Can I retire at age 35 with 669,000?

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 $669,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$55,245$54,753$54,273$53,805$53,347$52,659
2 years$27,349$26,840$26,346$25,868$25,403$24,711
3 years$18,052$17,540$17,048$16,574$16,117$15,442
4 years$13,404$12,894$12,406$11,940$11,495$10,842
5 years$10,616$10,109$9,628$9,171$8,738$8,110
6 years$8,758$8,255$7,781$7,334$6,914$6,311
7 years$7,431$6,932$6,466$6,030$5,623$5,045
8 years$6,437$5,942$5,484$5,058$4,665$4,113
9 years$5,664$5,174$4,723$4,309$3,929$3,401
10 years$5,045$4,560$4,118$3,714$3,347$2,845
11 years$4,540$4,060$3,625$3,232$2,879$2,401
12 years$4,119$3,644$3,217$2,835$2,495$2,040
13 years$3,763$3,293$2,874$2,503$2,175$1,744
14 years$3,458$2,993$2,583$2,222$1,907$1,498
15 years$3,195$2,734$2,332$1,982$1,679$1,292
16 years$2,964$2,509$2,114$1,774$1,484$1,118
17 years$2,761$2,311$1,924$1,594$1,316$971
18 years$2,580$2,135$1,756$1,437$1,170$844
19 years$2,419$1,979$1,608$1,298$1,043$736
20 years$2,274$1,839$1,475$1,176$931$643
21 years$2,143$1,713$1,357$1,067$834$562
22 years$2,024$1,599$1,251$970$747$493
23 years$1,915$1,495$1,155$884$671$432
24 years$1,816$1,401$1,068$806$603$379
25 years$1,725$1,315$989$736$542$333
26 years$1,641$1,236$917$673$489$293
27 years$1,563$1,163$852$616$441$258
28 years$1,491$1,096$792$564$397$227
29 years$1,424$1,034$737$518$359$200
30 years$1,362$976$686$475$324$176
31 years$1,304$923$640$436$293$155
32 years$1,249$873$597$401$265$137
33 years$1,198$827$558$369$240$121
34 years$1,150$784$521$339$217$107
35 years$1,105$743$487$312$197$94
36 years$1,063$706$456$288$178$83
37 years$1,022$670$426$265$162$73
38 years$985$637$399$244$147$65
39 years$949$606$374$225$133$57
40 years$915$576$351$208$121$51
41 years$882$548$329$192$109$45
42 years$852$522$308$177$99$39
43 years$823$498$289$163$90$35
44 years$795$474$272$151$82$31
45 years$768$452$255$139$74$27
46 years$743$432$240$129$67$24
47 years$719$412$225$119$61$21
48 years$696$393$212$110$56$19
49 years$674$375$199$101$50$17
50 years$653$359$187$94$46$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $669,000, adding $2,533 every year, while hoping to spend $54,638 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: 47/30/23 Blend
34$669,000$669,000$669,000$669,000
35$739,851$704,394$694,024$769,660
36$757,181$680,775$659,140$767,184
37$774,448$654,167$621,255$758,878
38$791,587$624,367$580,213$748,753
39$808,526$591,158$535,847$736,667
40$825,183$554,312$487,985$722,463
41$841,466$513,587$436,447$705,976
42$857,271$468,728$381,043$687,025
43$872,483$419,466$321,578$665,421
44$886,970$365,515$257,846$640,957
45$900,589$306,573$189,631$613,412
46$913,176$242,322$116,711$582,548
47$924,550$172,425$38,851$548,111
48$934,508$96,528$0$509,825
49$942,825$14,255$0$478,252
50$949,250$0$0$453,099
51$953,503$0$0$449,233
52$955,274$0$0$448,745
53$954,218$0$0$446,748
54$949,952$0$0$443,042
55$942,050$0$0$437,407
56$930,041$0$0$429,596
57$913,402$0$0$419,336
58$891,554$0$0$406,327
59$863,854$0$0$390,233
60$829,591$0$0$370,686
61$787,979$0$0$347,275
62$738,146$0$0$319,548
63$679,129$0$0$287,003
64$609,861$0$0$249,087
65$529,164$0$0$205,187
66$435,734$0$0$154,626
67$328,132$0$0$96,656
68$204,764$0$0$30,451
69$63,872$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0