Can I retire at age 35 with 665,000?

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 $665,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$54,915$54,426$53,949$53,483$53,028$51,005
2 years$27,186$26,679$26,189$25,713$25,251$23,237
3 years$17,944$17,435$16,946$16,475$16,021$14,078
4 years$13,324$12,817$12,332$11,869$11,426$9,570
5 years$10,552$10,049$9,570$9,117$8,686$6,922
6 years$8,705$8,205$7,734$7,291$6,873$5,202
7 years$7,387$6,891$6,427$5,994$5,589$4,010
8 years$6,398$5,907$5,451$5,028$4,637$3,149
9 years$5,630$5,143$4,695$4,283$3,905$2,506
10 years$5,015$4,533$4,093$3,692$3,327$2,014
11 years$4,513$4,036$3,603$3,213$2,862$1,631
12 years$4,094$3,622$3,198$2,818$2,480$1,330
13 years$3,741$3,273$2,857$2,488$2,162$1,089
14 years$3,438$2,975$2,567$2,209$1,896$895
15 years$3,175$2,718$2,318$1,970$1,669$738
16 years$2,946$2,494$2,101$1,764$1,475$610
17 years$2,744$2,297$1,912$1,585$1,308$506
18 years$2,565$2,122$1,746$1,428$1,163$420
19 years$2,404$1,967$1,598$1,290$1,037$349
20 years$2,260$1,828$1,467$1,169$926$290
21 years$2,130$1,702$1,349$1,061$829$242
22 years$2,012$1,589$1,243$964$743$201
23 years$1,904$1,486$1,148$878$667$168
24 years$1,805$1,393$1,062$801$599$140
25 years$1,714$1,307$983$732$539$117
26 years$1,631$1,228$912$669$486$98
27 years$1,554$1,156$847$612$438$82
28 years$1,482$1,089$787$561$395$68
29 years$1,416$1,028$733$514$357$57
30 years$1,354$970$682$472$322$48
31 years$1,296$917$636$434$291$40
32 years$1,242$868$594$398$264$33
33 years$1,191$822$554$366$239$28
34 years$1,143$779$518$337$216$23
35 years$1,098$739$484$310$196$20
36 years$1,056$701$453$286$177$16
37 years$1,016$666$424$263$161$14
38 years$979$633$397$243$146$11
39 years$943$602$372$224$132$10
40 years$909$573$349$206$120$8
41 years$877$545$327$190$109$7
42 years$847$519$307$176$99$6
43 years$818$495$288$162$90$5
44 years$790$472$270$150$81$4
45 years$764$450$254$138$74$3
46 years$739$429$238$128$67$3
47 years$715$409$224$118$61$2
48 years$692$391$210$109$55$2
49 years$670$373$198$101$50$2
50 years$649$357$186$93$46$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $665,000, adding $4,618 every year, while hoping to spend $27,321 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: 77/18/5 Blend
34$665,000$665,000$665,000$665,000
35$737,593$702,348$692,041$793,832
36$783,759$707,694$686,155$836,723
37$833,717$712,386$679,156$879,720
38$887,827$716,364$670,978$926,047
39$946,481$719,562$661,552$976,021
40$1,010,113$721,911$650,806$1,029,993
41$1,079,200$723,340$638,662$1,088,350
42$1,154,263$723,768$625,043$1,151,517
43$1,235,880$723,115$609,864$1,219,963
44$1,324,685$721,293$593,039$1,294,205
45$1,421,374$718,207$574,477$1,374,812
46$1,526,714$713,760$554,082$1,462,412
47$1,641,551$707,846$531,756$1,557,696
48$1,766,813$700,354$507,394$1,661,427
49$1,903,524$691,167$480,887$1,774,446
50$2,052,808$680,159$452,122$1,897,676
51$2,215,906$667,199$420,979$2,032,141
52$2,394,182$652,145$387,335$2,178,964
53$2,589,138$634,849$351,060$2,339,385
54$2,802,428$615,155$312,019$2,514,772
55$3,035,873$592,895$270,069$2,706,632
56$3,291,479$567,894$225,064$2,916,624
57$3,571,454$539,965$176,847$3,146,581
58$3,878,231$508,911$125,260$3,398,520
59$4,214,487$474,525$70,133$3,674,666
60$4,583,172$436,584$11,290$3,977,472
61$4,987,536$394,857$0$4,309,642
62$5,431,156$349,097$0$4,676,902
63$5,917,975$299,043$0$5,080,613
64$6,452,334$244,422$0$5,523,804
65$7,039,016$184,942$0$6,010,477
66$7,683,288$120,297$0$6,545,045
67$8,390,954$50,162$0$7,132,372
68$9,168,407$0$0$7,777,817
69$10,022,690$0$0$8,492,401
70$10,961,561$0$0$9,288,685
71$11,993,569$0$0$10,163,987
72$13,128,131$0$0$11,126,297
73$14,375,621$0$0$12,184,419
74$15,747,470$0$0$13,348,051
75$17,256,273$0$0$14,627,880
76$18,915,904$0$0$16,035,678
77$20,741,651$0$0$17,584,418
78$22,750,359$0$0$19,288,392
79$24,960,586$0$0$21,163,348
80$27,392,782$0$0$23,226,637
81$30,069,478$0$0$25,497,378
82$33,015,499$0$0$27,996,635
83$36,258,201$0$0$30,747,620
84$39,827,725$0$0$33,775,908
85$43,757,283$0$0$37,109,680
86$48,083,470$0$0$40,779,989
87$52,846,611$0$0$44,821,051
88$58,091,139$0$0$49,270,568
89$63,866,016$0$0$54,170,087
90$70,225,192$0$0$59,565,384
91$77,228,116$0$0$65,506,905
92$84,940,297$0$0$72,050,236
93$93,433,921$0$0$79,256,627
94$102,788,529$0$0$87,193,575
95$113,091,775$0$0$95,935,453
96$124,440,245$0$0$105,564,219
97$136,940,372$0$0$116,170,185
98$150,709,439$0$0$127,852,870
99$165,876,687$0$0$140,721,938
100$182,584,534$0$0$154,898,235