Can I retire at age 35 with 686,000?

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 $686,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$56,649$56,145$55,652$55,172$54,703$53,165
2 years$28,044$27,522$27,016$26,525$26,049$24,511
3 years$18,510$17,986$17,481$16,995$16,526$15,037
4 years$13,744$13,222$12,722$12,244$11,787$10,357
5 years$10,886$10,366$9,873$9,404$8,960$7,594
6 years$8,980$8,464$7,978$7,521$7,090$5,789
7 years$7,620$7,108$6,630$6,183$5,766$4,530
8 years$6,600$6,093$5,623$5,187$4,783$3,612
9 years$5,807$5,305$4,843$4,418$4,028$2,920
10 years$5,174$4,676$4,222$3,808$3,432$2,386
11 years$4,655$4,163$3,717$3,315$2,952$1,965
12 years$4,224$3,737$3,299$2,907$2,558$1,630
13 years$3,859$3,377$2,947$2,567$2,231$1,359
14 years$3,546$3,069$2,648$2,278$1,955$1,137
15 years$3,276$2,804$2,391$2,032$1,722$955
16 years$3,039$2,573$2,168$1,819$1,522$805
17 years$2,831$2,369$1,973$1,635$1,349$680
18 years$2,646$2,189$1,801$1,473$1,200$575
19 years$2,480$2,029$1,648$1,331$1,069$488
20 years$2,331$1,885$1,513$1,206$955$414
21 years$2,197$1,756$1,392$1,094$855$352
22 years$2,075$1,639$1,283$995$766$299
23 years$1,964$1,533$1,184$906$688$255
24 years$1,862$1,437$1,095$826$618$217
25 years$1,769$1,348$1,014$755$556$185
26 years$1,682$1,267$941$690$501$158
27 years$1,603$1,192$874$632$452$135
28 years$1,529$1,124$812$579$408$115
29 years$1,460$1,060$756$531$368$98
30 years$1,396$1,001$704$487$333$84
31 years$1,337$946$656$447$301$72
32 years$1,281$895$612$411$272$61
33 years$1,229$848$572$378$246$52
34 years$1,179$804$534$348$223$45
35 years$1,133$762$499$320$202$38
36 years$1,090$724$467$295$183$33
37 years$1,048$687$437$272$166$28
38 years$1,010$653$409$250$150$24
39 years$973$621$384$231$136$20
40 years$938$591$360$213$124$17
41 years$905$562$337$196$112$15
42 years$873$536$316$181$102$13
43 years$844$510$297$167$92$11
44 years$815$486$279$155$84$9
45 years$788$464$262$143$76$8
46 years$762$443$246$132$69$7
47 years$737$422$231$122$63$6
48 years$714$403$217$113$57$5
49 years$691$385$204$104$52$4
50 years$670$368$192$96$47$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $686,000, adding $2,895 every year, while hoping to spend $32,718 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: 56/18/26 Blend
34$686,000$686,000$686,000$686,000
35$758,958$722,600$711,967$795,899
36$801,560$723,196$701,006$822,179
37$847,411$722,724$688,582$847,129
38$896,808$721,098$674,610$873,635
39$950,076$718,226$659,003$901,859
40$1,007,574$714,010$641,670$931,979
41$1,069,696$708,345$622,515$964,191
42$1,136,873$701,122$601,438$998,716
43$1,209,582$692,225$578,334$1,035,796
44$1,288,344$681,529$553,093$1,075,701
45$1,373,735$668,904$525,602$1,118,732
46$1,466,386$654,210$495,739$1,165,218
47$1,566,993$637,302$463,382$1,215,528
48$1,676,318$618,022$428,397$1,270,070
49$1,795,204$596,206$390,650$1,329,293
50$1,924,576$571,681$349,997$1,393,698
51$2,065,450$544,261$306,290$1,463,839
52$2,218,947$513,751$259,372$1,540,327
53$2,386,300$479,945$209,081$1,623,842
54$2,568,865$442,625$155,248$1,715,133
55$2,768,136$401,560$97,695$1,815,031
56$2,985,755$356,506$36,237$1,924,454
57$3,223,532$307,205$0$2,044,419
58$3,483,460$253,385$0$2,184,191
59$3,767,730$194,758$0$2,348,129
60$4,078,758$131,021$0$2,527,602
61$4,419,203$61,853$0$2,724,189
62$4,791,992$0$0$2,939,633
63$5,200,350$0$0$3,178,447
64$5,647,827$0$0$3,453,623
65$6,138,333$0$0$3,755,324
66$6,676,175$0$0$4,086,205
67$7,266,097$0$0$4,449,193
68$7,913,322$0$0$4,847,511
69$8,623,606$0$0$5,284,709
70$9,403,288$0$0$5,764,697
71$10,259,350$0$0$6,291,785
72$11,199,483$0$0$6,870,717
73$12,232,160$0$0$7,506,720
74$13,366,716$0$0$8,205,555
75$14,613,434$0$0$8,973,565
76$15,983,640$0$0$9,817,739
77$17,489,817$0$0$10,745,779
78$19,145,712$0$0$11,766,168
79$20,966,475$0$0$12,888,253
80$22,968,795$0$0$14,122,331
81$25,171,059$0$0$15,479,749
82$27,593,526$0$0$16,973,007
83$30,258,518$0$0$18,615,878
84$33,190,629$0$0$20,423,538
85$36,416,956$0$0$22,412,709
86$39,967,356$0$0$24,601,813
87$43,874,726$0$0$27,011,150
88$48,175,316$0$0$29,663,087
89$52,909,064$0$0$32,582,272
90$58,119,981$0$0$35,795,861
91$63,856,559$0$0$39,333,776
92$70,172,230$0$0$43,228,992
93$77,125,872$0$0$47,517,839
94$84,782,361$0$0$52,240,352
95$93,213,187$0$0$57,440,647
96$102,497,122$0$0$63,167,332
97$112,720,969$0$0$69,473,973
98$123,980,376$0$0$76,419,594
99$136,380,741$0$0$84,069,235
100$150,038,206$0$0$92,494,567