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%18.7%
1 years$52,273$51,807$51,353$50,909$50,476$48,705
2 years$25,877$25,396$24,928$24,476$24,036$22,270
3 years$17,080$16,596$16,130$15,682$15,250$13,544
4 years$12,683$12,200$11,739$11,298$10,876$9,245
5 years$10,045$9,565$9,110$8,678$8,268$6,715
6 years$8,287$7,811$7,362$6,940$6,542$5,068
7 years$7,031$6,559$6,118$5,706$5,320$3,926
8 years$6,090$5,622$5,188$4,786$4,414$3,097
9 years$5,359$4,895$4,469$4,077$3,717$2,476
10 years$4,774$4,315$3,896$3,514$3,167$2,001
11 years$4,296$3,841$3,430$3,058$2,724$1,629
12 years$3,897$3,448$3,044$2,683$2,360$1,335
13 years$3,561$3,116$2,720$2,368$2,058$1,099
14 years$3,272$2,832$2,444$2,102$1,804$909
15 years$3,023$2,587$2,206$1,875$1,589$754
16 years$2,804$2,374$2,000$1,679$1,404$627
17 years$2,612$2,186$1,820$1,508$1,245$522
18 years$2,441$2,020$1,662$1,359$1,107$436
19 years$2,289$1,872$1,521$1,228$987$365
20 years$2,151$1,740$1,396$1,112$881$305
21 years$2,027$1,621$1,284$1,010$789$256
22 years$1,915$1,513$1,183$918$707$215
23 years$1,812$1,415$1,093$836$635$180
24 years$1,718$1,326$1,011$763$570$151
25 years$1,632$1,244$936$696$513$127
26 years$1,552$1,169$868$637$462$107
27 years$1,479$1,100$806$583$417$90
28 years$1,411$1,037$749$534$376$76
29 years$1,348$978$697$490$340$64
30 years$1,289$924$650$449$307$54
31 years$1,233$873$606$413$277$45
32 years$1,182$826$565$379$251$38
33 years$1,134$782$528$349$227$32
34 years$1,088$742$493$321$206$27
35 years$1,046$703$461$295$186$23
36 years$1,005$668$431$272$169$19
37 years$967$634$403$251$153$16
38 years$932$603$378$231$139$14
39 years$898$573$354$213$126$11
40 years$865$545$332$197$114$10
41 years$835$519$311$181$103$8
42 years$806$494$292$167$94$7
43 years$778$471$274$154$85$6
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 $6,499 every year, while hoping to spend $30,685 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: 43/36/21 Blend
34$633,000$633,000$633,000$633,000
35$704,270$670,721$660,909$729,997
36$743,457$670,937$650,401$749,065
37$785,612$670,136$638,512$766,228
38$831,007$668,235$625,165$784,197
39$879,937$665,147$610,276$803,060
40$932,730$660,778$593,759$822,919
41$989,744$655,031$575,525$843,888
42$1,051,371$647,801$555,479$866,092
43$1,118,046$638,979$533,523$889,675
44$1,190,245$628,446$509,553$914,794
45$1,268,489$616,080$483,463$941,629
46$1,353,355$601,747$455,138$970,377
47$1,445,474$585,310$424,463$1,001,260
48$1,545,543$566,621$391,313$1,034,525
49$1,654,328$545,525$355,561$1,070,450
50$1,772,669$521,855$317,072$1,109,340
51$1,901,493$495,438$275,706$1,151,539
52$2,041,820$466,089$231,317$1,197,429
53$2,194,770$433,612$183,751$1,247,435
54$2,361,580$397,802$132,849$1,302,027
55$2,543,606$358,440$78,445$1,361,733
56$2,742,346$315,295$20,365$1,427,136
57$2,959,444$268,124$0$1,498,885
58$3,196,714$216,668$0$1,587,025
59$3,456,151$160,657$0$1,688,508
60$3,739,951$99,802$0$1,799,697
61$4,050,535$33,801$0$1,921,624
62$4,390,564$0$0$2,055,429
63$4,762,974$0$0$2,217,297
64$5,170,993$0$0$2,409,391
65$5,618,179$0$0$2,620,005
66$6,108,450$0$0$2,850,995
67$6,646,122$0$0$3,104,404
68$7,235,945$0$0$3,382,482
69$7,883,157$0$0$3,687,710
70$8,593,522$0$0$4,022,818
71$9,373,392$0$0$4,390,814
72$10,229,764$0$0$4,795,012
73$11,170,344$0$0$5,239,063
74$12,203,624$0$0$5,726,989
75$13,338,957$0$0$6,263,219
76$14,586,646$0$0$6,852,635
77$15,958,044$0$0$7,500,615
78$17,465,656$0$0$8,213,082
79$19,123,262$0$0$8,996,564
80$20,946,040$0$0$9,858,253
81$22,950,717$0$0$10,806,071
82$25,155,718$0$0$11,848,748
83$27,581,346$0$0$12,995,903
84$30,249,970$0$0$14,258,133
85$33,186,237$0$0$15,647,114
86$36,417,302$0$0$17,175,713
87$39,973,087$0$0$18,858,107
88$43,886,560$0$0$20,709,914
89$48,194,049$0$0$22,748,346
90$52,935,580$0$0$24,992,368
91$58,155,258$0$0$27,462,876
92$63,901,680$0$0$30,182,897
93$70,228,397$0$0$33,177,802
94$77,194,415$0$0$36,475,549
95$84,864,753$0$0$40,106,946
96$93,311,055$0$0$44,105,938
97$102,612,267$0$0$48,509,932
98$112,855,383$0$0$53,360,146
99$124,136,262$0$0$58,702,002
100$136,560,534$0$0$64,585,550