Can I retire at age 35 with 621,000?

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 $621,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$51,282$50,825$50,379$49,944$49,519$48,480
2 years$25,387$24,914$24,456$24,012$23,581$22,538
3 years$16,757$16,282$15,825$15,384$14,961$13,948
4 years$12,442$11,969$11,516$11,084$10,670$9,695
5 years$9,854$9,384$8,937$8,513$8,111$7,176
6 years$8,129$7,662$7,222$6,808$6,418$5,524
7 years$6,898$6,435$6,002$5,597$5,220$4,367
8 years$5,975$5,516$5,090$4,695$4,330$3,519
9 years$5,257$4,803$4,384$4,000$3,647$2,876
10 years$4,683$4,233$3,822$3,448$3,107$2,376
11 years$4,214$3,769$3,365$3,000$2,672$1,980
12 years$3,824$3,383$2,986$2,632$2,316$1,661
13 years$3,493$3,057$2,668$2,323$2,019$1,402
14 years$3,210$2,779$2,397$2,063$1,770$1,188
15 years$2,965$2,538$2,164$1,839$1,559$1,011
16 years$2,751$2,329$1,962$1,647$1,377$862
17 years$2,563$2,145$1,786$1,480$1,221$738
18 years$2,395$1,982$1,630$1,334$1,086$633
19 years$2,245$1,837$1,492$1,205$968$544
20 years$2,111$1,707$1,370$1,091$865$468
21 years$1,989$1,590$1,260$991$774$403
22 years$1,879$1,484$1,161$901$694$348
23 years$1,778$1,388$1,072$820$623$300
24 years$1,686$1,300$991$748$560$259
25 years$1,601$1,220$918$683$504$224
26 years$1,523$1,147$852$625$454$194
27 years$1,451$1,079$791$572$409$168
28 years$1,384$1,017$735$524$369$146
29 years$1,322$960$684$480$333$126
30 years$1,264$906$637$441$301$109
31 years$1,210$857$594$405$272$95
32 years$1,160$811$554$372$246$82
33 years$1,112$768$518$342$223$71
34 years$1,068$728$484$315$202$62
35 years$1,026$690$452$290$183$54
36 years$986$655$423$267$166$47
37 years$949$622$396$246$150$40
38 years$914$591$371$227$136$35
39 years$881$562$347$209$123$31
40 years$849$535$326$193$112$26
41 years$819$509$305$178$102$23
42 years$791$485$286$164$92$20
43 years$764$462$269$152$84$17
44 years$738$440$252$140$76$15
45 years$713$420$237$129$69$13
46 years$690$401$222$119$63$11
47 years$668$382$209$110$57$10
48 years$646$365$196$102$52$9
49 years$626$349$185$94$47$7
50 years$606$333$174$87$43$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $621,000, adding $3,879 every year, while hoping to spend $33,007 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: 46/41/13 Blend
34$621,000$621,000$621,000$621,000
35$688,343$655,430$645,805$717,310
36$723,435$652,427$632,320$734,788
37$761,000$648,171$617,277$750,057
38$801,255$642,564$600,589$765,892
39$844,440$635,506$582,166$782,356
40$890,815$626,889$561,910$799,523
41$940,668$616,596$539,724$817,477
42$994,314$604,507$515,503$836,310
43$1,052,100$590,494$489,138$856,128
44$1,114,405$574,419$460,515$877,051
45$1,181,648$556,139$429,516$899,212
46$1,254,287$535,501$396,016$922,761
47$1,332,826$512,342$359,885$947,867
48$1,417,821$486,494$320,987$974,720
49$1,509,880$457,773$279,181$1,003,532
50$1,609,674$425,990$234,320$1,034,541
51$1,717,938$390,941$186,247$1,068,011
52$1,835,484$352,414$134,803$1,104,241
53$1,963,203$310,181$79,818$1,143,563
54$2,102,075$264,005$21,117$1,186,347
55$2,253,178$213,633$0$1,233,007
56$2,417,700$158,799$0$1,289,765
57$2,596,946$99,221$0$1,354,875
58$2,792,354$34,601$0$1,426,005
59$3,005,504$0$0$1,503,822
60$3,238,138$0$0$1,605,024
61$3,492,171$0$0$1,732,651
62$3,769,714$0$0$1,872,159
63$4,073,089$0$0$2,024,724
64$4,404,853$0$0$2,191,641
65$4,767,819$0$0$2,374,336
66$5,165,090$0$0$2,574,380
67$5,600,076$0$0$2,793,500
68$6,076,538$0$0$3,033,602
69$6,598,615$0$0$3,296,781
70$7,170,865$0$0$3,585,348
71$7,798,309$0$0$3,901,846
72$8,486,476$0$0$4,249,077
73$9,241,459$0$0$4,630,127
74$10,069,964$0$0$5,048,394
75$10,979,382$0$0$5,507,624
76$11,977,852$0$0$6,011,940
77$13,074,341$0$0$6,565,886
78$14,278,727$0$0$7,174,468
79$15,601,891$0$0$7,843,199
80$17,055,819$0$0$8,578,155
81$18,653,718$0$0$9,386,027
82$20,410,136$0$0$10,274,188
83$22,341,101$0$0$11,250,761
84$24,464,273$0$0$12,324,696
85$26,799,106$0$0$13,505,852
86$29,367,035$0$0$14,805,094
87$32,191,678$0$0$16,234,390
88$35,299,054$0$0$17,806,928
89$38,717,833$0$0$19,537,239
90$42,479,603$0$0$21,441,333
91$46,619,168$0$0$23,536,850
92$51,174,879$0$0$25,843,228
93$56,188,990$0$0$28,381,883
94$61,708,060$0$0$31,176,415
95$67,783,391$0$0$34,252,825
96$74,471,510$0$0$37,639,767
97$81,834,705$0$0$41,368,811
98$89,941,609$0$0$45,474,745
99$98,867,851$0$0$49,995,904
100$108,696,763$0$0$54,974,528