Can I retire at age 35 with 667,000?

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 $667,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$55,080$54,590$54,111$53,644$53,188$52,263
2 years$27,267$26,760$26,267$25,790$25,327$24,399
3 years$17,998$17,488$16,997$16,524$16,069$15,166
4 years$13,364$12,855$12,369$11,905$11,460$10,589
5 years$10,584$10,079$9,599$9,144$8,712$7,875
6 years$8,732$8,230$7,757$7,312$6,893$6,092
7 years$7,409$6,912$6,447$6,012$5,606$4,841
8 years$6,417$5,924$5,467$5,043$4,651$3,921
9 years$5,647$5,158$4,709$4,296$3,917$3,222
10 years$5,030$4,547$4,105$3,703$3,337$2,677
11 years$4,526$4,048$3,614$3,223$2,870$2,243
12 years$4,107$3,633$3,208$2,827$2,487$1,893
13 years$3,752$3,283$2,866$2,496$2,169$1,607
14 years$3,448$2,984$2,575$2,215$1,901$1,370
15 years$3,185$2,726$2,325$1,976$1,674$1,173
16 years$2,955$2,501$2,108$1,769$1,479$1,007
17 years$2,752$2,304$1,918$1,589$1,312$867
18 years$2,572$2,129$1,751$1,432$1,166$749
19 years$2,412$1,973$1,603$1,294$1,040$647
20 years$2,267$1,833$1,471$1,172$929$561
21 years$2,136$1,708$1,353$1,064$831$486
22 years$2,018$1,594$1,247$967$745$423
23 years$1,910$1,491$1,151$881$669$367
24 years$1,811$1,397$1,065$803$601$320
25 years$1,720$1,311$986$734$541$279
26 years$1,636$1,232$915$671$487$243
27 years$1,558$1,159$849$614$439$212
28 years$1,487$1,093$790$563$396$185
29 years$1,420$1,031$735$516$358$161
30 years$1,358$973$684$474$323$141
31 years$1,300$920$638$435$292$123
32 years$1,245$871$595$400$264$108
33 years$1,194$824$556$368$239$94
34 years$1,147$781$519$338$217$82
35 years$1,102$741$486$311$196$72
36 years$1,059$703$454$287$178$63
37 years$1,019$668$425$264$161$55
38 years$982$635$398$243$146$48
39 years$946$604$373$225$132$42
40 years$912$574$350$207$120$37
41 years$880$547$328$191$109$32
42 years$849$521$308$176$99$28
43 years$820$496$289$163$90$25
44 years$792$473$271$150$81$22
45 years$766$451$254$139$74$19
46 years$741$430$239$128$67$17
47 years$717$411$224$118$61$14
48 years$694$392$211$109$55$13
49 years$672$374$198$101$50$11
50 years$651$358$186$93$46$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $667,000, adding $2,372 every year, while hoping to spend $45,627 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: 46/46/8 Blend
34$667,000$667,000$667,000$667,000
35$737,481$702,130$691,791$769,670
36$764,157$687,987$666,419$777,950
37$792,025$671,623$638,669$781,996
38$821,158$652,879$608,411$785,331
39$851,636$631,589$575,512$787,905
40$883,544$607,578$539,833$789,665
41$916,975$580,660$501,227$790,556
42$952,031$550,636$459,542$790,521
43$988,820$517,300$414,619$789,503
44$1,027,462$480,430$366,291$787,441
45$1,068,086$439,793$314,384$784,275
46$1,110,832$395,144$258,717$779,942
47$1,155,852$346,221$199,100$774,378
48$1,203,313$292,751$135,334$767,518
49$1,253,397$234,442$67,214$759,298
50$1,306,301$170,986$0$749,651
51$1,362,240$102,061$0$738,981
52$1,421,450$27,324$0$732,906
53$1,484,188$0$0$725,639
54$1,550,734$0$0$744,265
55$1,621,395$0$0$778,766
56$1,696,507$0$0$815,483
57$1,776,437$0$0$854,599
58$1,861,587$0$0$896,317
59$1,952,396$0$0$940,858
60$2,049,347$0$0$988,466
61$2,152,968$0$0$1,039,406
62$2,263,838$0$0$1,093,971
63$2,382,592$0$0$1,152,481
64$2,509,926$0$0$1,215,287
65$2,646,603$0$0$1,282,774
66$2,793,462$0$0$1,355,367
67$2,951,424$0$0$1,433,529
68$3,121,498$0$0$1,517,770
69$3,304,794$0$0$1,608,653
70$3,502,531$0$0$1,706,791
71$3,716,047$0$0$1,812,862
72$3,946,814$0$0$1,927,610
73$4,196,448$0$0$2,051,852
74$4,466,728$0$0$2,186,487
75$4,759,607$0$0$2,332,502
76$5,077,234$0$0$2,490,986
77$5,421,971$0$0$2,663,133
78$5,796,418$0$0$2,850,259
79$6,203,432$0$0$3,053,808
80$6,646,159$0$0$3,275,374
81$7,128,058$0$0$3,516,707
82$7,652,937$0$0$3,779,734
83$8,224,984$0$0$4,066,576
84$8,848,811$0$0$4,379,567
85$9,529,492$0$0$4,721,277
86$10,272,613$0$0$5,094,533
87$11,084,322$0$0$5,502,450
88$11,971,389$0$0$5,948,454
89$12,941,265$0$0$6,436,321
90$14,002,155$0$0$6,970,206
91$15,163,094$0$0$7,554,684
92$16,434,029$0$0$8,194,796
93$17,825,915$0$0$8,896,088
94$19,350,815$0$0$9,664,674
95$21,022,015$0$0$10,507,282
96$22,854,145$0$0$11,431,326
97$24,863,322$0$0$12,444,970
98$27,067,293$0$0$13,557,206
99$29,485,608$0$0$14,777,941
100$32,139,802$0$0$16,118,084