Can I retire at age 35 with 641,000?

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 $641,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$52,933$52,462$52,002$51,553$51,114$49,677
2 years$26,205$25,717$25,244$24,785$24,340$22,903
3 years$17,296$16,806$16,334$15,880$15,442$14,051
4 years$12,843$12,354$11,887$11,441$11,014$9,678
5 years$10,172$9,686$9,225$8,787$8,372$7,096
6 years$8,391$7,909$7,455$7,027$6,625$5,409
7 years$7,120$6,642$6,195$5,778$5,388$4,233
8 years$6,167$5,694$5,254$4,847$4,470$3,375
9 years$5,426$4,957$4,525$4,128$3,764$2,729
10 years$4,834$4,370$3,945$3,559$3,207$2,229
11 years$4,350$3,890$3,473$3,097$2,758$1,837
12 years$3,947$3,491$3,083$2,717$2,390$1,523
13 years$3,606$3,155$2,754$2,398$2,084$1,269
14 years$3,314$2,868$2,474$2,129$1,827$1,063
15 years$3,061$2,620$2,234$1,899$1,609$893
16 years$2,840$2,404$2,026$1,700$1,422$752
17 years$2,645$2,214$1,843$1,527$1,261$635
18 years$2,472$2,046$1,683$1,377$1,121$537
19 years$2,318$1,896$1,540$1,244$999$456
20 years$2,179$1,762$1,414$1,127$892$387
21 years$2,053$1,641$1,300$1,022$799$329
22 years$1,939$1,532$1,198$930$716$279
23 years$1,835$1,433$1,107$847$643$238
24 years$1,740$1,342$1,023$772$578$203
25 years$1,653$1,260$948$705$520$173
26 years$1,572$1,184$879$645$468$147
27 years$1,498$1,114$816$590$422$126
28 years$1,429$1,050$759$541$381$107
29 years$1,365$990$706$496$344$92
30 years$1,305$935$658$455$311$78
31 years$1,249$884$613$418$281$67
32 years$1,197$837$572$384$254$57
33 years$1,148$792$534$353$230$49
34 years$1,102$751$499$325$208$42
35 years$1,059$712$467$299$189$36
36 years$1,018$676$437$276$171$30
37 years$980$642$409$254$155$26
38 years$943$610$383$234$140$22
39 years$909$580$358$216$127$19
40 years$876$552$336$199$115$16
41 years$845$526$315$184$105$14
42 years$816$500$296$169$95$12
43 years$788$477$277$156$86$10
44 years$762$455$260$144$78$9
45 years$736$433$244$133$71$7
46 years$712$414$230$123$65$6
47 years$689$395$216$114$59$5
48 years$667$377$203$105$53$5
49 years$646$360$191$97$48$4
50 years$626$344$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 $641,000, adding $4,069 every year, while hoping to spend $31,562 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: 52/18/30 Blend
34$641,000$641,000$641,000$641,000
35$710,579$676,606$666,671$741,346
36$749,477$676,178$655,422$762,785
37$791,284$674,671$642,740$782,601
38$836,264$672,000$628,541$803,548
39$884,707$668,071$612,741$825,748
40$936,929$662,790$595,250$849,337
41$993,281$656,052$575,976$874,467
42$1,054,146$647,748$554,822$901,307
43$1,119,945$637,764$531,684$930,045
44$1,191,141$625,976$506,457$960,890
45$1,268,243$612,254$479,029$994,075
46$1,351,811$596,462$449,284$1,029,859
47$1,442,461$578,454$417,100$1,068,530
48$1,540,869$558,075$382,350$1,110,406
49$1,647,780$535,163$344,901$1,155,844
50$1,764,013$509,545$304,614$1,205,235
51$1,890,468$481,039$261,345$1,259,019
52$2,028,137$449,451$214,941$1,317,678
53$2,178,112$414,579$165,246$1,381,752
54$2,341,591$376,205$112,094$1,451,835
55$2,519,897$334,103$55,312$1,528,590
56$2,714,483$288,030$0$1,612,747
57$2,926,949$237,733$0$1,706,809
58$3,159,059$182,942$0$1,828,988
59$3,412,750$123,374$0$1,962,618
60$3,690,160$58,729$0$2,108,864
61$3,993,638$0$0$2,269,014
62$4,325,775$0$0$2,446,728
63$4,689,420$0$0$2,654,100
64$5,087,713$0$0$2,881,294
65$5,524,110$0$0$3,130,291
66$6,002,421$0$0$3,403,272
67$6,526,836$0$0$3,702,638
68$7,101,976$0$0$4,031,034
69$7,732,925$0$0$4,391,375
70$8,425,288$0$0$4,786,870
71$9,185,236$0$0$5,221,054
72$10,019,566$0$0$5,697,821
73$10,935,766$0$0$6,221,461
74$11,942,087$0$0$6,796,701
75$13,047,615$0$0$7,428,745
76$14,262,361$0$0$8,123,329
77$15,597,354$0$0$8,886,771
78$17,064,743$0$0$9,726,033
79$18,677,914$0$0$10,648,783
80$20,451,615$0$0$11,663,471
81$22,402,093$0$0$12,779,405
82$24,547,248$0$0$14,006,841
83$26,906,804$0$0$15,357,080
84$29,502,490$0$0$16,842,572
85$32,358,248$0$0$18,477,034
86$35,500,459$0$0$20,275,582
87$38,958,188$0$0$22,254,870
88$42,763,461$0$0$24,433,247
89$46,951,565$0$0$26,830,932
90$51,561,382$0$0$29,470,205
91$56,635,754$0$0$32,375,612
92$62,221,888$0$0$35,574,204
93$68,371,800$0$0$39,095,784
94$75,142,806$0$0$42,973,196
95$82,598,064$0$0$47,242,628
96$90,807,164$0$0$51,943,956
97$99,846,792$0$0$57,121,120
98$109,801,446$0$0$62,822,540
99$120,764,240$0$0$69,101,570
100$132,837,774$0$0$76,017,001