Can I retire at age 35 with 636,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%17.7%
1 years$52,520$52,052$51,596$51,151$50,716$49,131
2 years$26,000$25,516$25,047$24,592$24,150$22,568
3 years$17,161$16,675$16,207$15,756$15,322$13,792
4 years$12,743$12,258$11,794$11,351$10,928$9,461
5 years$10,092$9,610$9,153$8,719$8,307$6,908
6 years$8,326$7,848$7,397$6,973$6,573$5,243
7 years$7,065$6,590$6,147$5,733$5,346$4,084
8 years$6,119$5,649$5,213$4,809$4,435$3,241
9 years$5,384$4,919$4,490$4,096$3,735$2,608
10 years$4,796$4,335$3,914$3,531$3,182$2,120
11 years$4,316$3,860$3,446$3,073$2,737$1,737
12 years$3,916$3,464$3,058$2,695$2,372$1,433
13 years$3,578$3,131$2,733$2,380$2,068$1,188
14 years$3,288$2,846$2,455$2,112$1,813$989
15 years$3,037$2,600$2,217$1,884$1,596$826
16 years$2,818$2,385$2,010$1,687$1,411$692
17 years$2,624$2,197$1,829$1,516$1,251$581
18 years$2,453$2,030$1,669$1,366$1,112$489
19 years$2,299$1,881$1,528$1,234$991$412
20 years$2,162$1,748$1,403$1,118$885$347
21 years$2,037$1,628$1,290$1,014$792$293
22 years$1,924$1,520$1,189$922$710$248
23 years$1,821$1,422$1,098$840$638$210
24 years$1,726$1,332$1,015$766$573$178
25 years$1,640$1,250$940$700$516$150
26 years$1,560$1,175$872$640$465$127
27 years$1,486$1,106$810$586$419$108
28 years$1,418$1,042$753$537$378$92
29 years$1,354$983$701$492$341$78
30 years$1,295$928$653$452$308$66
31 years$1,239$877$608$415$279$56
32 years$1,188$830$568$381$252$48
33 years$1,139$786$530$350$228$40
34 years$1,093$745$495$322$207$34
35 years$1,051$707$463$297$187$29
36 years$1,010$671$433$273$170$25
37 years$972$637$405$252$154$21
38 years$936$605$380$232$139$18
39 years$902$576$356$214$126$15
40 years$870$548$333$197$115$13
41 years$839$521$313$182$104$11
42 years$810$497$293$168$94$9
43 years$782$473$275$155$86$8
44 years$756$451$258$143$78$7
45 years$731$430$243$132$71$6
46 years$707$410$228$122$64$5
47 years$684$392$214$113$58$4
48 years$662$374$201$104$53$3
49 years$641$357$189$96$48$3
50 years$621$341$178$89$44$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $636,000, adding $5,967 every year, while hoping to spend $29,421 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: 75/17/8 Blend
34$636,000$636,000$636,000$636,000
35$707,027$673,319$663,461$758,747
36$747,840$675,008$654,383$795,308
37$791,830$675,793$644,015$831,035
38$839,290$675,600$632,283$869,345
39$890,541$674,349$619,108$910,483
40$945,938$671,954$604,410$954,721
41$1,005,869$668,325$588,103$1,002,356
42$1,070,762$663,367$570,099$1,053,718
43$1,141,086$656,978$550,303$1,109,169
44$1,217,357$649,051$528,619$1,169,108
45$1,300,145$639,471$504,945$1,233,977
46$1,390,074$628,119$479,175$1,304,262
47$1,487,830$614,866$451,196$1,380,499
48$1,594,171$599,577$420,893$1,463,279
49$1,709,928$582,107$388,145$1,553,254
50$1,836,016$562,307$352,823$1,651,144
51$1,973,443$540,013$314,796$1,757,741
52$2,123,318$515,057$273,926$1,873,920
53$2,286,860$487,259$230,066$2,000,646
54$2,465,413$456,427$183,066$2,138,982
55$2,660,455$422,362$132,769$2,290,101
56$2,873,614$384,850$79,009$2,455,298
57$3,106,681$343,667$21,614$2,635,999
58$3,361,630$298,574$0$2,833,778
59$3,640,633$249,320$0$3,053,753
60$3,946,082$195,641$0$3,296,643
61$4,280,610$137,256$0$3,562,730
62$4,647,120$73,869$0$3,854,356
63$5,048,805$5,168$0$4,174,108
64$5,489,184$0$0$4,524,834
65$5,972,132$0$0$4,922,616
66$6,501,916$0$0$5,360,062
67$7,083,238$0$0$5,840,091
68$7,721,276$0$0$6,366,982
69$8,421,734$0$0$6,945,449
70$9,190,894$0$0$7,580,684
71$10,035,679$0$0$8,278,407
72$10,963,711$0$0$9,044,919
73$11,983,391$0$0$9,887,163
74$13,103,972$0$0$10,812,784
75$14,335,649$0$0$11,830,208
76$15,689,650$0$0$12,948,717
77$17,178,351$0$0$14,178,537
78$18,815,382$0$0$15,530,933
79$20,615,763$0$0$17,018,318
80$22,596,041$0$0$18,654,369
81$24,774,448$0$0$20,454,152
82$27,171,070$0$0$22,434,270
83$29,808,042$0$0$24,613,015
84$32,709,749$0$0$27,010,540
85$35,903,060$0$0$29,649,054
86$39,417,582$0$0$32,553,025
87$43,285,936$0$0$35,749,413
88$47,544,067$0$0$39,267,925
89$52,231,580$0$0$43,141,297
90$57,392,117$0$0$47,405,596
91$63,073,766$0$0$52,100,566
92$69,329,514$0$0$57,270,000
93$76,217,749$0$0$62,962,154
94$83,802,807$0$0$69,230,202
95$92,155,583$0$0$76,132,738
96$101,354,196$0$0$83,734,325
97$111,484,728$0$0$92,106,110
98$122,642,035$0$0$101,326,490
99$134,930,642$0$0$111,481,853
100$148,465,729$0$0$122,667,395