Can I retire at age 35 with 637,000?

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 $637,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$52,603$52,134$51,677$51,231$50,795$49,130
2 years$26,041$25,556$25,086$24,630$24,188$22,526
3 years$17,188$16,701$16,232$15,781$15,346$13,740
4 years$12,763$12,277$11,813$11,369$10,945$9,407
5 years$10,108$9,625$9,167$8,733$8,320$6,854
6 years$8,339$7,860$7,409$6,984$6,583$5,190
7 years$7,076$6,601$6,157$5,742$5,354$4,034
8 years$6,129$5,658$5,221$4,816$4,442$3,194
9 years$5,393$4,926$4,497$4,103$3,741$2,563
10 years$4,804$4,342$3,921$3,536$3,187$2,078
11 years$4,323$3,866$3,452$3,078$2,741$1,699
12 years$3,922$3,470$3,063$2,700$2,375$1,398
13 years$3,583$3,136$2,737$2,383$2,071$1,156
14 years$3,293$2,850$2,459$2,116$1,816$959
15 years$3,042$2,604$2,220$1,887$1,599$799
16 years$2,822$2,389$2,013$1,689$1,413$668
17 years$2,629$2,200$1,832$1,518$1,253$559
18 years$2,457$2,033$1,672$1,368$1,114$469
19 years$2,303$1,884$1,531$1,236$993$394
20 years$2,165$1,751$1,405$1,120$887$331
21 years$2,040$1,631$1,292$1,016$794$279
22 years$1,927$1,522$1,191$924$711$235
23 years$1,824$1,424$1,100$841$639$198
24 years$1,729$1,334$1,017$767$574$167
25 years$1,642$1,252$942$701$516$141
26 years$1,562$1,177$874$641$465$119
27 years$1,488$1,107$811$586$419$101
28 years$1,420$1,043$754$537$378$85
29 years$1,356$984$702$493$342$72
30 years$1,297$930$654$452$309$61
31 years$1,241$879$609$415$279$51
32 years$1,189$831$569$382$253$44
33 years$1,141$787$531$351$229$37
34 years$1,095$746$496$323$207$31
35 years$1,052$708$464$297$187$26
36 years$1,012$672$434$274$170$22
37 years$974$638$406$252$154$19
38 years$937$606$380$233$140$16
39 years$903$577$356$214$127$14
40 years$871$549$334$198$115$11
41 years$840$522$313$182$104$10
42 years$811$497$294$168$94$8
43 years$783$474$276$155$86$7
44 years$757$452$259$144$78$6
45 years$732$431$243$133$71$5
46 years$708$411$228$122$64$4
47 years$685$392$214$113$58$4
48 years$663$374$201$105$53$3
49 years$642$357$189$97$48$3
50 years$622$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 $637,000, adding $4,291 every year, while hoping to spend $45,445 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: 66/24/10 Blend
34$637,000$637,000$637,000$637,000
35$706,400$672,639$662,766$751,255
36$730,100$657,245$636,615$766,264
37$754,694$639,574$608,066$776,878
38$780,225$619,466$576,988$787,303
39$806,740$596,752$543,250$797,516
40$834,288$571,253$506,709$807,494
41$862,922$542,781$467,220$817,212
42$892,697$511,134$424,629$826,646
43$923,675$476,103$378,777$835,770
44$955,920$437,462$329,496$844,557
45$989,503$394,976$276,613$852,981
46$1,024,497$348,395$219,944$861,015
47$1,060,983$297,454$159,300$868,632
48$1,099,049$241,875$94,483$875,803
49$1,138,788$181,363$25,283$882,501
50$1,180,301$115,606$0$888,700
51$1,223,696$44,275$0$899,555
52$1,269,093$0$0$913,073
53$1,316,618$0$0$935,264
54$1,366,410$0$0$970,775
55$1,418,620$0$0$1,008,022
56$1,473,408$0$0$1,047,123
57$1,530,954$0$0$1,088,204
58$1,591,447$0$0$1,131,406
59$1,655,098$0$0$1,176,878
60$1,722,132$0$0$1,224,786
61$1,792,798$0$0$1,275,308
62$1,867,364$0$0$1,328,640
63$1,946,125$0$0$1,384,994
64$2,029,400$0$0$1,444,602
65$2,117,540$0$0$1,507,719
66$2,210,926$0$0$1,574,619
67$2,309,975$0$0$1,645,606
68$2,415,144$0$0$1,721,011
69$2,526,930$0$0$1,801,196
70$2,645,881$0$0$1,886,555
71$2,772,592$0$0$1,977,522
72$2,907,718$0$0$2,074,573
73$3,051,975$0$0$2,178,225
74$3,206,148$0$0$2,289,050
75$3,371,097$0$0$2,407,671
76$3,547,765$0$0$2,534,773
77$3,737,187$0$0$2,671,107
78$3,940,498$0$0$2,817,498
79$4,158,943$0$0$2,974,850
80$4,393,890$0$0$3,144,155
81$4,646,840$0$0$3,326,505
82$4,919,441$0$0$3,523,096
83$5,213,504$0$0$3,735,244
84$5,531,018$0$0$3,964,395
85$5,874,169$0$0$4,212,135
86$6,245,360$0$0$4,480,211
87$6,647,231$0$0$4,770,542
88$7,082,685$0$0$5,085,237
89$7,554,916$0$0$5,426,616
90$8,067,432$0$0$5,797,230
91$8,624,095$0$0$6,199,885
92$9,229,152$0$0$6,637,669
93$9,887,275$0$0$7,113,976
94$10,603,604$0$0$7,632,543
95$11,383,795$0$0$8,197,483
96$12,234,072$0$0$8,813,318
97$13,161,286$0$0$9,485,028
98$14,172,974$0$0$10,218,095
99$15,277,435$0$0$11,018,550
100$16,483,804$0$0$11,893,036