Can I retire at age 35 with 692,000?

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 $692,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$57,145$56,636$56,139$55,654$55,181$54,605
2 years$28,289$27,763$27,252$26,757$26,277$25,696
3 years$18,672$18,143$17,634$17,143$16,671$16,105
4 years$13,865$13,337$12,833$12,351$11,890$11,342
5 years$10,981$10,456$9,959$9,487$9,039$8,510
6 years$9,059$8,539$8,048$7,587$7,152$6,644
7 years$7,687$7,171$6,688$6,237$5,816$5,330
8 years$6,658$6,147$5,672$5,232$4,825$4,359
9 years$5,858$5,352$4,885$4,457$4,064$3,618
10 years$5,219$4,717$4,259$3,842$3,462$3,037
11 years$4,696$4,199$3,750$3,344$2,978$2,573
12 years$4,261$3,769$3,328$2,933$2,580$2,195
13 years$3,893$3,406$2,973$2,589$2,250$1,884
14 years$3,577$3,096$2,671$2,298$1,973$1,625
15 years$3,304$2,828$2,412$2,050$1,737$1,407
16 years$3,066$2,595$2,187$1,835$1,535$1,223
17 years$2,856$2,390$1,990$1,649$1,361$1,065
18 years$2,669$2,208$1,816$1,486$1,210$931
19 years$2,502$2,047$1,663$1,343$1,079$815
20 years$2,352$1,902$1,526$1,216$963$715
21 years$2,216$1,772$1,404$1,104$862$628
22 years$2,093$1,654$1,294$1,004$773$553
23 years$1,981$1,547$1,195$914$694$487
24 years$1,878$1,449$1,105$834$624$430
25 years$1,784$1,360$1,023$761$561$379
26 years$1,697$1,278$949$696$505$335
27 years$1,617$1,203$881$637$456$296
28 years$1,542$1,133$819$584$411$262
29 years$1,473$1,069$762$535$371$232
30 years$1,409$1,010$710$491$335$205
31 years$1,348$955$662$451$303$182
32 years$1,292$903$618$415$274$161
33 years$1,239$855$577$381$248$143
34 years$1,190$811$539$351$225$127
35 years$1,143$769$504$323$204$112
36 years$1,099$730$471$297$184$100
37 years$1,058$693$441$274$167$89
38 years$1,018$659$413$253$152$79
39 years$981$626$387$233$137$70
40 years$946$596$363$215$125$62
41 years$913$567$340$198$113$55
42 years$881$540$319$183$103$49
43 years$851$515$299$169$93$43
44 years$822$491$281$156$85$39
45 years$795$468$264$144$77$34
46 years$769$446$248$133$70$30
47 years$744$426$233$123$63$27
48 years$720$407$219$114$57$24
49 years$697$388$206$105$52$21
50 years$676$371$193$97$47$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $692,000, adding $2,760 every year, while hoping to spend $49,382 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: 76/7/17 Blend
34$692,000$692,000$692,000$692,000
35$765,431$728,755$718,029$820,484
36$790,963$711,922$689,541$840,425
37$817,444$692,609$658,443$855,865
38$844,919$670,642$624,597$871,464
39$873,435$645,839$587,855$887,223
40$903,044$618,003$548,067$903,144
41$933,799$586,929$505,072$919,228
42$965,758$552,401$458,703$935,480
43$998,984$514,187$408,788$951,904
44$1,033,542$472,044$355,144$968,506
45$1,069,504$425,715$297,583$985,293
46$1,106,946$374,927$235,904$1,002,275
47$1,145,950$319,395$169,903$1,019,464
48$1,186,605$258,813$99,363$1,036,873
49$1,229,006$192,861$24,058$1,054,519
50$1,273,254$121,201$0$1,072,421
51$1,319,460$43,475$0$1,100,816
52$1,367,744$0$0$1,134,840
53$1,418,235$0$0$1,173,336
54$1,471,072$0$0$1,217,133
55$1,526,405$0$0$1,263,005
56$1,584,399$0$0$1,311,092
57$1,645,231$0$0$1,361,540
58$1,709,093$0$0$1,414,510
59$1,776,195$0$0$1,470,177
60$1,846,763$0$0$1,528,730
61$1,921,046$0$0$1,590,377
62$1,999,311$0$0$1,655,342
63$2,081,853$0$0$1,723,870
64$2,168,990$0$0$1,796,228
65$2,261,070$0$0$1,872,706
66$2,358,475$0$0$1,953,624
67$2,461,619$0$0$2,039,327
68$2,570,954$0$0$2,130,194
69$2,686,976$0$0$2,226,639
70$2,810,227$0$0$2,329,116
71$2,941,299$0$0$2,438,119
72$3,080,839$0$0$2,554,191
73$3,229,558$0$0$2,677,924
74$3,388,231$0$0$2,809,970
75$3,557,712$0$0$2,951,039
76$3,738,931$0$0$3,101,912
77$3,932,912$0$0$3,263,446
78$4,140,777$0$0$3,436,577
79$4,363,755$0$0$3,622,337
80$4,603,196$0$0$3,821,853
81$4,860,582$0$0$4,036,366
82$5,137,539$0$0$4,267,238
83$5,435,853$0$0$4,515,961
84$5,757,484$0$0$4,784,179
85$6,104,589$0$0$5,073,694
86$6,479,532$0$0$5,386,488
87$6,884,917$0$0$5,724,737
88$7,323,601$0$0$6,090,837
89$7,798,729$0$0$6,487,417
90$8,313,756$0$0$6,917,370
91$8,872,481$0$0$7,383,879
92$9,479,085$0$0$7,890,441
93$10,138,162$0$0$8,440,904
94$10,854,770$0$0$9,039,502
95$11,634,471$0$0$9,690,893
96$12,483,386$0$0$10,400,200
97$13,408,250$0$0$11,173,062
98$14,416,473$0$0$12,015,687
99$15,516,214$0$0$12,934,902
100$16,716,450$0$0$13,938,226