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%13.8%
1 years$50,373$49,925$49,487$49,059$48,642$47,876
2 years$24,937$24,473$24,023$23,586$23,163$22,393
3 years$16,460$15,993$15,544$15,112$14,696$13,946
4 years$12,222$11,757$11,312$10,887$10,481$9,757
5 years$9,680$9,217$8,779$8,363$7,967$7,272
6 years$7,985$7,527$7,095$6,688$6,304$5,637
7 years$6,776$6,321$5,896$5,498$5,127$4,489
8 years$5,869$5,418$5,000$4,612$4,253$3,645
9 years$5,164$4,718$4,306$3,929$3,582$3,002
10 years$4,600$4,158$3,754$3,387$3,052$2,500
11 years$4,140$3,702$3,305$2,947$2,625$2,100
12 years$3,756$3,323$2,933$2,585$2,275$1,777
13 years$3,431$3,003$2,621$2,282$1,984$1,512
14 years$3,153$2,729$2,355$2,026$1,739$1,293
15 years$2,913$2,493$2,126$1,807$1,531$1,110
16 years$2,703$2,288$1,928$1,618$1,353$956
17 years$2,517$2,107$1,754$1,454$1,200$825
18 years$2,353$1,947$1,601$1,310$1,067$715
19 years$2,205$1,804$1,466$1,184$951$620
20 years$2,073$1,677$1,345$1,072$849$538
21 years$1,954$1,562$1,237$973$760$469
22 years$1,845$1,458$1,140$885$681$408
23 years$1,746$1,363$1,053$806$612$356
24 years$1,656$1,277$974$735$550$311
25 years$1,573$1,199$902$671$495$272
26 years$1,496$1,127$837$614$446$237
27 years$1,425$1,060$777$562$402$208
28 years$1,360$999$722$515$362$182
29 years$1,299$943$672$472$327$159
30 years$1,242$890$626$433$296$140
31 years$1,189$841$584$398$267$122
32 years$1,139$796$544$366$242$107
33 years$1,092$754$508$336$219$94
34 years$1,049$715$475$309$198$83
35 years$1,008$678$444$285$179$72
36 years$969$643$415$262$163$64
37 years$932$611$389$242$147$56
38 years$898$581$364$223$134$49
39 years$865$552$341$205$121$43
40 years$834$525$320$189$110$38
41 years$805$500$300$175$100$33
42 years$777$476$281$161$90$29
43 years$750$454$264$149$82$26
44 years$725$433$248$137$75$22
45 years$701$412$233$127$68$20
46 years$678$394$218$117$61$17
47 years$656$376$205$108$56$15
48 years$635$358$193$100$51$13
49 years$615$342$181$93$46$12
50 years$596$327$170$86$42$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $610,000, adding $2,614 every year, while hoping to spend $31,816 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: 38/44/18 Blend
34$610,000$610,000$610,000$610,000
35$674,916$642,586$633,131$696,823
36$709,906$640,221$620,489$710,456
37$747,398$636,674$606,357$721,961
38$787,614$631,852$590,652$733,728
39$830,798$625,660$573,286$745,798
40$877,216$617,995$554,168$758,219
41$927,162$608,746$533,202$771,046
42$980,957$597,799$510,289$784,340
43$1,038,955$585,031$485,324$798,175
44$1,101,543$570,313$458,197$812,633
45$1,169,149$553,507$428,796$827,808
46$1,242,241$534,468$396,999$843,806
47$1,321,335$513,041$362,683$860,751
48$1,406,996$489,065$325,718$878,779
49$1,499,847$462,367$285,968$898,046
50$1,600,574$432,765$243,289$918,730
51$1,709,928$400,066$197,535$941,028
52$1,828,739$364,067$148,551$965,166
53$1,957,916$324,553$96,173$991,394
54$2,098,463$281,296$40,235$1,019,998
55$2,251,483$234,056$0$1,051,294
56$2,418,188$182,578$0$1,089,378
57$2,599,914$126,596$0$1,139,401
58$2,798,132$65,825$0$1,194,112
59$3,014,457$0$0$1,254,051
60$3,250,672$0$0$1,319,832
61$3,508,736$0$0$1,426,594
62$3,790,807$0$0$1,543,369
63$4,099,261$0$0$1,671,149
64$4,436,713$0$0$1,811,028
65$4,806,045$0$0$1,964,213
66$5,210,427$0$0$2,132,028
67$5,653,353$0$0$2,315,936
68$6,138,667$0$0$2,517,545
69$6,670,608$0$0$2,738,629
70$7,253,838$0$0$2,981,137
71$7,893,498$0$0$3,247,222
72$8,595,245$0$0$3,539,251
73$9,365,314$0$0$3,859,832
74$10,210,570$0$0$4,211,839
75$11,138,577$0$0$4,598,437
76$12,157,667$0$0$5,023,113
77$13,277,017$0$0$5,489,709
78$14,506,738$0$0$6,002,457
79$15,857,967$0$0$6,566,017
80$17,342,975$0$0$7,185,527
81$18,975,280$0$0$7,866,646
82$20,769,775$0$0$8,615,606
83$22,742,868$0$0$9,439,277
84$24,912,635$0$0$10,345,226
85$27,298,993$0$0$11,341,791
86$29,923,886$0$0$12,438,158
87$32,811,490$0$0$13,644,449
88$35,988,443$0$0$14,971,815
89$39,484,097$0$0$16,432,546
90$43,330,790$0$0$18,040,180
91$47,564,154$0$0$19,809,635
92$52,223,450$0$0$21,757,350
93$57,351,938$0$0$23,901,436
94$62,997,286$0$0$26,261,851
95$69,212,016$0$0$28,860,586
96$76,054,002$0$0$31,721,873
97$83,587,015$0$0$34,872,413
98$91,881,323$0$0$38,341,627
99$101,014,357$0$0$42,161,936
100$111,071,436$0$0$46,369,065