Can I retire at age 35 with 613,000?

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 $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%17.2%
1 years$50,621$50,170$49,730$49,301$48,881$47,450
2 years$25,060$24,593$24,141$23,702$23,277$21,846
3 years$16,541$16,072$15,621$15,186$14,768$13,383
4 years$12,282$11,815$11,368$10,941$10,533$9,204
5 years$9,727$9,263$8,822$8,404$8,007$6,738
6 years$8,025$7,564$7,129$6,720$6,335$5,128
7 years$6,809$6,352$5,925$5,525$5,152$4,006
8 years$5,898$5,445$5,025$4,635$4,274$3,188
9 years$5,189$4,741$4,328$3,948$3,600$2,573
10 years$4,623$4,179$3,773$3,403$3,067$2,098
11 years$4,160$3,720$3,322$2,962$2,638$1,725
12 years$3,774$3,339$2,948$2,598$2,286$1,428
13 years$3,448$3,017$2,634$2,294$1,993$1,188
14 years$3,169$2,743$2,366$2,036$1,747$992
15 years$2,927$2,506$2,137$1,816$1,538$832
16 years$2,716$2,299$1,937$1,626$1,360$699
17 years$2,530$2,117$1,763$1,461$1,206$589
18 years$2,364$1,956$1,609$1,316$1,072$497
19 years$2,216$1,813$1,473$1,190$955$421
20 years$2,083$1,685$1,352$1,077$853$356
21 years$1,963$1,569$1,243$978$764$302
22 years$1,854$1,465$1,146$889$685$256
23 years$1,755$1,370$1,058$810$615$218
24 years$1,664$1,284$979$738$552$185
25 years$1,580$1,205$906$674$497$157
26 years$1,503$1,132$841$617$448$134
27 years$1,432$1,066$781$564$404$114
28 years$1,366$1,004$726$517$364$97
29 years$1,305$947$675$474$329$83
30 years$1,248$895$629$435$297$70
31 years$1,194$846$586$400$269$60
32 years$1,145$800$547$367$243$51
33 years$1,098$758$511$338$220$44
34 years$1,054$718$477$311$199$37
35 years$1,013$681$446$286$180$32
36 years$974$647$417$263$163$27
37 years$937$614$391$243$148$23
38 years$902$584$366$224$134$20
39 years$869$555$343$206$122$17
40 years$838$528$321$190$110$14
41 years$809$503$301$176$100$12
42 years$780$479$283$162$91$10
43 years$754$456$265$150$83$9
44 years$728$435$249$138$75$8
45 years$704$415$234$128$68$6
46 years$681$395$220$118$62$6
47 years$659$377$206$109$56$5
48 years$638$360$194$101$51$4
49 years$618$344$182$93$46$3
50 years$599$329$171$86$42$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $613,000, adding $4,377 every year, while hoping to spend $52,815 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: 76/9/15 Blend
34$613,000$613,000$613,000$613,000
35$680,041$647,552$638,050$729,204
36$693,210$623,087$603,230$737,805
37$705,953$595,654$565,474$740,188
38$718,169$565,050$524,626$741,357
39$729,748$531,063$480,527$741,173
40$740,566$493,468$433,008$739,486
41$750,483$452,027$381,893$736,129
42$759,344$406,489$326,998$730,921
43$766,977$356,587$268,132$723,662
44$773,189$302,040$205,096$714,134
45$777,766$242,552$137,678$702,098
46$780,470$177,809$65,662$687,289
47$781,037$107,480$0$669,421
48$779,171$31,214$0$649,968
49$774,546$0$0$638,125
50$766,801$0$0$628,116
51$755,533$0$0$618,235
52$740,297$0$0$605,016
53$720,599$0$0$588,047
54$695,893$0$0$566,868
55$665,574$0$0$540,972
56$628,971$0$0$509,798
57$585,343$0$0$472,724
58$533,870$0$0$429,063
59$473,645$0$0$378,054
60$403,664$0$0$318,857
61$322,819$0$0$250,542
62$229,884$0$0$172,083
63$123,506$0$0$82,344
64$2,187$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0