Can I retire at age 35 with 685,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.7%
1 years$56,567$56,063$55,571$55,091$54,623$53,346
2 years$28,003$27,482$26,976$26,486$26,011$24,731
3 years$18,483$17,960$17,455$16,970$16,502$15,261
4 years$13,724$13,202$12,703$12,226$11,770$10,575
5 years$10,870$10,351$9,858$9,391$8,947$7,803
6 years$8,967$8,452$7,967$7,510$7,080$5,987
7 years$7,609$7,098$6,620$6,174$5,758$4,717
8 years$6,591$6,084$5,615$5,179$4,776$3,788
9 years$5,799$5,298$4,836$4,412$4,022$3,084
10 years$5,166$4,670$4,216$3,803$3,427$2,539
11 years$4,649$4,157$3,712$3,310$2,948$2,108
12 years$4,218$3,731$3,294$2,903$2,554$1,762
13 years$3,853$3,372$2,943$2,563$2,227$1,480
14 years$3,541$3,065$2,644$2,275$1,953$1,249
15 years$3,271$2,800$2,387$2,029$1,719$1,058
16 years$3,035$2,569$2,165$1,817$1,519$899
17 years$2,827$2,366$1,970$1,632$1,347$766
18 years$2,642$2,186$1,798$1,471$1,198$654
19 years$2,477$2,026$1,646$1,329$1,068$559
20 years$2,328$1,883$1,511$1,204$954$479
21 years$2,194$1,754$1,390$1,093$853$411
22 years$2,072$1,637$1,281$993$765$353
23 years$1,961$1,531$1,182$905$687$303
24 years$1,859$1,434$1,094$825$617$261
25 years$1,766$1,346$1,013$754$555$224
26 years$1,680$1,265$939$689$500$193
27 years$1,600$1,191$872$631$451$167
28 years$1,527$1,122$811$578$407$144
29 years$1,458$1,058$755$530$368$124
30 years$1,394$1,000$703$486$332$107
31 years$1,335$945$655$447$300$92
32 years$1,279$894$611$410$272$80
33 years$1,227$847$571$377$246$69
34 years$1,178$803$533$347$223$59
35 years$1,131$761$499$320$202$51
36 years$1,088$722$467$294$183$44
37 years$1,047$686$437$271$166$38
38 years$1,008$652$409$250$150$33
39 years$971$620$383$231$136$28
40 years$937$590$359$213$123$25
41 years$903$562$337$196$112$21
42 years$872$535$316$181$102$18
43 years$842$510$296$167$92$16
44 years$814$486$278$154$84$14
45 years$787$463$261$143$76$12
46 years$761$442$245$132$69$10
47 years$736$422$230$122$63$9
48 years$713$403$217$112$57$8
49 years$690$384$204$104$52$7
50 years$669$367$191$96$47$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $685,000, adding $4,816 every year, while hoping to spend $39,549 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: 39/32/29 Blend
34$685,000$685,000$685,000$685,000
35$759,838$723,533$712,915$782,786
36$795,261$716,906$694,718$793,398
37$832,973$708,629$674,586$800,880
38$873,163$698,579$652,412$808,223
39$916,043$686,627$628,085$815,440
40$961,842$672,634$601,488$822,550
41$1,010,811$656,454$572,499$829,574
42$1,063,228$637,935$540,992$836,543
43$1,119,394$616,911$506,832$843,491
44$1,179,643$593,209$469,881$850,461
45$1,244,338$566,648$429,994$857,505
46$1,313,879$537,033$387,018$864,685
47$1,388,707$504,160$340,795$872,074
48$1,469,302$467,811$291,159$879,755
49$1,556,195$427,758$237,937$887,829
50$1,649,968$383,758$180,948$896,410
51$1,751,259$335,557$120,004$905,630
52$1,860,770$282,882$54,908$915,641
53$1,979,275$225,450$0$926,619
54$2,107,622$162,958$0$943,267
55$2,246,744$95,087$0$979,733
56$2,397,666$21,500$0$1,019,335
57$2,561,518$0$0$1,062,438
58$2,739,540$0$0$1,129,927
59$2,933,099$0$0$1,211,619
60$3,143,695$0$0$1,300,587
61$3,372,981$0$0$1,397,539
62$3,622,777$0$0$1,503,255
63$3,895,083$0$0$1,618,594
64$4,192,102$0$0$1,744,500
65$4,516,258$0$0$1,882,015
66$4,870,219$0$0$2,032,282
67$5,256,924$0$0$2,196,564
68$5,679,606$0$0$2,376,247
69$6,141,825$0$0$2,572,861
70$6,647,502$0$0$2,788,087
71$7,200,954$0$0$3,023,780
72$7,806,932$0$0$3,281,979
73$8,470,672$0$0$3,564,933
74$9,197,938$0$0$3,875,116
75$9,995,077$0$0$4,215,255
76$10,869,082$0$0$4,588,351
77$11,827,652$0$0$4,997,712
78$12,879,268$0$0$5,446,980
79$14,033,274$0$0$5,940,167
80$15,299,957$0$0$6,481,695
81$16,690,655$0$0$7,076,430
82$18,217,851$0$0$7,729,737
83$19,895,301$0$0$8,447,524
84$21,738,157$0$0$9,236,299
85$23,763,110$0$0$10,103,234
86$25,988,550$0$0$11,056,229
87$28,434,736$0$0$12,103,987
88$31,123,986$0$0$13,256,097
89$34,080,890$0$0$14,523,124
90$37,332,539$0$0$15,916,706
91$40,908,782$0$0$17,449,670
92$44,842,503$0$0$19,136,143
93$49,169,937$0$0$20,991,695
94$53,931,004$0$0$23,033,479
95$59,169,690$0$0$25,280,394
96$64,934,461$0$0$27,753,266
97$71,278,716$0$0$30,475,041
98$78,261,295$0$0$33,471,001
99$85,947,030$0$0$36,769,006
100$94,407,356$0$0$40,399,752