Can I retire at age 35 with 610,000?

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 $610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$50,373$49,925$49,487$49,059$48,642$48,295
2 years$24,937$24,473$24,023$23,586$23,163$22,813
3 years$16,460$15,993$15,544$15,112$14,696$14,354
4 years$12,222$11,757$11,312$10,887$10,481$10,150
5 years$9,680$9,217$8,779$8,363$7,967$7,648
6 years$7,985$7,527$7,095$6,688$6,304$5,996
7 years$6,776$6,321$5,896$5,498$5,127$4,831
8 years$5,869$5,418$5,000$4,612$4,253$3,970
9 years$5,164$4,718$4,306$3,929$3,582$3,310
10 years$4,600$4,158$3,754$3,387$3,052$2,792
11 years$4,140$3,702$3,305$2,947$2,625$2,377
12 years$3,756$3,323$2,933$2,585$2,275$2,038
13 years$3,431$3,003$2,621$2,282$1,984$1,758
14 years$3,153$2,729$2,355$2,026$1,739$1,524
15 years$2,913$2,493$2,126$1,807$1,531$1,327
16 years$2,703$2,288$1,928$1,618$1,353$1,160
17 years$2,517$2,107$1,754$1,454$1,200$1,016
18 years$2,353$1,947$1,601$1,310$1,067$893
19 years$2,205$1,804$1,466$1,184$951$786
20 years$2,073$1,677$1,345$1,072$849$694
21 years$1,954$1,562$1,237$973$760$613
22 years$1,845$1,458$1,140$885$681$543
23 years$1,746$1,363$1,053$806$612$481
24 years$1,656$1,277$974$735$550$427
25 years$1,573$1,199$902$671$495$379
26 years$1,496$1,127$837$614$446$337
27 years$1,425$1,060$777$562$402$300
28 years$1,360$999$722$515$362$267
29 years$1,299$943$672$472$327$238
30 years$1,242$890$626$433$296$212
31 years$1,189$841$584$398$267$189
32 years$1,139$796$544$366$242$169
33 years$1,092$754$508$336$219$151
34 years$1,049$715$475$309$198$134
35 years$1,008$678$444$285$179$120
36 years$969$643$415$262$163$107
37 years$932$611$389$242$147$96
38 years$898$581$364$223$134$86
39 years$865$552$341$205$121$77
40 years$834$525$320$189$110$68
41 years$805$500$300$175$100$61
42 years$777$476$281$161$90$55
43 years$750$454$264$149$82$49
44 years$725$433$248$137$75$44
45 years$701$412$233$127$68$39
46 years$678$394$218$117$61$35
47 years$656$376$205$108$56$31
48 years$635$358$193$100$51$28
49 years$615$342$181$93$46$25
50 years$596$327$170$86$42$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $610,000, adding $6,047 every year, while hoping to spend $42,616 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: 53/42/5 Blend
34$610,000$610,000$610,000$610,000
35$678,457$646,127$636,672$713,355
36$702,317$632,445$612,658$723,957
37$727,182$616,663$586,411$730,279
38$753,110$598,635$557,811$736,115
39$780,163$578,204$526,733$741,423
40$808,407$555,203$493,046$746,165
41$837,916$529,460$456,615$750,299
42$868,766$500,786$417,294$753,780
43$901,043$468,987$374,936$756,564
44$934,838$433,856$329,385$758,605
45$970,249$395,172$280,477$759,857
46$1,007,384$352,705$228,042$760,270
47$1,046,359$306,210$171,903$759,796
48$1,087,300$255,427$111,875$758,386
49$1,130,345$200,083$47,763$755,989
50$1,175,643$139,890$0$752,554
51$1,223,356$74,542$0$749,134
52$1,273,662$3,719$0$747,369
53$1,326,753$0$0$744,669
54$1,382,840$0$0$774,701
55$1,442,151$0$0$808,304
56$1,504,937$0$0$843,904
57$1,571,472$0$0$881,660
58$1,642,053$0$0$921,744
59$1,717,008$0$0$964,347
60$1,796,694$0$0$1,009,676
61$1,881,501$0$0$1,057,957
62$1,971,856$0$0$1,109,441
63$2,068,229$0$0$1,164,398
64$2,171,133$0$0$1,223,127
65$2,281,128$0$0$1,285,955
66$2,398,832$0$0$1,353,241
67$2,524,921$0$0$1,425,378
68$2,660,134$0$0$1,502,797
69$2,805,286$0$0$1,585,972
70$2,961,269$0$0$1,675,422
71$3,129,063$0$0$1,771,718
72$3,309,742$0$0$1,875,486
73$3,504,488$0$0$1,987,415
74$3,714,599$0$0$2,108,261
75$3,941,499$0$0$2,238,854
76$4,186,755$0$0$2,380,107
77$4,452,090$0$0$2,533,024
78$4,739,394$0$0$2,698,708
79$5,050,749$0$0$2,878,373
80$5,388,442$0$0$3,073,351
81$5,754,989$0$0$3,285,111
82$6,153,157$0$0$3,515,267
83$6,585,990$0$0$3,765,593
84$7,056,836$0$0$4,038,043
85$7,569,379$0$0$4,334,766
86$8,127,673$0$0$4,658,128
87$8,736,179$0$0$5,010,731
88$9,399,806$0$0$5,395,439
89$10,123,957$0$0$5,815,407
90$10,914,582$0$0$6,274,105
91$11,778,227$0$0$6,775,355
92$12,722,099$0$0$7,323,362
93$13,754,135$0$0$7,922,759
94$14,883,072$0$0$8,578,646
95$16,118,530$0$0$9,296,638
96$17,471,103$0$0$10,082,918
97$18,952,454$0$0$10,944,297
98$20,575,432$0$0$11,888,274
99$22,354,183$0$0$12,923,107
100$24,304,288$0$0$14,057,894