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%13.1%
1 years$56,649$56,145$55,652$55,172$54,703$53,997
2 years$28,044$27,522$27,016$26,525$26,049$25,339
3 years$18,510$17,986$17,481$16,995$16,526$15,834
4 years$13,744$13,222$12,722$12,244$11,787$11,118
5 years$10,886$10,366$9,873$9,404$8,960$8,316
6 years$8,980$8,464$7,978$7,521$7,090$6,472
7 years$7,620$7,108$6,630$6,183$5,766$5,174
8 years$6,600$6,093$5,623$5,187$4,783$4,217
9 years$5,807$5,305$4,843$4,418$4,028$3,488
10 years$5,174$4,676$4,222$3,808$3,432$2,917
11 years$4,655$4,163$3,717$3,315$2,952$2,462
12 years$4,224$3,737$3,299$2,907$2,558$2,092
13 years$3,859$3,377$2,947$2,567$2,231$1,789
14 years$3,546$3,069$2,648$2,278$1,955$1,536
15 years$3,276$2,804$2,391$2,032$1,722$1,325
16 years$3,039$2,573$2,168$1,819$1,522$1,147
17 years$2,831$2,369$1,973$1,635$1,349$995
18 years$2,646$2,189$1,801$1,473$1,200$866
19 years$2,480$2,029$1,648$1,331$1,069$755
20 years$2,331$1,885$1,513$1,206$955$659
21 years$2,197$1,756$1,392$1,094$855$577
22 years$2,075$1,639$1,283$995$766$505
23 years$1,964$1,533$1,184$906$688$443
24 years$1,862$1,437$1,095$826$618$389
25 years$1,769$1,348$1,014$755$556$342
26 years$1,682$1,267$941$690$501$300
27 years$1,603$1,192$874$632$452$264
28 years$1,529$1,124$812$579$408$233
29 years$1,460$1,060$756$531$368$205
30 years$1,396$1,001$704$487$333$181
31 years$1,337$946$656$447$301$159
32 years$1,281$895$612$411$272$140
33 years$1,229$848$572$378$246$124
34 years$1,179$804$534$348$223$109
35 years$1,133$762$499$320$202$96
36 years$1,090$724$467$295$183$85
37 years$1,048$687$437$272$166$75
38 years$1,010$653$409$250$150$66
39 years$973$621$384$231$136$59
40 years$938$591$360$213$124$52
41 years$905$562$337$196$112$46
42 years$873$536$316$181$102$40
43 years$844$510$297$167$92$36
44 years$815$486$279$155$84$32
45 years$788$464$262$143$76$28
46 years$762$443$246$132$69$25
47 years$737$422$231$122$63$22
48 years$714$403$217$113$57$19
49 years$691$385$204$104$52$17
50 years$670$368$192$96$47$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $686,000, adding $2,882 every year, while hoping to spend $48,204 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: 52/25/23 Blend
34$686,000$686,000$686,000$686,000
35$758,945$722,587$711,954$793,422
36$785,068$706,705$684,516$801,666
37$812,241$688,429$654,543$805,437
38$840,519$667,591$621,899$808,539
39$869,962$644,014$586,443$810,925
40$900,635$617,507$548,026$812,548
41$932,608$587,873$506,493$813,359
42$965,956$554,901$461,682$813,308
43$1,000,759$518,366$413,424$812,341
44$1,037,105$478,035$361,542$810,405
45$1,075,087$433,656$305,851$807,446
46$1,114,808$384,967$246,159$803,405
47$1,156,377$331,689$182,264$798,227
48$1,199,914$273,528$113,956$791,851
49$1,245,548$210,174$41,016$784,219
50$1,293,418$141,297$0$775,271
51$1,343,677$66,551$0$773,982
52$1,396,490$0$0$782,585
53$1,452,036$0$0$794,974
54$1,510,511$0$0$827,314
55$1,572,127$0$0$861,416
56$1,637,115$0$0$897,414
57$1,705,728$0$0$935,449
58$1,778,240$0$0$975,679
59$1,854,953$0$0$1,018,273
60$1,936,193$0$0$1,063,419
61$2,022,319$0$0$1,111,321
62$2,113,722$0$0$1,162,200
63$2,210,829$0$0$1,216,302
64$2,314,108$0$0$1,273,891
65$2,424,072$0$0$1,335,261
66$2,541,281$0$0$1,400,731
67$2,666,349$0$0$1,470,651
68$2,799,948$0$0$1,545,404
69$2,942,816$0$0$1,625,412
70$3,095,760$0$0$1,711,136
71$3,259,667$0$0$1,803,081
72$3,435,509$0$0$1,901,803
73$3,624,353$0$0$2,007,911
74$3,827,368$0$0$2,122,075
75$4,045,842$0$0$2,245,027
76$4,281,184$0$0$2,377,576
77$4,534,946$0$0$2,520,606
78$4,808,828$0$0$2,675,092
79$5,104,704$0$0$2,842,103
80$5,424,628$0$0$3,022,814
81$5,770,861$0$0$3,218,519
82$6,145,886$0$0$3,430,639
83$6,552,436$0$0$3,660,735
84$6,993,513$0$0$3,910,527
85$7,472,421$0$0$4,181,904
86$7,992,793$0$0$4,476,945
87$8,558,625$0$0$4,797,937
88$9,174,316$0$0$5,147,398
89$9,844,702$0$0$5,528,096
90$10,575,108$0$0$5,943,078
91$11,371,392$0$0$6,395,699
92$12,240,002$0$0$6,889,649
93$13,188,035$0$0$7,428,993
94$14,223,304$0$0$8,018,203
95$15,354,408$0$0$8,662,202
96$16,590,815$0$0$9,366,413
97$17,942,948$0$0$10,136,805
98$19,422,285$0$0$10,979,950
99$21,041,462$0$0$11,903,085
100$22,814,396$0$0$12,914,179