Can I retire at age 35 with 643,000?

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 $643,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$53,098$52,625$52,164$51,714$51,274$50,383
2 years$26,286$25,797$25,322$24,862$24,416$23,521
3 years$17,350$16,858$16,385$15,929$15,491$14,620
4 years$12,883$12,393$11,924$11,476$11,048$10,208
5 years$10,203$9,716$9,254$8,815$8,399$7,592
6 years$8,417$7,934$7,478$7,049$6,645$5,873
7 years$7,142$6,663$6,215$5,796$5,405$4,666
8 years$6,186$5,711$5,270$4,862$4,484$3,780
9 years$5,443$4,973$4,539$4,141$3,776$3,106
10 years$4,849$4,383$3,958$3,570$3,217$2,580
11 years$4,364$3,902$3,484$3,107$2,767$2,162
12 years$3,959$3,502$3,092$2,725$2,398$1,825
13 years$3,617$3,165$2,763$2,406$2,091$1,549
14 years$3,324$2,877$2,482$2,136$1,833$1,321
15 years$3,070$2,628$2,241$1,905$1,614$1,131
16 years$2,849$2,411$2,032$1,705$1,426$971
17 years$2,653$2,221$1,849$1,532$1,265$836
18 years$2,480$2,052$1,688$1,381$1,124$722
19 years$2,325$1,902$1,545$1,248$1,002$624
20 years$2,185$1,767$1,418$1,130$895$541
21 years$2,059$1,646$1,304$1,026$801$469
22 years$1,945$1,537$1,202$933$718$407
23 years$1,841$1,437$1,110$849$645$354
24 years$1,745$1,347$1,027$775$579$308
25 years$1,658$1,264$951$707$521$268
26 years$1,577$1,188$882$647$470$234
27 years$1,502$1,118$819$592$423$204
28 years$1,433$1,053$761$542$382$178
29 years$1,369$994$708$497$345$155
30 years$1,309$938$660$456$312$136
31 years$1,253$887$615$419$282$119
32 years$1,201$839$574$385$255$104
33 years$1,152$795$536$354$231$91
34 years$1,105$753$501$326$209$79
35 years$1,062$715$468$300$189$69
36 years$1,021$678$438$276$171$61
37 years$983$644$410$255$155$53
38 years$946$612$384$235$141$46
39 years$912$582$360$216$128$41
40 years$879$554$337$200$116$35
41 years$848$527$316$184$105$31
42 years$819$502$296$170$95$27
43 years$791$478$278$157$87$24
44 years$764$456$261$145$79$21
45 years$739$435$245$134$71$18
46 years$714$415$230$124$65$16
47 years$691$396$216$114$59$14
48 years$669$378$203$106$53$12
49 years$648$361$191$98$49$11
50 years$628$345$180$90$44$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $643,000, adding $5,142 every year, while hoping to spend $45,436 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: 61/29/10 Blend
34$643,000$643,000$643,000$643,000
35$713,890$679,811$669,844$755,502
36$738,363$664,778$643,941$768,983
37$763,810$647,486$615,646$778,025
38$790,281$627,776$584,833$786,765
39$817,833$605,479$551,368$795,173
40$846,523$580,419$515,110$803,222
41$876,415$552,407$475,913$810,881
42$907,579$521,244$433,626$818,121
43$940,087$486,719$388,087$824,911
44$974,018$448,611$339,130$831,219
45$1,009,459$406,684$286,582$837,013
46$1,046,502$360,690$230,261$842,262
47$1,085,246$310,365$169,976$846,932
48$1,125,801$255,432$105,529$850,993
49$1,168,283$195,598$36,715$854,412
50$1,212,818$130,554$0$857,159
51$1,259,546$59,971$0$863,121
52$1,308,615$0$0$872,788
53$1,360,188$0$0$887,498
54$1,414,441$0$0$923,123
55$1,471,567$0$0$960,651
56$1,531,774$0$0$1,000,224
57$1,595,291$0$0$1,041,993
58$1,662,366$0$0$1,086,125
59$1,733,269$0$0$1,132,800
60$1,808,297$0$0$1,182,217
61$1,887,772$0$0$1,234,591
62$1,972,048$0$0$1,290,159
63$2,061,508$0$0$1,349,178
64$2,156,576$0$0$1,411,931
65$2,257,711$0$0$1,478,726
66$2,365,418$0$0$1,549,903
67$2,480,251$0$0$1,625,830
68$2,602,814$0$0$1,706,913
69$2,733,769$0$0$1,793,598
70$2,873,845$0$0$1,886,370
71$3,023,837$0$0$1,985,765
72$3,184,619$0$0$2,092,368
73$3,357,150$0$0$2,206,822
74$3,542,482$0$0$2,329,834
75$3,741,769$0$0$2,462,176
76$3,956,279$0$0$2,604,701
77$4,187,403$0$0$2,758,342
78$4,436,671$0$0$2,924,125
79$4,705,763$0$0$3,103,177
80$4,996,523$0$0$3,296,738
81$5,310,980$0$0$3,506,168
82$5,651,363$0$0$3,732,965
83$6,020,123$0$0$3,978,774
84$6,419,955$0$0$4,245,405
85$6,853,821$0$0$4,534,847
86$7,324,982$0$0$4,849,289
87$7,837,021$0$0$5,191,138
88$8,393,882$0$0$5,563,044
89$8,999,904$0$0$5,967,920
90$9,659,860$0$0$6,408,973
91$10,379,003$0$0$6,889,731
92$11,163,115$0$0$7,414,079
93$12,018,559$0$0$7,986,290
94$12,952,337$0$0$8,611,070
95$13,972,158$0$0$9,293,599
96$15,086,510$0$0$10,039,577
97$16,304,736$0$0$10,855,283
98$17,637,121$0$0$11,747,629
99$19,094,993$0$0$12,724,226
100$20,690,822$0$0$13,793,452