Can I retire at age 35 with 639,000?

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 $639,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$52,768$52,298$51,839$51,392$50,955$50,235
2 years$26,123$25,636$25,165$24,708$24,264$23,540
3 years$17,242$16,754$16,283$15,830$15,394$14,689
4 years$12,803$12,316$11,850$11,405$10,979$10,298
5 years$10,140$9,656$9,196$8,760$8,346$7,691
6 years$8,365$7,885$7,432$7,005$6,604$5,975
7 years$7,098$6,621$6,176$5,760$5,371$4,769
8 years$6,148$5,676$5,238$4,832$4,456$3,881
9 years$5,410$4,942$4,511$4,115$3,752$3,204
10 years$4,819$4,356$3,933$3,548$3,197$2,675
11 years$4,336$3,878$3,463$3,087$2,750$2,253
12 years$3,934$3,481$3,073$2,708$2,383$1,911
13 years$3,594$3,145$2,745$2,391$2,078$1,631
14 years$3,303$2,859$2,467$2,122$1,821$1,398
15 years$3,051$2,612$2,227$1,893$1,604$1,203
16 years$2,831$2,396$2,019$1,695$1,417$1,039
17 years$2,637$2,207$1,837$1,523$1,257$900
18 years$2,464$2,039$1,677$1,372$1,117$781
19 years$2,310$1,890$1,536$1,240$996$680
20 years$2,172$1,756$1,409$1,123$890$592
21 years$2,047$1,636$1,296$1,019$796$517
22 years$1,933$1,527$1,195$927$714$452
23 years$1,829$1,428$1,103$844$641$395
24 years$1,735$1,338$1,020$770$576$346
25 years$1,647$1,256$945$703$518$303
26 years$1,567$1,180$876$643$467$266
27 years$1,493$1,111$814$588$421$234
28 years$1,424$1,047$756$539$380$205
29 years$1,360$987$704$494$343$180
30 years$1,301$932$656$454$310$158
31 years$1,245$882$611$417$280$139
32 years$1,193$834$570$383$253$123
33 years$1,144$790$533$352$229$108
34 years$1,099$749$498$324$208$95
35 years$1,055$710$465$298$188$84
36 years$1,015$674$435$275$170$74
37 years$977$640$407$253$154$65
38 years$940$608$381$233$140$57
39 years$906$578$357$215$127$50
40 years$874$550$335$198$115$44
41 years$843$524$314$183$104$39
42 years$814$499$295$169$95$34
43 years$786$475$276$156$86$30
44 years$759$453$260$144$78$27
45 years$734$432$244$133$71$24
46 years$710$412$229$123$64$21
47 years$687$393$215$113$58$18
48 years$665$376$202$105$53$16
49 years$644$359$190$97$48$14
50 years$624$343$179$90$44$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $639,000, adding $5,180 every year, while hoping to spend $35,356 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: 64/27/9 Blend
34$639,000$639,000$639,000$639,000
35$709,521$675,654$665,750$753,266
36$744,274$671,143$650,434$778,576
37$781,386$665,225$633,420$801,589
38$821,062$657,795$614,614$825,817
39$863,524$648,741$593,917$851,378
40$909,016$637,942$571,226$878,399
41$957,807$625,272$546,433$907,026
42$1,010,191$610,598$519,426$937,416
43$1,066,490$593,778$490,087$969,746
44$1,127,060$574,661$458,293$1,004,213
45$1,192,290$553,089$423,915$1,041,034
46$1,262,606$528,893$386,819$1,080,451
47$1,338,479$501,896$346,864$1,122,732
48$1,420,424$471,909$303,905$1,168,173
49$1,509,008$438,733$257,786$1,217,103
50$1,604,854$402,158$208,349$1,269,889
51$1,708,648$361,962$155,427$1,326,934
52$1,821,141$317,910$98,845$1,388,687
53$1,943,162$269,752$38,422$1,455,645
54$2,075,622$217,227$0$1,528,358
55$2,219,522$160,058$0$1,609,938
56$2,375,963$97,951$0$1,702,658
57$2,546,158$30,597$0$1,803,592
58$2,731,440$0$0$1,913,586
59$2,933,277$0$0$2,046,156
60$3,153,283$0$0$2,200,609
61$3,393,234$0$0$2,369,107
62$3,655,088$0$0$2,553,028
63$3,940,997$0$0$2,753,892
64$4,253,331$0$0$2,973,368
65$4,594,698$0$0$3,213,296
66$4,967,973$0$0$3,475,700
67$5,376,317$0$0$3,762,812
68$5,823,213$0$0$4,077,085
69$6,312,495$0$0$4,421,224
70$6,848,386$0$0$4,798,205
71$7,435,537$0$0$5,211,309
72$8,079,069$0$0$5,664,145
73$8,784,622$0$0$6,160,690
74$9,558,408$0$0$6,705,326
75$10,407,270$0$0$7,302,876
76$11,338,743$0$0$7,958,655
77$12,361,129$0$0$8,678,516
78$13,483,573$0$0$9,468,908
79$14,716,147$0$0$10,336,932
80$16,069,946$0$0$11,290,415
81$17,557,195$0$0$12,337,975
82$19,191,359$0$0$13,489,108
83$20,987,272$0$0$14,754,275
84$22,961,278$0$0$16,145,002
85$25,131,382$0$0$17,673,985
86$27,517,419$0$0$19,355,213
87$30,141,246$0$0$21,204,099
88$33,026,940$0$0$23,237,623
89$36,201,031$0$0$25,474,494
90$39,692,747$0$0$27,935,324
91$43,534,293$0$0$30,642,826
92$47,761,153$0$0$33,622,023
93$52,412,423$0$0$36,900,487
94$57,531,181$0$0$40,508,599
95$63,164,892$0$0$44,479,832
96$69,365,856$0$0$48,851,071
97$76,191,699$0$0$53,662,957
98$83,705,920$0$0$58,960,271
99$91,978,486$0$0$64,792,357
100$101,086,492$0$0$71,213,587