Can I retire at age 35 with 633,000?

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 $633,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$52,273$51,807$51,353$50,909$50,476$48,666
2 years$25,877$25,396$24,928$24,476$24,036$22,232
3 years$17,080$16,596$16,130$15,682$15,250$13,508
4 years$12,683$12,200$11,739$11,298$10,876$9,211
5 years$10,045$9,565$9,110$8,678$8,268$6,683
6 years$8,287$7,811$7,362$6,940$6,542$5,039
7 years$7,031$6,559$6,118$5,706$5,320$3,898
8 years$6,090$5,622$5,188$4,786$4,414$3,072
9 years$5,359$4,895$4,469$4,077$3,717$2,453
10 years$4,774$4,315$3,896$3,514$3,167$1,979
11 years$4,296$3,841$3,430$3,058$2,724$1,610
12 years$3,897$3,448$3,044$2,683$2,360$1,317
13 years$3,561$3,116$2,720$2,368$2,058$1,083
14 years$3,272$2,832$2,444$2,102$1,804$894
15 years$3,023$2,587$2,206$1,875$1,589$741
16 years$2,804$2,374$2,000$1,679$1,404$615
17 years$2,612$2,186$1,820$1,508$1,245$512
18 years$2,441$2,020$1,662$1,359$1,107$427
19 years$2,289$1,872$1,521$1,228$987$356
20 years$2,151$1,740$1,396$1,112$881$298
21 years$2,027$1,621$1,284$1,010$789$249
22 years$1,915$1,513$1,183$918$707$209
23 years$1,812$1,415$1,093$836$635$175
24 years$1,718$1,326$1,011$763$570$147
25 years$1,632$1,244$936$696$513$123
26 years$1,552$1,169$868$637$462$103
27 years$1,479$1,100$806$583$417$87
28 years$1,411$1,037$749$534$376$73
29 years$1,348$978$697$490$340$61
30 years$1,289$924$650$449$307$51
31 years$1,233$873$606$413$277$43
32 years$1,182$826$565$379$251$36
33 years$1,134$782$528$349$227$30
34 years$1,088$742$493$321$206$26
35 years$1,046$703$461$295$186$22
36 years$1,005$668$431$272$169$18
37 years$967$634$403$251$153$15
38 years$932$603$378$231$139$13
39 years$898$573$354$213$126$11
40 years$865$545$332$197$114$9
41 years$835$519$311$181$103$8
42 years$806$494$292$167$94$6
43 years$778$471$274$154$85$5
44 years$752$449$257$143$77$5
45 years$727$428$241$132$70$4
46 years$703$408$227$122$64$3
47 years$680$390$213$112$58$3
48 years$659$372$200$104$53$2
49 years$638$355$188$96$48$2
50 years$618$339$177$89$43$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $633,000, adding $3,080 every year, while hoping to spend $45,059 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: 62/12/26 Blend
34$633,000$633,000$633,000$633,000
35$700,743$667,194$657,383$739,160
36$724,276$651,944$631,462$750,333
37$748,700$634,437$603,164$757,330
38$774,057$614,514$572,359$763,991
39$800,394$592,008$538,916$770,290
40$827,759$566,741$502,695$776,203
41$856,206$538,528$463,551$781,702
42$885,791$507,168$421,332$786,761
43$916,575$472,452$375,880$791,352
44$948,623$434,159$327,029$795,447
45$982,004$392,054$274,606$799,018
46$1,016,793$345,890$218,430$802,037
47$1,053,071$295,404$158,313$804,475
48$1,090,926$240,320$94,058$806,304
49$1,130,451$180,346$25,459$807,497
50$1,171,747$115,173$0$808,026
51$1,214,924$44,475$0$821,111
52$1,260,101$0$0$841,881
53$1,307,405$0$0$867,542
54$1,356,975$0$0$900,600
55$1,408,962$0$0$935,283
56$1,463,530$0$0$971,704
57$1,520,855$0$0$1,009,981
58$1,581,131$0$0$1,050,247
59$1,644,567$0$0$1,092,643
60$1,711,392$0$0$1,137,324
61$1,781,854$0$0$1,184,459
62$1,856,224$0$0$1,234,233
63$1,934,797$0$0$1,286,846
64$2,017,896$0$0$1,342,517
65$2,105,872$0$0$1,401,486
66$2,199,109$0$0$1,464,013
67$2,298,027$0$0$1,530,385
68$2,403,085$0$0$1,600,914
69$2,514,785$0$0$1,675,941
70$2,633,675$0$0$1,755,840
71$2,760,357$0$0$1,841,022
72$2,895,490$0$0$1,931,933
73$3,039,793$0$0$2,029,066
74$3,194,058$0$0$2,132,959
75$3,359,151$0$0$2,244,202
76$3,536,020$0$0$2,363,443
77$3,725,709$0$0$2,491,392
78$3,929,360$0$0$2,628,829
79$4,148,228$0$0$2,776,608
80$4,383,690$0$0$2,935,670
81$4,637,257$0$0$3,107,045
82$4,910,591$0$0$3,291,866
83$5,205,516$0$0$3,491,378
84$5,524,035$0$0$3,706,948
85$5,868,351$0$0$3,940,079
86$6,240,885$0$0$4,192,422
87$6,644,297$0$0$4,465,794
88$7,081,512$0$0$4,762,191
89$7,555,748$0$0$5,083,808
90$8,070,541$0$0$5,433,060
91$8,629,783$0$0$5,812,603
92$9,237,752$0$0$6,225,358
93$9,899,158$0$0$6,674,540
94$10,619,181$0$0$7,163,687
95$11,403,521$0$0$7,696,688
96$12,258,451$0$0$8,277,829
97$13,190,874$0$0$8,911,823
98$14,208,390$0$0$9,603,858
99$15,319,361$0$0$10,359,645
100$16,532,996$0$0$11,185,474