Can I retire at age 35 with 699,000?

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 $699,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$57,723$57,209$56,707$56,217$55,739$53,740
2 years$28,576$28,043$27,528$27,028$26,542$24,550
3 years$18,861$18,327$17,812$17,317$16,840$14,917
4 years$14,005$13,472$12,963$12,476$12,010$10,171
5 years$11,092$10,562$10,060$9,583$9,130$7,380
6 years$9,151$8,625$8,130$7,663$7,224$5,564
7 years$7,764$7,243$6,756$6,300$5,875$4,305
8 years$6,725$6,209$5,729$5,285$4,874$3,392
9 years$5,917$5,406$4,935$4,502$4,105$2,709
10 years$5,272$4,765$4,302$3,881$3,497$2,186
11 years$4,744$4,242$3,788$3,377$3,008$1,777
12 years$4,304$3,807$3,361$2,962$2,607$1,454
13 years$3,932$3,441$3,003$2,615$2,273$1,196
14 years$3,614$3,128$2,698$2,322$1,992$987
15 years$3,338$2,857$2,436$2,070$1,754$818
16 years$3,097$2,621$2,209$1,854$1,550$679
17 years$2,884$2,414$2,010$1,666$1,375$565
18 years$2,696$2,231$1,835$1,501$1,222$471
19 years$2,527$2,067$1,680$1,356$1,090$393
20 years$2,376$1,921$1,542$1,228$973$329
21 years$2,239$1,789$1,418$1,115$871$275
22 years$2,114$1,670$1,307$1,014$781$230
23 years$2,001$1,562$1,207$923$701$193
24 years$1,897$1,464$1,116$842$630$162
25 years$1,802$1,374$1,034$769$567$136
26 years$1,714$1,291$959$703$511$114
27 years$1,633$1,215$890$644$460$96
28 years$1,558$1,145$827$590$415$80
29 years$1,488$1,080$770$541$375$68
30 years$1,423$1,020$717$496$339$57
31 years$1,362$964$669$456$306$48
32 years$1,305$912$624$419$277$40
33 years$1,252$864$583$385$251$34
34 years$1,202$819$544$354$227$28
35 years$1,155$777$509$326$206$24
36 years$1,110$737$476$300$186$20
37 years$1,068$700$446$277$169$17
38 years$1,029$665$417$255$153$14
39 years$991$633$391$235$139$12
40 years$956$602$366$217$126$10
41 years$922$573$344$200$114$8
42 years$890$546$322$185$104$7
43 years$859$520$302$171$94$6
44 years$831$496$284$157$85$5
45 years$803$473$267$145$78$4
46 years$777$451$250$134$70$4
47 years$751$430$235$124$64$3
48 years$727$411$221$115$58$3
49 years$704$392$208$106$53$2
50 years$682$375$195$98$48$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $699,000, adding $4,614 every year, while hoping to spend $45,701 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: 32/44/24 Blend
34$699,000$699,000$699,000$699,000
35$775,057$738,010$727,176$794,025
36$805,488$725,547$702,911$796,307
37$837,490$710,942$676,301$794,346
38$871,177$694,041$647,220$791,310
39$906,670$674,682$615,535$787,133
40$944,103$652,694$581,107$781,750
41$983,619$627,894$543,793$775,090
42$1,025,378$600,090$503,439$767,085
43$1,069,551$569,079$459,889$757,661
44$1,116,326$534,645$412,976$746,745
45$1,165,910$496,561$362,529$734,262
46$1,218,526$454,586$308,367$720,134
47$1,274,420$408,465$250,303$704,285
48$1,333,862$357,930$188,138$686,636
49$1,397,144$302,697$121,669$667,110
50$1,464,588$242,465$50,680$645,627
51$1,536,547$176,917$0$622,111
52$1,613,407$105,718$0$602,908
53$1,695,591$28,514$0$595,787
54$1,783,562$0$0$587,750
55$1,877,830$0$0$605,453
56$1,978,952$0$0$639,326
57$2,087,540$0$0$675,774
58$2,204,267$0$0$715,035
59$2,329,869$0$0$757,365
60$2,465,157$0$0$803,050
61$2,611,020$0$0$852,400
62$2,768,434$0$0$905,757
63$2,938,475$0$0$963,500
64$3,122,321$0$0$1,026,040
65$3,321,269$0$0$1,093,834
66$3,536,745$0$0$1,167,382
67$3,770,315$0$0$1,247,234
68$4,023,704$0$0$1,333,996
69$4,298,806$0$0$1,428,333
70$4,597,705$0$0$1,530,977
71$4,922,696$0$0$1,642,736
72$5,276,301$0$0$1,764,495
73$5,661,295$0$0$1,897,231
74$6,080,734$0$0$2,042,018
75$6,537,977$0$0$2,200,038
76$7,036,726$0$0$2,372,593
77$7,581,050$0$0$2,561,115
78$8,175,433$0$0$2,767,182
79$8,824,808$0$0$2,992,530
80$9,534,607$0$0$3,239,071
81$10,310,811$0$0$3,508,910
82$11,160,002$0$0$3,804,366
83$12,089,432$0$0$4,127,990
84$13,107,084$0$0$4,482,595
85$14,221,749$0$0$4,871,277
86$15,443,109$0$0$5,297,445
87$16,781,825$0$0$5,764,855
88$18,249,642$0$0$6,277,644
89$19,859,492$0$0$6,840,367
90$21,625,622$0$0$7,458,044
91$23,563,720$0$0$8,136,203
92$25,691,072$0$0$8,880,933
93$28,026,716$0$0$9,698,943
94$30,591,622$0$0$10,597,623
95$33,408,893$0$0$11,585,114
96$36,503,979$0$0$12,670,385
97$39,904,916$0$0$13,863,316
98$43,642,592$0$0$15,174,795
99$47,751,032$0$0$16,616,812
100$52,267,725$0$0$18,202,582