Can I retire at age 35 with 626,000?

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 $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%11.5%
1 years$51,694$51,234$50,785$50,346$49,918$49,604
2 years$25,591$25,115$24,653$24,205$23,771$23,453
3 years$16,891$16,413$15,952$15,508$15,081$14,771
4 years$12,542$12,065$11,609$11,173$10,756$10,455
5 years$9,934$9,459$9,009$8,582$8,176$7,886
6 years$8,195$7,724$7,281$6,863$6,470$6,190
7 years$6,954$6,487$6,050$5,642$5,262$4,993
8 years$6,023$5,560$5,131$4,733$4,365$4,107
9 years$5,299$4,841$4,419$4,032$3,676$3,429
10 years$4,721$4,267$3,853$3,475$3,132$2,896
11 years$4,248$3,799$3,392$3,025$2,694$2,468
12 years$3,854$3,410$3,010$2,653$2,334$2,119
13 years$3,521$3,081$2,690$2,342$2,036$1,830
14 years$3,236$2,801$2,417$2,079$1,784$1,589
15 years$2,989$2,559$2,182$1,854$1,571$1,385
16 years$2,773$2,348$1,978$1,660$1,389$1,212
17 years$2,583$2,162$1,800$1,492$1,231$1,064
18 years$2,414$1,998$1,643$1,344$1,095$936
19 years$2,263$1,852$1,504$1,215$976$825
20 years$2,128$1,721$1,381$1,100$872$729
21 years$2,005$1,603$1,270$998$780$646
22 years$1,894$1,496$1,170$908$699$572
23 years$1,792$1,399$1,081$827$628$508
24 years$1,699$1,311$999$754$564$452
25 years$1,614$1,230$926$689$508$402
26 years$1,535$1,156$858$630$457$358
27 years$1,463$1,088$797$576$412$319
28 years$1,395$1,025$741$528$372$284
29 years$1,333$967$690$484$336$254
30 years$1,274$914$642$444$303$226
31 years$1,220$864$599$408$274$202
32 years$1,169$817$559$375$248$181
33 years$1,121$774$522$345$225$162
34 years$1,076$733$487$317$203$144
35 years$1,034$696$456$292$184$129
36 years$994$660$426$269$167$116
37 years$957$627$399$248$151$103
38 years$921$596$374$229$137$93
39 years$888$567$350$211$124$83
40 years$856$539$328$194$113$74
41 years$826$513$308$179$102$67
42 years$797$489$289$165$93$60
43 years$770$466$271$153$84$53
44 years$744$444$254$141$76$48
45 years$719$423$239$130$69$43
46 years$695$404$224$120$63$38
47 years$673$385$211$111$57$34
48 years$651$368$198$103$52$31
49 years$631$351$186$95$47$28
50 years$611$336$175$88$43$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $626,000, adding $4,061 every year, while hoping to spend $33,925 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: 42/37/21 Blend
34$626,000$626,000$626,000$626,000
35$694,041$660,863$651,160$718,770
36$728,737$657,149$636,878$733,028
37$765,835$652,117$620,980$744,872
38$805,545$645,665$603,377$757,006
39$848,095$637,687$583,975$769,475
40$893,737$628,070$562,675$782,329
41$942,747$616,694$539,374$795,628
42$995,429$603,434$513,964$809,440
43$1,052,115$588,154$486,334$823,843
44$1,113,170$570,713$456,365$838,924
45$1,178,996$550,960$423,936$854,784
46$1,250,032$528,736$388,917$871,539
47$1,326,764$503,873$351,174$889,317
48$1,409,723$476,192$310,567$908,266
49$1,499,494$445,505$266,951$928,551
50$1,596,721$411,612$220,172$950,360
51$1,702,109$374,304$170,070$973,903
52$1,816,436$333,357$116,479$999,417
53$1,940,557$288,536$59,226$1,027,170
54$2,075,412$239,592$0$1,057,460
55$2,222,035$186,264$0$1,091,044
56$2,381,564$128,272$0$1,142,067
57$2,555,251$65,324$0$1,197,709
58$2,744,473$0$0$1,258,488
59$2,950,746$0$0$1,326,154
60$3,175,738$0$0$1,429,043
61$3,421,286$0$0$1,541,407
62$3,689,411$0$0$1,664,180
63$3,982,339$0$0$1,798,391
64$4,302,518$0$0$1,945,171
65$4,652,646$0$0$2,105,769
66$5,035,691$0$0$2,281,556
67$5,454,925$0$0$2,474,046
68$5,913,946$0$0$2,684,902
69$6,416,720$0$0$2,915,958
70$6,967,613$0$0$3,169,234
71$7,571,434$0$0$3,446,953
72$8,233,477$0$0$3,751,564
73$8,959,576$0$0$4,085,767
74$9,756,155$0$0$4,452,531
75$10,630,291$0$0$4,855,131
76$11,589,777$0$0$5,297,173
77$12,643,199$0$0$5,782,627
78$13,800,015$0$0$6,315,869
79$15,070,643$0$0$6,901,720
80$16,466,561$0$0$7,545,489
81$18,000,412$0$0$8,253,026
82$19,686,125$0$0$9,030,775
83$21,539,045$0$0$9,885,837
84$23,576,079$0$0$10,826,034
85$25,815,851$0$0$11,859,984
86$28,278,884$0$0$12,997,182
87$30,987,784$0$0$14,248,090
88$33,967,464$0$0$15,624,235
89$37,245,366$0$0$17,138,315
90$40,851,731$0$0$18,804,325
91$44,819,876$0$0$20,637,681
92$49,186,512$0$0$22,655,372
93$53,992,088$0$0$24,876,116
94$59,281,172$0$0$27,320,538
95$65,102,872$0$0$30,011,363
96$71,511,299$0$0$32,973,633
97$78,566,075$0$0$36,234,939
98$86,332,897$0$0$39,825,684
99$94,884,158$0$0$43,779,372
100$104,299,625$0$0$48,132,917