Can I retire at age 35 with 619,000?

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 $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%13%
1 years$51,116$50,661$50,217$49,783$49,360$48,743
2 years$25,305$24,834$24,377$23,934$23,505$22,884
3 years$16,703$16,229$15,774$15,335$14,912$14,307
4 years$12,402$11,930$11,479$11,048$10,636$10,051
5 years$9,822$9,353$8,908$8,486$8,085$7,522
6 years$8,103$7,638$7,199$6,786$6,397$5,857
7 years$6,876$6,414$5,983$5,579$5,203$4,685
8 years$5,956$5,498$5,074$4,680$4,316$3,821
9 years$5,240$4,787$4,370$3,987$3,635$3,162
10 years$4,668$4,220$3,810$3,437$3,097$2,646
11 years$4,201$3,756$3,354$2,991$2,664$2,234
12 years$3,811$3,372$2,977$2,623$2,308$1,900
13 years$3,482$3,047$2,659$2,316$2,013$1,626
14 years$3,200$2,770$2,390$2,056$1,764$1,397
15 years$2,956$2,530$2,157$1,833$1,554$1,206
16 years$2,742$2,321$1,956$1,642$1,373$1,044
17 years$2,554$2,138$1,780$1,475$1,217$907
18 years$2,387$1,975$1,625$1,329$1,082$790
19 years$2,238$1,831$1,487$1,201$965$689
20 years$2,104$1,701$1,365$1,088$862$602
21 years$1,983$1,585$1,256$987$771$527
22 years$1,872$1,479$1,157$898$691$462
23 years$1,772$1,384$1,069$818$621$406
24 years$1,680$1,296$988$746$558$356
25 years$1,596$1,216$915$681$502$313
26 years$1,518$1,143$849$623$452$276
27 years$1,446$1,076$788$570$408$243
28 years$1,380$1,014$733$522$368$214
29 years$1,318$956$682$479$332$189
30 years$1,260$903$635$439$300$166
31 years$1,206$854$592$404$271$147
32 years$1,156$808$553$371$245$129
33 years$1,109$765$516$341$222$114
34 years$1,064$725$482$314$201$101
35 years$1,022$688$451$289$182$89
36 years$983$653$422$266$165$79
37 years$946$620$395$245$150$70
38 years$911$589$370$226$136$62
39 years$878$560$346$208$123$54
40 years$846$533$324$192$112$48
41 years$816$507$304$177$101$43
42 years$788$483$285$164$92$38
43 years$761$461$268$151$83$33
44 years$735$439$251$139$76$29
45 years$711$419$236$129$69$26
46 years$688$399$222$119$62$23
47 years$665$381$208$110$57$20
48 years$644$364$196$102$51$18
49 years$624$347$184$94$47$16
50 years$604$332$173$87$42$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $619,000, adding $4,755 every year, while hoping to spend $27,354 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: 65/14/21 Blend
34$619,000$619,000$619,000$619,000
35$687,043$654,236$644,641$727,726
36$728,017$657,189$637,132$758,607
37$772,253$659,370$628,455$788,804
38$820,056$660,712$618,541$821,167
39$871,759$661,145$607,320$855,908
40$927,730$660,592$594,717$893,265
41$988,372$658,975$580,653$933,496
42$1,054,129$656,208$565,048$976,890
43$1,125,489$652,200$547,816$1,023,765
44$1,202,989$646,858$528,868$1,074,473
45$1,287,218$640,079$508,109$1,129,400
46$1,378,827$631,755$485,444$1,188,975
47$1,478,530$621,774$460,769$1,253,671
48$1,587,113$610,014$433,977$1,324,011
49$1,705,442$596,347$404,958$1,400,571
50$1,834,468$580,639$373,595$1,483,988
51$1,975,239$562,746$339,766$1,574,966
52$2,128,909$542,516$303,344$1,674,281
53$2,296,748$519,789$264,196$1,782,791
54$2,480,153$494,395$222,183$1,901,441
55$2,680,662$466,155$177,161$2,031,276
56$2,899,972$434,879$128,977$2,173,449
57$3,139,946$400,365$77,475$2,329,232
58$3,402,639$362,401$22,489$2,500,031
59$3,690,313$320,763$0$2,687,395
60$4,005,459$275,215$0$2,901,144
61$4,350,819$225,504$0$3,140,962
62$4,729,416$171,367$0$3,403,928
63$5,144,576$112,524$0$3,692,384
64$5,599,965$48,679$0$4,008,913
65$6,099,618$0$0$4,356,359
66$6,647,983$0$0$4,741,014
67$7,249,956$0$0$5,171,548
68$7,910,933$0$0$5,644,325
69$8,636,855$0$0$6,163,602
70$9,434,271$0$0$6,734,067
71$10,310,391$0$0$7,360,885
72$11,273,162$0$0$8,049,748
73$12,331,334$0$0$8,806,922
74$13,494,552$0$0$9,639,316
75$14,773,440$0$0$10,554,538
76$16,179,700$0$0$11,560,970
77$17,726,229$0$0$12,667,850
78$19,427,235$0$0$13,885,353
79$21,298,370$0$0$15,224,690
80$23,356,883$0$0$16,698,216
81$25,621,775$0$0$18,319,540
82$28,113,984$0$0$20,103,659
83$30,856,581$0$0$22,067,098
84$33,874,984$0$0$24,228,063
85$37,197,202$0$0$26,606,615
86$40,854,095$0$0$29,224,859
87$44,879,669$0$0$32,107,151
88$49,311,394$0$0$35,280,330
89$54,190,554$0$0$38,773,969
90$59,562,646$0$0$42,620,652
91$65,477,797$0$0$46,856,286
92$71,991,246$0$0$51,520,438
93$79,163,861$0$0$56,656,705
94$87,062,711$0$0$62,313,128
95$95,761,705$0$0$68,542,645
96$105,342,282$0$0$75,403,592
97$115,894,184$0$0$82,960,247
98$127,516,300$0$0$91,283,443
99$140,317,600$0$0$100,451,235
100$154,418,163$0$0$110,549,634