Can I retire at age 35 with 619,000?

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 $619,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$51,116$50,661$50,217$49,783$49,360$48,186
2 years$25,305$24,834$24,377$23,934$23,505$22,329
3 years$16,703$16,229$15,774$15,335$14,912$13,772
4 years$12,402$11,930$11,479$11,048$10,636$9,538
5 years$9,822$9,353$8,908$8,486$8,085$7,035
6 years$8,103$7,638$7,199$6,786$6,397$5,395
7 years$6,876$6,414$5,983$5,579$5,203$4,248
8 years$5,956$5,498$5,074$4,680$4,316$3,409
9 years$5,240$4,787$4,370$3,987$3,635$2,774
10 years$4,668$4,220$3,810$3,437$3,097$2,282
11 years$4,201$3,756$3,354$2,991$2,664$1,893
12 years$3,811$3,372$2,977$2,623$2,308$1,581
13 years$3,482$3,047$2,659$2,316$2,013$1,328
14 years$3,200$2,770$2,390$2,056$1,764$1,120
15 years$2,956$2,530$2,157$1,833$1,554$948
16 years$2,742$2,321$1,956$1,642$1,373$805
17 years$2,554$2,138$1,780$1,475$1,217$685
18 years$2,387$1,975$1,625$1,329$1,082$585
19 years$2,238$1,831$1,487$1,201$965$500
20 years$2,104$1,701$1,365$1,088$862$428
21 years$1,983$1,585$1,256$987$771$367
22 years$1,872$1,479$1,157$898$691$314
23 years$1,772$1,384$1,069$818$621$270
24 years$1,680$1,296$988$746$558$232
25 years$1,596$1,216$915$681$502$200
26 years$1,518$1,143$849$623$452$172
27 years$1,446$1,076$788$570$408$148
28 years$1,380$1,014$733$522$368$127
29 years$1,318$956$682$479$332$110
30 years$1,260$903$635$439$300$95
31 years$1,206$854$592$404$271$82
32 years$1,156$808$553$371$245$70
33 years$1,109$765$516$341$222$61
34 years$1,064$725$482$314$201$52
35 years$1,022$688$451$289$182$45
36 years$983$653$422$266$165$39
37 years$946$620$395$245$150$34
38 years$911$589$370$226$136$29
39 years$878$560$346$208$123$25
40 years$846$533$324$192$112$22
41 years$816$507$304$177$101$19
42 years$788$483$285$164$92$16
43 years$761$461$268$151$83$14
44 years$735$439$251$139$76$12
45 years$711$419$236$129$69$10
46 years$688$399$222$119$62$9
47 years$665$381$208$110$57$8
48 years$644$364$196$102$51$7
49 years$624$347$184$94$47$6
50 years$604$332$173$87$42$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $619,000, adding $6,927 every year, while hoping to spend $47,269 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: 30/41/29 Blend
34$619,000$619,000$619,000$619,000
35$689,283$656,476$646,882$703,669
36$709,296$638,350$618,258$697,380
37$729,766$617,751$587,092$686,043
38$750,690$594,508$553,247$672,919
39$772,063$568,441$516,583$657,887
40$793,877$539,358$476,952$640,817
41$816,122$507,057$434,200$621,574
42$838,786$471,322$388,165$600,012
43$861,854$431,929$338,680$575,979
44$885,306$388,636$285,569$549,314
45$909,120$341,192$228,649$519,844
46$933,269$289,329$167,727$487,389
47$957,720$232,765$102,604$451,757
48$982,438$171,200$33,071$412,745
49$1,007,378$104,320$0$370,137
50$1,032,490$31,792$0$336,435
51$1,057,719$0$0$310,416
52$1,082,998$0$0$302,741
53$1,108,254$0$0$309,349
54$1,133,401$0$0$315,866
55$1,158,345$0$0$322,259
56$1,182,977$0$0$328,491
57$1,207,176$0$0$334,519
58$1,230,805$0$0$340,297
59$1,253,709$0$0$345,771
60$1,275,717$0$0$350,882
61$1,296,634$0$0$355,565
62$1,316,245$0$0$359,745
63$1,334,308$0$0$363,342
64$1,350,553$0$0$366,262
65$1,364,680$0$0$368,405
66$1,376,353$0$0$369,658
67$1,385,200$0$0$369,894
68$1,390,806$0$0$368,973
69$1,392,710$0$0$366,742
70$1,390,399$0$0$363,026
71$1,383,304$0$0$357,637
72$1,370,796$0$0$350,361
73$1,352,173$0$0$340,966
74$1,326,659$0$0$329,190
75$1,293,395$0$0$314,747
76$1,251,427$0$0$297,317
77$1,199,702$0$0$276,550
78$1,137,049$0$0$252,055
79$1,062,179$0$0$223,401
80$973,659$0$0$190,113
81$869,910$0$0$151,662
82$749,181$0$0$107,467
83$609,540$0$0$56,885
84$448,850$0$0$0
85$264,750$0$0$0
86$54,630$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