Can I retire at age 35 with 625,000?

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 $625,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$51,612$51,152$50,704$50,266$49,838$48,515
2 years$25,550$25,075$24,613$24,166$23,733$22,409
3 years$16,864$16,387$15,927$15,484$15,057$13,774
4 years$12,522$12,046$11,590$11,155$10,739$9,507
5 years$9,918$9,444$8,995$8,568$8,163$6,985
6 years$8,182$7,712$7,269$6,852$6,459$5,336
7 years$6,942$6,476$6,041$5,633$5,253$4,185
8 years$6,013$5,551$5,123$4,726$4,358$3,345
9 years$5,291$4,834$4,412$4,025$3,670$2,711
10 years$4,714$4,261$3,847$3,470$3,127$2,220
11 years$4,241$3,793$3,387$3,020$2,689$1,834
12 years$3,848$3,404$3,006$2,649$2,331$1,525
13 years$3,516$3,076$2,685$2,338$2,032$1,274
14 years$3,231$2,796$2,413$2,076$1,782$1,070
15 years$2,984$2,555$2,178$1,851$1,569$901
16 years$2,769$2,344$1,975$1,658$1,386$761
17 years$2,579$2,159$1,797$1,489$1,229$645
18 years$2,410$1,995$1,641$1,342$1,093$547
19 years$2,260$1,849$1,502$1,213$974$465
20 years$2,124$1,718$1,378$1,098$870$396
21 years$2,002$1,600$1,268$997$779$338
22 years$1,891$1,494$1,168$906$698$288
23 years$1,789$1,397$1,079$825$627$246
24 years$1,697$1,309$998$753$563$210
25 years$1,611$1,228$924$688$507$180
26 years$1,533$1,154$857$629$456$154
27 years$1,460$1,086$796$575$412$132
28 years$1,393$1,024$740$527$371$113
29 years$1,330$966$689$483$335$97
30 years$1,272$912$641$444$303$83
31 years$1,218$862$598$408$274$71
32 years$1,167$816$558$375$248$61
33 years$1,119$773$521$344$224$52
34 years$1,074$732$487$317$203$45
35 years$1,032$695$455$292$184$38
36 years$993$659$426$269$167$33
37 years$955$626$398$248$151$28
38 years$920$595$373$228$137$24
39 years$886$566$350$210$124$21
40 years$854$538$328$194$113$18
41 years$824$512$307$179$102$15
42 years$796$488$288$165$93$13
43 years$768$465$270$153$84$11
44 years$743$443$254$141$76$10
45 years$718$423$238$130$69$8
46 years$694$403$224$120$63$7
47 years$672$385$210$111$57$6
48 years$650$367$198$103$52$5
49 years$630$351$186$95$47$5
50 years$610$335$175$88$43$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $625,000, adding $6,761 every year, while hoping to spend $41,384 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: 52/43/5 Blend
34$625,000$625,000$625,000$625,000
35$695,724$662,599$652,911$730,767
36$722,656$651,034$630,752$743,704
37$750,947$637,515$606,463$752,668
38$780,694$621,904$579,929$761,409
39$811,999$604,051$551,031$769,914
40$844,975$583,802$519,643$778,170
41$879,744$560,990$485,632$786,166
42$916,440$535,440$448,863$793,892
43$955,208$506,968$409,191$801,342
44$996,207$475,378$366,467$808,509
45$1,039,611$440,462$320,535$815,393
46$1,085,608$402,001$271,229$821,994
47$1,134,406$359,765$218,381$828,318
48$1,186,230$313,508$161,811$834,374
49$1,241,327$262,972$101,334$840,180
50$1,299,969$207,884$36,755$845,755
51$1,362,451$147,956$0$851,131
52$1,429,098$82,882$0$858,060
53$1,500,264$12,342$0$867,077
54$1,576,340$0$0$876,291
55$1,657,751$0$0$916,068
56$1,744,966$0$0$964,978
57$1,838,498$0$0$1,017,474
58$1,938,909$0$0$1,073,878
59$2,046,818$0$0$1,134,543
60$2,162,904$0$0$1,199,856
61$2,287,911$0$0$1,270,243
62$2,422,656$0$0$1,346,171
63$2,568,039$0$0$1,428,155
64$2,725,047$0$0$1,516,759
65$2,894,764$0$0$1,612,602
66$3,078,382$0$0$1,716,367
67$3,277,213$0$0$1,828,804
68$3,492,697$0$0$1,950,736
69$3,726,419$0$0$2,083,070
70$3,980,120$0$0$2,226,803
71$4,255,717$0$0$2,383,031
72$4,555,319$0$0$2,552,962
73$4,881,243$0$0$2,737,921
74$5,236,043$0$0$2,939,369
75$5,622,524$0$0$3,158,914
76$6,043,778$0$0$3,398,324
77$6,503,203$0$0$3,659,546
78$7,004,544$0$0$3,944,722
79$7,551,918$0$0$4,256,211
80$8,149,861$0$0$4,596,609
81$8,803,366$0$0$4,968,775
82$9,517,928$0$0$5,375,857
83$10,299,598$0$0$5,821,319
84$11,155,041$0$0$6,308,977
85$12,091,592$0$0$6,843,035
86$13,117,332$0$0$7,428,118
87$14,241,158$0$0$8,069,323
88$15,472,868$0$0$8,772,262
89$16,823,256$0$0$9,543,118
90$18,304,205$0$0$10,388,697
91$19,928,808$0$0$11,316,498
92$21,711,485$0$0$12,334,783
93$23,668,117$0$0$13,452,648
94$25,816,201$0$0$14,680,117
95$28,175,008$0$0$16,028,230
96$30,765,769$0$0$17,509,148
97$33,611,870$0$0$19,136,270
98$36,739,074$0$0$20,924,356
99$40,175,766$0$0$22,889,667
100$43,953,214$0$0$25,050,117