Can I retire at age 35 with 644,000?

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 $644,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$53,181$52,707$52,245$51,794$51,353$49,610
2 years$26,327$25,837$25,362$24,901$24,454$22,715
3 years$17,377$16,885$16,411$15,954$15,515$13,835
4 years$12,903$12,412$11,943$11,494$11,065$9,457
5 years$10,219$9,731$9,268$8,829$8,412$6,880
6 years$8,431$7,946$7,490$7,060$6,656$5,202
7 years$7,153$6,673$6,224$5,805$5,413$4,036
8 years$6,196$5,720$5,279$4,869$4,491$3,189
9 years$5,452$4,980$4,546$4,148$3,782$2,555
10 years$4,857$4,390$3,964$3,575$3,222$2,068
11 years$4,370$3,908$3,490$3,112$2,771$1,687
12 years$3,965$3,508$3,097$2,729$2,401$1,385
13 years$3,623$3,170$2,767$2,410$2,094$1,143
14 years$3,329$2,881$2,486$2,139$1,836$947
15 years$3,075$2,632$2,245$1,908$1,616$787
16 years$2,853$2,415$2,035$1,708$1,428$656
17 years$2,657$2,224$1,852$1,535$1,267$548
18 years$2,484$2,055$1,690$1,383$1,126$459
19 years$2,328$1,905$1,548$1,250$1,004$384
20 years$2,189$1,770$1,420$1,132$897$322
21 years$2,063$1,649$1,306$1,027$802$271
22 years$1,948$1,539$1,204$934$719$228
23 years$1,844$1,439$1,112$851$646$192
24 years$1,748$1,349$1,028$776$580$161
25 years$1,660$1,266$952$708$522$136
26 years$1,579$1,189$883$648$470$114
27 years$1,505$1,119$820$593$424$96
28 years$1,435$1,055$762$543$383$81
29 years$1,371$995$709$498$346$69
30 years$1,311$940$661$457$312$58
31 years$1,255$888$616$420$282$49
32 years$1,202$841$575$386$255$41
33 years$1,153$796$537$355$231$35
34 years$1,107$754$501$327$209$29
35 years$1,064$716$469$301$189$25
36 years$1,023$679$439$277$172$21
37 years$984$645$411$255$156$18
38 years$948$613$384$235$141$15
39 years$913$583$360$217$128$13
40 years$880$555$338$200$116$11
41 years$849$528$317$184$105$9
42 years$820$503$297$170$96$8
43 years$792$479$279$157$87$6
44 years$765$457$262$145$79$5
45 years$740$435$246$134$71$5
46 years$715$415$231$124$65$4
47 years$692$396$217$114$59$3
48 years$670$378$204$106$53$3
49 years$649$361$191$98$49$2
50 years$629$345$180$90$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $644,000, adding $2,669 every year, while hoping to spend $48,427 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: 47/46/7 Blend
34$644,000$644,000$644,000$644,000
35$712,441$678,309$668,327$744,463
36$733,584$660,020$639,190$748,433
37$755,261$639,212$607,454$747,442
38$777,474$615,710$572,980$745,235
39$800,226$589,330$535,625$741,713
40$823,518$559,876$495,237$736,771
41$847,348$527,141$451,659$730,299
42$871,713$490,906$404,725$722,177
43$896,608$450,942$354,264$712,278
44$922,027$407,002$300,096$700,469
45$947,957$358,829$242,033$686,605
46$974,387$306,150$179,880$670,534
47$1,001,300$248,676$113,431$652,094
48$1,028,675$186,104$42,473$631,111
49$1,056,487$118,110$0$607,402
50$1,084,707$44,356$0$583,255
51$1,113,299$0$0$559,523
52$1,142,224$0$0$550,806
53$1,171,433$0$0$564,649
54$1,200,872$0$0$578,571
55$1,230,477$0$0$592,537
56$1,260,175$0$0$606,509
57$1,289,885$0$0$620,442
58$1,319,513$0$0$634,287
59$1,348,951$0$0$647,986
60$1,378,079$0$0$661,476
61$1,406,762$0$0$674,685
62$1,434,846$0$0$687,532
63$1,462,160$0$0$699,926
64$1,488,510$0$0$711,766
65$1,513,680$0$0$722,938
66$1,537,427$0$0$733,315
67$1,559,481$0$0$742,753
68$1,579,539$0$0$751,096
69$1,597,265$0$0$758,166
70$1,612,282$0$0$763,767
71$1,624,172$0$0$767,679
72$1,632,469$0$0$769,660
73$1,636,655$0$0$769,438
74$1,636,154$0$0$766,714
75$1,630,329$0$0$761,154
76$1,618,468$0$0$752,389
77$1,599,786$0$0$740,007
78$1,573,410$0$0$723,555
79$1,538,373$0$0$702,530
80$1,493,602$0$0$676,372
81$1,437,912$0$0$644,466
82$1,369,989$0$0$606,126
83$1,288,377$0$0$560,598
84$1,191,469$0$0$507,044
85$1,077,484$0$0$444,540
86$944,454$0$0$372,062
87$790,202$0$0$288,480
88$612,323$0$0$192,544
89$408,158$0$0$82,874
90$174,770$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0