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%12.8%
1 years$50,456$50,006$49,568$49,140$48,722$48,153
2 years$24,978$24,513$24,062$23,625$23,201$22,628
3 years$16,487$16,019$15,570$15,137$14,720$14,161
4 years$12,242$11,776$11,331$10,905$10,498$9,958
5 years$9,696$9,233$8,793$8,376$7,981$7,460
6 years$7,999$7,539$7,106$6,699$6,315$5,815
7 years$6,787$6,331$5,905$5,507$5,136$4,657
8 years$5,879$5,427$5,008$4,620$4,260$3,802
9 years$5,172$4,725$4,314$3,935$3,588$3,150
10 years$4,608$4,165$3,761$3,392$3,057$2,640
11 years$4,146$3,708$3,311$2,952$2,629$2,232
12 years$3,762$3,328$2,938$2,589$2,278$1,900
13 years$3,437$3,008$2,625$2,286$1,987$1,628
14 years$3,159$2,734$2,359$2,029$1,742$1,401
15 years$2,918$2,497$2,130$1,810$1,533$1,211
16 years$2,707$2,291$1,931$1,620$1,355$1,050
17 years$2,521$2,110$1,757$1,456$1,202$913
18 years$2,356$1,950$1,604$1,312$1,068$796
19 years$2,209$1,807$1,468$1,186$952$696
20 years$2,077$1,679$1,347$1,074$851$609
21 years$1,957$1,564$1,239$975$761$534
22 years$1,848$1,460$1,142$886$682$469
23 years$1,749$1,366$1,055$807$613$412
24 years$1,659$1,280$975$736$551$362
25 years$1,575$1,201$903$672$495$319
26 years$1,498$1,129$838$615$446$281
27 years$1,428$1,062$778$563$402$248
28 years$1,362$1,001$723$515$363$219
29 years$1,301$944$673$473$328$193
30 years$1,244$892$627$434$296$171
31 years$1,191$843$585$398$268$151
32 years$1,141$798$545$366$242$133
33 years$1,094$755$509$337$219$118
34 years$1,050$716$476$310$198$104
35 years$1,009$679$445$285$180$92
36 years$970$644$416$263$163$82
37 years$934$612$389$242$148$72
38 years$899$582$365$223$134$64
39 years$866$553$342$206$121$57
40 years$835$526$320$190$110$50
41 years$806$501$300$175$100$44
42 years$778$477$282$162$91$39
43 years$751$455$264$149$82$35
44 years$726$433$248$138$75$31
45 years$702$413$233$127$68$27
46 years$679$394$219$117$62$24
47 years$657$376$206$109$56$22
48 years$636$359$193$100$51$19
49 years$616$343$182$93$46$17
50 years$597$328$171$86$42$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $611,000, adding $3,131 every year, while hoping to spend $32,365 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: 44/26/30 Blend
34$611,000$611,000$611,000$611,000
35$676,552$644,169$634,698$700,307
36$711,124$641,297$621,524$714,751
37$748,138$637,199$606,825$727,096
38$787,808$631,782$590,513$739,873
39$830,370$624,946$572,502$753,139
40$876,084$616,584$552,696$766,964
41$925,232$606,584$530,999$781,424
42$978,126$594,828$507,308$796,605
43$1,035,110$581,188$481,518$812,607
44$1,096,557$565,533$453,515$829,541
45$1,162,882$547,721$423,184$847,533
46$1,234,539$527,601$390,403$866,723
47$1,312,025$505,017$355,045$887,272
48$1,395,889$479,800$316,976$909,359
49$1,486,733$451,774$276,058$933,183
50$1,585,220$420,751$232,147$958,972
51$1,692,078$386,534$185,089$986,976
52$1,808,109$348,912$134,728$1,017,478
53$1,934,192$307,666$80,898$1,050,794
54$2,071,299$262,560$23,427$1,087,278
55$2,220,495$213,349$0$1,127,323
56$2,382,953$159,770$0$1,183,502
57$2,559,965$101,550$0$1,252,963
58$2,752,951$38,396$0$1,328,810
59$2,963,476$0$0$1,411,715
60$3,193,261$0$0$1,511,008
61$3,444,201$0$0$1,631,507
62$3,718,381$0$0$1,763,238
63$4,018,098$0$0$1,907,314
64$4,345,880$0$0$2,064,958
65$4,704,511$0$0$2,237,519
66$5,097,056$0$0$2,426,482
67$5,526,889$0$0$2,633,483
68$5,997,729$0$0$2,860,323
69$6,513,668$0$0$3,108,984
70$7,079,214$0$0$3,381,651
71$7,699,332$0$0$3,680,730
72$8,379,491$0$0$4,008,870
73$9,125,712$0$0$4,368,992
74$9,944,631$0$0$4,764,309
75$10,843,555$0$0$5,198,363
76$11,830,532$0$0$5,675,056
77$12,914,431$0$0$6,198,685
78$14,105,019$0$0$6,773,984
79$15,413,057$0$0$7,406,170
80$16,850,398$0$0$8,100,987
81$18,430,102$0$0$8,864,767
82$20,166,556$0$0$9,704,483
83$22,075,610$0$0$10,627,818
84$24,174,728$0$0$11,643,238
85$26,483,150$0$0$12,760,070
86$29,022,073$0$0$13,988,588
87$31,814,851$0$0$15,340,116
88$34,887,217$0$0$16,827,128
89$38,267,524$0$0$18,463,368
90$41,987,008$0$0$20,263,980
91$46,080,090$0$0$22,245,651
92$50,584,694$0$0$24,426,767
93$55,542,608$0$0$26,827,587
94$60,999,874$0$0$29,470,433
95$67,007,227$0$0$32,379,902
96$73,620,569$0$0$35,583,097
97$80,901,498$0$0$39,109,881
98$88,917,888$0$0$42,993,163
99$97,744,530$0$0$47,269,202
100$107,463,835$0$0$51,977,956