Can I retire at age 35 with 619,000?

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 $619,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$51,116$50,661$50,217$49,783$49,360$48,245
2 years$25,305$24,834$24,377$23,934$23,505$22,388
3 years$16,703$16,229$15,774$15,335$14,912$13,828
4 years$12,402$11,930$11,479$11,048$10,636$9,592
5 years$9,822$9,353$8,908$8,486$8,085$7,085
6 years$8,103$7,638$7,199$6,786$6,397$5,442
7 years$6,876$6,414$5,983$5,579$5,203$4,293
8 years$5,956$5,498$5,074$4,680$4,316$3,451
9 years$5,240$4,787$4,370$3,987$3,635$2,813
10 years$4,668$4,220$3,810$3,437$3,097$2,319
11 years$4,201$3,756$3,354$2,991$2,664$1,927
12 years$3,811$3,372$2,977$2,623$2,308$1,613
13 years$3,482$3,047$2,659$2,316$2,013$1,357
14 years$3,200$2,770$2,390$2,056$1,764$1,147
15 years$2,956$2,530$2,157$1,833$1,554$973
16 years$2,742$2,321$1,956$1,642$1,373$828
17 years$2,554$2,138$1,780$1,475$1,217$706
18 years$2,387$1,975$1,625$1,329$1,082$604
19 years$2,238$1,831$1,487$1,201$965$517
20 years$2,104$1,701$1,365$1,088$862$444
21 years$1,983$1,585$1,256$987$771$381
22 years$1,872$1,479$1,157$898$691$328
23 years$1,772$1,384$1,069$818$621$282
24 years$1,680$1,296$988$746$558$243
25 years$1,596$1,216$915$681$502$210
26 years$1,518$1,143$849$623$452$181
27 years$1,446$1,076$788$570$408$156
28 years$1,380$1,014$733$522$368$135
29 years$1,318$956$682$479$332$116
30 years$1,260$903$635$439$300$100
31 years$1,206$854$592$404$271$87
32 years$1,156$808$553$371$245$75
33 years$1,109$765$516$341$222$65
34 years$1,064$725$482$314$201$56
35 years$1,022$688$451$289$182$49
36 years$983$653$422$266$165$42
37 years$946$620$395$245$150$36
38 years$911$589$370$226$136$31
39 years$878$560$346$208$123$27
40 years$846$533$324$192$112$24
41 years$816$507$304$177$101$20
42 years$788$483$285$164$92$18
43 years$761$461$268$151$83$15
44 years$735$439$251$139$76$13
45 years$711$419$236$129$69$11
46 years$688$399$222$119$62$10
47 years$665$381$208$110$57$9
48 years$644$364$196$102$51$7
49 years$624$347$184$94$47$6
50 years$604$332$173$87$42$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $619,000, adding $6,366 every year, while hoping to spend $44,593 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: 41/44/15 Blend
34$619,000$619,000$619,000$619,000
35$688,705$655,898$646,303$713,650
36$711,506$640,590$620,508$716,583
37$735,138$623,038$592,353$714,897
38$759,639$603,084$561,714$712,113
39$785,050$580,562$528,459$708,152
40$811,411$555,296$492,449$702,930
41$838,770$527,100$453,541$696,362
42$867,174$495,777$411,584$688,353
43$896,675$461,120$366,421$678,807
44$927,328$422,907$317,888$667,622
45$959,192$380,906$265,814$654,692
46$992,331$334,871$210,020$639,902
47$1,026,812$284,543$150,319$623,136
48$1,062,707$229,647$86,515$604,269
49$1,100,096$169,892$18,406$583,171
50$1,139,061$104,972$0$559,706
51$1,179,694$34,564$0$542,418
52$1,222,091$0$0$526,180
53$1,266,358$0$0$528,100
54$1,312,608$0$0$547,608
55$1,360,964$0$0$568,025
56$1,411,557$0$0$589,407
57$1,464,533$0$0$611,819
58$1,520,045$0$0$635,329
59$1,578,262$0$0$660,012
60$1,639,367$0$0$685,948
61$1,703,559$0$0$713,227
62$1,771,054$0$0$741,943
63$1,842,085$0$0$772,202
64$1,916,909$0$0$804,116
65$1,995,803$0$0$837,809
66$2,079,070$0$0$873,417
67$2,167,041$0$0$911,087
68$2,260,076$0$0$950,979
69$2,358,569$0$0$993,269
70$2,462,948$0$0$1,038,150
71$2,573,685$0$0$1,085,831
72$2,691,291$0$0$1,136,542
73$2,816,328$0$0$1,190,534
74$2,949,411$0$0$1,248,083
75$3,091,211$0$0$1,309,489
76$3,242,465$0$0$1,375,082
77$3,403,980$0$0$1,445,225
78$3,576,639$0$0$1,520,314
79$3,761,410$0$0$1,600,783
80$3,959,357$0$0$1,687,110
81$4,171,645$0$0$1,779,819
82$4,399,551$0$0$1,879,484
83$4,644,480$0$0$1,986,736
84$4,907,970$0$0$2,102,266
85$5,191,714$0$0$2,226,837
86$5,497,569$0$0$2,361,283
87$5,827,574$0$0$2,506,523
88$6,183,971$0$0$2,663,566
89$6,569,223$0$0$2,833,521
90$6,986,037$0$0$3,017,606
91$7,437,388$0$0$3,217,163
92$7,926,550$0$0$3,433,665
93$8,457,117$0$0$3,668,734
94$9,033,048$0$0$3,924,151
95$9,658,693$0$0$4,201,879
96$10,338,838$0$0$4,504,076
97$11,078,749$0$0$4,833,115
98$11,884,219$0$0$5,191,610
99$12,761,624$0$0$5,582,434
100$13,717,978$0$0$6,008,753