Can I retire at age 35 with 627,000?

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 $627,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$51,777$51,316$50,866$50,427$49,998$48,186
2 years$25,632$25,155$24,692$24,244$23,809$22,003
3 years$16,918$16,439$15,977$15,533$15,105$13,362
4 years$12,562$12,084$11,628$11,191$10,773$9,107
5 years$9,949$9,474$9,023$8,596$8,190$6,604
6 years$8,208$7,736$7,292$6,874$6,480$4,976
7 years$6,965$6,497$6,060$5,651$5,270$3,848
8 years$6,033$5,569$5,139$4,741$4,372$3,030
9 years$5,308$4,849$4,426$4,038$3,682$2,419
10 years$4,729$4,274$3,859$3,481$3,137$1,950
11 years$4,255$3,805$3,397$3,029$2,698$1,585
12 years$3,860$3,415$3,015$2,657$2,338$1,296
13 years$3,527$3,086$2,694$2,346$2,039$1,065
14 years$3,241$2,805$2,420$2,082$1,787$879
15 years$2,994$2,563$2,185$1,857$1,574$727
16 years$2,778$2,351$1,981$1,663$1,391$603
17 years$2,587$2,165$1,803$1,494$1,233$502
18 years$2,418$2,001$1,646$1,346$1,096$418
19 years$2,267$1,854$1,507$1,217$977$349
20 years$2,131$1,723$1,383$1,102$873$291
21 years$2,008$1,605$1,272$1,000$781$244
22 years$1,897$1,498$1,172$909$700$204
23 years$1,795$1,401$1,082$828$629$171
24 years$1,702$1,313$1,001$755$565$143
25 years$1,617$1,232$927$690$508$120
26 years$1,538$1,158$860$631$458$101
27 years$1,465$1,090$798$577$413$84
28 years$1,397$1,027$742$529$373$71
29 years$1,335$969$691$485$336$59
30 years$1,276$915$643$445$304$50
31 years$1,222$865$600$409$275$42
32 years$1,171$818$560$376$249$35
33 years$1,123$775$523$346$225$30
34 years$1,078$735$488$318$204$25
35 years$1,036$697$456$293$184$21
36 years$996$661$427$270$167$17
37 years$958$628$400$248$151$15
38 years$923$597$374$229$137$12
39 years$889$568$351$211$125$10
40 years$857$540$329$195$113$9
41 years$827$514$308$180$102$7
42 years$798$490$289$166$93$6
43 years$771$466$271$153$84$5
44 years$745$445$255$141$77$4
45 years$720$424$239$130$70$4
46 years$697$404$225$121$63$3
47 years$674$386$211$111$57$3
48 years$652$368$198$103$52$2
49 years$632$352$186$95$47$2
50 years$612$336$175$88$43$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $627,000, adding $4,587 every year, while hoping to spend $23,573 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: 48/43/9 Blend
34$627,000$627,000$627,000$627,000
35$695,685$662,454$652,736$727,172
36$741,564$669,833$649,521$756,647
37$791,332$676,784$645,409$785,782
38$845,361$683,259$640,343$816,871
39$904,061$689,212$634,268$850,102
40$967,881$694,589$627,121$885,684
41$1,037,316$699,335$618,841$923,849
42$1,112,911$703,392$609,361$964,851
43$1,195,265$706,695$598,612$1,008,972
44$1,285,038$709,178$586,521$1,056,526
45$1,382,954$710,771$573,012$1,107,856
46$1,489,814$711,397$558,007$1,163,343
47$1,606,496$710,977$541,421$1,223,410
48$1,733,969$709,424$523,168$1,288,521
49$1,873,297$706,650$503,158$1,359,191
50$2,025,655$702,557$481,295$1,435,988
51$2,192,333$697,044$457,480$1,519,542
52$2,374,754$690,002$431,609$1,610,545
53$2,574,485$681,318$403,573$1,709,764
54$2,793,250$670,870$373,260$1,818,047
55$3,032,947$658,529$340,551$1,936,329
56$3,295,670$644,159$305,322$2,065,645
57$3,583,722$627,616$267,443$2,207,134
58$3,899,639$608,747$226,780$2,362,059
59$4,246,217$587,390$183,192$2,531,811
60$4,626,533$563,374$136,531$2,717,928
61$5,043,979$536,519$86,644$2,922,108
62$5,502,289$506,632$33,370$3,146,224
63$6,005,576$473,511$0$3,392,347
64$6,558,374$436,942$0$3,665,015
65$7,165,674$396,698$0$3,968,062
66$7,832,977$352,540$0$4,301,082
67$8,566,341$304,215$0$4,667,164
68$9,372,442$251,456$0$5,069,720
69$10,258,634$193,980$0$5,512,512
70$11,233,019$131,490$0$5,999,691
71$12,304,523$63,669$0$6,535,836
72$13,482,981$0$0$7,126,001
73$14,779,229$0$0$7,780,401
74$16,205,206$0$0$8,533,513
75$17,774,064$0$0$9,362,168
76$19,500,298$0$0$10,274,029
77$21,399,876$0$0$11,277,543
78$23,490,393$0$0$12,382,016
79$25,791,237$0$0$13,597,701
80$28,323,768$0$0$14,935,896
81$31,111,525$0$0$16,409,052
82$34,180,444$0$0$18,030,884
83$37,559,102$0$0$19,816,509
84$41,278,989$0$0$21,782,582
85$45,374,803$0$0$23,947,455
86$49,884,779$0$0$26,331,350
87$54,851,048$0$0$28,956,553
88$60,320,034$0$0$31,847,618
89$66,342,892$0$0$35,031,603
90$72,975,995$0$0$38,538,323
91$80,281,457$0$0$42,400,634
92$88,327,726$0$0$46,654,739
93$97,190,228$0$0$51,340,535
94$106,952,076$0$0$56,501,982
95$117,704,860$0$0$62,187,526
96$129,549,502$0$0$68,450,548
97$142,597,219$0$0$75,349,876
98$156,970,564$0$0$82,950,332
99$172,804,585$0$0$91,323,351
100$190,248,102$0$0$100,547,647