Can I retire at age 35 with 636,000?

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 $636,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$52,520$52,052$51,596$51,151$50,716$49,855
2 years$26,000$25,516$25,047$24,592$24,150$23,286
3 years$17,161$16,675$16,207$15,756$15,322$14,481
4 years$12,743$12,258$11,794$11,351$10,928$10,116
5 years$10,092$9,610$9,153$8,719$8,307$7,527
6 years$8,326$7,848$7,397$6,973$6,573$5,826
7 years$7,065$6,590$6,147$5,733$5,346$4,632
8 years$6,119$5,649$5,213$4,809$4,435$3,754
9 years$5,384$4,919$4,490$4,096$3,735$3,086
10 years$4,796$4,335$3,914$3,531$3,182$2,566
11 years$4,316$3,860$3,446$3,073$2,737$2,152
12 years$3,916$3,464$3,058$2,695$2,372$1,817
13 years$3,578$3,131$2,733$2,380$2,068$1,543
14 years$3,288$2,846$2,455$2,112$1,813$1,317
15 years$3,037$2,600$2,217$1,884$1,596$1,128
16 years$2,818$2,385$2,010$1,687$1,411$969
17 years$2,624$2,197$1,829$1,516$1,251$835
18 years$2,453$2,030$1,669$1,366$1,112$721
19 years$2,299$1,881$1,528$1,234$991$624
20 years$2,162$1,748$1,403$1,118$885$541
21 years$2,037$1,628$1,290$1,014$792$470
22 years$1,924$1,520$1,189$922$710$408
23 years$1,821$1,422$1,098$840$638$355
24 years$1,726$1,332$1,015$766$573$310
25 years$1,640$1,250$940$700$516$270
26 years$1,560$1,175$872$640$465$235
27 years$1,486$1,106$810$586$419$205
28 years$1,418$1,042$753$537$378$179
29 years$1,354$983$701$492$341$157
30 years$1,295$928$653$452$308$137
31 years$1,239$877$608$415$279$120
32 years$1,188$830$568$381$252$105
33 years$1,139$786$530$350$228$92
34 years$1,093$745$495$322$207$80
35 years$1,051$707$463$297$187$70
36 years$1,010$671$433$273$170$61
37 years$972$637$405$252$154$54
38 years$936$605$380$232$139$47
39 years$902$576$356$214$126$41
40 years$870$548$333$197$115$36
41 years$839$521$313$182$104$32
42 years$810$497$293$168$94$28
43 years$782$473$275$155$86$24
44 years$756$451$258$143$78$21
45 years$731$430$243$132$71$19
46 years$707$410$228$122$64$16
47 years$684$392$214$113$58$14
48 years$662$374$201$104$53$13
49 years$641$357$189$96$48$11
50 years$621$341$178$89$44$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $636,000, adding $6,482 every year, while hoping to spend $27,626 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: 39/40/21 Blend
34$636,000$636,000$636,000$636,000
35$707,558$673,850$663,992$730,507
36$750,335$677,475$656,842$751,258
37$796,550$680,352$648,527$770,583
38$846,523$682,414$638,977$790,917
39$900,608$683,592$628,123$812,366
40$959,194$683,812$615,889$835,050
41$1,022,708$682,994$602,197$859,101
42$1,091,618$681,056$586,965$884,670
43$1,166,442$677,906$570,107$911,922
44$1,247,748$673,453$551,535$941,042
45$1,336,161$667,594$531,153$972,237
46$1,432,367$660,224$508,865$1,005,736
47$1,537,124$651,230$484,567$1,041,795
48$1,651,264$640,494$458,153$1,080,699
49$1,775,702$627,888$429,511$1,122,764
50$1,911,448$613,278$398,524$1,168,341
51$2,059,610$596,524$365,069$1,217,822
52$2,221,411$577,474$329,019$1,271,641
53$2,398,195$555,969$290,241$1,330,281
54$2,591,441$531,843$248,595$1,394,276
55$2,802,781$504,916$203,936$1,464,222
56$3,034,008$475,000$156,111$1,540,778
57$3,287,099$441,897$104,963$1,624,674
58$3,564,229$405,396$50,325$1,716,723
59$3,867,795$365,275$0$1,817,823
60$4,200,434$321,298$0$1,930,759
61$4,565,054$273,217$0$2,066,997
62$4,964,855$220,769$0$2,216,514
63$5,403,361$163,678$0$2,380,708
64$5,884,456$101,651$0$2,561,124
65$6,412,416$34,377$0$2,759,470
66$6,991,952$0$0$2,977,634
67$7,628,253$0$0$3,234,633
68$8,327,035$0$0$3,533,575
69$9,094,595$0$0$3,862,032
70$9,937,869$0$0$4,222,986
71$10,864,500$0$0$4,619,717
72$11,882,905$0$0$5,055,844
73$13,002,360$0$0$5,535,351
74$14,233,082$0$0$6,062,628
75$15,586,329$0$0$6,642,510
76$17,074,504$0$0$7,280,328
77$18,711,271$0$0$7,981,953
78$20,511,686$0$0$8,753,852
79$22,492,338$0$0$9,603,154
80$24,671,502$0$0$10,537,712
81$27,069,316$0$0$11,566,178
82$29,707,970$0$0$12,698,087
83$32,611,910$0$0$13,943,943
84$35,808,074$0$0$15,315,323
85$39,326,144$0$0$16,824,979
86$43,198,825$0$0$18,486,967
87$47,462,154$0$0$20,316,771
88$52,155,840$0$0$22,331,456
89$57,323,637$0$0$24,549,823
90$63,013,758$0$0$26,992,591
91$69,279,330$0$0$29,682,590
92$76,178,892$0$0$32,644,977
93$83,776,951$0$0$35,907,473
94$92,144,588$0$0$39,500,623
95$101,360,129$0$0$43,458,088
96$111,509,884$0$0$47,816,959
97$122,688,962$0$0$52,618,109
98$135,002,166$0$0$57,906,576
99$148,564,982$0$0$63,731,992
100$163,504,673$0$0$70,149,047