Can I retire at age 35 with 683,000?

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 $683,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$56,402$55,899$55,409$54,931$54,463$52,594
2 years$27,922$27,402$26,898$26,409$25,935$24,070
3 years$18,429$17,907$17,404$16,920$16,454$14,653
4 years$13,684$13,164$12,666$12,190$11,735$10,012
5 years$10,838$10,320$9,829$9,363$8,921$7,279
6 years$8,941$8,427$7,944$7,488$7,059$5,500
7 years$7,587$7,077$6,601$6,156$5,741$4,265
8 years$6,571$6,067$5,598$5,164$4,762$3,369
9 years$5,782$5,282$4,822$4,399$4,011$2,697
10 years$5,151$4,656$4,204$3,792$3,417$2,182
11 years$4,635$4,145$3,701$3,300$2,939$1,779
12 years$4,205$3,720$3,284$2,895$2,547$1,459
13 years$3,842$3,362$2,934$2,555$2,221$1,203
14 years$3,531$3,056$2,637$2,268$1,947$996
15 years$3,261$2,792$2,381$2,023$1,714$828
16 years$3,026$2,561$2,158$1,811$1,515$689
17 years$2,818$2,359$1,964$1,628$1,343$575
18 years$2,634$2,180$1,793$1,467$1,194$481
19 years$2,469$2,020$1,641$1,325$1,065$403
20 years$2,321$1,877$1,506$1,200$951$338
21 years$2,188$1,749$1,385$1,089$851$283
22 years$2,066$1,632$1,277$991$763$238
23 years$1,955$1,527$1,179$902$685$200
24 years$1,854$1,430$1,090$823$615$168
25 years$1,761$1,342$1,010$751$554$142
26 years$1,675$1,261$937$687$499$119
27 years$1,596$1,187$870$629$450$101
28 years$1,522$1,119$809$576$406$85
29 years$1,454$1,055$752$528$366$71
30 years$1,390$997$701$485$331$60
31 years$1,331$942$653$445$299$51
32 years$1,275$892$610$409$271$43
33 years$1,223$844$569$376$245$36
34 years$1,174$800$532$346$222$30
35 years$1,128$759$497$319$201$26
36 years$1,085$720$465$294$182$22
37 years$1,044$684$435$271$165$18
38 years$1,005$650$408$249$150$15
39 years$968$618$382$230$136$13
40 years$934$588$358$212$123$11
41 years$901$560$336$196$112$9
42 years$870$533$315$181$101$8
43 years$840$508$296$167$92$7
44 years$812$484$277$154$83$6
45 years$785$462$260$142$76$5
46 years$759$441$245$131$69$4
47 years$734$420$230$121$62$3
48 years$711$401$216$112$57$3
49 years$688$383$203$104$52$2
50 years$667$366$191$96$47$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $683,000, adding $6,309 every year, while hoping to spend $34,362 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: 31/42/27 Blend
34$683,000$683,000$683,000$683,000
35$759,174$722,975$712,388$776,267
36$800,049$721,840$699,692$788,825
37$843,941$719,497$685,419$798,876
38$891,122$715,852$669,480$809,013
39$941,891$710,803$651,782$819,268
40$996,574$704,242$632,227$829,679
41$1,055,531$696,057$610,713$840,290
42$1,119,157$686,125$587,133$851,153
43$1,187,885$674,319$561,377$862,328
44$1,262,193$660,504$533,326$873,887
45$1,342,604$644,537$502,860$885,911
46$1,429,694$626,264$469,851$898,494
47$1,524,097$605,525$434,165$911,746
48$1,626,510$582,151$395,665$925,789
49$1,737,698$555,960$354,203$940,767
50$1,858,503$526,762$309,629$956,840
51$1,989,853$494,355$261,784$974,191
52$2,132,766$458,527$210,502$993,031
53$2,288,365$419,052$155,610$1,013,593
54$2,457,884$375,691$96,929$1,036,145
55$2,642,681$328,193$34,269$1,060,987
56$2,844,251$276,291$0$1,088,457
57$3,064,240$219,704$0$1,128,330
58$3,304,459$158,136$0$1,182,787
59$3,566,901$91,273$0$1,242,487
60$3,853,763$18,783$0$1,308,035
61$4,167,460$0$0$1,380,102
62$4,510,653$0$0$1,487,016
63$4,886,273$0$0$1,613,637
64$5,297,546$0$0$1,752,385
65$5,748,023$0$0$1,904,470
66$6,241,619$0$0$2,071,228
67$6,782,641$0$0$2,254,129
68$7,375,835$0$0$2,454,793
69$8,026,427$0$0$2,675,003
70$8,740,176$0$0$2,916,724
71$9,523,421$0$0$3,182,119
72$10,383,147$0$0$3,473,574
73$11,327,047$0$0$3,793,713
74$12,363,598$0$0$4,145,431
75$13,502,134$0$0$4,531,914
76$14,752,940$0$0$4,956,673
77$16,127,346$0$0$5,423,576
78$17,637,835$0$0$5,936,885
79$19,298,156$0$0$6,501,294
80$21,123,461$0$0$7,121,977
81$23,130,438$0$0$7,804,633
82$25,337,477$0$0$8,555,540
83$27,764,838$0$0$9,381,618
84$30,434,842$0$0$10,290,487
85$33,372,083$0$0$11,290,548
86$36,603,659$0$0$12,391,053
87$40,159,426$0$0$13,602,199
88$44,072,280$0$0$14,935,220
89$48,378,468$0$0$16,402,497
90$53,117,927$0$0$18,017,667
91$58,334,665$0$0$19,795,762
92$64,077,169$0$0$21,753,342
93$70,398,868$0$0$23,908,654
94$77,358,634$0$0$26,281,808
95$85,021,337$0$0$28,894,959
96$93,458,457$0$0$31,772,522
97$102,748,760$0$0$34,941,401
98$112,979,036$0$0$38,431,239
99$124,244,922$0$0$42,274,704
100$136,651,802$0$0$46,507,793