Can I retire at age 35 with 626,000?

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 $626,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$51,694$51,234$50,785$50,346$49,918$49,071
2 years$25,591$25,115$24,653$24,205$23,771$22,920
3 years$16,891$16,413$15,952$15,508$15,081$14,253
4 years$12,542$12,065$11,609$11,173$10,756$9,957
5 years$9,934$9,459$9,009$8,582$8,176$7,409
6 years$8,195$7,724$7,281$6,863$6,470$5,735
7 years$6,954$6,487$6,050$5,642$5,262$4,559
8 years$6,023$5,560$5,131$4,733$4,365$3,695
9 years$5,299$4,841$4,419$4,032$3,676$3,038
10 years$4,721$4,267$3,853$3,475$3,132$2,525
11 years$4,248$3,799$3,392$3,025$2,694$2,118
12 years$3,854$3,410$3,010$2,653$2,334$1,788
13 years$3,521$3,081$2,690$2,342$2,036$1,519
14 years$3,236$2,801$2,417$2,079$1,784$1,296
15 years$2,989$2,559$2,182$1,854$1,571$1,110
16 years$2,773$2,348$1,978$1,660$1,389$954
17 years$2,583$2,162$1,800$1,492$1,231$822
18 years$2,414$1,998$1,643$1,344$1,095$710
19 years$2,263$1,852$1,504$1,215$976$615
20 years$2,128$1,721$1,381$1,100$872$533
21 years$2,005$1,603$1,270$998$780$463
22 years$1,894$1,496$1,170$908$699$402
23 years$1,792$1,399$1,081$827$628$350
24 years$1,699$1,311$999$754$564$305
25 years$1,614$1,230$926$689$508$266
26 years$1,535$1,156$858$630$457$232
27 years$1,463$1,088$797$576$412$202
28 years$1,395$1,025$741$528$372$177
29 years$1,333$967$690$484$336$154
30 years$1,274$914$642$444$303$135
31 years$1,220$864$599$408$274$118
32 years$1,169$817$559$375$248$103
33 years$1,121$774$522$345$225$90
34 years$1,076$733$487$317$203$79
35 years$1,034$696$456$292$184$69
36 years$994$660$426$269$167$60
37 years$957$627$399$248$151$53
38 years$921$596$374$229$137$46
39 years$888$567$350$211$124$41
40 years$856$539$328$194$113$36
41 years$826$513$308$179$102$31
42 years$797$489$289$165$93$27
43 years$770$466$271$153$84$24
44 years$744$444$254$141$76$21
45 years$719$423$239$130$69$18
46 years$695$404$224$120$63$16
47 years$673$385$211$111$57$14
48 years$651$368$198$103$52$12
49 years$631$351$186$95$47$11
50 years$611$336$175$88$43$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $626,000, adding $6,784 every year, while hoping to spend $42,817 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: 59/30/11 Blend
34$626,000$626,000$626,000$626,000
35$696,850$663,672$653,969$735,732
36$722,371$650,635$630,320$749,663
37$749,061$635,524$604,443$759,432
38$776,993$618,192$576,220$769,046
39$806,247$598,484$545,524$778,495
40$836,911$576,236$512,225$787,768
41$869,077$551,273$476,186$796,857
42$902,848$523,411$437,264$805,753
43$938,336$492,455$395,309$814,451
44$975,660$458,199$350,166$822,946
45$1,014,952$420,426$301,672$831,237
46$1,056,355$378,905$249,655$839,325
47$1,100,024$333,392$193,940$847,215
48$1,146,129$283,631$134,339$854,914
49$1,194,855$229,349$70,660$862,436
50$1,246,403$170,260$2,700$869,799
51$1,300,993$106,060$0$877,026
52$1,358,867$36,429$0$892,344
53$1,420,286$0$0$908,467
54$1,485,539$0$0$938,017
55$1,554,940$0$0$982,263
56$1,628,833$0$0$1,029,401
57$1,707,595$0$0$1,079,677
58$1,791,638$0$0$1,133,357
59$1,881,414$0$0$1,190,735
60$1,977,419$0$0$1,252,131
61$2,080,195$0$0$1,317,897
62$2,190,339$0$0$1,388,420
63$2,308,503$0$0$1,464,124
64$2,435,405$0$0$1,545,473
65$2,571,830$0$0$1,632,978
66$2,718,644$0$0$1,727,199
67$2,876,793$0$0$1,828,752
68$3,047,321$0$0$1,938,313
69$3,231,371$0$0$2,056,624
70$3,430,201$0$0$2,184,502
71$3,645,192$0$0$2,322,844
72$3,877,863$0$0$2,472,636
73$4,129,884$0$0$2,634,961
74$4,403,090$0$0$2,811,013
75$4,699,500$0$0$3,002,101
76$5,021,333$0$0$3,209,668
77$5,371,032$0$0$3,435,299
78$5,751,281$0$0$3,680,740
79$6,165,037$0$0$3,947,909
80$6,615,550$0$0$4,238,919
81$7,106,399$0$0$4,556,094
82$7,641,520$0$0$4,901,992
83$8,225,247$0$0$5,279,429
84$8,862,350$0$0$5,691,504
85$9,558,078$0$0$6,141,627
86$10,318,211$0$0$6,633,556
87$11,149,111$0$0$7,171,424
88$12,057,784$0$0$7,759,784
89$13,051,943$0$0$8,403,648
90$14,140,081$0$0$9,108,535
91$15,331,549$0$0$9,880,525
92$16,636,646$0$0$10,726,309
93$18,066,713$0$0$11,653,259
94$19,634,241$0$0$12,669,493
95$21,352,985$0$0$13,783,953
96$23,238,097$0$0$15,006,486
97$25,306,264$0$0$16,347,939
98$27,575,867$0$0$17,820,261
99$30,067,153$0$0$19,436,611
100$32,802,425$0$0$21,211,488