Can I retire at age 35 with 684,000?

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 $684,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$56,484$55,981$55,490$55,011$54,543$52,420
2 years$27,962$27,442$26,937$26,448$25,973$23,860
3 years$18,456$17,933$17,430$16,945$16,478$14,442
4 years$13,704$13,183$12,685$12,208$11,752$9,808
5 years$10,854$10,336$9,844$9,377$8,934$7,086
6 years$8,954$8,440$7,955$7,499$7,069$5,319
7 years$7,598$7,088$6,611$6,165$5,749$4,096
8 years$6,581$6,075$5,606$5,172$4,769$3,213
9 years$5,790$5,290$4,829$4,405$4,017$2,553
10 years$5,158$4,663$4,210$3,797$3,422$2,050
11 years$4,642$4,151$3,706$3,305$2,943$1,658
12 years$4,211$3,726$3,289$2,899$2,551$1,350
13 years$3,848$3,367$2,939$2,559$2,224$1,104
14 years$3,536$3,060$2,640$2,272$1,950$906
15 years$3,266$2,796$2,384$2,026$1,717$746
16 years$3,030$2,565$2,161$1,814$1,517$616
17 years$2,823$2,362$1,967$1,630$1,345$510
18 years$2,638$2,183$1,795$1,469$1,196$422
19 years$2,473$2,023$1,644$1,327$1,066$350
20 years$2,325$1,880$1,508$1,202$952$291
21 years$2,191$1,751$1,388$1,091$852$242
22 years$2,069$1,635$1,279$992$764$202
23 years$1,958$1,529$1,181$903$686$168
24 years$1,857$1,432$1,092$824$616$140
25 years$1,763$1,344$1,011$752$555$117
26 years$1,678$1,263$938$688$500$97
27 years$1,598$1,189$871$630$450$81
28 years$1,524$1,120$810$577$406$68
29 years$1,456$1,057$754$529$367$56
30 years$1,392$998$702$486$332$47
31 years$1,333$944$654$446$300$39
32 years$1,277$893$611$410$271$33
33 years$1,225$846$570$377$245$27
34 years$1,176$801$533$347$222$23
35 years$1,130$760$498$319$201$19
36 years$1,086$721$466$294$182$16
37 years$1,045$685$436$271$165$13
38 years$1,007$651$408$250$150$11
39 years$970$619$383$230$136$9
40 years$935$589$359$212$123$8
41 years$902$561$336$196$112$6
42 years$871$534$315$181$101$5
43 years$841$509$296$167$92$5
44 years$813$485$278$154$84$4
45 years$786$463$261$142$76$3
46 years$760$441$245$131$69$3
47 years$735$421$230$121$63$2
48 years$712$402$216$112$57$2
49 years$689$384$203$104$52$2
50 years$668$367$191$96$47$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $684,000, adding $2,680 every year, while hoping to spend $36,142 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: 84/9/7 Blend
34$684,000$684,000$684,000$684,000
35$756,532$720,280$709,678$819,395
36$795,244$717,119$694,998$857,679
37$836,693$712,592$678,614$894,546
38$881,120$706,593$660,432$933,905
39$928,789$699,012$640,352$975,983
40$979,992$689,730$618,270$1,021,029
41$1,035,046$678,621$594,077$1,069,319
42$1,094,301$665,554$567,659$1,121,156
43$1,158,141$650,387$538,896$1,176,874
44$1,226,987$632,973$507,666$1,236,839
45$1,301,304$613,152$473,836$1,301,457
46$1,381,599$590,759$437,272$1,371,174
47$1,468,433$565,616$397,831$1,446,480
48$1,562,420$537,538$355,365$1,527,916
49$1,664,236$506,327$309,719$1,616,079
50$1,774,625$471,774$260,731$1,711,625
51$1,894,403$433,657$208,232$1,815,277
52$2,024,469$391,744$152,046$1,927,834
53$2,165,813$345,787$91,987$2,050,173
54$2,319,522$295,527$27,865$2,183,264
55$2,486,792$240,686$0$2,328,173
56$2,668,940$180,975$0$2,489,107
57$2,867,415$116,086$0$2,666,750
58$3,083,811$45,693$0$2,860,464
59$3,319,882$0$0$3,071,841
60$3,577,561$0$0$3,305,661
61$3,858,973$0$0$3,565,969
62$4,166,459$0$0$3,850,407
63$4,502,596$0$0$4,161,360
64$4,870,220$0$0$4,501,454
65$5,272,454$0$0$4,873,580
66$5,712,740$0$0$5,280,922
67$6,194,863$0$0$5,726,985
68$6,722,994$0$0$6,215,631
69$7,301,726$0$0$6,751,109
70$7,936,119$0$0$7,338,103
71$8,631,742$0$0$7,981,769
72$9,394,733$0$0$8,687,788
73$10,231,849$0$0$9,462,414
74$11,150,534$0$0$10,312,539
75$12,158,989$0$0$11,245,753
76$13,266,247$0$0$12,270,418
77$14,482,256$0$0$13,395,742
78$15,817,978$0$0$14,631,872
79$17,285,487$0$0$15,989,985
80$18,898,086$0$0$17,482,394
81$20,670,429$0$0$19,122,663
82$22,618,659$0$0$20,925,738
83$24,760,565$0$0$22,908,082
84$27,115,740$0$0$25,087,834
85$29,705,777$0$0$27,484,980
86$32,554,460$0$0$30,121,538
87$35,687,998$0$0$33,021,766
88$39,135,265$0$0$36,212,395
89$42,928,077$0$0$39,722,874
90$47,101,488$0$0$43,585,651
91$51,694,122$0$0$47,836,480
92$56,748,535$0$0$52,514,753
93$62,311,619$0$0$57,663,877
94$68,435,041$0$0$63,331,680
95$75,175,734$0$0$69,570,860
96$82,596,427$0$0$76,439,486
97$90,766,242$0$0$84,001,542
98$99,761,346$0$0$92,327,533
99$109,665,664$0$0$101,495,146
100$120,571,676$0$0$111,589,988