Can I retire at age 35 with 613,000?

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 $613,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$50,621$50,170$49,730$49,301$48,881$47,875
2 years$25,060$24,593$24,141$23,702$23,277$22,267
3 years$16,541$16,072$15,621$15,186$14,768$13,787
4 years$12,282$11,815$11,368$10,941$10,533$9,588
5 years$9,727$9,263$8,822$8,404$8,007$7,101
6 years$8,025$7,564$7,129$6,720$6,335$5,469
7 years$6,809$6,352$5,925$5,525$5,152$4,326
8 years$5,898$5,445$5,025$4,635$4,274$3,488
9 years$5,189$4,741$4,328$3,948$3,600$2,852
10 years$4,623$4,179$3,773$3,403$3,067$2,358
11 years$4,160$3,720$3,322$2,962$2,638$1,966
12 years$3,774$3,339$2,948$2,598$2,286$1,651
13 years$3,448$3,017$2,634$2,294$1,993$1,394
14 years$3,169$2,743$2,366$2,036$1,747$1,182
15 years$2,927$2,506$2,137$1,816$1,538$1,006
16 years$2,716$2,299$1,937$1,626$1,360$859
17 years$2,530$2,117$1,763$1,461$1,206$736
18 years$2,364$1,956$1,609$1,316$1,072$631
19 years$2,216$1,813$1,473$1,190$955$543
20 years$2,083$1,685$1,352$1,077$853$467
21 years$1,963$1,569$1,243$978$764$403
22 years$1,854$1,465$1,146$889$685$348
23 years$1,755$1,370$1,058$810$615$301
24 years$1,664$1,284$979$738$552$260
25 years$1,580$1,205$906$674$497$225
26 years$1,503$1,132$841$617$448$195
27 years$1,432$1,066$781$564$404$169
28 years$1,366$1,004$726$517$364$146
29 years$1,305$947$675$474$329$127
30 years$1,248$895$629$435$297$110
31 years$1,194$846$586$400$269$96
32 years$1,145$800$547$367$243$83
33 years$1,098$758$511$338$220$72
34 years$1,054$718$477$311$199$63
35 years$1,013$681$446$286$180$54
36 years$974$647$417$263$163$47
37 years$937$614$391$243$148$41
38 years$902$584$366$224$134$36
39 years$869$555$343$206$122$31
40 years$838$528$321$190$110$27
41 years$809$503$301$176$100$23
42 years$780$479$283$162$91$20
43 years$754$456$265$150$83$18
44 years$728$435$249$138$75$15
45 years$704$415$234$128$68$13
46 years$681$395$220$118$62$12
47 years$659$377$206$109$56$10
48 years$638$360$194$101$51$9
49 years$618$344$182$93$46$8
50 years$599$329$171$86$42$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $613,000, adding $6,198 every year, while hoping to spend $39,039 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: 41/36/23 Blend
34$613,000$613,000$613,000$613,000
35$681,919$649,430$639,929$705,040
36$709,938$639,715$619,829$712,472
37$739,506$628,216$597,748$716,328
38$770,740$614,803$573,577$719,721
39$803,768$599,341$547,205$722,629
40$838,729$581,685$518,512$725,034
41$875,775$561,683$487,378$726,917
42$915,071$539,173$453,673$728,262
43$956,800$513,984$417,262$729,054
44$1,001,160$485,935$378,006$729,282
45$1,048,367$454,835$335,758$728,936
46$1,098,659$420,481$290,365$728,012
47$1,152,298$382,659$241,668$726,508
48$1,209,567$341,144$189,498$724,428
49$1,270,779$295,696$133,683$721,782
50$1,336,276$246,064$74,039$718,586
51$1,406,435$191,979$10,378$714,863
52$1,481,666$133,161$0$710,647
53$1,562,421$69,311$0$720,106
54$1,649,197$116$0$732,805
55$1,742,538$0$0$746,313
56$1,843,040$0$0$790,383
57$1,951,361$0$0$837,991
58$2,068,221$0$0$889,415
59$2,194,412$0$0$945,011
60$2,330,804$0$0$1,005,172
61$2,478,354$0$0$1,070,329
62$2,638,113$0$0$1,140,953
63$2,811,237$0$0$1,217,568
64$2,998,997$0$0$1,300,744
65$3,202,790$0$0$1,391,113
66$3,424,154$0$0$1,489,367
67$3,664,779$0$0$1,596,267
68$3,926,526$0$0$1,712,654
69$4,211,442$0$0$1,839,449
70$4,521,777$0$0$1,977,669
71$4,860,011$0$0$2,128,431
72$5,228,871$0$0$2,292,966
73$5,631,358$0$0$2,472,627
74$6,070,777$0$0$2,668,905
75$6,550,765$0$0$2,883,443
76$7,075,326$0$0$3,118,046
77$7,648,868$0$0$3,374,703
78$8,276,245$0$0$3,655,607
79$8,962,801$0$0$3,963,168
80$9,714,420$0$0$4,300,043
81$10,537,584$0$0$4,669,157
82$11,439,427$0$0$5,073,732
83$12,427,809$0$0$5,517,316
84$13,511,385$0$0$6,003,816
85$14,699,688$0$0$6,537,537
86$16,003,217$0$0$7,123,219
87$17,433,538$0$0$7,766,084
88$19,003,388$0$0$8,471,886
89$20,726,799$0$0$9,246,959
90$22,619,227$0$0$10,098,285
91$24,697,699$0$0$11,033,552
92$26,980,972$0$0$12,061,231
93$29,489,708$0$0$13,190,655
94$32,246,670$0$0$14,432,104
95$35,276,937$0$0$15,796,905
96$38,608,135$0$0$17,297,537
97$42,270,704$0$0$18,947,747
98$46,298,178$0$0$20,762,684
99$50,727,503$0$0$22,759,035
100$55,599,388$0$0$24,955,189