Can I retire at age 35 with 625,000?

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 $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%20%
1 years$51,612$51,152$50,704$50,266$49,838$47,842
2 years$25,550$25,075$24,613$24,166$23,733$21,746
3 years$16,864$16,387$15,927$15,484$15,057$13,143
4 years$12,522$12,046$11,590$11,155$10,739$8,912
5 years$9,918$9,444$8,995$8,568$8,163$6,429
6 years$8,182$7,712$7,269$6,852$6,459$4,818
7 years$6,942$6,476$6,041$5,633$5,253$3,704
8 years$6,013$5,551$5,123$4,726$4,358$2,900
9 years$5,291$4,834$4,412$4,025$3,670$2,300
10 years$4,714$4,261$3,847$3,470$3,127$1,843
11 years$4,241$3,793$3,387$3,020$2,689$1,488
12 years$3,848$3,404$3,006$2,649$2,331$1,209
13 years$3,516$3,076$2,685$2,338$2,032$987
14 years$3,231$2,796$2,413$2,076$1,782$808
15 years$2,984$2,555$2,178$1,851$1,569$664
16 years$2,769$2,344$1,975$1,658$1,386$547
17 years$2,579$2,159$1,797$1,489$1,229$452
18 years$2,410$1,995$1,641$1,342$1,093$373
19 years$2,260$1,849$1,502$1,213$974$309
20 years$2,124$1,718$1,378$1,098$870$256
21 years$2,002$1,600$1,268$997$779$213
22 years$1,891$1,494$1,168$906$698$177
23 years$1,789$1,397$1,079$825$627$147
24 years$1,697$1,309$998$753$563$122
25 years$1,611$1,228$924$688$507$101
26 years$1,533$1,154$857$629$456$84
27 years$1,460$1,086$796$575$412$70
28 years$1,393$1,024$740$527$371$58
29 years$1,330$966$689$483$335$49
30 years$1,272$912$641$444$303$40
31 years$1,218$862$598$408$274$34
32 years$1,167$816$558$375$248$28
33 years$1,119$773$521$344$224$23
34 years$1,074$732$487$317$203$19
35 years$1,032$695$455$292$184$16
36 years$993$659$426$269$167$14
37 years$955$626$398$248$151$11
38 years$920$595$373$228$137$9
39 years$886$566$350$210$124$8
40 years$854$538$328$194$113$7
41 years$824$512$307$179$102$5
42 years$796$488$288$165$93$5
43 years$768$465$270$153$84$4
44 years$743$443$254$141$76$3
45 years$718$423$238$130$69$3
46 years$694$403$224$120$63$2
47 years$672$385$210$111$57$2
48 years$650$367$198$103$52$2
49 years$630$351$186$95$47$1
50 years$610$335$175$88$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $625,000, adding $3,821 every year, while hoping to spend $24,052 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: 45/32/23 Blend
34$625,000$625,000$625,000$625,000
35$692,691$659,566$649,879$719,115
36$737,755$666,294$646,059$744,859
37$786,608$672,545$641,304$770,109
38$839,614$678,271$635,559$797,009
39$897,168$683,420$628,764$825,722
40$959,708$687,936$620,856$856,433
41$1,027,714$691,761$611,771$889,345
42$1,101,716$694,832$601,441$924,683
43$1,182,295$697,083$589,793$962,696
44$1,270,091$698,442$576,753$1,003,661
45$1,365,810$698,835$562,243$1,047,882
46$1,470,226$698,182$546,182$1,095,699
47$1,584,193$696,397$528,483$1,147,485
48$1,708,651$693,391$509,058$1,203,656
49$1,844,634$689,068$487,812$1,264,669
50$1,993,281$683,326$464,648$1,331,034
51$2,155,846$676,059$439,464$1,403,310
52$2,333,708$667,153$412,152$1,482,119
53$2,528,389$656,485$382,602$1,568,147
54$2,741,561$643,930$350,695$1,662,155
55$2,975,068$629,350$316,311$1,764,981
56$3,230,940$612,602$279,322$1,877,555
57$3,511,411$593,536$239,595$2,000,901
58$3,818,944$571,988$196,991$2,136,153
59$4,156,251$547,790$151,365$2,284,566
60$4,526,318$520,761$102,565$2,447,523
61$4,932,435$490,711$50,433$2,626,555
62$5,378,226$457,438$0$2,823,352
63$5,867,682$420,729$0$3,041,056
64$6,405,200$380,360$0$3,293,746
65$6,995,623$336,090$0$3,571,354
66$7,644,288$287,670$0$3,876,439
67$8,357,074$234,834$0$4,211,829
68$9,140,454$177,300$0$4,580,640
69$10,001,565$114,772$0$4,986,309
70$10,948,266$46,938$0$5,432,629
71$11,989,217$0$0$5,923,783
72$13,133,957$0$0$6,473,729
73$14,392,999$0$0$7,096,847
74$15,777,924$0$0$7,782,351
75$17,301,491$0$0$8,536,568
76$18,977,761$0$0$9,366,467
77$20,822,222$0$0$10,279,731
78$22,851,944$0$0$11,284,820
79$25,085,732$0$0$12,391,061
80$27,544,307$0$0$13,608,726
81$30,250,501$0$0$14,949,137
82$33,229,472$0$0$16,424,769
83$36,508,942$0$0$18,049,365
84$40,119,454$0$0$19,838,072
85$44,094,666$0$0$21,807,579
86$48,471,665$0$0$23,976,276
87$53,291,318$0$0$26,364,426
88$58,598,654$0$0$28,994,358
89$64,443,296$0$0$31,890,677
90$70,879,919$0$0$35,080,495
91$77,968,775$0$0$38,593,690
92$85,776,256$0$0$42,463,183
93$94,375,522$0$0$46,725,251
94$103,847,192$0$0$51,419,871
95$114,280,100$0$0$56,591,095
96$125,772,141$0$0$62,287,465
97$138,431,187$0$0$68,562,474
98$152,376,110$0$0$75,475,066
99$167,737,901$0$0$83,090,199
100$184,660,907$0$0$91,479,450