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%17.1%
1 years$52,768$52,298$51,839$51,392$50,955$49,482
2 years$26,123$25,636$25,165$24,708$24,264$22,792
3 years$17,242$16,754$16,283$15,830$15,394$13,969
4 years$12,803$12,316$11,850$11,405$10,979$9,612
5 years$10,140$9,656$9,196$8,760$8,346$7,040
6 years$8,365$7,885$7,432$7,005$6,604$5,361
7 years$7,098$6,621$6,176$5,760$5,371$4,190
8 years$6,148$5,676$5,238$4,832$4,456$3,337
9 years$5,410$4,942$4,511$4,115$3,752$2,695
10 years$4,819$4,356$3,933$3,548$3,197$2,199
11 years$4,336$3,878$3,463$3,087$2,750$1,809
12 years$3,934$3,481$3,073$2,708$2,383$1,498
13 years$3,594$3,145$2,745$2,391$2,078$1,247
14 years$3,303$2,859$2,467$2,122$1,821$1,043
15 years$3,051$2,612$2,227$1,893$1,604$875
16 years$2,831$2,396$2,019$1,695$1,417$736
17 years$2,637$2,207$1,837$1,523$1,257$620
18 years$2,464$2,039$1,677$1,372$1,117$524
19 years$2,310$1,890$1,536$1,240$996$444
20 years$2,172$1,756$1,409$1,123$890$376
21 years$2,047$1,636$1,296$1,019$796$319
22 years$1,933$1,527$1,195$927$714$271
23 years$1,829$1,428$1,103$844$641$230
24 years$1,735$1,338$1,020$770$576$196
25 years$1,647$1,256$945$703$518$167
26 years$1,567$1,180$876$643$467$142
27 years$1,493$1,111$814$588$421$121
28 years$1,424$1,047$756$539$380$103
29 years$1,360$987$704$494$343$88
30 years$1,301$932$656$454$310$75
31 years$1,245$882$611$417$280$64
32 years$1,193$834$570$383$253$55
33 years$1,144$790$533$352$229$46
34 years$1,099$749$498$324$208$40
35 years$1,055$710$465$298$188$34
36 years$1,015$674$435$275$170$29
37 years$977$640$407$253$154$25
38 years$940$608$381$233$140$21
39 years$906$578$357$215$127$18
40 years$874$550$335$198$115$15
41 years$843$524$314$183$104$13
42 years$814$499$295$169$95$11
43 years$786$475$276$156$86$10
44 years$759$453$260$144$78$8
45 years$734$432$244$133$71$7
46 years$710$412$229$123$64$6
47 years$687$393$215$113$58$5
48 years$665$376$202$105$53$4
49 years$644$359$190$97$48$4
50 years$624$343$179$90$44$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $639,000, adding $5,851 every year, while hoping to spend $26,254 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: 33/45/22 Blend
34$639,000$639,000$639,000$639,000
35$710,213$676,346$666,442$728,694
36$754,721$681,553$660,834$748,205
37$802,889$686,135$654,158$766,422
38$855,062$690,034$646,350$785,518
39$911,620$693,188$637,345$805,586
40$972,982$695,531$627,073$826,732
41$1,039,606$696,992$615,460$849,073
42$1,111,999$697,498$602,430$872,740
43$1,190,715$696,968$587,905$897,880
44$1,276,368$695,319$571,799$924,658
45$1,369,630$692,461$554,026$953,254
46$1,471,240$688,301$534,495$983,874
47$1,582,016$682,736$513,109$1,016,746
48$1,702,852$675,661$489,769$1,052,121
49$1,834,738$666,963$464,371$1,090,282
50$1,978,759$656,522$436,805$1,131,543
51$2,136,111$644,211$406,957$1,176,254
52$2,308,113$629,895$374,709$1,224,802
53$2,496,213$613,433$339,934$1,277,620
54$2,702,009$594,673$302,504$1,335,188
55$2,927,258$573,456$262,282$1,398,038
56$3,173,896$549,614$219,126$1,466,763
57$3,444,055$522,966$172,889$1,542,021
58$3,740,083$493,326$123,415$1,624,540
59$4,064,565$460,492$70,543$1,715,130
60$4,420,348$424,254$14,103$1,814,689
61$4,810,568$384,387$0$1,924,211
62$5,238,681$340,657$0$2,055,627
63$5,708,490$292,813$0$2,203,569
64$6,224,187$240,592$0$2,366,123
65$6,790,388$183,715$0$2,544,834
66$7,412,179$121,888$0$2,741,414
67$8,095,161$54,800$0$2,957,752
68$8,845,506$0$0$3,195,937
69$9,670,013$0$0$3,467,131
70$10,576,170$0$0$3,795,106
71$11,572,229$0$0$4,155,725
72$12,667,282$0$0$4,552,294
73$13,871,342$0$0$4,988,453
74$15,195,444$0$0$5,468,212
75$16,651,745$0$0$5,995,990
76$18,253,639$0$0$6,576,659
77$20,015,885$0$0$7,215,581
78$21,954,741$0$0$7,918,668
79$24,088,123$0$0$8,692,434
80$26,435,771$0$0$9,544,055
81$29,019,436$0$0$10,481,439
82$31,863,081$0$0$11,513,298
83$34,993,113$0$0$12,649,234
84$38,438,629$0$0$13,899,824
85$42,231,688$0$0$15,276,727
86$46,407,617$0$0$16,792,786
87$51,005,343$0$0$18,462,155
88$56,067,757$0$0$20,300,429
89$61,642,123$0$0$22,324,795
90$67,780,521$0$0$24,554,187
91$74,540,339$0$0$27,009,474
92$81,984,815$0$0$29,713,649
93$90,183,629$0$0$32,692,050
94$99,213,568$0$0$35,972,598
95$109,159,244$0$0$39,586,059
96$120,113,895$0$0$43,566,337
97$132,180,262$0$0$47,950,793
98$145,471,564$0$0$52,780,594
99$160,112,560$0$0$58,101,108
100$176,240,728$0$0$63,962,327