Can I retire at age 35 with 600,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$49,547$49,106$48,676$48,255$47,845$46,860
2 years$24,528$24,072$23,629$23,200$22,783$21,795
3 years$16,190$15,731$15,289$14,864$14,455$13,495
4 years$12,021$11,564$11,127$10,709$10,309$9,384
5 years$9,521$9,066$8,635$8,225$7,837$6,950
6 years$7,855$7,403$6,978$6,578$6,201$5,353
7 years$6,665$6,217$5,799$5,408$5,043$4,234
8 years$5,773$5,329$4,918$4,537$4,184$3,414
9 years$5,079$4,640$4,236$3,864$3,523$2,792
10 years$4,525$4,090$3,693$3,331$3,002$2,308
11 years$4,072$3,641$3,251$2,899$2,582$1,924
12 years$3,694$3,268$2,885$2,543$2,237$1,616
13 years$3,375$2,953$2,578$2,245$1,951$1,364
14 years$3,102$2,685$2,316$1,993$1,710$1,157
15 years$2,865$2,452$2,091$1,777$1,506$985
16 years$2,658$2,250$1,896$1,591$1,331$841
17 years$2,476$2,072$1,725$1,430$1,180$720
18 years$2,314$1,915$1,575$1,289$1,049$618
19 years$2,169$1,775$1,442$1,164$935$531
20 years$2,039$1,649$1,323$1,054$835$457
21 years$1,922$1,536$1,217$957$748$394
22 years$1,815$1,434$1,122$870$670$340
23 years$1,718$1,341$1,036$792$601$294
24 years$1,629$1,256$958$723$541$254
25 years$1,547$1,179$887$660$486$220
26 years$1,472$1,108$823$604$438$191
27 years$1,402$1,043$764$552$395$165
28 years$1,337$983$710$506$356$143
29 years$1,277$927$661$464$322$124
30 years$1,221$876$616$426$291$108
31 years$1,169$828$574$391$263$94
32 years$1,120$783$536$360$238$81
33 years$1,075$742$500$331$215$71
34 years$1,032$703$467$304$195$61
35 years$991$667$437$280$177$53
36 years$953$633$409$258$160$46
37 years$917$601$382$238$145$40
38 years$883$571$358$219$131$35
39 years$851$543$336$202$119$30
40 years$820$517$315$186$108$26
41 years$791$492$295$172$98$23
42 years$764$468$277$159$89$20
43 years$738$446$260$146$81$17
44 years$713$425$244$135$73$15
45 years$689$406$229$125$67$13
46 years$667$387$215$115$60$11
47 years$645$369$202$107$55$10
48 years$624$353$190$98$50$9
49 years$605$337$178$91$45$7
50 years$586$322$168$84$41$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $600,000, adding $3,256 every year, while hoping to spend $20,449 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: 45/29/26 Blend
34$600,000$600,000$600,000$600,000
35$664,559$632,759$623,459$689,344
36$710,586$642,006$622,587$716,477
37$760,623$651,022$621,001$743,654
38$815,056$659,772$618,654$772,727
39$874,313$668,221$615,500$803,886
40$938,862$676,333$611,488$837,337
41$1,009,218$684,066$606,566$873,310
42$1,085,951$691,378$600,678$912,059
43$1,169,685$698,222$593,768$953,865
44$1,261,108$704,550$585,774$999,037
45$1,360,978$710,310$576,635$1,047,920
46$1,470,129$715,447$566,283$1,100,891
47$1,589,479$719,900$554,650$1,158,369
48$1,720,038$723,608$541,663$1,220,818
49$1,862,920$726,502$527,247$1,288,749
50$2,019,350$728,513$511,322$1,362,726
51$2,190,678$729,565$493,806$1,443,373
52$2,378,390$729,576$474,611$1,531,380
53$2,584,124$728,463$453,648$1,627,509
54$2,809,680$726,134$430,821$1,732,600
55$3,057,046$722,493$406,032$1,847,583
56$3,328,408$717,438$379,177$1,973,482
57$3,626,174$710,861$350,148$2,111,431
58$3,952,997$702,647$318,832$2,262,679
59$4,311,801$692,674$285,110$2,428,608
60$4,705,804$680,815$248,861$2,610,742
61$5,138,552$666,931$209,954$2,810,763
62$5,613,953$650,879$168,256$3,030,529
63$6,136,310$632,506$123,626$3,272,090
64$6,710,363$611,648$75,918$3,537,707
65$7,341,337$588,136$24,978$3,829,878
66$8,034,986$561,786$0$4,151,359
67$8,797,648$532,408$0$4,513,343
68$9,636,310$499,798$0$4,918,956
69$10,558,666$463,740$0$5,365,014
70$11,573,196$424,009$0$5,855,651
71$12,689,240$380,364$0$6,395,427
72$13,917,091$332,550$0$6,989,368
73$15,268,090$280,301$0$7,643,015
74$16,754,731$223,332$0$8,362,478
75$18,390,783$161,345$0$9,154,494
76$20,191,415$94,022$0$10,026,488
77$22,173,341$21,032$0$10,986,647
78$24,354,980$0$0$12,043,997
79$26,756,625$0$0$13,226,990
80$29,400,636$0$0$14,536,844
81$32,311,655$0$0$15,979,066
82$35,516,829$0$0$17,567,117
83$39,046,078$0$0$19,315,832
84$42,932,365$0$0$21,241,558
85$47,212,017$0$0$23,362,306
86$51,925,060$0$0$25,697,926
87$57,115,603$0$0$28,270,287
88$62,832,247$0$0$31,103,491
89$69,128,552$0$0$34,224,095
90$76,063,533$0$0$37,661,364
91$83,702,224$0$0$41,447,547
92$92,116,288$0$0$45,618,179
93$101,384,694$0$0$50,212,420
94$111,594,463$0$0$55,273,420
95$122,841,487$0$0$60,848,732
96$135,231,436$0$0$66,990,754
97$148,880,754$0$0$73,757,230
98$163,917,756$0$0$81,211,788
99$180,483,845$0$0$89,424,548
100$198,734,838$0$0$98,472,778