Can I retire at age 35 with 611,000?

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 $611,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$50,456$50,006$49,568$49,140$48,722$47,448
2 years$24,978$24,513$24,062$23,625$23,201$21,926
3 years$16,487$16,019$15,570$15,137$14,720$13,484
4 years$12,242$11,776$11,331$10,905$10,498$9,311
5 years$9,696$9,233$8,793$8,376$7,981$6,845
6 years$7,999$7,539$7,106$6,699$6,315$5,232
7 years$6,787$6,331$5,905$5,507$5,136$4,106
8 years$5,879$5,427$5,008$4,620$4,260$3,283
9 years$5,172$4,725$4,314$3,935$3,588$2,662
10 years$4,608$4,165$3,761$3,392$3,057$2,182
11 years$4,146$3,708$3,311$2,952$2,629$1,803
12 years$3,762$3,328$2,938$2,589$2,278$1,500
13 years$3,437$3,008$2,625$2,286$1,987$1,255
14 years$3,159$2,734$2,359$2,029$1,742$1,054
15 years$2,918$2,497$2,130$1,810$1,533$889
16 years$2,707$2,291$1,931$1,620$1,355$751
17 years$2,521$2,110$1,757$1,456$1,202$637
18 years$2,356$1,950$1,604$1,312$1,068$541
19 years$2,209$1,807$1,468$1,186$952$460
20 years$2,077$1,679$1,347$1,074$851$392
21 years$1,957$1,564$1,239$975$761$334
22 years$1,848$1,460$1,142$886$682$286
23 years$1,749$1,366$1,055$807$613$244
24 years$1,659$1,280$975$736$551$209
25 years$1,575$1,201$903$672$495$179
26 years$1,498$1,129$838$615$446$153
27 years$1,428$1,062$778$563$402$131
28 years$1,362$1,001$723$515$363$112
29 years$1,301$944$673$473$328$96
30 years$1,244$892$627$434$296$83
31 years$1,191$843$585$398$268$71
32 years$1,141$798$545$366$242$61
33 years$1,094$755$509$337$219$52
34 years$1,050$716$476$310$198$45
35 years$1,009$679$445$285$180$38
36 years$970$644$416$263$163$33
37 years$934$612$389$242$148$28
38 years$899$582$365$223$134$24
39 years$866$553$342$206$121$21
40 years$835$526$320$190$110$18
41 years$806$501$300$175$100$15
42 years$778$477$282$162$91$13
43 years$751$455$264$149$82$11
44 years$726$433$248$138$75$10
45 years$702$413$233$127$68$8
46 years$679$394$219$117$62$7
47 years$657$376$206$109$56$6
48 years$636$359$193$100$51$5
49 years$616$343$182$93$46$5
50 years$597$328$171$86$42$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $611,000, adding $3,566 every year, while hoping to spend $31,849 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: 43/37/20 Blend
34$611,000$611,000$611,000$611,000
35$677,000$644,617$635,147$702,031
36$712,167$642,316$622,537$717,776
37$749,854$638,835$608,438$731,442
38$790,283$634,083$592,765$745,591
39$833,701$627,962$575,431$760,284
40$880,375$620,369$556,345$775,590
41$930,602$611,196$535,411$791,586
42$984,706$600,326$512,530$808,361
43$1,043,043$587,639$487,596$826,015
44$1,106,003$573,003$460,501$844,659
45$1,174,017$556,282$431,129$864,421
46$1,247,558$537,331$399,363$885,445
47$1,327,145$515,996$365,077$907,890
48$1,413,347$492,114$328,141$931,937
49$1,506,794$465,513$288,419$957,789
50$1,608,175$436,010$245,769$985,672
51$1,718,248$403,415$200,042$1,015,842
52$1,837,850$367,522$151,084$1,048,582
53$1,967,898$328,118$98,732$1,084,212
54$2,109,401$284,974$42,818$1,123,086
55$2,263,473$237,850$0$1,165,603
56$2,431,336$186,494$0$1,215,801
57$2,614,336$130,636$0$1,280,563
58$2,813,955$69,993$0$1,351,334
59$3,031,823$4,267$0$1,428,772
60$3,269,735$0$0$1,513,602
61$3,529,667$0$0$1,633,854
62$3,813,794$0$0$1,767,271
63$4,124,512$0$0$1,913,250
64$4,464,456$0$0$2,073,039
65$4,836,531$0$0$2,248,012
66$5,243,934$0$0$2,439,683
67$5,690,186$0$0$2,649,720
68$6,179,163$0$0$2,879,957
69$6,715,136$0$0$3,132,418
70$7,302,808$0$0$3,409,330
71$7,947,358$0$0$3,713,144
72$8,654,492$0$0$4,046,564
73$9,430,493$0$0$4,412,564
74$10,282,283$0$0$4,814,424
75$11,217,488$0$0$5,255,755
76$12,244,505$0$0$5,740,535
77$13,372,587$0$0$6,273,146
78$14,611,927$0$0$6,858,417
79$15,973,752$0$0$7,501,665
80$17,470,433$0$0$8,208,751
81$19,115,597$0$0$8,986,131
82$20,924,259$0$0$9,840,915
83$22,912,957$0$0$10,780,941
84$25,099,918$0$0$11,814,841
85$27,505,218$0$0$12,952,128
86$30,150,981$0$0$14,203,282
87$33,061,578$0$0$15,579,850
88$36,263,864$0$0$17,094,554
89$39,787,429$0$0$18,761,413
90$43,664,874$0$0$20,595,873
91$47,932,121$0$0$22,614,953
92$52,628,751$0$0$24,837,406
93$57,798,374$0$0$27,283,894
94$63,489,046$0$0$29,977,186
95$69,753,717$0$0$32,942,369
96$76,650,730$0$0$36,207,087
97$84,244,377$0$0$39,801,802
98$92,605,496$0$0$43,760,077
99$101,812,148$0$0$48,118,900
100$111,950,346$0$0$52,919,023