Can I retire at age 35 with 639,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%14.8%
1 years$52,768$52,298$51,839$51,392$50,955$49,946
2 years$26,123$25,636$25,165$24,708$24,264$23,253
3 years$17,242$16,754$16,283$15,830$15,394$14,411
4 years$12,803$12,316$11,850$11,405$10,979$10,032
5 years$10,140$9,656$9,196$8,760$8,346$7,437
6 years$8,365$7,885$7,432$7,005$6,604$5,735
7 years$7,098$6,621$6,176$5,760$5,371$4,541
8 years$6,148$5,676$5,238$4,832$4,456$3,665
9 years$5,410$4,942$4,511$4,115$3,752$3,001
10 years$4,819$4,356$3,933$3,548$3,197$2,484
11 years$4,336$3,878$3,463$3,087$2,750$2,074
12 years$3,934$3,481$3,073$2,708$2,383$1,744
13 years$3,594$3,145$2,745$2,391$2,078$1,474
14 years$3,303$2,859$2,467$2,122$1,821$1,252
15 years$3,051$2,612$2,227$1,893$1,604$1,067
16 years$2,831$2,396$2,019$1,695$1,417$913
17 years$2,637$2,207$1,837$1,523$1,257$782
18 years$2,464$2,039$1,677$1,372$1,117$672
19 years$2,310$1,890$1,536$1,240$996$579
20 years$2,172$1,756$1,409$1,123$890$499
21 years$2,047$1,636$1,296$1,019$796$431
22 years$1,933$1,527$1,195$927$714$373
23 years$1,829$1,428$1,103$844$641$323
24 years$1,735$1,338$1,020$770$576$279
25 years$1,647$1,256$945$703$518$242
26 years$1,567$1,180$876$643$467$210
27 years$1,493$1,111$814$588$421$182
28 years$1,424$1,047$756$539$380$158
29 years$1,360$987$704$494$343$138
30 years$1,301$932$656$454$310$120
31 years$1,245$882$611$417$280$104
32 years$1,193$834$570$383$253$90
33 years$1,144$790$533$352$229$79
34 years$1,099$749$498$324$208$68
35 years$1,055$710$465$298$188$59
36 years$1,015$674$435$275$170$52
37 years$977$640$407$253$154$45
38 years$940$608$381$233$140$39
39 years$906$578$357$215$127$34
40 years$874$550$335$198$115$30
41 years$843$524$314$183$104$26
42 years$814$499$295$169$95$23
43 years$786$475$276$156$86$20
44 years$759$453$260$144$78$17
45 years$734$432$244$133$71$15
46 years$710$412$229$123$64$13
47 years$687$393$215$113$58$11
48 years$665$376$202$105$53$10
49 years$644$359$190$97$48$9
50 years$624$343$179$90$44$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $639,000, adding $6,724 every year, while hoping to spend $45,841 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: 67/17/16 Blend
34$639,000$639,000$639,000$639,000
35$711,114$677,247$667,342$755,600
36$734,873$661,657$640,924$770,564
37$759,519$643,768$612,084$780,928
38$785,094$623,417$580,693$791,121
39$811,644$600,434$546,616$801,124
40$839,215$574,638$509,711$810,916
41$867,859$545,840$469,830$820,478
42$897,630$513,836$426,820$829,787
43$928,588$478,413$380,517$838,823
44$960,794$439,346$330,755$847,563
45$994,317$396,395$277,357$855,986
46$1,029,227$349,309$220,139$864,070
47$1,065,604$297,820$158,909$871,793
48$1,103,530$241,648$93,466$879,134
49$1,143,095$180,494$23,603$886,071
50$1,184,396$114,044$0$892,584
51$1,227,539$41,966$0$907,353
52$1,272,635$0$0$926,526
53$1,319,808$0$0$952,844
54$1,369,189$0$0$988,624
55$1,420,922$0$0$1,026,118
56$1,475,163$0$0$1,065,441
57$1,532,079$0$0$1,106,717
58$1,591,854$0$0$1,150,080
59$1,654,686$0$0$1,195,676
60$1,720,791$0$0$1,243,664
61$1,790,405$0$0$1,294,216
62$1,863,784$0$0$1,347,521
63$1,941,206$0$0$1,403,785
64$2,022,975$0$0$1,463,230
65$2,109,424$0$0$1,526,100
66$2,200,914$0$0$1,592,663
67$2,297,840$0$0$1,663,208
68$2,400,634$0$0$1,738,053
69$2,509,768$0$0$1,817,547
70$2,625,758$0$0$1,902,068
71$2,749,170$0$0$1,992,034
72$2,880,620$0$0$2,087,898
73$3,020,785$0$0$2,190,160
74$3,170,407$0$0$2,299,366
75$3,330,298$0$0$2,416,114
76$3,501,348$0$0$2,541,059
77$3,684,533$0$0$2,674,922
78$3,880,924$0$0$2,818,491
79$4,091,693$0$0$2,972,632
80$4,318,132$0$0$3,138,295
81$4,561,653$0$0$3,316,523
82$4,823,810$0$0$3,508,461
83$5,106,309$0$0$3,715,366
84$5,411,022$0$0$3,938,621
85$5,740,008$0$0$4,179,743
86$6,095,527$0$0$4,440,400
87$6,480,066$0$0$4,722,425
88$6,896,356$0$0$5,027,834
89$7,347,401$0$0$5,358,841
90$7,836,501$0$0$5,717,883
91$8,367,290$0$0$6,107,640
92$8,943,760$0$0$6,531,058
93$9,570,305$0$0$6,991,378
94$10,251,757$0$0$7,492,166
95$10,993,434$0$0$8,037,346
96$11,801,185$0$0$8,631,236
97$12,681,450$0$0$9,278,586
98$13,641,312$0$0$9,984,625
99$14,688,571$0$0$10,755,108
100$15,831,809$0$0$11,596,370