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%13%
1 years$51,612$51,152$50,704$50,266$49,838$49,216
2 years$25,550$25,075$24,613$24,166$23,733$23,106
3 years$16,864$16,387$15,927$15,484$15,057$14,446
4 years$12,522$12,046$11,590$11,155$10,739$10,148
5 years$9,918$9,444$8,995$8,568$8,163$7,595
6 years$8,182$7,712$7,269$6,852$6,459$5,913
7 years$6,942$6,476$6,041$5,633$5,253$4,730
8 years$6,013$5,551$5,123$4,726$4,358$3,858
9 years$5,291$4,834$4,412$4,025$3,670$3,193
10 years$4,714$4,261$3,847$3,470$3,127$2,672
11 years$4,241$3,793$3,387$3,020$2,689$2,256
12 years$3,848$3,404$3,006$2,649$2,331$1,919
13 years$3,516$3,076$2,685$2,338$2,032$1,641
14 years$3,231$2,796$2,413$2,076$1,782$1,411
15 years$2,984$2,555$2,178$1,851$1,569$1,218
16 years$2,769$2,344$1,975$1,658$1,386$1,055
17 years$2,579$2,159$1,797$1,489$1,229$916
18 years$2,410$1,995$1,641$1,342$1,093$797
19 years$2,260$1,849$1,502$1,213$974$696
20 years$2,124$1,718$1,378$1,098$870$608
21 years$2,002$1,600$1,268$997$779$532
22 years$1,891$1,494$1,168$906$698$467
23 years$1,789$1,397$1,079$825$627$409
24 years$1,697$1,309$998$753$563$360
25 years$1,611$1,228$924$688$507$316
26 years$1,533$1,154$857$629$456$278
27 years$1,460$1,086$796$575$412$245
28 years$1,393$1,024$740$527$371$216
29 years$1,330$966$689$483$335$190
30 years$1,272$912$641$444$303$168
31 years$1,218$862$598$408$274$148
32 years$1,167$816$558$375$248$131
33 years$1,119$773$521$344$224$115
34 years$1,074$732$487$317$203$102
35 years$1,032$695$455$292$184$90
36 years$993$659$426$269$167$80
37 years$955$626$398$248$151$70
38 years$920$595$373$228$137$62
39 years$886$566$350$210$124$55
40 years$854$538$328$194$113$49
41 years$824$512$307$179$102$43
42 years$796$488$288$165$93$38
43 years$768$465$270$153$84$34
44 years$743$443$254$141$76$30
45 years$718$423$238$130$69$26
46 years$694$403$224$120$63$23
47 years$672$385$210$111$57$21
48 years$650$367$198$103$52$18
49 years$630$351$186$95$47$16
50 years$610$335$175$88$43$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $625,000, adding $5,307 every year, while hoping to spend $29,766 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: 57/20/23 Blend
34$625,000$625,000$625,000$625,000
35$694,224$661,099$651,412$729,198
36$733,364$661,822$641,563$754,404
37$775,499$661,583$630,387$778,239
38$820,902$660,303$617,808$803,578
39$869,875$657,899$603,745$830,573
40$922,749$654,282$588,117$859,394
41$979,886$649,359$570,835$890,229
42$1,041,686$643,029$551,810$923,286
43$1,108,588$635,188$530,946$958,796
44$1,181,075$625,723$508,143$997,016
45$1,259,677$614,515$483,298$1,038,228
46$1,344,977$601,439$456,302$1,082,748
47$1,437,617$586,363$427,041$1,130,923
48$1,538,304$569,144$395,396$1,183,140
49$1,647,813$549,634$361,244$1,239,825
50$1,766,999$527,675$324,455$1,301,452
51$1,896,802$503,100$284,893$1,368,543
52$2,038,256$475,733$242,417$1,441,678
53$2,192,500$445,386$196,880$1,521,497
54$2,360,786$411,861$148,127$1,608,710
55$2,544,495$374,950$95,998$1,704,101
56$2,745,143$334,433$40,323$1,808,538
57$2,964,402$290,075$0$1,922,979
58$3,204,112$241,629$0$2,053,170
59$3,466,299$188,837$0$2,206,465
60$3,753,193$131,421$0$2,374,299
61$4,067,250$69,092$0$2,558,154
62$4,411,175$1,543$0$2,759,664
63$4,787,946$0$0$2,980,631
64$5,200,842$0$0$3,238,791
65$5,653,477$0$0$3,522,225
66$6,149,828$0$0$3,833,091
67$6,694,277$0$0$4,174,141
68$7,291,651$0$0$4,548,405
69$7,947,265$0$0$4,959,221
70$8,666,976$0$0$5,410,268
71$9,457,233$0$0$5,905,596
72$10,325,143$0$0$6,449,666
73$11,278,533$0$0$7,047,396
74$12,326,026$0$0$7,704,199
75$13,477,121$0$0$8,426,042
76$14,742,284$0$0$9,219,498
77$16,133,044$0$0$10,091,807
78$17,662,103$0$0$11,050,948
79$19,343,457$0$0$12,105,708
80$21,192,523$0$0$13,265,773
81$23,226,288$0$0$14,541,810
82$25,463,470$0$0$15,945,576
83$27,924,690$0$0$17,490,021
84$30,632,668$0$0$19,189,417
85$33,612,439$0$0$21,059,487
86$36,891,587$0$0$23,117,555
87$40,500,504$0$0$25,382,711
88$44,472,679$0$0$27,875,989
89$48,845,012$0$0$30,620,565
90$53,658,160$0$0$33,641,976
91$58,956,924$0$0$36,968,362
92$64,790,670$0$0$40,630,728
93$71,213,792$0$0$44,663,242
94$78,286,229$0$0$49,103,549
95$86,074,026$0$0$53,993,134
96$94,649,960$0$0$59,377,709
97$104,094,225$0$0$65,307,645
98$114,495,190$0$0$71,838,446
99$125,950,229$0$0$79,031,277
100$138,566,642$0$0$86,953,533