Can I retire at age 35 with 652,000?

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 $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%19.3%
1 years$53,842$53,362$52,894$52,437$51,991$50,047
2 years$26,654$26,158$25,677$25,210$24,758$22,821
3 years$17,593$17,094$16,615$16,152$15,707$13,840
4 years$13,063$12,566$12,091$11,637$11,203$9,418
5 years$10,346$9,852$9,383$8,938$8,516$6,819
6 years$8,535$8,045$7,583$7,148$6,738$5,130
7 years$7,242$6,756$6,302$5,877$5,480$3,960
8 years$6,273$5,791$5,344$4,930$4,546$3,113
9 years$5,520$5,042$4,603$4,199$3,829$2,480
10 years$4,917$4,445$4,013$3,620$3,262$1,996
11 years$4,425$3,957$3,533$3,150$2,806$1,619
12 years$4,014$3,551$3,135$2,763$2,431$1,321
13 years$3,668$3,209$2,801$2,439$2,120$1,083
14 years$3,371$2,917$2,517$2,165$1,858$892
15 years$3,113$2,665$2,272$1,931$1,636$737
16 years$2,889$2,445$2,060$1,729$1,446$610
17 years$2,690$2,252$1,875$1,554$1,282$506
18 years$2,515$2,081$1,711$1,400$1,140$421
19 years$2,357$1,928$1,567$1,265$1,016$350
20 years$2,216$1,792$1,438$1,146$908$292
21 years$2,088$1,669$1,323$1,040$812$243
22 years$1,972$1,558$1,219$946$728$203
23 years$1,867$1,457$1,126$861$654$170
24 years$1,770$1,365$1,041$785$587$142
25 years$1,681$1,281$964$717$529$119
26 years$1,599$1,204$894$656$476$99
27 years$1,523$1,133$830$600$429$83
28 years$1,453$1,068$772$550$387$70
29 years$1,388$1,007$718$504$350$58
30 years$1,327$951$669$463$316$49
31 years$1,270$899$624$425$286$41
32 years$1,217$851$582$391$258$34
33 years$1,168$806$543$359$234$29
34 years$1,121$764$508$331$212$24
35 years$1,077$725$475$304$192$20
36 years$1,036$688$444$280$174$17
37 years$996$653$416$258$158$14
38 years$959$621$389$238$143$12
39 years$925$590$365$219$130$10
40 years$891$562$342$202$117$8
41 years$860$535$320$187$107$7
42 years$830$509$301$172$97$6
43 years$802$485$282$159$88$5
44 years$775$462$265$147$80$4
45 years$749$441$249$136$72$3
46 years$724$421$234$125$66$3
47 years$701$401$219$116$60$2
48 years$679$383$206$107$54$2
49 years$657$366$194$99$49$2
50 years$637$350$182$91$45$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $652,000, adding $3,159 every year, while hoping to spend $52,087 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: 75/6/19 Blend
34$652,000$652,000$652,000$652,000
35$721,763$687,207$677,101$772,469
36$739,962$665,459$644,363$784,748
37$758,272$640,901$608,783$791,499
38$776,650$613,339$570,211$797,533
39$795,044$582,568$528,489$802,766
40$813,398$548,374$483,453$807,105
41$831,648$510,528$434,933$810,449
42$849,722$468,789$382,748$812,687
43$867,536$422,902$326,713$813,699
44$884,997$372,597$266,631$813,353
45$902,003$317,591$202,299$811,506
46$918,436$257,581$133,504$807,999
47$934,164$192,250$60,024$802,662
48$949,040$121,262$0$795,306
49$962,902$44,263$0$789,454
50$975,564$0$0$794,383
51$986,824$0$0$800,299
52$996,452$0$0$807,774
53$1,004,194$0$0$813,676
54$1,009,769$0$0$817,770
55$1,012,861$0$0$819,796
56$1,013,122$0$0$819,466
57$1,010,163$0$0$816,457
58$1,003,554$0$0$810,414
59$992,818$0$0$800,941
60$977,423$0$0$787,599
61$956,783$0$0$769,903
62$930,248$0$0$747,314
63$897,096$0$0$719,235
64$856,529$0$0$685,007
65$807,664$0$0$643,898
66$749,523$0$0$595,100
67$681,026$0$0$537,719
68$600,976$0$0$470,766
69$508,052$0$0$393,147
70$400,791$0$0$303,653
71$277,578$0$0$200,948
72$136,629$0$0$83,556
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$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