Can I retire at age 35 with 600,000?

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 $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%14.5%
1 years$49,547$49,106$48,676$48,255$47,845$46,956
2 years$24,528$24,072$23,629$23,200$22,783$21,891
3 years$16,190$15,731$15,289$14,864$14,455$13,587
4 years$12,021$11,564$11,127$10,709$10,309$9,472
5 years$9,521$9,066$8,635$8,225$7,837$7,034
6 years$7,855$7,403$6,978$6,578$6,201$5,432
7 years$6,665$6,217$5,799$5,408$5,043$4,309
8 years$5,773$5,329$4,918$4,537$4,184$3,484
9 years$5,079$4,640$4,236$3,864$3,523$2,858
10 years$4,525$4,090$3,693$3,331$3,002$2,370
11 years$4,072$3,641$3,251$2,899$2,582$1,982
12 years$3,694$3,268$2,885$2,543$2,237$1,670
13 years$3,375$2,953$2,578$2,245$1,951$1,414
14 years$3,102$2,685$2,316$1,993$1,710$1,204
15 years$2,865$2,452$2,091$1,777$1,506$1,028
16 years$2,658$2,250$1,896$1,591$1,331$881
17 years$2,476$2,072$1,725$1,430$1,180$757
18 years$2,314$1,915$1,575$1,289$1,049$652
19 years$2,169$1,775$1,442$1,164$935$563
20 years$2,039$1,649$1,323$1,054$835$486
21 years$1,922$1,536$1,217$957$748$421
22 years$1,815$1,434$1,122$870$670$365
23 years$1,718$1,341$1,036$792$601$316
24 years$1,629$1,256$958$723$541$275
25 years$1,547$1,179$887$660$486$239
26 years$1,472$1,108$823$604$438$208
27 years$1,402$1,043$764$552$395$181
28 years$1,337$983$710$506$356$157
29 years$1,277$927$661$464$322$137
30 years$1,221$876$616$426$291$119
31 years$1,169$828$574$391$263$104
32 years$1,120$783$536$360$238$91
33 years$1,075$742$500$331$215$79
34 years$1,032$703$467$304$195$69
35 years$991$667$437$280$177$60
36 years$953$633$409$258$160$52
37 years$917$601$382$238$145$46
38 years$883$571$358$219$131$40
39 years$851$543$336$202$119$35
40 years$820$517$315$186$108$30
41 years$791$492$295$172$98$27
42 years$764$468$277$159$89$23
43 years$738$446$260$146$81$20
44 years$713$425$244$135$73$18
45 years$689$406$229$125$67$15
46 years$667$387$215$115$60$13
47 years$645$369$202$107$55$12
48 years$624$353$190$98$50$10
49 years$605$337$178$91$45$9
50 years$586$322$168$84$41$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $600,000, adding $6,533 every year, while hoping to spend $29,570 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: 65/30/5 Blend
34$600,000$600,000$600,000$600,000
35$667,939$636,139$626,839$710,472
36$704,606$635,847$616,376$739,263
37$744,023$634,551$604,571$766,561
38$786,438$632,168$591,348$795,594
39$832,124$628,614$576,629$826,527
40$881,383$623,798$560,328$859,544
41$934,544$617,625$542,359$894,845
42$991,971$609,991$522,631$932,653
43$1,054,061$600,790$501,048$973,216
44$1,121,253$589,907$477,511$1,016,806
45$1,194,029$577,220$451,916$1,063,725
46$1,272,917$562,601$424,152$1,114,306
47$1,358,501$545,915$394,108$1,168,918
48$1,451,420$527,017$361,662$1,227,967
49$1,552,379$505,755$326,692$1,291,905
50$1,662,153$481,968$289,068$1,361,228
51$1,781,593$455,485$248,652$1,436,488
52$1,911,639$426,127$205,305$1,518,291
53$2,053,321$393,702$158,878$1,607,309
54$2,207,776$358,010$109,217$1,704,285
55$2,376,253$318,836$56,159$1,810,039
56$2,560,129$275,957$0$1,925,477
57$2,760,916$229,133$0$2,051,623
58$2,980,284$178,115$0$2,192,760
59$3,220,066$122,635$0$2,347,117
60$3,482,283$62,415$0$2,516,054
61$3,769,160$0$0$2,701,073
62$4,083,147$0$0$2,904,766
63$4,426,940$0$0$3,150,396
64$4,803,511$0$0$3,419,484
65$5,216,131$0$0$3,714,373
66$5,668,401$0$0$4,037,643
67$6,164,290$0$0$4,392,136
68$6,708,167$0$0$4,780,980
69$7,304,847$0$0$5,207,623
70$7,959,630$0$0$5,675,861
71$8,678,355$0$0$6,189,877
72$9,467,457$0$0$6,754,278
73$10,334,020$0$0$7,374,139
74$11,285,850$0$0$8,055,049
75$12,331,546$0$0$8,803,167
76$13,480,581$0$0$9,625,279
77$14,743,391$0$0$10,528,857
78$16,131,473$0$0$11,522,138
79$17,657,494$0$0$12,614,192
80$19,335,408$0$0$13,815,015
81$21,180,590$0$0$15,135,618
82$23,209,979$0$0$16,588,134
83$25,442,238$0$0$18,185,930
84$27,897,930$0$0$19,943,735
85$30,599,711$0$0$21,877,775
86$33,572,544$0$0$24,005,930
87$36,843,933$0$0$26,347,900
88$40,444,184$0$0$28,925,393
89$44,406,689$0$0$31,762,325
90$48,768,242$0$0$34,885,050
91$53,569,382$0$0$38,322,606
92$58,854,783$0$0$42,106,991
93$64,673,667$0$0$46,273,460
94$71,080,270$0$0$50,860,863
95$78,134,359$0$0$55,912,008
96$85,901,788$0$0$61,474,065
97$94,455,123$0$0$67,599,012
98$103,874,326$0$0$74,344,122
99$114,247,508$0$0$81,772,509
100$125,671,762$0$0$89,953,718