Can I retire at age 35 with 682,000?

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 $682,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$56,319$55,817$55,328$54,850$54,384$53,771
2 years$27,881$27,361$26,858$26,370$25,897$25,280
3 years$18,402$17,881$17,379$16,896$16,430$15,828
4 years$13,664$13,144$12,647$12,172$11,718$11,136
5 years$10,822$10,305$9,815$9,350$8,908$8,347
6 years$8,928$8,415$7,932$7,477$7,049$6,510
7 years$7,576$7,067$6,591$6,147$5,732$5,216
8 years$6,562$6,058$5,590$5,157$4,756$4,261
9 years$5,774$5,274$4,815$4,392$4,005$3,533
10 years$5,143$4,649$4,198$3,786$3,412$2,962
11 years$4,628$4,139$3,696$3,295$2,935$2,506
12 years$4,199$3,715$3,280$2,890$2,543$2,135
13 years$3,836$3,357$2,930$2,552$2,218$1,830
14 years$3,526$3,051$2,633$2,265$1,944$1,576
15 years$3,257$2,788$2,377$2,020$1,712$1,363
16 years$3,022$2,558$2,155$1,809$1,513$1,183
17 years$2,814$2,355$1,961$1,625$1,341$1,030
18 years$2,630$2,177$1,790$1,465$1,193$898
19 years$2,466$2,017$1,639$1,323$1,063$785
20 years$2,318$1,874$1,504$1,199$950$688
21 years$2,184$1,746$1,383$1,088$850$604
22 years$2,063$1,630$1,275$989$762$530
23 years$1,952$1,524$1,177$901$684$466
24 years$1,851$1,428$1,089$822$615$411
25 years$1,758$1,340$1,008$750$553$362
26 years$1,673$1,260$935$686$498$319
27 years$1,593$1,185$868$628$449$282
28 years$1,520$1,117$807$575$405$249
29 years$1,452$1,054$751$528$366$220
30 years$1,388$995$700$484$331$194
31 years$1,329$941$652$445$299$172
32 years$1,273$890$609$409$270$152
33 years$1,221$843$568$376$245$135
34 years$1,172$799$531$346$222$119
35 years$1,127$758$497$318$201$106
36 years$1,083$719$464$293$182$94
37 years$1,042$683$435$270$165$83
38 years$1,004$649$407$249$149$73
39 years$967$617$381$230$135$65
40 years$932$587$358$212$123$58
41 years$900$559$335$195$111$51
42 years$868$533$314$180$101$45
43 years$839$507$295$166$92$40
44 years$810$484$277$154$83$36
45 years$783$461$260$142$76$32
46 years$758$440$244$131$69$28
47 years$733$420$229$121$62$25
48 years$710$401$216$112$57$22
49 years$687$383$203$103$51$20
50 years$666$366$191$96$47$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $682,000, adding $4,036 every year, while hoping to spend $38,835 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: 63/9/28 Blend
34$682,000$682,000$682,000$682,000
35$755,727$719,581$709,010$797,455
36$791,491$713,520$691,442$820,179
37$829,602$705,861$671,983$840,385
38$870,257$696,484$650,531$861,621
39$913,674$685,263$626,974$883,996
40$960,091$672,063$601,200$907,628
41$1,009,769$656,743$573,089$932,652
42$1,062,994$639,152$542,517$959,215
43$1,120,080$619,132$509,352$987,483
44$1,181,373$596,513$473,459$1,017,639
45$1,247,248$571,118$434,696$1,049,890
46$1,318,123$542,758$392,913$1,084,461
47$1,394,452$511,233$347,956$1,121,605
48$1,476,735$476,333$299,662$1,161,604
49$1,565,524$437,835$247,862$1,204,769
50$1,661,420$395,502$192,379$1,251,446
51$1,765,089$349,085$133,027$1,302,019
52$1,877,259$298,322$69,615$1,356,913
53$1,998,733$242,933$1,940$1,416,601
54$2,130,392$182,625$0$1,481,607
55$2,273,206$117,087$0$1,573,509
56$2,428,240$45,992$0$1,673,935
57$2,596,667$0$0$1,783,086
58$2,779,778$0$0$1,904,895
59$2,978,991$0$0$2,042,413
60$3,195,867$0$0$2,192,169
61$3,432,125$0$0$2,355,356
62$3,689,655$0$0$2,533,284
63$3,970,537$0$0$2,727,399
64$4,277,063$0$0$2,939,288
65$4,611,752$0$0$3,170,701
66$4,977,381$0$0$3,423,564
67$5,377,003$0$0$3,699,996
68$5,813,982$0$0$4,002,333
69$6,292,022$0$0$4,333,143
70$6,815,200$0$0$4,695,257
71$7,388,006$0$0$5,091,791
72$8,015,384$0$0$5,526,176
73$8,702,779$0$0$6,002,192
74$9,456,188$0$0$6,524,000
75$10,282,216$0$0$7,096,185
76$11,188,135$0$0$7,723,795
77$12,181,958$0$0$8,412,390
78$13,272,508$0$0$9,168,096
79$14,469,507$0$0$9,997,661
80$15,783,660$0$0$10,908,514
81$17,226,762$0$0$11,908,845
82$18,811,806$0$0$13,007,670
83$20,553,103$0$0$14,214,926
84$22,466,421$0$0$15,541,557
85$24,569,129$0$0$16,999,620
86$26,880,365$0$0$18,602,399
87$29,421,210$0$0$20,364,530
88$32,214,891$0$0$22,302,136
89$35,286,999$0$0$24,432,981
90$38,665,726$0$0$26,776,637
91$42,382,136$0$0$29,354,668
92$46,470,454$0$0$32,190,833
93$50,968,389$0$0$35,311,309
94$55,917,489$0$0$38,744,940
95$61,363,531$0$0$42,523,505
96$67,356,958$0$0$46,682,021
97$73,953,346$0$0$51,259,071
98$81,213,934$0$0$56,297,167
99$89,206,198$0$0$61,843,155
100$98,004,489$0$0$67,948,648