Can I retire at age 35 with 630,000?

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 $630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$52,025$51,561$51,109$50,668$50,237$49,425
2 years$25,755$25,275$24,810$24,360$23,922$23,107
3 years$16,999$16,518$16,054$15,607$15,177$14,383
4 years$12,622$12,142$11,683$11,244$10,825$10,058
5 years$9,997$9,520$9,067$8,637$8,229$7,492
6 years$8,247$7,773$7,327$6,907$6,511$5,805
7 years$6,998$6,528$6,089$5,678$5,295$4,620
8 years$6,061$5,596$5,164$4,764$4,393$3,749
9 years$5,333$4,872$4,448$4,057$3,699$3,086
10 years$4,751$4,295$3,878$3,498$3,152$2,568
11 years$4,275$3,823$3,414$3,044$2,711$2,157
12 years$3,879$3,432$3,030$2,670$2,349$1,824
13 years$3,544$3,101$2,707$2,357$2,049$1,551
14 years$3,257$2,819$2,432$2,092$1,796$1,325
15 years$3,008$2,575$2,196$1,866$1,581$1,137
16 years$2,791$2,363$1,991$1,671$1,397$978
17 years$2,600$2,176$1,812$1,501$1,239$844
18 years$2,430$2,011$1,654$1,353$1,102$730
19 years$2,278$1,863$1,514$1,222$982$633
20 years$2,141$1,732$1,389$1,107$877$549
21 years$2,018$1,613$1,278$1,005$785$478
22 years$1,906$1,506$1,178$914$704$416
23 years$1,804$1,408$1,088$832$632$362
24 years$1,710$1,319$1,006$759$568$316
25 years$1,624$1,238$932$693$511$276
26 years$1,545$1,164$864$634$460$241
27 years$1,472$1,095$802$580$415$211
28 years$1,404$1,032$746$531$374$184
29 years$1,341$973$694$487$338$161
30 years$1,282$919$646$447$305$141
31 years$1,228$869$603$411$276$124
32 years$1,176$822$562$378$250$108
33 years$1,128$779$525$347$226$95
34 years$1,083$738$491$319$205$83
35 years$1,041$700$459$294$185$73
36 years$1,001$664$429$271$168$64
37 years$963$631$402$250$152$56
38 years$927$600$376$230$138$49
39 years$893$570$352$212$125$43
40 years$861$543$330$196$114$38
41 years$831$517$310$180$103$33
42 years$802$492$290$167$93$29
43 years$775$469$273$154$85$26
44 years$749$447$256$142$77$22
45 years$724$426$240$131$70$20
46 years$700$406$226$121$63$17
47 years$677$388$212$112$58$15
48 years$656$370$199$103$52$13
49 years$635$354$187$96$48$12
50 years$615$338$176$88$43$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $630,000, adding $6,562 every year, while hoping to spend $31,672 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: 75/11/14 Blend
34$630,000$630,000$630,000$630,000
35$701,029$667,639$657,874$751,041
36$738,835$666,654$646,214$783,991
37$779,436$664,560$633,102$815,500
38$823,083$661,268$618,455$849,170
39$870,053$656,686$602,189$885,206
40$920,648$650,714$584,213$923,835
41$975,203$643,247$564,432$965,305
42$1,034,083$634,175$542,750$1,009,892
43$1,097,690$623,380$519,062$1,057,901
44$1,166,466$610,738$493,262$1,109,666
45$1,240,896$596,115$465,238$1,165,559
46$1,321,516$579,372$434,871$1,225,986
47$1,408,911$560,362$402,040$1,291,400
48$1,503,727$538,927$366,615$1,362,295
49$1,606,674$514,901$328,464$1,439,222
50$1,718,533$488,110$287,446$1,522,785
51$1,840,163$458,367$243,415$1,613,651
52$1,972,509$425,476$196,219$1,712,558
53$2,116,611$389,231$145,698$1,820,317
54$2,273,613$349,411$91,687$1,937,825
55$2,444,774$305,784$34,010$2,066,071
56$2,631,480$258,106$0$2,206,145
57$2,835,256$206,118$0$2,363,367
58$3,057,781$149,547$0$2,540,638
59$3,300,903$88,104$0$2,734,366
60$3,566,658$21,484$0$2,946,199
61$3,857,285$0$0$3,177,951
62$4,175,251$0$0$3,437,750
63$4,523,272$0$0$3,724,977
64$4,904,339$0$0$4,039,503
65$5,321,745$0$0$4,384,050
66$5,779,118$0$0$4,761,616
67$6,280,450$0$0$5,175,500
68$6,830,142$0$0$5,629,339
69$7,433,039$0$0$6,127,137
70$8,094,478$0$0$6,673,303
71$8,820,336$0$0$7,272,696
72$9,617,089$0$0$7,930,667
73$10,491,868$0$0$8,653,110
74$11,452,531$0$0$9,446,517
75$12,507,732$0$0$10,318,043
76$13,667,005$0$0$11,275,565
77$14,940,854$0$0$12,327,764
78$16,340,850$0$0$13,484,204
79$17,879,740$0$0$14,755,419
80$19,571,569$0$0$16,153,016
81$21,431,809$0$0$17,689,784
82$23,477,508$0$0$19,379,811
83$25,727,448$0$0$21,238,619
84$28,202,321$0$0$23,283,310
85$30,924,927$0$0$25,532,728
86$33,920,388$0$0$28,007,634
87$37,216,380$0$0$30,730,904
88$40,843,401$0$0$33,727,741
89$44,835,054$0$0$37,025,918
90$49,228,362$0$0$40,656,034
91$54,064,121$0$0$44,651,806
92$59,387,284$0$0$49,050,386
93$65,247,381$0$0$53,892,711
94$71,698,990$0$0$59,223,886
95$78,802,248$0$0$65,093,617
96$86,623,423$0$0$71,556,670
97$95,235,533$0$0$78,673,394
98$104,719,039$0$0$86,510,290
99$115,162,600$0$0$95,140,634
100$126,663,915$0$0$104,645,172