Can I retire at age 35 with 664,000?

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 $664,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$54,832$54,344$53,868$53,402$52,948$51,858
2 years$27,145$26,639$26,149$25,674$25,213$24,120
3 years$17,917$17,409$16,920$16,450$15,996$14,934
4 years$13,304$12,797$12,314$11,851$11,409$10,385
5 years$10,537$10,033$9,556$9,103$8,673$7,691
6 years$8,692$8,193$7,723$7,280$6,862$5,924
7 years$7,376$6,880$6,418$5,985$5,581$4,686
8 years$6,389$5,898$5,443$5,021$4,630$3,778
9 years$5,621$5,135$4,688$4,276$3,899$3,089
10 years$5,008$4,526$4,087$3,686$3,322$2,554
11 years$4,506$4,030$3,598$3,208$2,857$2,130
12 years$4,088$3,617$3,193$2,814$2,476$1,788
13 years$3,735$3,268$2,853$2,484$2,159$1,510
14 years$3,433$2,971$2,563$2,205$1,893$1,280
15 years$3,171$2,714$2,314$1,967$1,666$1,090
16 years$2,942$2,490$2,098$1,761$1,473$931
17 years$2,740$2,293$1,909$1,582$1,306$797
18 years$2,561$2,119$1,743$1,426$1,161$684
19 years$2,401$1,964$1,596$1,288$1,035$588
20 years$2,257$1,825$1,464$1,167$924$506
21 years$2,127$1,700$1,347$1,059$827$436
22 years$2,009$1,587$1,241$963$742$377
23 years$1,901$1,484$1,146$877$666$326
24 years$1,802$1,390$1,060$800$598$282
25 years$1,712$1,305$982$730$538$244
26 years$1,628$1,226$911$668$485$211
27 years$1,551$1,154$846$611$437$183
28 years$1,480$1,088$786$560$395$159
29 years$1,413$1,026$732$514$356$137
30 years$1,352$969$681$471$322$119
31 years$1,294$916$635$433$291$104
32 years$1,240$867$593$398$263$90
33 years$1,189$821$553$366$238$78
34 years$1,142$778$517$337$216$68
35 years$1,097$738$483$310$195$59
36 years$1,055$700$452$285$177$51
37 years$1,015$665$423$263$160$44
38 years$977$632$396$242$145$39
39 years$942$601$371$223$132$34
40 years$908$572$348$206$120$29
41 years$876$544$326$190$109$25
42 years$845$518$306$176$98$22
43 years$816$494$287$162$89$19
44 years$789$471$270$150$81$17
45 years$763$449$253$138$74$14
46 years$738$428$238$128$67$13
47 years$714$409$223$118$61$11
48 years$691$390$210$109$55$10
49 years$669$373$197$101$50$8
50 years$648$356$186$93$45$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $664,000, adding $6,498 every year, while hoping to spend $27,718 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: 70/11/19 Blend
34$664,000$664,000$664,000$664,000
35$738,431$703,239$692,947$786,285
36$784,259$708,206$686,669$823,987
37$833,833$712,487$679,251$861,343
38$887,504$716,020$670,627$901,540
39$945,663$718,737$660,726$944,854
40$1,008,733$720,569$649,473$991,593
41$1,077,185$721,438$636,792$1,042,095
42$1,151,535$721,265$622,601$1,096,732
43$1,232,349$719,964$606,816$1,155,915
44$1,320,251$717,446$589,347$1,220,098
45$1,415,930$713,613$570,103$1,289,782
46$1,520,139$708,365$548,986$1,365,519
47$1,633,711$701,593$525,895$1,447,918
48$1,757,561$693,182$500,723$1,537,651
49$1,892,695$683,011$473,361$1,635,459
50$2,040,223$670,951$443,691$1,742,160
51$2,201,365$656,867$411,594$1,858,656
52$2,377,464$640,613$376,942$1,985,942
53$2,569,999$622,036$339,603$2,125,115
54$2,780,598$600,976$299,439$2,277,385
55$3,011,055$577,260$256,307$2,444,089
56$3,263,345$550,707$210,055$2,626,698
57$3,539,640$521,126$160,526$2,826,836
58$3,842,336$488,314$107,556$3,046,296
59$4,174,068$452,055$50,973$3,287,053
60$4,537,742$412,125$0$3,551,285
61$4,936,554$368,282$0$3,843,304
62$5,374,029$320,273$0$4,175,004
63$5,854,045$267,832$0$4,539,002
64$6,380,876$210,674$0$4,938,561
65$6,959,230$148,503$0$5,377,279
66$7,594,293$81,001$0$5,859,119
67$8,291,777$7,835$0$6,388,449
68$9,057,974$0$0$6,970,082
69$9,899,818$0$0$7,617,958
70$10,824,944$0$0$8,331,009
71$11,841,766$0$0$9,114,777
72$12,959,554$0$0$9,976,409
73$14,188,518$0$0$10,923,784
74$15,539,910$0$0$11,965,579
75$17,026,126$0$0$13,111,355
76$18,660,821$0$0$14,371,647
77$20,459,044$0$0$15,758,062
78$22,437,372$0$0$17,283,387
79$24,614,071$0$0$18,961,712
80$27,009,269$0$0$20,808,561
81$29,645,141$0$0$22,841,042
82$32,546,121$0$0$25,078,000
83$35,739,132$0$0$27,540,204
84$39,253,839$0$0$30,250,537
85$43,122,930$0$0$33,234,212
86$47,382,421$0$0$36,519,014
87$52,072,001$0$0$40,135,554
88$57,235,400$0$0$44,117,567
89$62,920,806$0$0$48,502,224
90$69,181,315$0$0$53,330,482
91$76,075,439$0$0$58,647,475
92$83,667,648$0$0$64,502,936
93$92,028,987$0$0$70,951,667
94$101,237,740$0$0$78,054,055
95$111,380,173$0$0$85,876,645
96$122,551,343$0$0$94,492,762
97$134,856,001$0$0$103,983,210
98$148,409,573$0$0$114,437,026
99$163,339,254$0$0$125,952,330
100$179,785,208$0$0$138,637,240