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%14.2%
1 years$52,520$52,052$51,596$51,151$50,716$49,834
2 years$26,000$25,516$25,047$24,592$24,150$23,265
3 years$17,161$16,675$16,207$15,756$15,322$14,461
4 years$12,743$12,258$11,794$11,351$10,928$10,097
5 years$10,092$9,610$9,153$8,719$8,307$7,509
6 years$8,326$7,848$7,397$6,973$6,573$5,809
7 years$7,065$6,590$6,147$5,733$5,346$4,616
8 years$6,119$5,649$5,213$4,809$4,435$3,738
9 years$5,384$4,919$4,490$4,096$3,735$3,072
10 years$4,796$4,335$3,914$3,531$3,182$2,552
11 years$4,316$3,860$3,446$3,073$2,737$2,139
12 years$3,916$3,464$3,058$2,695$2,372$1,805
13 years$3,578$3,131$2,733$2,380$2,068$1,532
14 years$3,288$2,846$2,455$2,112$1,813$1,306
15 years$3,037$2,600$2,217$1,884$1,596$1,118
16 years$2,818$2,385$2,010$1,687$1,411$960
17 years$2,624$2,197$1,829$1,516$1,251$827
18 years$2,453$2,030$1,669$1,366$1,112$714
19 years$2,299$1,881$1,528$1,234$991$617
20 years$2,162$1,748$1,403$1,118$885$535
21 years$2,037$1,628$1,290$1,014$792$464
22 years$1,924$1,520$1,189$922$710$403
23 years$1,821$1,422$1,098$840$638$350
24 years$1,726$1,332$1,015$766$573$305
25 years$1,640$1,250$940$700$516$266
26 years$1,560$1,175$872$640$465$231
27 years$1,486$1,106$810$586$419$202
28 years$1,418$1,042$753$537$378$176
29 years$1,354$983$701$492$341$154
30 years$1,295$928$653$452$308$134
31 years$1,239$877$608$415$279$117
32 years$1,188$830$568$381$252$103
33 years$1,139$786$530$350$228$90
34 years$1,093$745$495$322$207$78
35 years$1,051$707$463$297$187$68
36 years$1,010$671$433$273$170$60
37 years$972$637$405$252$154$52
38 years$936$605$380$232$139$46
39 years$902$576$356$214$126$40
40 years$870$548$333$197$115$35
41 years$839$521$313$182$104$31
42 years$810$497$293$168$94$27
43 years$782$473$275$155$86$24
44 years$756$451$258$143$78$21
45 years$731$430$243$132$71$18
46 years$707$410$228$122$64$16
47 years$684$392$214$113$58$14
48 years$662$374$201$104$53$12
49 years$641$357$189$96$48$11
50 years$621$341$178$89$44$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $636,000, adding $4,992 every year, while hoping to spend $54,879 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: 38/48/14 Blend
34$636,000$636,000$636,000$636,000
35$706,021$672,313$662,455$729,682
36$719,645$646,866$626,257$721,592
37$732,818$618,332$587,006$707,185
38$745,438$586,503$544,543$690,426
39$757,389$551,157$498,701$671,132
40$768,539$512,061$449,305$649,103
41$778,745$468,966$396,171$624,130
42$787,844$421,613$339,110$595,984
43$795,655$369,723$277,921$564,422
44$801,978$313,006$212,398$529,184
45$806,588$251,152$142,322$489,989
46$809,238$183,835$67,467$446,535
47$809,649$110,712$0$398,500
48$807,515$31,419$0$347,391
49$802,496$0$0$301,856
50$794,211$0$0$280,191
51$782,242$0$0$273,529
52$766,123$0$0$265,076
53$745,339$0$0$254,617
54$719,319$0$0$241,909
55$687,430$0$0$226,687
56$648,973$0$0$208,656
57$603,173$0$0$187,489
58$549,174$0$0$162,826
59$486,028$0$0$134,267
60$412,687$0$0$101,374
61$327,994$0$0$63,657
62$230,669$0$0$20,580
63$119,296$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0