Can I retire at age 35 with 604,000?

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 $604,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$49,878$49,433$49,000$48,577$48,164$47,601
2 years$24,692$24,232$23,786$23,354$22,935$22,369
3 years$16,298$15,836$15,391$14,963$14,551$13,999
4 years$12,102$11,641$11,201$10,780$10,378$9,844
5 years$9,584$9,127$8,692$8,280$7,889$7,375
6 years$7,907$7,453$7,025$6,622$6,242$5,748
7 years$6,709$6,259$5,838$5,444$5,077$4,603
8 years$5,811$5,365$4,951$4,567$4,212$3,759
9 years$5,113$4,671$4,264$3,890$3,547$3,114
10 years$4,555$4,117$3,718$3,353$3,022$2,609
11 years$4,099$3,665$3,273$2,918$2,599$2,206
12 years$3,719$3,290$2,905$2,560$2,252$1,879
13 years$3,398$2,973$2,595$2,260$1,964$1,609
14 years$3,122$2,702$2,332$2,006$1,722$1,385
15 years$2,884$2,469$2,105$1,789$1,516$1,197
16 years$2,676$2,265$1,909$1,602$1,340$1,038
17 years$2,492$2,086$1,737$1,439$1,188$903
18 years$2,329$1,928$1,585$1,297$1,056$787
19 years$2,184$1,786$1,451$1,172$941$688
20 years$2,053$1,660$1,332$1,062$841$602
21 years$1,934$1,546$1,225$963$753$528
22 years$1,827$1,443$1,129$876$675$463
23 years$1,729$1,350$1,043$798$606$407
24 years$1,640$1,265$964$728$544$358
25 years$1,557$1,187$893$664$490$316
26 years$1,481$1,116$828$608$441$278
27 years$1,411$1,050$769$556$398$245
28 years$1,346$989$715$510$359$216
29 years$1,286$933$665$467$324$191
30 years$1,229$881$620$429$293$169
31 years$1,177$833$578$394$265$149
32 years$1,128$788$539$362$239$132
33 years$1,082$747$503$333$217$117
34 years$1,038$708$470$306$196$103
35 years$998$671$440$282$178$91
36 years$959$637$411$260$161$81
37 years$923$605$385$239$146$72
38 years$889$575$361$220$132$63
39 years$856$547$338$203$120$56
40 years$826$520$317$188$109$50
41 years$797$495$297$173$99$44
42 years$769$472$278$160$90$39
43 years$743$449$261$147$81$35
44 years$718$428$245$136$74$31
45 years$694$408$230$126$67$27
46 years$671$390$216$116$61$24
47 years$649$372$203$107$55$21
48 years$629$355$191$99$50$19
49 years$609$339$180$92$46$17
50 years$590$324$169$85$41$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $604,000, adding $3,726 every year, while hoping to spend $35,214 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: 62/16/22 Blend
34$604,000$604,000$604,000$604,000
35$669,451$637,439$628,077$706,888
36$700,268$631,206$611,651$726,403
37$733,048$623,488$593,493$743,468
38$767,953$614,174$573,510$761,306
39$805,164$603,148$551,602$779,996
40$844,875$590,286$527,665$799,628
41$887,300$575,457$501,589$820,302
42$932,674$558,524$473,262$842,129
43$981,254$539,340$442,564$865,233
44$1,033,324$517,749$409,372$889,753
45$1,089,192$493,588$373,555$915,844
46$1,149,198$466,683$334,978$943,678
47$1,213,716$436,850$293,499$973,447
48$1,283,154$403,895$248,970$1,005,365
49$1,357,963$367,612$201,238$1,039,669
50$1,438,636$327,786$150,140$1,076,624
51$1,525,716$284,186$95,508$1,116,524
52$1,619,798$236,571$37,167$1,159,696
53$1,721,539$184,684$0$1,206,502
54$1,831,657$128,255$0$1,263,236
55$1,950,945$66,998$0$1,334,150
56$2,080,272$612$0$1,411,053
57$2,220,596$0$0$1,494,545
58$2,372,970$0$0$1,597,828
59$2,538,551$0$0$1,710,219
60$2,718,613$0$0$1,832,482
61$2,914,556$0$0$1,965,571
62$3,127,923$0$0$2,110,540
63$3,360,410$0$0$2,268,547
64$3,613,884$0$0$2,440,867
65$3,890,400$0$0$2,628,903
66$4,192,219$0$0$2,834,199
67$4,521,831$0$0$3,058,455
68$4,881,977$0$0$3,303,543
69$5,275,674$0$0$3,571,524
70$5,706,243$0$0$3,864,666
71$6,177,343$0$0$4,185,467
72$6,693,000$0$0$4,536,678
73$7,257,650$0$0$4,921,327
74$7,876,175$0$0$5,342,751
75$8,553,956$0$0$5,804,623
76$9,296,913$0$0$6,310,988
77$10,111,572$0$0$6,866,303
78$11,005,117$0$0$7,475,475
79$11,985,461$0$0$8,143,910
80$13,061,322$0$0$8,877,563
81$14,242,301$0$0$9,682,992
82$15,538,975$0$0$10,567,422
83$16,962,994$0$0$11,538,812
84$18,527,194$0$0$12,605,929
85$20,245,711$0$0$13,778,433
86$22,134,123$0$0$15,066,962
87$24,209,588$0$0$16,483,241
88$26,491,011$0$0$18,040,182
89$28,999,219$0$0$19,752,014
90$31,757,157$0$0$21,634,413
91$34,790,104$0$0$23,704,649
92$38,125,915$0$0$25,981,750
93$41,795,276$0$0$28,486,681
94$45,831,998$0$0$31,242,541
95$50,273,334$0$0$34,274,780
96$55,160,330$0$0$37,611,441
97$60,538,212$0$0$41,283,422
98$66,456,811$0$0$45,324,766
99$72,971,033$0$0$49,772,986
100$80,141,379$0$0$54,669,415