Can I retire at age 35 with 663,000?

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 $663,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$54,750$54,262$53,786$53,322$52,869$51,695
2 years$27,104$26,599$26,110$25,636$25,176$24,000
3 years$17,890$17,383$16,895$16,425$15,972$14,831
4 years$13,284$12,778$12,295$11,833$11,392$10,293
5 years$10,521$10,018$9,542$9,089$8,660$7,607
6 years$8,679$8,181$7,711$7,269$6,852$5,846
7 years$7,365$6,870$6,408$5,976$5,573$4,614
8 years$6,379$5,889$5,434$5,013$4,623$3,711
9 years$5,613$5,127$4,681$4,270$3,893$3,028
10 years$5,000$4,520$4,081$3,681$3,317$2,497
11 years$4,499$4,023$3,593$3,203$2,853$2,077
12 years$4,082$3,611$3,188$2,810$2,472$1,739
13 years$3,729$3,264$2,849$2,481$2,156$1,464
14 years$3,427$2,966$2,559$2,202$1,890$1,238
15 years$3,166$2,710$2,311$1,964$1,664$1,051
16 years$2,937$2,486$2,095$1,758$1,471$895
17 years$2,736$2,290$1,906$1,580$1,304$764
18 years$2,557$2,116$1,740$1,424$1,159$654
19 years$2,397$1,961$1,593$1,287$1,033$561
20 years$2,253$1,822$1,462$1,165$923$481
21 years$2,123$1,697$1,345$1,057$826$414
22 years$2,006$1,584$1,240$962$740$356
23 years$1,898$1,482$1,144$876$665$307
24 years$1,800$1,388$1,058$799$597$264
25 years$1,709$1,303$980$729$538$228
26 years$1,626$1,225$909$667$484$197
27 years$1,549$1,152$844$610$437$170
28 years$1,478$1,086$785$559$394$147
29 years$1,411$1,024$730$513$356$127
30 years$1,350$968$680$471$321$110
31 years$1,292$915$634$432$291$95
32 years$1,238$865$592$397$263$82
33 years$1,187$820$553$365$238$71
34 years$1,140$777$516$336$215$62
35 years$1,095$737$483$309$195$53
36 years$1,053$699$452$285$177$46
37 years$1,013$664$423$263$160$40
38 years$976$631$396$242$145$35
39 years$940$600$371$223$132$30
40 years$906$571$348$206$119$26
41 years$874$544$326$190$108$22
42 years$844$518$306$175$98$19
43 years$815$493$287$162$89$17
44 years$788$470$269$149$81$15
45 years$762$448$253$138$74$13
46 years$737$428$237$127$67$11
47 years$713$408$223$118$61$10
48 years$690$390$210$109$55$8
49 years$668$372$197$101$50$7
50 years$647$355$185$93$45$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $663,000, adding $3,907 every year, while hoping to spend $24,364 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: 82/13/5 Blend
34$663,000$663,000$663,000$663,000
35$734,656$699,517$689,241$794,505
36$783,668$707,870$686,407$842,533
37$836,862$715,816$682,662$891,566
38$894,640$723,309$677,949$944,632
39$957,443$730,301$672,210$1,002,120
40$1,025,755$736,738$665,382$1,064,456
41$1,100,110$742,567$657,400$1,132,114
42$1,181,097$747,728$648,198$1,205,612
43$1,269,360$752,158$637,704$1,285,523
44$1,365,612$755,790$625,844$1,372,475
45$1,470,634$758,555$612,540$1,467,163
46$1,585,290$760,375$597,711$1,570,351
47$1,710,527$761,170$581,272$1,682,881
48$1,847,389$760,856$563,133$1,805,681
49$1,997,027$759,342$543,202$1,939,772
50$2,160,705$756,532$521,382$2,086,280
51$2,339,819$752,323$497,569$2,246,445
52$2,535,901$746,608$471,659$2,421,634
53$2,750,643$739,272$443,539$2,613,352
54$2,985,905$730,193$413,094$2,823,260
55$3,243,737$719,241$380,202$3,053,185
56$3,526,395$706,281$344,736$3,305,141
57$3,836,366$691,168$306,564$3,581,349
58$4,176,388$673,748$265,546$3,884,255
59$4,549,477$653,859$221,539$4,216,555
60$4,958,954$631,328$174,391$4,581,219
61$5,408,479$605,975$123,945$4,981,521
62$5,902,083$577,607$70,036$5,421,069
63$6,444,205$546,019$12,492$5,903,839
64$7,039,737$510,997$0$6,434,212
65$7,694,068$472,313$0$7,019,626
66$8,413,133$429,727$0$7,663,675
67$9,203,471$382,983$0$8,371,565
68$10,072,289$331,812$0$9,149,771
69$11,027,524$275,932$0$10,005,427
70$12,077,919$215,041$0$10,946,393
71$13,233,111$148,822$0$11,981,335
72$14,503,715$76,941$0$13,119,798
73$15,901,427$0$0$14,372,303
74$17,439,133$0$0$15,750,580
75$19,131,031$0$0$17,279,192
76$20,992,765$0$0$18,961,266
77$23,041,573$0$0$20,812,378
78$25,296,447$0$0$22,849,692
79$27,778,315$0$0$25,092,117
80$30,510,234$0$0$27,560,490
81$33,517,613$0$0$30,277,770
82$36,828,447$0$0$33,269,254
83$40,473,585$0$0$36,562,820
84$44,487,020$0$0$40,189,182
85$48,906,207$0$0$44,182,187
86$53,772,418$0$0$48,579,131
87$59,131,133$0$0$53,421,109
88$65,032,465$0$0$58,753,406
89$71,531,638$0$0$64,625,923
90$78,689,500$0$0$71,093,647
91$86,573,106$0$0$78,217,168
92$95,256,343$0$0$86,063,256
93$104,820,634$0$0$94,705,485
94$115,355,698$0$0$104,224,930
95$126,960,406$0$0$114,710,932
96$139,743,703$0$0$126,261,940
97$153,825,647$0$0$138,986,442
98$169,338,535$0$0$153,003,986
99$186,428,150$0$0$168,446,308
100$205,255,145$0$0$185,458,578