Can I retire at age 35 with 610,000?

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 $610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$50,373$49,925$49,487$49,059$48,642$47,797
2 years$24,937$24,473$24,023$23,586$23,163$22,314
3 years$16,460$15,993$15,544$15,112$14,696$13,870
4 years$12,222$11,757$11,312$10,887$10,481$9,684
5 years$9,680$9,217$8,779$8,363$7,967$7,202
6 years$7,985$7,527$7,095$6,688$6,304$5,572
7 years$6,776$6,321$5,896$5,498$5,127$4,427
8 years$5,869$5,418$5,000$4,612$4,253$3,586
9 years$5,164$4,718$4,306$3,929$3,582$2,946
10 years$4,600$4,158$3,754$3,387$3,052$2,448
11 years$4,140$3,702$3,305$2,947$2,625$2,051
12 years$3,756$3,323$2,933$2,585$2,275$1,731
13 years$3,431$3,003$2,621$2,282$1,984$1,469
14 years$3,153$2,729$2,355$2,026$1,739$1,253
15 years$2,913$2,493$2,126$1,807$1,531$1,073
16 years$2,703$2,288$1,928$1,618$1,353$921
17 years$2,517$2,107$1,754$1,454$1,200$793
18 years$2,353$1,947$1,601$1,310$1,067$685
19 years$2,205$1,804$1,466$1,184$951$592
20 years$2,073$1,677$1,345$1,072$849$513
21 years$1,954$1,562$1,237$973$760$445
22 years$1,845$1,458$1,140$885$681$386
23 years$1,746$1,363$1,053$806$612$336
24 years$1,656$1,277$974$735$550$292
25 years$1,573$1,199$902$671$495$255
26 years$1,496$1,127$837$614$446$222
27 years$1,425$1,060$777$562$402$194
28 years$1,360$999$722$515$362$169
29 years$1,299$943$672$472$327$147
30 years$1,242$890$626$433$296$129
31 years$1,189$841$584$398$267$113
32 years$1,139$796$544$366$242$98
33 years$1,092$754$508$336$219$86
34 years$1,049$715$475$309$198$75
35 years$1,008$678$444$285$179$66
36 years$969$643$415$262$163$57
37 years$932$611$389$242$147$50
38 years$898$581$364$223$134$44
39 years$865$552$341$205$121$38
40 years$834$525$320$189$110$34
41 years$805$500$300$175$100$29
42 years$777$476$281$161$90$26
43 years$750$454$264$149$82$23
44 years$725$433$248$137$75$20
45 years$701$412$233$127$68$17
46 years$678$394$218$117$61$15
47 years$656$376$205$108$56$13
48 years$635$358$193$100$51$12
49 years$615$342$181$93$46$10
50 years$596$327$170$86$42$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $610,000, adding $2,297 every year, while hoping to spend $24,778 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: 66/15/19 Blend
34$610,000$610,000$610,000$610,000
35$674,589$642,259$632,804$715,770
36$717,034$647,366$627,640$748,759
37$762,977$651,893$621,472$781,743
38$812,750$655,785$614,240$817,206
39$866,717$658,985$605,883$855,390
40$925,276$661,429$596,334$896,565
41$988,868$663,053$585,526$941,027
42$1,057,977$663,788$573,385$989,101
43$1,133,135$663,557$559,838$1,041,149
44$1,214,927$662,284$544,805$1,097,570
45$1,303,998$659,884$528,204$1,158,801
46$1,401,056$656,268$509,949$1,225,329
47$1,506,881$651,343$489,950$1,297,687
48$1,622,333$645,008$468,113$1,376,468
49$1,748,355$637,159$444,339$1,462,321
50$1,885,989$627,681$418,526$1,555,965
51$2,036,380$616,458$390,567$1,658,195
52$2,200,788$603,362$360,348$1,769,885
53$2,380,602$588,260$327,754$1,892,001
54$2,577,350$571,011$292,660$2,025,609
55$2,792,715$551,466$254,939$2,171,883
56$3,028,551$529,466$214,458$2,332,121
57$3,286,897$504,844$171,076$2,507,754
58$3,570,001$477,422$124,649$2,700,359
59$3,880,340$447,014$75,022$2,911,678
60$4,220,638$413,421$22,039$3,143,631
61$4,593,898$376,434$0$3,398,336
62$5,003,428$335,832$0$3,685,126
63$5,452,869$291,379$0$4,004,805
64$5,946,235$242,830$0$4,355,780
65$6,487,946$189,923$0$4,741,223
66$7,082,869$132,383$0$5,164,634
67$7,736,369$69,917$0$5,629,865
68$8,454,354$2,218$0$6,141,167
69$9,243,334$0$0$6,703,222
70$10,110,477$0$0$7,332,917
71$11,063,686$0$0$8,025,555
72$12,111,664$0$0$8,787,099
73$13,263,998$0$0$9,624,524
74$14,531,255$0$0$10,545,511
75$15,925,073$0$0$11,558,527
76$17,458,276$0$0$12,672,898
77$19,144,996$0$0$13,898,899
78$21,000,798$0$0$15,247,854
79$23,042,838$0$0$16,732,237
80$25,290,014$0$0$18,365,794
81$27,763,152$0$0$20,163,671
82$30,485,197$0$0$22,142,554
83$33,481,431$0$0$24,320,832
84$36,779,715$0$0$26,718,767
85$40,410,743$0$0$29,358,683
86$44,408,340$0$0$32,265,180
87$48,809,776$0$0$35,465,365
88$53,656,121$0$0$38,989,107
89$58,992,626$0$0$42,869,318
90$64,869,158$0$0$47,142,266
91$71,340,664$0$0$51,847,913
92$78,467,691$0$0$57,030,295
93$86,316,959$0$0$62,737,939
94$94,961,987$0$0$69,024,314
95$104,483,790$0$0$75,948,343
96$114,971,641$0$0$83,574,956
97$126,523,913$0$0$91,975,699
98$139,249,011$0$0$101,229,415
99$153,266,387$0$0$111,422,984
100$168,707,676$0$0$122,652,144