$2,642$2,186$1,798$1,471$1,198$462
19 years$2,477$2,026$1,646$1,329$1,068$385
20 years$2,328$1,883$1,511$1,204$954$322
21 years$2,194$1,754$1,390$1,093$853$270
22 years$2,072$1,637$1,281$993$765$226
23 years$1,961$1,531$1,182$905$687$189
24 years$1,859$1,434$1,094$825$617$159
25 years$1,766$1,346$1,013$754$555$133
26 years$1,680$1,265$939$689$500$112
27 years$1,600$1,191$872$631$451$94
28 years$1,527$1,122$811$578$407$79
29 years$1,458$1,058$755$530$368$66
30 years$1,394$1,000$703$486$332$56
31 years$1,335$945$655$447$300$47
32 years$1,279$894$611$410$272$39
33 years$1,227$847$571$377$246$33
34 years$1,178$803$533$347$223$28
35 years$1,131$761$499$320$202$23
36 years$1,088$722$467$294$183$20
37 years$1,047$686$437$271$166$16
38 years$1,008$652$409$250$150$14
39 years$971$620$383$231$136$12
40 years$937$590$359$213$123$10
41 years$903$562$337$196$112$8
42 years$872$535$316$181$102$7
43 years$842$510$296$167$92$6
44 years$814$486$278$154$84$5
45 years$787$463$261$143$76$4
46 years$761$442$245$132$69$3
47 years$736$422$230$122$63$3
48 years$713$403$217$112$57$2
49 years$690$384$204$104$52$2
50 years$669$367$191$96$47$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $685,000, adding $2,262 every year, while hoping to spend $37,473 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: 34/40/26 Blend
34$685,000$685,000$685,000$685,000
35$757,203$720,898$710,281$776,910
36$794,567$716,351$694,204$787,340
37$834,486$710,326$676,333$795,046
38$877,181$702,709$656,568$802,617
39$922,895$693,383$634,804$810,068
40$971,893$682,222$610,933$817,416
41$1,024,467$669,092$584,840$824,683
42$1,080,937$653,852$556,407$831,899
43$1,141,654$636,352$525,508$839,098
44$1,207,004$616,434$492,014$846,324
45$1,277,410$593,931$455,788$853,629
46$1,353,338$568,665$416,688$861,073
47$1,435,297$540,449$374,566$868,731
48$1,523,849$509,083$329,266$876,688
49$1,619,611$474,357$280,626$885,042
50$1,723,262$436,051$228,477$893,910
51$1,835,546$393,929$172,643$903,425
52$1,957,284$347,743$112,938$913,741
53$2,089,375$297,231$49,170$925,033
54$2,232,812$242,117$0$937,503
55$2,388,685$182,106$0$956,618
56$2,558,193$116,891$0$992,300
57$2,742,655$46,145$0$1,031,248
58$2,943,523$0$0$1,073,864
59$3,162,395$0$0$1,134,006
60$3,401,030$0$0$1,221,814
61$3,661,361$0$0$1,317,702
62$3,945,518$0$0$1,422,465
63$4,255,847$0$0$1,536,980
64$4,594,928$0$0$1,662,212
65$4,965,601$0$0$1,799,225
66$5,370,997$0$0$1,949,188
67$5,814,558$0$0$2,113,390
68$6,300,078$0$0$2,293,250
69$6,831,732$0$0$2,490,332
70$7,414,120$0$0$2,706,355
71$8,052,306$0$0$2,943,217
72$8,751,869$0$0$3,203,003
73$9,518,951$0$0$3,488,015
74$10,360,319$0$0$3,800,785
75$11,283,425$0$0$4,144,102
76$12,296,479$0$0$4,521,040
77$13,408,521$0$0$4,934,985
78$14,629,512$0$0$5,389,665
79$15,970,424$0$0$5,889,189
80$17,443,343$0$0$6,438,082
81$19,061,584$0$0$7,041,330
82$20,839,814$0$0$7,704,427
83$22,794,194$0$0$8,433,423
84$24,942,525$0$0$9,234,985
85$27,304,420$0$0$10,116,460
86$29,901,488$0$0$11,085,940
87$32,757,535$0$0$12,152,341
88$35,898,791$0$0$13,325,487
89$39,354,155$0$0$14,616,203
90$43,155,467$0$0$16,036,415
91$47,337,809$0$0$17,599,263
92$51,939,836$0$0$19,319,226
93$57,004,137$0$0$21,212,259
94$62,577,639$0$0$23,295,938
95$68,712,049$0$0$25,589,633
96$75,464,341$0$0$28,114,687
97$82,897,293$0$0$30,894,616
98$91,080,076$0$0$33,955,333
99$100,088,913$0$0$37,325,391
100$110,007,788$0$0$41,036,254