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%15.3%
1 years$50,621$50,170$49,730$49,301$48,881$47,816
2 years$25,060$24,593$24,141$23,702$23,277$22,209
3 years$16,541$16,072$15,621$15,186$14,768$13,731
4 years$12,282$11,815$11,368$10,941$10,533$9,534
5 years$9,727$9,263$8,822$8,404$8,007$7,050
6 years$8,025$7,564$7,129$6,720$6,335$5,421
7 years$6,809$6,352$5,925$5,525$5,152$4,281
8 years$5,898$5,445$5,025$4,635$4,274$3,445
9 years$5,189$4,741$4,328$3,948$3,600$2,812
10 years$4,623$4,179$3,773$3,403$3,067$2,321
11 years$4,160$3,720$3,322$2,962$2,638$1,932
12 years$3,774$3,339$2,948$2,598$2,286$1,619
13 years$3,448$3,017$2,634$2,294$1,993$1,364
14 years$3,169$2,743$2,366$2,036$1,747$1,154
15 years$2,927$2,506$2,137$1,816$1,538$981
16 years$2,716$2,299$1,937$1,626$1,360$836
17 years$2,530$2,117$1,763$1,461$1,206$714
18 years$2,364$1,956$1,609$1,316$1,072$611
19 years$2,216$1,813$1,473$1,190$955$524
20 years$2,083$1,685$1,352$1,077$853$450
21 years$1,963$1,569$1,243$978$764$387
22 years$1,854$1,465$1,146$889$685$334
23 years$1,755$1,370$1,058$810$615$288
24 years$1,664$1,284$979$738$552$248
25 years$1,580$1,205$906$674$497$214
26 years$1,503$1,132$841$617$448$185
27 years$1,432$1,066$781$564$404$160
28 years$1,366$1,004$726$517$364$138
29 years$1,305$947$675$474$329$120
30 years$1,248$895$629$435$297$104
31 years$1,194$846$586$400$269$90
32 years$1,145$800$547$367$243$78
33 years$1,098$758$511$338$220$67
34 years$1,054$718$477$311$199$58
35 years$1,013$681$446$286$180$50
36 years$974$647$417$263$163$44
37 years$937$614$391$243$148$38
38 years$902$584$366$224$134$33
39 years$869$555$343$206$122$28
40 years$838$528$321$190$110$25
41 years$809$503$301$176$100$21
42 years$780$479$283$162$91$19
43 years$754$456$265$150$83$16
44 years$728$435$249$138$75$14
45 years$704$415$234$128$68$12
46 years$681$395$220$118$62$10
47 years$659$377$206$109$56$9
48 years$638$360$194$101$51$8
49 years$618$344$182$93$46$7
50 years$599$329$171$86$42$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $613,000, adding $2,303 every year, while hoping to spend $24,510 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: 49/43/8 Blend
34$613,000$613,000$613,000$613,000
35$677,902$645,413$635,911$709,581
36$720,969$650,959$631,136$737,042
37$767,608$655,956$625,379$764,065
38$818,157$660,351$618,582$792,843
39$872,987$664,087$610,683$823,547
40$932,509$667,104$601,618$856,366
41$997,172$669,340$591,319$891,508
42$1,067,472$670,725$579,716$929,204
43$1,143,952$671,189$566,735$969,711
44$1,227,213$670,655$552,299$1,013,311
45$1,317,914$669,042$536,325$1,060,317
46$1,416,780$666,264$518,731$1,111,075
47$1,524,610$662,230$499,428$1,165,968
48$1,642,284$656,842$478,322$1,225,420
49$1,770,769$649,999$455,317$1,289,898
50$1,911,129$641,591$430,312$1,359,921
51$2,064,538$631,503$403,202$1,436,060
52$2,232,287$619,613$373,875$1,518,949
53$2,415,797$605,791$342,216$1,609,288
54$2,616,633$589,899$308,106$1,707,850
55$2,836,519$571,793$271,416$1,815,489
56$3,077,352$551,320$232,017$1,933,151
57$3,341,223$528,315$189,771$2,061,879
58$3,630,433$502,608$144,533$2,202,827
59$3,947,518$474,016$96,155$2,357,269
60$4,295,268$442,346$44,480$2,526,613
61$4,676,760$407,396$0$2,712,415
62$5,095,380$368,949$0$2,917,302
63$5,554,860$326,778$0$3,146,374
64$6,059,308$280,643$0$3,397,939
65$6,613,253$230,290$0$3,674,328
66$7,221,681$175,451$0$3,978,112
67$7,890,086$115,841$0$4,312,130
68$8,624,519$51,162$0$4,679,516
69$9,431,648$0$0$5,083,725
70$10,318,819$0$0$5,537,520
71$11,294,123$0$0$6,063,080
72$12,366,476$0$0$6,641,010
73$13,545,699$0$0$7,276,613
74$14,842,616$0$0$7,975,732
75$16,269,149$0$0$8,744,803
76$17,838,434$0$0$9,590,919
77$19,564,946$0$0$10,521,894
78$21,464,633$0$0$11,546,339
79$23,555,066$0$0$12,673,741
80$25,855,606$0$0$13,914,552
81$28,387,585$0$0$15,280,292
82$31,174,510$0$0$16,783,649
83$34,242,279$0$0$18,438,610
84$37,619,432$0$0$20,260,581
85$41,337,415$0$0$22,266,543
86$45,430,877$0$0$24,475,204
87$49,937,999$0$0$26,907,178
88$54,900,853$0$0$29,585,182
89$60,365,797$0$0$32,534,246
90$66,383,914$0$0$35,781,954
91$73,011,495$0$0$39,358,698
92$80,310,566$0$0$43,297,970
93$88,349,477$0$0$47,636,675
94$97,203,545$0$0$52,415,481
95$106,955,765$0$0$57,679,201
96$117,697,590$0$0$63,477,217
97$129,529,801$0$0$69,863,944
98$142,563,449$0$0$76,899,347
99$156,920,910$0$0$84,649,504
100$172,737,035$0$0$93,187,229