Can I retire at age 35 with 631,000?

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 $631,000?

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%
1 years$52,107$51,643$51,190$50,748$50,317$49,667
2 years$25,796$25,315$24,850$24,398$23,960$23,307
3 years$17,026$16,544$16,079$15,632$15,201$14,565
4 years$12,642$12,161$11,702$11,262$10,842$10,226
5 years$10,013$9,535$9,081$8,650$8,242$7,649
6 years$8,260$7,786$7,339$6,918$6,521$5,953
7 years$7,009$6,539$6,099$5,687$5,304$4,759
8 years$6,071$5,605$5,172$4,771$4,400$3,879
9 years$5,342$4,880$4,455$4,064$3,705$3,208
10 years$4,759$4,301$3,884$3,503$3,157$2,683
11 years$4,282$3,829$3,419$3,049$2,715$2,264
12 years$3,885$3,437$3,034$2,674$2,353$1,925
13 years$3,549$3,106$2,711$2,361$2,052$1,645
14 years$3,262$2,823$2,436$2,096$1,799$1,413
15 years$3,013$2,579$2,199$1,869$1,584$1,219
16 years$2,796$2,366$1,994$1,674$1,400$1,055
17 years$2,604$2,179$1,814$1,504$1,241$915
18 years$2,434$2,014$1,656$1,355$1,103$796
19 years$2,281$1,866$1,516$1,224$984$694
20 years$2,145$1,734$1,392$1,109$879$606
21 years$2,021$1,615$1,280$1,006$786$530
22 years$1,909$1,508$1,180$915$705$465
23 years$1,806$1,410$1,089$833$633$407
24 years$1,713$1,321$1,007$760$569$358
25 years$1,627$1,240$933$694$512$314
26 years$1,548$1,165$865$635$461$276
27 years$1,474$1,097$804$581$415$243
28 years$1,406$1,034$747$532$375$214
29 years$1,343$975$695$488$339$189
30 years$1,284$921$648$448$306$166
31 years$1,230$870$604$411$277$146
32 years$1,178$824$563$378$250$129
33 years$1,130$780$526$348$226$114
34 years$1,085$739$491$320$205$101
35 years$1,042$701$459$295$186$89
36 years$1,002$666$430$271$168$78
37 years$964$632$402$250$152$69
38 years$929$601$377$230$138$61
39 years$895$571$353$212$125$54
40 years$863$543$331$196$114$48
41 years$832$517$310$181$103$42
42 years$803$493$291$167$94$37
43 years$776$469$273$154$85$33
44 years$750$447$256$142$77$29
45 years$725$427$241$131$70$26
46 years$701$407$226$121$64$23
47 years$678$388$212$112$58$20
48 years$657$371$200$104$52$18
49 years$636$354$188$96$48$16
50 years$616$338$176$88$43$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $631,000, adding $6,618 every year, while hoping to spend $27,488 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: 71/18/11 Blend
34$631,000$631,000$631,000$631,000
35$702,188$668,745$658,965$750,014
36$744,565$672,267$651,793$786,083
37$790,342$675,040$643,460$821,554
38$839,838$676,998$633,897$859,644
39$893,403$678,072$623,034$900,606
40$951,420$678,188$610,796$944,716
41$1,014,312$677,266$597,105$992,282
42$1,082,543$675,223$581,879$1,043,642
43$1,156,624$671,971$565,033$1,099,169
44$1,237,117$667,414$546,479$1,159,276
45$1,324,639$661,454$526,122$1,224,415
46$1,419,870$653,983$503,865$1,295,089
47$1,523,559$644,891$479,607$1,371,849
48$1,636,528$634,056$453,240$1,455,305
49$1,759,683$621,355$424,653$1,546,129
50$1,894,022$606,652$393,729$1,645,064
51$2,040,640$589,806$360,348$1,752,926
52$2,200,747$570,668$324,381$1,870,619
53$2,375,672$549,079$285,696$1,999,138
54$2,566,878$524,871$244,154$2,139,580
55$2,775,977$497,868$199,611$2,293,157
56$3,004,743$467,880$151,915$2,461,205
57$3,255,130$434,709$100,907$2,645,196
58$3,529,290$398,147$46,424$2,846,757
59$3,829,591$357,970$0$3,067,679
60$4,158,643$313,944$0$3,311,314
61$4,519,319$265,821$0$3,584,372
62$4,914,784$213,340$0$3,883,824
63$5,348,522$156,225$0$4,212,346
64$5,824,374$94,182$0$4,572,885
65$6,346,566$26,903$0$4,968,693
66$6,919,758$0$0$5,403,351
67$7,549,079$0$0$5,889,907
68$8,240,182$0$0$6,430,115
69$8,999,291$0$0$7,023,517
70$9,833,266$0$0$7,675,478
71$10,749,662$0$0$8,391,908
72$11,756,802$0$0$9,179,322
73$12,863,857$0$0$10,044,891
74$14,080,929$0$0$10,996,521
75$15,419,149$0$0$12,042,920
76$16,890,779$0$0$13,193,681
77$18,509,329$0$0$14,459,374
78$20,289,687$0$0$15,851,646
79$22,248,251$0$0$17,383,329
80$24,403,093$0$0$19,068,560
81$26,774,123$0$0$20,922,916
82$29,383,278$0$0$22,963,562
83$32,254,731$0$0$25,209,409
84$35,415,113$0$0$27,681,294
85$38,893,772$0$0$30,402,179
86$42,723,044$0$0$33,397,361
87$46,938,557$0$0$36,694,718
88$51,579,573$0$0$40,324,967
89$56,689,350$0$0$44,321,953
90$62,315,558$0$0$48,722,973
91$68,510,721$0$0$53,569,123
92$75,332,719$0$0$58,905,687
93$82,845,328$0$0$64,782,564
94$91,118,827$0$0$71,254,741
95$100,230,656$0$0$78,382,807
96$110,266,149$0$0$86,233,528
97$121,319,340$0$0$94,880,477
98$133,493,846$0$0$104,404,725
99$146,903,850$0$0$114,895,609
100$161,675,174$0$0$126,451,574