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%20%
1 years$52,603$52,134$51,677$51,231$50,795$48,761
2 years$26,041$25,556$25,086$24,630$24,188$22,164
3 years$17,188$16,701$16,232$15,781$15,346$13,396
4 years$12,763$12,277$11,813$11,369$10,945$9,084
5 years$10,108$9,625$9,167$8,733$8,320$6,552
6 years$8,339$7,860$7,409$6,984$6,583$4,910
7 years$7,076$6,601$6,157$5,742$5,354$3,775
8 years$6,129$5,658$5,221$4,816$4,442$2,955
9 years$5,393$4,926$4,497$4,103$3,741$2,344
10 years$4,804$4,342$3,921$3,536$3,187$1,878
11 years$4,323$3,866$3,452$3,078$2,741$1,517
12 years$3,922$3,470$3,063$2,700$2,375$1,232
13 years$3,583$3,136$2,737$2,383$2,071$1,005
14 years$3,293$2,850$2,459$2,116$1,816$824
15 years$3,042$2,604$2,220$1,887$1,599$677
16 years$2,822$2,389$2,013$1,689$1,413$558
17 years$2,629$2,200$1,832$1,518$1,253$460
18 years$2,457$2,033$1,672$1,368$1,114$381
19 years$2,303$1,884$1,531$1,236$993$315
20 years$2,165$1,751$1,405$1,120$887$261
21 years$2,040$1,631$1,292$1,016$794$217
22 years$1,927$1,522$1,191$924$711$180
23 years$1,824$1,424$1,100$841$639$149
24 years$1,729$1,334$1,017$767$574$124
25 years$1,642$1,252$942$701$516$103
26 years$1,562$1,177$874$641$465$86
27 years$1,488$1,107$811$586$419$72
28 years$1,420$1,043$754$537$378$60
29 years$1,356$984$702$493$342$50
30 years$1,297$930$654$452$309$41
31 years$1,241$879$609$415$279$34
32 years$1,189$831$569$382$253$29
33 years$1,141$787$531$351$229$24
34 years$1,095$746$496$323$207$20
35 years$1,052$708$464$297$187$17
36 years$1,012$672$434$274$170$14
37 years$974$638$406$252$154$11
38 years$937$606$380$233$140$10
39 years$903$577$356$214$127$8
40 years$871$549$334$198$115$7
41 years$840$522$313$182$104$6
42 years$811$497$294$168$94$5
43 years$783$474$276$155$86$4
44 years$757$452$259$144$78$3
45 years$732$431$243$133$71$3
46 years$708$411$228$122$64$2
47 years$685$392$214$113$58$2
48 years$663$374$201$105$53$2
49 years$642$357$189$97$48$1
50 years$622$341$178$89$44$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $637,000, adding $5,712 every year, while hoping to spend $36,350 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: 41/50/9 Blend
34$637,000$637,000$637,000$637,000
35$707,866$674,105$664,231$734,771
36$741,392$668,460$647,807$748,520
37$777,120$661,320$629,614$759,310
38$815,235$652,574$609,555$770,165
39$855,941$642,102$587,528$781,106
40$899,463$629,781$563,426$792,158
41$946,045$615,477$537,137$803,353
42$995,955$599,049$508,545$814,726
43$1,049,488$580,348$477,527$826,322
44$1,106,969$559,218$443,957$838,192
45$1,168,751$535,491$407,700$850,397
46$1,235,224$508,990$368,619$863,008
47$1,306,816$479,530$326,567$876,107
48$1,383,997$446,913$281,393$889,788
49$1,467,283$410,930$232,937$904,160
50$1,557,241$371,360$181,036$919,349
51$1,654,493$327,971$125,514$935,499
52$1,759,726$280,515$66,193$952,771
53$1,873,691$228,734$2,884$971,353
54$1,997,216$172,351$0$991,457
55$2,131,212$111,076$0$1,019,532
56$2,276,679$44,602$0$1,050,340
57$2,434,719$0$0$1,083,930
58$2,606,542$0$0$1,135,742
59$2,793,480$0$0$1,218,883
60$2,997,000$0$0$1,309,475
61$3,218,715$0$0$1,408,244
62$3,460,399$0$0$1,515,991
63$3,724,006$0$0$1,633,598
64$4,011,686$0$0$1,762,035
65$4,325,806$0$0$1,902,369
66$4,668,972$0$0$2,055,777
67$5,044,052$0$0$2,223,552
68$5,454,204$0$0$2,407,120
69$5,902,904$0$0$2,608,050
70$6,393,981$0$0$2,828,070
71$6,931,651$0$0$3,069,083
72$7,520,556$0$0$3,333,185
73$8,165,809$0$0$3,622,683
74$8,873,039$0$0$3,940,120
75$9,648,448$0$0$4,288,295
76$10,498,865$0$0$4,670,292
77$11,431,812$0$0$5,089,507
78$12,455,575$0$0$5,549,682
79$13,579,279$0$0$6,054,937
80$14,812,979$0$0$6,609,813
81$16,167,746$0$0$7,219,310
82$17,655,782$0$0$7,888,937
83$19,290,523$0$0$8,624,765
84$21,086,774$0$0$9,433,478
85$23,060,844$0$0$10,322,443
86$25,230,701$0$0$11,299,775
87$27,616,139$0$0$12,374,415
88$30,238,966$0$0$13,556,213
89$33,123,211$0$0$14,856,022
90$36,295,344$0$0$16,285,799
91$39,784,533$0$0$17,858,720
92$43,622,911$0$0$19,589,299
93$47,845,885$0$0$21,493,530
94$52,492,465$0$0$23,589,036
95$57,605,635$0$0$25,895,233
96$63,232,755$0$0$28,433,516
97$69,426,009$0$0$31,227,458
98$76,242,895$0$0$34,303,035
99$83,746,770$0$0$37,688,867
100$92,007,443$0$0$41,416,492