Can I retire at age 35 with 621,000?

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 $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%11.5%
1 years$51,282$50,825$50,379$49,944$49,519$49,207
2 years$25,387$24,914$24,456$24,012$23,581$23,266
3 years$16,757$16,282$15,825$15,384$14,961$14,653
4 years$12,442$11,969$11,516$11,084$10,670$10,372
5 years$9,854$9,384$8,937$8,513$8,111$7,823
6 years$8,129$7,662$7,222$6,808$6,418$6,141
7 years$6,898$6,435$6,002$5,597$5,220$4,953
8 years$5,975$5,516$5,090$4,695$4,330$4,074
9 years$5,257$4,803$4,384$4,000$3,647$3,402
10 years$4,683$4,233$3,822$3,448$3,107$2,873
11 years$4,214$3,769$3,365$3,000$2,672$2,448
12 years$3,824$3,383$2,986$2,632$2,316$2,102
13 years$3,493$3,057$2,668$2,323$2,019$1,816
14 years$3,210$2,779$2,397$2,063$1,770$1,576
15 years$2,965$2,538$2,164$1,839$1,559$1,374
16 years$2,751$2,329$1,962$1,647$1,377$1,202
17 years$2,563$2,145$1,786$1,480$1,221$1,055
18 years$2,395$1,982$1,630$1,334$1,086$928
19 years$2,245$1,837$1,492$1,205$968$819
20 years$2,111$1,707$1,370$1,091$865$724
21 years$1,989$1,590$1,260$991$774$641
22 years$1,879$1,484$1,161$901$694$568
23 years$1,778$1,388$1,072$820$623$504
24 years$1,686$1,300$991$748$560$448
25 years$1,601$1,220$918$683$504$398
26 years$1,523$1,147$852$625$454$355
27 years$1,451$1,079$791$572$409$316
28 years$1,384$1,017$735$524$369$282
29 years$1,322$960$684$480$333$252
30 years$1,264$906$637$441$301$225
31 years$1,210$857$594$405$272$201
32 years$1,160$811$554$372$246$179
33 years$1,112$768$518$342$223$160
34 years$1,068$728$484$315$202$143
35 years$1,026$690$452$290$183$128
36 years$986$655$423$267$166$115
37 years$949$622$396$246$150$103
38 years$914$591$371$227$136$92
39 years$881$562$347$209$123$82
40 years$849$535$326$193$112$74
41 years$819$509$305$178$102$66
42 years$791$485$286$164$92$59
43 years$764$462$269$152$84$53
44 years$738$440$252$140$76$47
45 years$713$420$237$129$69$43
46 years$690$401$222$119$63$38
47 years$668$382$209$110$57$34
48 years$646$365$196$102$52$31
49 years$626$349$185$94$47$27
50 years$606$333$174$87$43$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $621,000, adding $5,561 every year, while hoping to spend $39,072 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: 34/40/26 Blend
34$621,000$621,000$621,000$621,000
35$690,078$657,165$647,540$707,944
36$718,894$647,794$627,660$712,447
37$749,339$636,654$605,805$713,389
38$781,539$623,617$581,867$713,637
39$815,630$608,549$555,733$713,152
40$851,761$591,305$527,287$711,901
41$890,095$571,733$496,406$709,847
42$930,810$549,673$462,960$706,955
43$974,101$524,955$426,817$703,191
44$1,020,180$497,398$387,836$698,521
45$1,069,281$466,813$345,871$692,914
46$1,121,658$432,998$300,769$686,340
47$1,177,593$395,741$252,371$678,771
48$1,237,391$354,816$200,509$670,185
49$1,301,389$309,986$145,010$660,559
50$1,369,955$260,999$85,691$649,878
51$1,443,492$207,590$22,364$638,132
52$1,522,446$149,479$0$625,315
53$1,607,301$86,370$0$623,975
54$1,698,594$17,949$0$629,015
55$1,796,909$0$0$634,304
56$1,902,892$0$0$664,637
57$2,017,251$0$0$705,963
58$2,140,762$0$0$750,669
59$2,274,280$0$0$799,076
60$2,418,745$0$0$851,533
61$2,575,189$0$0$908,425
62$2,744,747$0$0$970,177
63$2,928,666$0$0$1,037,254
64$3,128,320$0$0$1,110,169
65$3,345,218$0$0$1,189,484
66$3,581,021$0$0$1,275,822
67$3,837,554$0$0$1,369,864
68$4,116,830$0$0$1,472,361
69$4,421,058$0$0$1,584,140
70$4,752,674$0$0$1,706,111
71$5,114,355$0$0$1,839,275
72$5,509,051$0$0$1,984,735
73$5,940,006$0$0$2,143,704
74$6,410,793$0$0$2,317,519
75$6,925,345$0$0$2,507,650
76$7,487,991$0$0$2,715,718
77$8,103,500$0$0$2,943,506
78$8,777,120$0$0$3,192,977
79$9,514,632$0$0$3,466,296
80$10,322,401$0$0$3,765,843
81$11,207,437$0$0$4,094,243
82$12,177,459$0$0$4,454,385
83$13,240,970$0$0$4,849,450
84$14,407,332$0$0$5,282,945
85$15,686,862$0$0$5,758,731
86$17,090,917$0$0$6,281,059
87$18,632,012$0$0$6,854,616
88$20,323,930$0$0$7,484,562
89$22,181,855$0$0$8,176,581
90$24,222,511$0$0$8,936,937
91$26,464,326$0$0$9,772,529
92$28,927,595$0$0$10,690,958
93$31,634,681$0$0$11,700,599
94$34,610,218$0$0$12,810,676
95$37,881,348$0$0$14,031,355
96$41,477,970$0$0$15,373,834
97$45,433,029$0$0$16,850,450
98$49,782,820$0$0$18,474,799
99$54,567,331$0$0$20,261,859
100$59,830,623$0$0$22,228,131