Can I retire at age 35 with 666,000?

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 $666,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$54,998$54,508$54,030$53,563$53,108$52,488
2 years$27,227$26,719$26,228$25,752$25,289$24,665
3 years$17,971$17,461$16,971$16,499$16,045$15,436
4 years$13,344$12,836$12,351$11,887$11,443$10,854
5 years$10,568$10,064$9,585$9,130$8,699$8,132
6 years$8,719$8,218$7,746$7,302$6,883$6,338
7 years$7,398$6,901$6,437$6,003$5,598$5,076
8 years$6,408$5,916$5,459$5,036$4,644$4,145
9 years$5,638$5,151$4,702$4,289$3,911$3,434
10 years$5,023$4,540$4,099$3,697$3,332$2,877
11 years$4,520$4,042$3,609$3,218$2,866$2,433
12 years$4,101$3,628$3,203$2,823$2,483$2,071
13 years$3,746$3,278$2,861$2,492$2,166$1,774
14 years$3,443$2,980$2,571$2,212$1,898$1,527
15 years$3,180$2,722$2,321$1,973$1,672$1,320
16 years$2,951$2,498$2,105$1,766$1,477$1,145
17 years$2,748$2,300$1,915$1,587$1,310$995
18 years$2,569$2,125$1,748$1,430$1,165$868
19 years$2,408$1,970$1,600$1,292$1,038$758
20 years$2,264$1,830$1,469$1,170$927$664
21 years$2,133$1,705$1,351$1,062$830$582
22 years$2,015$1,592$1,245$966$744$511
23 years$1,907$1,489$1,150$880$668$449
24 years$1,808$1,395$1,063$802$600$395
25 years$1,717$1,309$985$733$540$348
26 years$1,633$1,230$913$670$486$307
27 years$1,556$1,158$848$613$439$270
28 years$1,484$1,091$788$562$396$239
29 years$1,418$1,029$734$515$357$211
30 years$1,356$972$683$473$323$186
31 years$1,298$919$637$434$292$165
32 years$1,244$869$594$399$264$145
33 years$1,193$823$555$367$239$129
34 years$1,145$780$519$338$216$114
35 years$1,100$740$485$311$196$101
36 years$1,058$702$454$286$178$89
37 years$1,018$667$425$264$161$79
38 years$980$634$398$243$146$70
39 years$944$603$372$224$132$62
40 years$911$574$349$207$120$55
41 years$878$546$327$191$109$48
42 years$848$520$307$176$99$43
43 years$819$495$288$163$90$38
44 years$791$472$270$150$81$34
45 years$765$450$254$139$74$30
46 years$740$430$239$128$67$26
47 years$716$410$224$118$61$23
48 years$693$391$211$109$55$21
49 years$671$374$198$101$50$18
50 years$650$357$186$93$46$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $666,000, adding $5,873 every year, while hoping to spend $22,438 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: 45/30/25 Blend
34$666,000$666,000$666,000$666,000
35$739,990$704,692$694,369$767,717
36$791,595$715,348$693,757$798,568
37$847,712$725,774$692,371$829,372
38$908,777$735,936$690,164$862,335
39$975,270$745,795$687,083$897,671
40$1,047,721$755,311$683,073$935,615
41$1,126,710$764,443$678,078$976,427
42$1,212,878$773,144$672,037$1,020,396
43$1,306,929$781,366$664,887$1,067,838
44$1,409,639$789,056$656,564$1,119,106
45$1,521,861$796,159$646,999$1,174,587
46$1,644,536$802,616$636,118$1,234,711
47$1,778,699$808,364$623,848$1,299,952
48$1,925,488$813,336$610,109$1,370,832
49$2,086,159$817,460$594,818$1,447,931
50$2,262,092$820,661$577,890$1,531,888
51$2,454,810$822,858$559,234$1,623,408
52$2,665,988$823,965$538,755$1,723,271
53$2,897,470$823,891$516,355$1,832,337
54$3,151,290$822,539$491,931$1,951,558
55$3,429,685$819,807$465,374$2,081,983
56$3,735,120$815,586$436,572$2,224,772
57$4,070,312$809,759$405,406$2,381,204
58$4,438,251$802,204$371,754$2,552,692
59$4,842,232$792,791$335,487$2,740,796
60$5,285,884$781,382$296,471$2,947,238
61$5,773,205$767,831$254,564$3,173,917
62$6,308,601$751,983$209,620$3,422,933
63$6,896,922$733,675$161,486$3,696,599
64$7,543,515$712,731$110,003$3,997,472
65$8,254,268$688,970$55,003$4,328,369
66$9,035,669$662,195$0$4,692,403
67$9,894,866$632,202$0$5,093,992
68$10,839,735$598,772$0$5,551,659
69$11,878,952$561,675$0$6,054,948
70$13,022,075$520,668$0$6,608,522
71$14,279,639$475,493$0$7,217,522
72$15,663,247$425,877$0$7,887,618
73$17,185,687$371,534$0$8,625,059
74$18,861,047$312,158$0$9,436,735
75$20,704,849$247,430$0$10,330,244
76$22,734,198$177,009$0$11,313,959
77$24,967,941$100,537$0$12,397,114
78$27,426,844$17,636$0$13,589,887
79$30,133,788$0$0$14,903,499
80$33,113,986$0$0$16,374,119
81$36,395,221$0$0$17,999,799
82$40,008,106$0$0$19,789,898
83$43,986,374$0$0$21,761,142
84$48,367,193$0$0$23,931,962
85$53,191,524$0$0$26,322,668
86$58,504,500$0$0$28,955,640
87$64,355,853$0$0$31,855,539
88$70,800,387$0$0$35,049,539
89$77,898,491$0$0$38,567,588
90$85,716,710$0$0$42,442,681
91$94,328,374$0$0$46,711,181
92$103,814,287$0$0$51,413,158
93$114,263,492$0$0$56,592,766
94$125,774,111$0$0$62,298,661
95$138,454,269$0$0$68,584,461
96$152,423,115$0$0$75,509,249
97$167,811,949$0$0$83,138,135
98$184,765,457$0$0$91,542,865
99$203,443,079$0$0$100,802,505
100$224,020,512$0$0$111,004,179