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%12.5%
1 years$51,116$50,661$50,217$49,783$49,360$48,844
2 years$25,305$24,834$24,377$23,934$23,505$22,986
3 years$16,703$16,229$15,774$15,335$14,912$14,406
4 years$12,402$11,930$11,479$11,048$10,636$10,145
5 years$9,822$9,353$8,908$8,486$8,085$7,613
6 years$8,103$7,638$7,199$6,786$6,397$5,943
7 years$6,876$6,414$5,983$5,579$5,203$4,767
8 years$5,956$5,498$5,074$4,680$4,316$3,899
9 years$5,240$4,787$4,370$3,987$3,635$3,236
10 years$4,668$4,220$3,810$3,437$3,097$2,717
11 years$4,201$3,756$3,354$2,991$2,664$2,301
12 years$3,811$3,372$2,977$2,623$2,308$1,963
13 years$3,482$3,047$2,659$2,316$2,013$1,685
14 years$3,200$2,770$2,390$2,056$1,764$1,453
15 years$2,956$2,530$2,157$1,833$1,554$1,258
16 years$2,742$2,321$1,956$1,642$1,373$1,094
17 years$2,554$2,138$1,780$1,475$1,217$953
18 years$2,387$1,975$1,625$1,329$1,082$833
19 years$2,238$1,831$1,487$1,201$965$729
20 years$2,104$1,701$1,365$1,088$862$640
21 years$1,983$1,585$1,256$987$771$562
22 years$1,872$1,479$1,157$898$691$495
23 years$1,772$1,384$1,069$818$621$436
24 years$1,680$1,296$988$746$558$384
25 years$1,596$1,216$915$681$502$339
26 years$1,518$1,143$849$623$452$300
27 years$1,446$1,076$788$570$408$265
28 years$1,380$1,014$733$522$368$234
29 years$1,318$956$682$479$332$207
30 years$1,260$903$635$439$300$184
31 years$1,206$854$592$404$271$163
32 years$1,156$808$553$371$245$144
33 years$1,109$765$516$341$222$128
34 years$1,064$725$482$314$201$113
35 years$1,022$688$451$289$182$101
36 years$983$653$422$266$165$89
37 years$946$620$395$245$150$79
38 years$911$589$370$226$136$70
39 years$878$560$346$208$123$62
40 years$846$533$324$192$112$55
41 years$816$507$304$177$101$49
42 years$788$483$285$164$92$44
43 years$761$461$268$151$83$39
44 years$735$439$251$139$76$34
45 years$711$419$236$129$69$31
46 years$688$399$222$119$62$27
47 years$665$381$208$110$57$24
48 years$644$364$196$102$51$21
49 years$624$347$184$94$47$19
50 years$604$332$173$87$42$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $619,000, adding $5,144 every year, while hoping to spend $32,703 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: 35/40/25 Blend
34$619,000$619,000$619,000$619,000
35$687,444$654,637$645,043$706,158
36$722,768$651,919$631,856$717,788
37$760,598$647,971$617,131$726,988
38$801,157$642,699$600,783$736,267
39$844,686$636,003$582,720$745,654
40$891,453$627,775$562,850$755,182
41$941,748$617,904$541,073$764,892
42$995,894$606,269$517,287$774,829
43$1,054,243$592,743$491,383$785,051
44$1,117,181$577,193$463,250$795,619
45$1,185,135$559,477$432,770$806,609
46$1,258,571$539,443$399,820$818,106
47$1,338,002$516,933$364,271$830,207
48$1,423,994$491,779$325,990$843,027
49$1,517,167$463,801$284,836$856,692
50$1,618,203$432,812$240,663$871,350
51$1,727,852$398,613$193,318$887,167
52$1,846,941$360,993$142,642$904,332
53$1,976,376$319,729$88,468$923,058
54$2,117,157$274,586$30,622$943,588
55$2,270,382$225,316$0$966,193
56$2,437,260$171,655$0$999,480
57$2,619,122$113,327$0$1,044,753
58$2,817,431$50,039$0$1,094,276
59$3,033,799$0$0$1,148,540
60$3,270,000$0$0$1,216,244
61$3,527,986$0$0$1,314,331
62$3,809,907$0$0$1,421,606
63$4,118,128$0$0$1,538,979
64$4,455,256$0$0$1,667,454
65$4,824,159$0$0$1,808,135
66$5,227,996$0$0$1,962,240
67$5,670,246$0$0$2,131,108
68$6,154,737$0$0$2,316,216
69$6,685,691$0$0$2,519,188
70$7,267,751$0$0$2,741,815
71$7,906,035$0$0$2,986,068
72$8,606,178$0$0$3,254,120
73$9,374,389$0$0$3,548,363
74$10,217,504$0$0$3,871,431
75$11,143,055$0$0$4,226,228
76$12,159,339$0$0$4,615,952
77$13,275,493$0$0$5,044,124
78$14,501,587$0$0$5,514,627
79$15,848,709$0$0$6,031,735
80$17,329,079$0$0$6,600,159
81$18,956,157$0$0$7,225,087
82$20,744,770$0$0$7,912,237
83$22,711,258$0$0$8,667,907
84$24,873,619$0$0$9,499,037
85$27,251,683$0$0$10,413,273
86$29,867,301$0$0$11,419,039
87$32,744,544$0$0$12,525,617
88$35,909,934$0$0$13,743,234
89$39,392,697$0$0$15,083,158
90$43,225,029$0$0$16,557,804
91$47,442,410$0$0$18,180,854
92$52,083,928$0$0$19,967,381
93$57,192,657$0$0$21,933,994
94$62,816,055$0$0$24,098,994
95$69,006,417$0$0$26,482,548
96$75,821,364$0$0$29,106,877
97$83,324,389$0$0$31,996,465
98$91,585,454$0$0$35,178,292
99$100,681,650$0$0$38,682,089
100$110,697,924$0$0$42,540,615