Can I retire at age 35 with 660,000?

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 $660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$54,502$54,017$53,543$53,081$52,629$51,212
2 years$26,981$26,479$25,992$25,520$25,062$23,643
3 years$17,809$17,304$16,818$16,351$15,900$14,526
4 years$13,224$12,720$12,239$11,780$11,340$10,020
5 years$10,473$9,973$9,498$9,048$8,621$7,359
6 years$8,640$8,144$7,676$7,236$6,821$5,619
7 years$7,331$6,839$6,379$5,949$5,547$4,404
8 years$6,350$5,862$5,410$4,990$4,602$3,518
9 years$5,587$5,104$4,659$4,251$3,876$2,849
10 years$4,977$4,499$4,062$3,664$3,302$2,332
11 years$4,479$4,005$3,576$3,189$2,840$1,925
12 years$4,064$3,595$3,174$2,797$2,461$1,599
13 years$3,713$3,249$2,836$2,469$2,146$1,336
14 years$3,412$2,953$2,548$2,192$1,881$1,121
15 years$3,152$2,698$2,300$1,955$1,656$943
16 years$2,924$2,475$2,086$1,750$1,464$797
17 years$2,723$2,279$1,898$1,573$1,298$674
18 years$2,545$2,106$1,732$1,417$1,154$572
19 years$2,386$1,952$1,586$1,281$1,029$486
20 years$2,243$1,814$1,456$1,160$919$413
21 years$2,114$1,690$1,339$1,053$822$352
22 years$1,996$1,577$1,234$957$737$300
23 years$1,889$1,475$1,139$872$662$256
24 years$1,792$1,382$1,054$795$595$219
25 years$1,702$1,297$976$726$535$187
26 years$1,619$1,219$905$664$482$160
27 years$1,542$1,147$840$608$435$137
28 years$1,471$1,081$781$557$392$117
29 years$1,405$1,020$727$511$354$100
30 years$1,343$963$677$469$320$86
31 years$1,286$910$631$430$289$73
32 years$1,232$861$589$395$262$63
33 years$1,182$816$550$364$237$54
34 years$1,135$773$514$335$214$46
35 years$1,090$733$480$308$194$40
36 years$1,048$696$449$284$176$34
37 years$1,009$661$421$261$159$29
38 years$971$628$394$241$145$25
39 years$936$597$369$222$131$21
40 years$902$568$346$205$119$18
41 years$871$541$324$189$108$16
42 years$840$515$304$174$98$13
43 years$812$491$286$161$89$12
44 years$784$468$268$149$81$10
45 years$758$446$252$137$73$8
46 years$733$426$236$127$66$7
47 years$710$406$222$117$60$6
48 years$687$388$209$108$55$5
49 years$665$370$196$100$50$5
50 years$644$354$184$93$45$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $660,000, adding $4,898 every year, while hoping to spend $32,653 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: 31/49/20 Blend
34$660,000$660,000$660,000$660,000
35$732,372$697,392$687,162$750,381
36$772,332$696,822$675,440$763,796
37$815,273$695,129$662,230$774,934
38$861,465$692,225$647,449$786,236
39$911,204$688,014$631,008$797,737
40$964,815$682,395$612,816$809,479
41$1,022,656$675,262$592,775$821,507
42$1,085,119$666,502$570,784$833,876
43$1,152,635$655,994$546,739$846,652
44$1,225,677$643,611$520,529$859,907
45$1,304,767$629,220$492,038$873,727
46$1,390,478$612,676$461,146$888,208
47$1,483,439$593,829$427,726$903,464
48$1,584,343$572,520$391,648$919,620
49$1,693,951$548,578$352,773$936,821
50$1,813,101$521,826$310,958$955,233
51$1,942,715$492,073$266,053$975,042
52$2,083,807$459,119$217,901$996,459
53$2,237,493$422,754$166,338$1,019,723
54$2,405,000$382,752$111,194$1,045,103
55$2,587,681$338,878$52,289$1,072,902
56$2,787,023$290,881$0$1,103,462
57$3,004,662$238,497$0$1,139,422
58$3,242,402$181,447$0$1,191,011
59$3,502,225$119,437$0$1,247,586
60$3,786,318$52,155$0$1,309,731
61$4,097,084$0$0$1,378,100
62$4,437,171$0$0$1,464,595
63$4,809,497$0$0$1,590,175
64$5,217,271$0$0$1,727,814
65$5,664,031$0$0$1,878,719
66$6,153,670$0$0$2,044,218
67$6,690,477$0$0$2,225,775
68$7,279,176$0$0$2,425,002
69$7,924,969$0$0$2,643,674
70$8,633,589$0$0$2,883,748
71$9,411,346$0$0$3,147,377
72$10,265,193$0$0$3,436,935
73$11,202,791$0$0$3,755,037
74$12,232,576$0$0$4,104,562
75$13,363,843$0$0$4,488,684
76$14,606,831$0$0$4,910,898
77$15,972,820$0$0$5,375,056
78$17,474,236$0$0$5,885,400
79$19,124,771$0$0$6,446,605
80$20,939,507$0$0$7,063,821
81$22,935,063$0$0$7,742,723
82$25,129,747$0$0$8,489,561
83$27,543,730$0$0$9,311,226
84$30,199,239$0$0$10,215,305
85$33,120,760$0$0$11,210,163
86$36,335,274$0$0$12,305,011
87$39,872,509$0$0$13,510,004
88$43,765,219$0$0$14,836,328
89$48,049,496$0$0$16,296,308
90$52,765,106$0$0$17,903,526
91$57,955,867$0$0$19,672,948
92$63,670,060$0$0$21,621,064
93$69,960,886$0$0$23,766,044
94$76,886,965$0$0$26,127,910
95$84,512,891$0$0$28,728,726
96$92,909,841$0$0$31,592,801
97$102,156,243$0$0$34,746,924
98$112,338,521$0$0$38,220,616
99$123,551,905$0$0$42,046,403
100$135,901,333$0$0$46,260,131