Can I retire at age 35 with 652,000?

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 $652,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$53,842$53,362$52,894$52,437$51,991$51,448
2 years$26,654$26,158$25,677$25,210$24,758$24,211
3 years$17,593$17,094$16,615$16,152$15,707$15,174
4 years$13,063$12,566$12,091$11,637$11,203$10,686
5 years$10,346$9,852$9,383$8,938$8,516$8,018
6 years$8,535$8,045$7,583$7,148$6,738$6,260
7 years$7,242$6,756$6,302$5,877$5,480$5,022
8 years$6,273$5,791$5,344$4,930$4,546$4,107
9 years$5,520$5,042$4,603$4,199$3,829$3,409
10 years$4,917$4,445$4,013$3,620$3,262$2,862
11 years$4,425$3,957$3,533$3,150$2,806$2,424
12 years$4,014$3,551$3,135$2,763$2,431$2,068
13 years$3,668$3,209$2,801$2,439$2,120$1,775
14 years$3,371$2,917$2,517$2,165$1,858$1,531
15 years$3,113$2,665$2,272$1,931$1,636$1,326
16 years$2,889$2,445$2,060$1,729$1,446$1,152
17 years$2,690$2,252$1,875$1,554$1,282$1,004
18 years$2,515$2,081$1,711$1,400$1,140$877
19 years$2,357$1,928$1,567$1,265$1,016$768
20 years$2,216$1,792$1,438$1,146$908$674
21 years$2,088$1,669$1,323$1,040$812$592
22 years$1,972$1,558$1,219$946$728$521
23 years$1,867$1,457$1,126$861$654$459
24 years$1,770$1,365$1,041$785$587$405
25 years$1,681$1,281$964$717$529$357
26 years$1,599$1,204$894$656$476$316
27 years$1,523$1,133$830$600$429$279
28 years$1,453$1,068$772$550$387$247
29 years$1,388$1,007$718$504$350$218
30 years$1,327$951$669$463$316$193
31 years$1,270$899$624$425$286$171
32 years$1,217$851$582$391$258$152
33 years$1,168$806$543$359$234$135
34 years$1,121$764$508$331$212$119
35 years$1,077$725$475$304$192$106
36 years$1,036$688$444$280$174$94
37 years$996$653$416$258$158$83
38 years$959$621$389$238$143$74
39 years$925$590$365$219$130$66
40 years$891$562$342$202$117$58
41 years$860$535$320$187$107$52
42 years$830$509$301$172$97$46
43 years$802$485$282$159$88$41
44 years$775$462$265$147$80$36
45 years$749$441$249$136$72$32
46 years$724$421$234$125$66$29
47 years$701$401$219$116$60$25
48 years$679$383$206$107$54$23
49 years$657$366$194$99$49$20
50 years$637$350$182$91$45$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $652,000, adding $5,604 every year, while hoping to spend $48,671 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: 22/50/28 Blend
34$652,000$652,000$652,000$652,000
35$724,285$689,729$679,623$733,702
36$746,376$671,740$650,604$724,467
37$769,090$651,238$618,983$710,162
38$792,437$628,049$584,619$693,811
39$816,431$601,989$547,369$675,277
40$841,081$572,861$507,080$654,418
41$866,399$540,459$463,595$631,082
42$892,395$504,564$416,749$605,108
43$919,078$464,946$366,368$576,329
44$946,455$421,360$312,273$544,565
45$974,534$373,547$254,275$509,629
46$1,003,321$321,236$192,177$471,323
47$1,032,820$264,136$125,775$429,435
48$1,063,033$201,944$54,854$383,747
49$1,093,961$134,338$0$334,023
50$1,125,603$60,978$0$286,243
51$1,157,953$0$0$251,815
52$1,191,006$0$0$224,311
53$1,224,751$0$0$230,462
54$1,259,175$0$0$236,714
55$1,294,258$0$0$243,060
56$1,329,980$0$0$249,493
57$1,366,312$0$0$256,003
58$1,403,221$0$0$262,581
59$1,440,668$0$0$269,215
60$1,478,605$0$0$275,891
61$1,516,978$0$0$282,592
62$1,555,723$0$0$289,302
63$1,594,766$0$0$296,000
64$1,634,023$0$0$302,663
65$1,673,397$0$0$309,264
66$1,712,777$0$0$315,773
67$1,752,038$0$0$322,158
68$1,791,037$0$0$328,381
69$1,829,613$0$0$334,399
70$1,867,584$0$0$340,166
71$1,904,746$0$0$345,629
72$1,940,868$0$0$350,727
73$1,975,693$0$0$355,396
74$2,008,931$0$0$359,561
75$2,040,258$0$0$363,140
76$2,069,313$0$0$366,042
77$2,095,691$0$0$368,164
78$2,118,942$0$0$369,394
79$2,138,564$0$0$369,605
80$2,153,997$0$0$368,657
81$2,164,619$0$0$366,395
82$2,169,738$0$0$362,647
83$2,168,586$0$0$357,221
84$2,160,309$0$0$349,906
85$2,143,959$0$0$340,466
86$2,118,485$0$0$328,641
87$2,082,722$0$0$314,145
88$2,035,378$0$0$296,657
89$1,975,021$0$0$275,825
90$1,900,068$0$0$251,258
91$1,808,762$0$0$222,526
92$1,699,162$0$0$189,151
93$1,569,119$0$0$150,605
94$1,416,255$0$0$106,306
95$1,237,943$0$0$55,609
96$1,031,276$0$0$0
97$793,041$0$0$0
98$519,688$0$0$0
99$207,295$0$0$0
100$0$0$0$0