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%18.7%
1 years$52,520$52,052$51,596$51,151$50,716$48,936
2 years$26,000$25,516$25,047$24,592$24,150$22,376
3 years$17,161$16,675$16,207$15,756$15,322$13,608
4 years$12,743$12,258$11,794$11,351$10,928$9,288
5 years$10,092$9,610$9,153$8,719$8,307$6,746
6 years$8,326$7,848$7,397$6,973$6,573$5,092
7 years$7,065$6,590$6,147$5,733$5,346$3,944
8 years$6,119$5,649$5,213$4,809$4,435$3,112
9 years$5,384$4,919$4,490$4,096$3,735$2,488
10 years$4,796$4,335$3,914$3,531$3,182$2,010
11 years$4,316$3,860$3,446$3,073$2,737$1,637
12 years$3,916$3,464$3,058$2,695$2,372$1,341
13 years$3,578$3,131$2,733$2,380$2,068$1,104
14 years$3,288$2,846$2,455$2,112$1,813$913
15 years$3,037$2,600$2,217$1,884$1,596$757
16 years$2,818$2,385$2,010$1,687$1,411$630
17 years$2,624$2,197$1,829$1,516$1,251$525
18 years$2,453$2,030$1,669$1,366$1,112$438
19 years$2,299$1,881$1,528$1,234$991$366
20 years$2,162$1,748$1,403$1,118$885$307
21 years$2,037$1,628$1,290$1,014$792$257
22 years$1,924$1,520$1,189$922$710$216
23 years$1,821$1,422$1,098$840$638$181
24 years$1,726$1,332$1,015$766$573$152
25 years$1,640$1,250$940$700$516$128
26 years$1,560$1,175$872$640$465$107
27 years$1,486$1,106$810$586$419$90
28 years$1,418$1,042$753$537$378$76
29 years$1,354$983$701$492$341$64
30 years$1,295$928$653$452$308$54
31 years$1,239$877$608$415$279$45
32 years$1,188$830$568$381$252$38
33 years$1,139$786$530$350$228$32
34 years$1,093$745$495$322$207$27
35 years$1,051$707$463$297$187$23
36 years$1,010$671$433$273$170$19
37 years$972$637$405$252$154$16
38 years$936$605$380$232$139$14
39 years$902$576$356$214$126$11
40 years$870$548$333$197$115$10
41 years$839$521$313$182$104$8
42 years$810$497$293$168$94$7
43 years$782$473$275$155$86$6
44 years$756$451$258$143$78$5
45 years$731$430$243$132$71$4
46 years$707$410$228$122$64$3
47 years$684$392$214$113$58$3
48 years$662$374$201$104$53$2
49 years$641$357$189$96$48$2
50 years$621$341$178$89$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $636,000, adding $5,240 every year, while hoping to spend $41,643 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: 47/38/15 Blend
34$636,000$636,000$636,000$636,000
35$706,277$672,569$662,711$736,258
36$734,009$661,217$640,604$746,229
37$763,175$647,913$616,361$752,373
38$793,876$632,518$589,866$758,133
39$826,223$614,883$560,998$763,488
40$860,337$594,852$529,631$768,420
41$896,352$572,260$495,634$772,910
42$934,410$546,931$458,868$776,942
43$974,669$518,680$419,189$780,502
44$1,017,300$487,310$376,447$783,575
45$1,062,491$452,614$330,484$786,154
46$1,110,446$414,373$281,136$788,230
47$1,161,389$372,355$228,232$789,801
48$1,215,566$326,316$171,593$790,869
49$1,273,243$275,995$111,031$791,440
50$1,334,715$221,120$46,351$791,527
51$1,400,302$161,401$0$791,149
52$1,470,357$96,534$0$793,964
53$1,545,265$26,195$0$804,533
54$1,625,449$0$0$815,511
55$1,711,372$0$0$847,885
56$1,803,544$0$0$894,412
57$1,902,522$0$0$944,425
58$2,008,919$0$0$998,242
59$2,123,407$0$0$1,056,209
60$2,246,724$0$0$1,118,707
61$2,379,682$0$0$1,186,155
62$2,523,171$0$0$1,259,012
63$2,678,170$0$0$1,337,786
64$2,845,755$0$0$1,423,030
65$3,027,106$0$0$1,515,356
66$3,223,525$0$0$1,615,435
67$3,436,440$0$0$1,724,006
68$3,667,422$0$0$1,841,881
69$3,918,198$0$0$1,969,953
70$4,190,670$0$0$2,109,205
71$4,486,927$0$0$2,260,717
72$4,809,270$0$0$2,425,680
73$5,160,230$0$0$2,605,401
74$5,542,590$0$0$2,801,321
75$5,959,416$0$0$3,015,025
76$6,414,080$0$0$3,248,258
77$6,910,293$0$0$3,502,941
78$7,452,143$0$0$3,781,187
79$8,044,127$0$0$4,085,324
80$8,691,197$0$0$4,417,914
81$9,398,805$0$0$4,781,779
82$10,172,954$0$0$5,180,026
83$11,020,253$0$0$5,616,074
84$11,947,981$0$0$6,093,691
85$12,964,153$0$0$6,617,026
86$14,077,595$0$0$7,190,646
87$15,298,028$0$0$7,819,585
88$16,636,156$0$0$8,509,383
89$18,103,773$0$0$9,266,146
90$19,713,865$0$0$10,096,595
91$21,480,736$0$0$11,008,137
92$23,420,144$0$0$12,008,930
93$25,549,445$0$0$13,107,959
94$27,887,759$0$0$14,315,124
95$30,456,148$0$0$15,641,330
96$33,277,813$0$0$17,098,590
97$36,378,315$0$0$18,700,138
98$39,785,812$0$0$20,460,555
99$43,531,326$0$0$22,395,905
100$47,649,035$0$0$24,523,884