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%19.2%
1 years$52,107$51,643$51,190$50,748$50,317$48,454
2 years$25,796$25,315$24,850$24,398$23,960$22,105
3 years$17,026$16,544$16,079$15,632$15,201$13,412
4 years$12,642$12,161$11,702$11,262$10,842$9,131
5 years$10,013$9,535$9,081$8,650$8,242$6,615
6 years$8,260$7,786$7,339$6,918$6,521$4,979
7 years$7,009$6,539$6,099$5,687$5,304$3,845
8 years$6,071$5,605$5,172$4,771$4,400$3,025
9 years$5,342$4,880$4,455$4,064$3,705$2,411
10 years$4,759$4,301$3,884$3,503$3,157$1,942
11 years$4,282$3,829$3,419$3,049$2,715$1,576
12 years$3,885$3,437$3,034$2,674$2,353$1,287
13 years$3,549$3,106$2,711$2,361$2,052$1,056
14 years$3,262$2,823$2,436$2,096$1,799$870
15 years$3,013$2,579$2,199$1,869$1,584$719
16 years$2,796$2,366$1,994$1,674$1,400$596
17 years$2,604$2,179$1,814$1,504$1,241$495
18 years$2,434$2,014$1,656$1,355$1,103$412
19 years$2,281$1,866$1,516$1,224$984$343
20 years$2,145$1,734$1,392$1,109$879$286
21 years$2,021$1,615$1,280$1,006$786$239
22 years$1,909$1,508$1,180$915$705$199
23 years$1,806$1,410$1,089$833$633$167
24 years$1,713$1,321$1,007$760$569$139
25 years$1,627$1,240$933$694$512$117
26 years$1,548$1,165$865$635$461$98
27 years$1,474$1,097$804$581$415$82
28 years$1,406$1,034$747$532$375$69
29 years$1,343$975$695$488$339$57
30 years$1,284$921$648$448$306$48
31 years$1,230$870$604$411$277$40
32 years$1,178$824$563$378$250$34
33 years$1,130$780$526$348$226$28
34 years$1,085$739$491$320$205$24
35 years$1,042$701$459$295$186$20
36 years$1,002$666$430$271$168$17
37 years$964$632$402$250$152$14
38 years$929$601$377$230$138$12
39 years$895$571$353$212$125$10
40 years$863$543$331$196$114$8
41 years$832$517$310$181$103$7
42 years$803$493$291$167$94$6
43 years$776$469$273$154$85$5
44 years$750$447$256$142$77$4
45 years$725$427$241$131$70$3
46 years$701$407$226$121$64$3
47 years$678$388$212$112$58$2
48 years$657$371$200$104$52$2
49 years$636$354$188$96$48$2
50 years$616$338$176$88$43$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $631,000, adding $2,127 every year, while hoping to spend $39,391 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: 72/14/14 Blend
34$631,000$631,000$631,000$631,000
35$697,556$664,113$654,333$745,489
36$726,795$654,743$634,341$768,169
37$757,696$643,593$612,359$787,981
38$790,387$630,536$588,280$808,634
39$825,008$615,433$561,989$830,201
40$861,712$598,142$533,368$852,765
41$900,665$578,509$502,294$876,420
42$942,049$556,373$468,637$901,266
43$986,064$531,561$432,262$927,417
44$1,032,928$503,893$393,029$955,001
45$1,082,880$473,178$350,789$984,156
46$1,136,183$439,212$305,389$1,015,040
47$1,193,122$401,781$256,668$1,047,824
48$1,254,011$360,660$204,457$1,082,700
49$1,319,196$315,608$148,582$1,119,882
50$1,389,054$266,373$88,860$1,159,607
51$1,463,999$212,687$25,099$1,202,135
52$1,544,487$154,268$0$1,247,757
53$1,631,016$90,818$0$1,303,212
54$1,724,134$22,023$0$1,366,858
55$1,824,443$0$0$1,435,372
56$1,932,603$0$0$1,517,307
57$2,049,341$0$0$1,609,424
58$2,175,454$0$0$1,708,964
59$2,311,818$0$0$1,816,622
60$2,459,398$0$0$1,933,160
61$2,619,251$0$0$2,059,420
62$2,792,543$0$0$2,196,325
63$2,980,553$0$0$2,344,889
64$3,184,691$0$0$2,506,230
65$3,406,504$0$0$2,681,576
66$3,647,697$0$0$2,872,278
67$3,910,144$0$0$3,079,822
68$4,195,908$0$0$3,305,845
69$4,507,258$0$0$3,552,147
70$4,846,692$0$0$3,820,709
71$5,216,958$0$0$4,113,710
72$5,621,082$0$0$4,433,551
73$6,062,395$0$0$4,782,873
74$6,544,563$0$0$5,164,585
75$7,071,622$0$0$5,581,889
76$7,648,015$0$0$6,038,308
77$8,278,636$0$0$6,537,725
78$8,968,871$0$0$7,084,413
79$9,724,654$0$0$7,683,078
80$10,552,516$0$0$8,338,902
81$11,459,653$0$0$9,057,593
82$12,453,988$0$0$9,845,437
83$13,544,246$0$0$10,709,356
84$14,740,039$0$0$11,656,974
85$16,051,953$0$0$12,696,691
86$17,491,648$0$0$13,837,756
87$19,071,967$0$0$15,090,358
88$20,807,058$0$0$16,465,723
89$22,712,505$0$0$17,976,213
90$24,805,476$0$0$19,635,449
91$27,104,884$0$0$21,458,435
92$29,631,563$0$0$23,461,702
93$32,408,465$0$0$25,663,458
94$35,460,877$0$0$28,083,767
95$38,816,659$0$0$30,744,730
96$42,506,501$0$0$33,670,699
97$46,564,219$0$0$36,888,502
98$51,027,069$0$0$40,427,697
99$55,936,099$0$0$44,320,852
100$61,336,535$0$0$48,603,850