Can I retire at age 35 with 699,000?

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 $699,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$57,723$57,209$56,707$56,217$55,739$54,861
2 years$28,576$28,043$27,528$27,028$26,542$25,660
3 years$18,861$18,327$17,812$17,317$16,840$15,980
4 years$14,005$13,472$12,963$12,476$12,010$11,181
5 years$11,092$10,562$10,060$9,583$9,130$8,333
6 years$9,151$8,625$8,130$7,663$7,224$6,460
7 years$7,764$7,243$6,756$6,300$5,875$5,144
8 years$6,725$6,209$5,729$5,285$4,874$4,176
9 years$5,917$5,406$4,935$4,502$4,105$3,440
10 years$5,272$4,765$4,302$3,881$3,497$2,865
11 years$4,744$4,242$3,788$3,377$3,008$2,407
12 years$4,304$3,807$3,361$2,962$2,607$2,037
13 years$3,932$3,441$3,003$2,615$2,273$1,733
14 years$3,614$3,128$2,698$2,322$1,992$1,482
15 years$3,338$2,857$2,436$2,070$1,754$1,272
16 years$3,097$2,621$2,209$1,854$1,550$1,095
17 years$2,884$2,414$2,010$1,666$1,375$946
18 years$2,696$2,231$1,835$1,501$1,222$819
19 years$2,527$2,067$1,680$1,356$1,090$710
20 years$2,376$1,921$1,542$1,228$973$617
21 years$2,239$1,789$1,418$1,115$871$537
22 years$2,114$1,670$1,307$1,014$781$468
23 years$2,001$1,562$1,207$923$701$408
24 years$1,897$1,464$1,116$842$630$356
25 years$1,802$1,374$1,034$769$567$311
26 years$1,714$1,291$959$703$511$272
27 years$1,633$1,215$890$644$460$238
28 years$1,558$1,145$827$590$415$208
29 years$1,488$1,080$770$541$375$183
30 years$1,423$1,020$717$496$339$160
31 years$1,362$964$669$456$306$140
32 years$1,305$912$624$419$277$123
33 years$1,252$864$583$385$251$108
34 years$1,202$819$544$354$227$95
35 years$1,155$777$509$326$206$83
36 years$1,110$737$476$300$186$73
37 years$1,068$700$446$277$169$64
38 years$1,029$665$417$255$153$56
39 years$991$633$391$235$139$49
40 years$956$602$366$217$126$43
41 years$922$573$344$200$114$38
42 years$890$546$322$185$104$33
43 years$859$520$302$171$94$29
44 years$831$496$284$157$85$26
45 years$803$473$267$145$78$23
46 years$777$451$250$134$70$20
47 years$751$430$235$124$64$17
48 years$727$411$221$115$58$15
49 years$704$392$208$106$53$13
50 years$682$375$195$98$48$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $699,000, adding $5,574 every year, while hoping to spend $49,655 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: 72/15/13 Blend
34$699,000$699,000$699,000$699,000
35$776,048$739,001$728,166$829,372
36$802,372$722,379$699,727$848,811
37$829,717$703,279$668,671$863,471
38$858,135$681,526$634,858$878,199
39$887,680$656,937$598,142$892,991
40$918,413$629,316$558,369$907,841
41$950,397$598,458$515,380$922,747
42$983,699$564,144$469,007$937,706
43$1,018,394$526,145$419,076$952,717
44$1,054,560$484,215$365,405$967,780
45$1,092,281$438,099$307,802$982,896
46$1,131,651$387,522$246,070$998,068
47$1,172,766$332,198$180,001$1,013,303
48$1,215,735$271,822$109,378$1,028,606
49$1,260,672$206,073$33,974$1,043,990
50$1,307,702$134,612$0$1,059,468
51$1,356,959$57,080$0$1,081,507
52$1,408,591$0$0$1,109,129
53$1,462,756$0$0$1,142,120
54$1,519,626$0$0$1,186,660
55$1,579,389$0$0$1,233,477
56$1,642,247$0$0$1,282,732
57$1,708,422$0$0$1,334,599
58$1,778,155$0$0$1,389,268
59$1,851,708$0$0$1,446,948
60$1,929,367$0$0$1,507,865
61$2,011,445$0$0$1,572,265
62$2,098,280$0$0$1,640,417
63$2,190,246$0$0$1,712,616
64$2,287,747$0$0$1,789,183
65$2,391,227$0$0$1,870,469
66$2,501,171$0$0$1,956,858
67$2,618,109$0$0$2,048,770
68$2,742,623$0$0$2,146,665
69$2,875,347$0$0$2,251,046
70$3,016,978$0$0$2,362,465
71$3,168,278$0$0$2,481,526
72$3,330,083$0$0$2,608,891
73$3,503,310$0$0$2,745,286
74$3,688,962$0$0$2,891,507
75$3,888,144$0$0$3,048,428
76$4,102,063$0$0$3,217,008
77$4,332,048$0$0$3,398,299
78$4,579,555$0$0$3,593,455
79$4,846,187$0$0$3,803,746
80$5,133,699$0$0$4,030,566
81$5,444,024$0$0$4,275,444
82$5,779,282$0$0$4,540,063
83$6,141,805$0$0$4,826,273
84$6,534,157$0$0$5,136,103
85$6,959,154$0$0$5,471,790
86$7,419,894$0$0$5,835,788
87$7,919,783$0$0$6,230,799
88$8,462,566$0$0$6,659,793
89$9,052,366$0$0$7,126,039
90$9,693,713$0$0$7,633,131
91$10,391,595$0$0$8,185,023
92$11,151,498$0$0$8,786,068
93$11,979,460$0$0$9,441,054
94$12,882,125$0$0$10,155,251
95$13,866,806$0$0$10,934,459
96$14,941,552$0$0$11,785,063
97$16,115,222$0$0$12,714,090
98$17,397,570$0$0$13,729,276
99$18,799,333$0$0$14,839,139
100$20,332,333$0$0$16,053,057