Can I retire at age 35 with 611,000?

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 $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%12.5%
1 years$50,456$50,006$49,568$49,140$48,722$48,213
2 years$24,978$24,513$24,062$23,625$23,201$22,689
3 years$16,487$16,019$15,570$15,137$14,720$14,220
4 years$12,242$11,776$11,331$10,905$10,498$10,014
5 years$9,696$9,233$8,793$8,376$7,981$7,514
6 years$7,999$7,539$7,106$6,699$6,315$5,867
7 years$6,787$6,331$5,905$5,507$5,136$4,706
8 years$5,879$5,427$5,008$4,620$4,260$3,849
9 years$5,172$4,725$4,314$3,935$3,588$3,195
10 years$4,608$4,165$3,761$3,392$3,057$2,682
11 years$4,146$3,708$3,311$2,952$2,629$2,271
12 years$3,762$3,328$2,938$2,589$2,278$1,938
13 years$3,437$3,008$2,625$2,286$1,987$1,663
14 years$3,159$2,734$2,359$2,029$1,742$1,434
15 years$2,918$2,497$2,130$1,810$1,533$1,242
16 years$2,707$2,291$1,931$1,620$1,355$1,079
17 years$2,521$2,110$1,757$1,456$1,202$941
18 years$2,356$1,950$1,604$1,312$1,068$822
19 years$2,209$1,807$1,468$1,186$952$720
20 years$2,077$1,679$1,347$1,074$851$631
21 years$1,957$1,564$1,239$975$761$555
22 years$1,848$1,460$1,142$886$682$488
23 years$1,749$1,366$1,055$807$613$430
24 years$1,659$1,280$975$736$551$379
25 years$1,575$1,201$903$672$495$335
26 years$1,498$1,129$838$615$446$296
27 years$1,428$1,062$778$563$402$261
28 years$1,362$1,001$723$515$363$231
29 years$1,301$944$673$473$328$205
30 years$1,244$892$627$434$296$181
31 years$1,191$843$585$398$268$161
32 years$1,141$798$545$366$242$142
33 years$1,094$755$509$337$219$126
34 years$1,050$716$476$310$198$112
35 years$1,009$679$445$285$180$99
36 years$970$644$416$263$163$88
37 years$934$612$389$242$148$78
38 years$899$582$365$223$134$69
39 years$866$553$342$206$121$62
40 years$835$526$320$190$110$55
41 years$806$501$300$175$100$49
42 years$778$477$282$162$91$43
43 years$751$455$264$149$82$38
44 years$726$433$248$138$75$34
45 years$702$413$233$127$68$30
46 years$679$394$219$117$62$27
47 years$657$376$206$109$56$24
48 years$636$359$193$100$51$21
49 years$616$343$182$93$46$19
50 years$597$328$171$86$42$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $611,000, adding $2,666 every year, while hoping to spend $23,026 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: 62/23/15 Blend
34$611,000$611,000$611,000$611,000
35$676,072$643,689$634,218$715,323
36$720,532$650,730$630,965$749,062
37$768,755$657,345$626,831$783,026
38$821,101$663,487$621,763$819,550
39$877,964$669,110$615,704$858,885
40$939,781$674,161$608,594$901,304
41$1,007,030$678,586$600,373$947,114
42$1,080,237$682,326$590,976$996,649
43$1,159,981$685,321$580,333$1,050,280
44$1,246,901$687,503$568,376$1,108,416
45$1,341,697$688,803$555,029$1,171,508
46$1,445,142$689,146$540,214$1,240,053
47$1,558,087$688,454$523,851$1,314,601
48$1,681,466$686,642$505,855$1,395,758
49$1,816,310$683,622$486,135$1,484,192
50$1,963,753$679,299$464,600$1,580,642
51$2,125,044$673,573$441,153$1,685,921
52$2,301,558$666,338$415,691$1,800,927
53$2,494,808$657,480$388,108$1,926,651
54$2,706,463$646,881$358,294$2,064,187
55$2,938,358$634,414$326,133$2,214,740
56$3,192,515$619,944$291,503$2,379,641
57$3,471,161$603,331$254,277$2,560,358
58$3,776,748$584,424$214,325$2,758,510
59$4,111,979$563,063$171,507$2,975,883
60$4,479,829$539,080$125,680$3,214,447
61$4,883,574$512,298$76,693$3,476,376
62$5,326,826$482,528$24,390$3,764,065
63$5,813,561$449,571$0$4,080,160
64$6,348,160$413,215$0$4,432,606
65$6,935,449$373,239$0$4,824,081
66$7,580,744$329,408$0$5,254,254
67$8,289,903$281,472$0$5,727,067
68$9,069,377$229,168$0$6,246,863
69$9,926,276$172,220$0$6,818,434
70$10,868,431$110,333$0$7,447,058
71$11,904,471$43,199$0$8,138,557
72$13,043,901$0$0$8,899,347
73$14,297,197$0$0$9,743,968
74$15,675,897$0$0$10,685,181
75$17,192,717$0$0$11,720,739
76$18,861,666$0$0$12,860,212
77$20,698,179$0$0$14,114,146
78$22,719,264$0$0$15,494,161
79$24,943,661$0$0$17,013,058
80$27,392,018$0$0$18,684,946
81$30,087,086$0$0$20,525,368
82$33,053,936$0$0$22,551,451
83$36,320,190$0$0$24,782,069
84$39,916,287$0$0$27,238,016
85$43,875,766$0$0$29,942,207
86$48,235,585$0$0$32,919,892
87$53,036,466$0$0$36,198,894
88$58,323,284$0$0$39,809,870
89$64,145,486$0$0$43,786,605
90$70,557,559$0$0$48,166,325
91$77,619,545$0$0$52,990,052
92$85,397,604$0$0$58,302,987
93$93,964,643$0$0$64,154,942
94$103,400,999$0$0$70,600,806
95$113,795,200$0$0$77,701,063
96$125,244,799$0$0$85,522,364
97$137,857,296$0$0$94,138,154
98$151,751,150$0$0$103,629,370
99$167,056,898$0$0$114,085,197
100$183,918,386$0$0$125,603,915