Can I retire at age 35 with 641,000?

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 $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%16.1%
1 years$52,933$52,462$52,002$51,553$51,114$49,838
2 years$26,205$25,717$25,244$24,785$24,340$23,063
3 years$17,296$16,806$16,334$15,880$15,442$14,203
4 years$12,843$12,354$11,887$11,441$11,014$9,823
5 years$10,172$9,686$9,225$8,787$8,372$7,233
6 years$8,391$7,909$7,455$7,027$6,625$5,537
7 years$7,120$6,642$6,195$5,778$5,388$4,353
8 years$6,167$5,694$5,254$4,847$4,470$3,487
9 years$5,426$4,957$4,525$4,128$3,764$2,833
10 years$4,834$4,370$3,945$3,559$3,207$2,326
11 years$4,350$3,890$3,473$3,097$2,758$1,926
12 years$3,947$3,491$3,083$2,717$2,390$1,606
13 years$3,606$3,155$2,754$2,398$2,084$1,346
14 years$3,314$2,868$2,474$2,129$1,827$1,133
15 years$3,061$2,620$2,234$1,899$1,609$957
16 years$2,840$2,404$2,026$1,700$1,422$811
17 years$2,645$2,214$1,843$1,527$1,261$689
18 years$2,472$2,046$1,683$1,377$1,121$586
19 years$2,318$1,896$1,540$1,244$999$500
20 years$2,179$1,762$1,414$1,127$892$427
21 years$2,053$1,641$1,300$1,022$799$365
22 years$1,939$1,532$1,198$930$716$312
23 years$1,835$1,433$1,107$847$643$268
24 years$1,740$1,342$1,023$772$578$229
25 years$1,653$1,260$948$705$520$197
26 years$1,572$1,184$879$645$468$169
27 years$1,498$1,114$816$590$422$145
28 years$1,429$1,050$759$541$381$125
29 years$1,365$990$706$496$344$107
30 years$1,305$935$658$455$311$92
31 years$1,249$884$613$418$281$79
32 years$1,197$837$572$384$254$68
33 years$1,148$792$534$353$230$59
34 years$1,102$751$499$325$208$50
35 years$1,059$712$467$299$189$43
36 years$1,018$676$437$276$171$37
37 years$980$642$409$254$155$32
38 years$943$610$383$234$140$28
39 years$909$580$358$216$127$24
40 years$876$552$336$199$115$21
41 years$845$526$315$184$105$18
42 years$816$500$296$169$95$15
43 years$788$477$277$156$86$13
44 years$762$455$260$144$78$11
45 years$736$433$244$133$71$10
46 years$712$414$230$123$65$8
47 years$689$395$216$114$59$7
48 years$667$377$203$105$53$6
49 years$646$360$191$97$48$5
50 years$626$344$179$90$44$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $641,000, adding $2,919 every year, while hoping to spend $41,468 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: 37/46/17 Blend
34$641,000$641,000$641,000$641,000
35$709,393$675,420$665,484$731,889
36$737,629$664,394$643,657$737,356
37$767,356$651,438$619,708$739,109
38$798,681$636,413$593,523$740,125
39$831,723$619,174$564,982$740,362
40$866,610$599,564$533,960$739,774
41$903,481$577,420$500,325$738,317
42$942,491$552,568$463,940$735,945
43$983,805$524,824$424,662$732,613
44$1,027,607$493,994$382,342$728,274
45$1,074,095$459,872$336,823$722,884
46$1,123,488$422,241$287,941$716,398
47$1,176,023$380,870$235,527$708,772
48$1,231,963$335,518$179,402$699,965
49$1,291,591$285,927$119,381$689,935
50$1,355,222$231,826$55,268$678,647
51$1,423,197$172,928$0$666,066
52$1,495,893$108,931$0$654,548
53$1,573,722$39,516$0$652,535
54$1,657,134$0$0$650,014
55$1,746,625$0$0$665,062
56$1,842,738$0$0$702,768
57$1,946,071$0$0$743,370
58$2,057,278$0$0$787,135
59$2,177,079$0$0$834,354
60$2,306,263$0$0$885,348
61$2,445,698$0$0$940,468
62$2,596,338$0$0$1,000,103
63$2,759,230$0$0$1,064,677
64$2,935,526$0$0$1,134,658
65$3,126,492$0$0$1,210,561
66$3,333,521$0$0$1,292,951
67$3,558,142$0$0$1,382,451
68$3,802,040$0$0$1,479,745
69$4,067,065$0$0$1,585,586
70$4,355,256$0$0$1,700,802
71$4,668,852$0$0$1,826,305
72$5,010,321$0$0$1,963,098
73$5,382,374$0$0$2,112,285
74$5,787,998$0$0$2,275,081
75$6,230,479$0$0$2,452,824
76$6,713,435$0$0$2,646,985
77$7,240,847$0$0$2,859,186
78$7,817,098$0$0$3,091,211
79$8,447,014$0$0$3,345,025
80$9,135,907$0$0$3,622,790
81$9,889,628$0$0$3,926,890
82$10,714,616$0$0$4,259,947
83$11,617,965$0$0$4,624,851
84$12,607,485$0$0$5,024,781
85$13,691,777$0$0$5,463,243
86$14,880,314$0$0$5,944,095
87$16,183,530$0$0$6,471,587
88$17,612,914$0$0$7,050,401
89$19,181,123$0$0$7,685,694
90$20,902,098$0$0$8,383,145
91$22,791,194$0$0$9,149,011
92$24,865,326$0$0$9,990,186
93$27,143,127$0$0$10,914,262
94$29,645,122$0$0$11,929,603
95$32,393,922$0$0$13,045,425
96$35,414,437$0$0$14,271,879
97$38,734,109$0$0$15,620,150
98$42,383,171$0$0$17,102,560
99$46,394,931$0$0$18,732,684
100$50,806,082$0$0$20,525,479