Can I retire at age 35 with 635,000?

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 $635,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$52,438$51,971$51,515$51,070$50,636$50,254
2 years$25,959$25,476$25,007$24,553$24,112$23,727
3 years$17,134$16,649$16,181$15,731$15,298$14,921
4 years$12,723$12,239$11,776$11,334$10,911$10,546
5 years$10,076$9,595$9,139$8,705$8,294$7,942
6 years$8,313$7,835$7,385$6,962$6,563$6,224
7 years$7,053$6,580$6,137$5,724$5,337$5,012
8 years$6,110$5,640$5,205$4,801$4,428$4,116
9 years$5,376$4,911$4,483$4,090$3,729$3,430
10 years$4,789$4,329$3,908$3,525$3,177$2,891
11 years$4,309$3,854$3,441$3,068$2,732$2,460
12 years$3,910$3,459$3,054$2,691$2,368$2,108
13 years$3,572$3,126$2,728$2,376$2,065$1,817
14 years$3,283$2,841$2,451$2,109$1,810$1,574
15 years$3,032$2,595$2,213$1,881$1,594$1,370
16 years$2,813$2,381$2,007$1,684$1,409$1,196
17 years$2,620$2,193$1,826$1,513$1,249$1,048
18 years$2,449$2,027$1,667$1,364$1,110$920
19 years$2,296$1,878$1,526$1,232$990$810
20 years$2,158$1,745$1,400$1,116$884$714
21 years$2,034$1,626$1,288$1,013$791$630
22 years$1,921$1,517$1,187$921$709$558
23 years$1,818$1,419$1,096$839$637$494
24 years$1,724$1,330$1,014$765$572$438
25 years$1,637$1,248$939$699$515$389
26 years$1,557$1,173$871$639$464$345
27 years$1,484$1,104$809$585$418$307
28 years$1,415$1,040$752$536$377$273
29 years$1,352$981$700$491$341$243
30 years$1,293$927$652$451$308$216
31 years$1,237$876$607$414$278$193
32 years$1,186$829$567$381$252$172
33 years$1,137$785$529$350$228$153
34 years$1,092$744$494$322$206$137
35 years$1,049$706$462$296$187$122
36 years$1,009$670$432$273$169$109
37 years$970$636$405$251$153$97
38 years$934$605$379$232$139$87
39 years$900$575$355$214$126$78
40 years$868$547$333$197$114$69
41 years$838$521$312$182$104$62
42 years$808$496$293$168$94$55
43 years$781$472$275$155$85$49
44 years$754$450$258$143$78$44
45 years$729$429$242$132$70$39
46 years$705$410$227$122$64$35
47 years$683$391$214$113$58$32
48 years$661$373$201$104$53$28
49 years$640$356$189$96$48$25
50 years$620$340$177$89$44$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $635,000, adding $6,661 every year, while hoping to spend $26,041 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: 68/10/22 Blend
34$635,000$635,000$635,000$635,000
35$706,641$672,986$663,143$750,343
36$751,011$678,255$657,651$785,718
37$799,034$682,909$651,102$820,775
38$851,055$686,891$643,434$858,505
39$907,453$690,140$634,580$899,171
40$968,646$692,589$624,471$943,064
41$1,035,093$694,171$613,036$990,503
42$1,107,298$694,811$600,198$1,041,842
43$1,185,817$694,432$585,879$1,097,471
44$1,271,261$692,949$569,996$1,157,821
45$1,364,301$690,275$552,463$1,223,366
46$1,465,677$686,316$533,188$1,294,629
47$1,576,204$680,973$512,077$1,372,190
48$1,696,776$674,141$489,032$1,456,686
49$1,828,381$665,707$463,948$1,548,821
50$1,972,104$655,554$436,718$1,649,371
51$2,129,138$643,556$407,228$1,759,193
52$2,300,801$629,581$375,360$1,879,232
53$2,488,539$613,487$340,992$2,010,530
54$2,693,948$595,126$303,993$2,154,237
55$2,918,784$574,340$264,229$2,311,623
56$3,164,979$550,962$221,560$2,484,086
57$3,434,663$524,816$175,839$2,673,171
58$3,730,181$495,714$126,912$2,880,580
59$4,054,116$463,460$74,620$3,108,191
60$4,409,310$427,844$18,794$3,358,076
61$4,798,897$388,646$0$3,632,519
62$5,226,327$345,632$0$3,943,613
63$5,695,400$298,555$0$4,289,894
64$6,210,301$247,155$0$4,670,055
65$6,775,643$191,157$0$5,087,522
66$7,396,504$130,269$0$5,546,071
67$8,078,481$64,185$0$6,049,862
68$8,827,736$0$0$6,603,480
69$9,651,060$0$0$7,212,793
70$10,555,935$0$0$7,890,261
71$11,550,601$0$0$8,634,996
72$12,644,139$0$0$9,453,802
73$13,846,553$0$0$10,354,175
74$15,168,863$0$0$11,344,372
75$16,623,213$0$0$12,433,493
76$18,222,980$0$0$13,631,561
77$19,982,907$0$0$14,949,623
78$21,919,233$0$0$16,399,848
79$24,049,853$0$0$17,995,645
80$26,394,485$0$0$19,751,789
81$28,974,853$0$0$21,684,557
82$31,814,895$0$0$23,811,887
83$34,940,986$0$0$26,153,544
84$38,382,189$0$0$28,731,304
85$42,170,527$0$0$31,569,164
86$46,341,286$0$0$34,693,564
87$50,933,348$0$0$38,133,640
88$55,989,555$0$0$41,921,496
89$61,557,117$0$0$46,092,507
90$67,688,055$0$0$50,685,654
91$74,439,689$0$0$55,743,891
92$81,875,185$0$0$61,314,550
93$90,064,145$0$0$67,449,787
94$99,083,267$0$0$74,207,074
95$109,017,064$0$0$81,649,743
96$119,958,670$0$0$89,847,581
97$132,010,707$0$0$98,877,489
98$145,286,265$0$0$108,824,210
99$159,909,959$0$0$119,781,125
100$176,019,111$0$0$131,851,136