Can I retire at age 35 with 626,000?

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 $626,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$51,694$51,234$50,785$50,346$49,918$48,850
2 years$25,591$25,115$24,653$24,205$23,771$22,700
3 years$16,891$16,413$15,952$15,508$15,081$14,041
4 years$12,542$12,065$11,609$11,173$10,756$9,755
5 years$9,934$9,459$9,009$8,582$8,176$7,217
6 years$8,195$7,724$7,281$6,863$6,470$5,552
7 years$6,954$6,487$6,050$5,642$5,262$4,387
8 years$6,023$5,560$5,131$4,733$4,365$3,533
9 years$5,299$4,841$4,419$4,032$3,676$2,885
10 years$4,721$4,267$3,853$3,475$3,132$2,383
11 years$4,248$3,799$3,392$3,025$2,694$1,984
12 years$3,854$3,410$3,010$2,653$2,334$1,664
13 years$3,521$3,081$2,690$2,342$2,036$1,403
14 years$3,236$2,801$2,417$2,079$1,784$1,188
15 years$2,989$2,559$2,182$1,854$1,571$1,010
16 years$2,773$2,348$1,978$1,660$1,389$861
17 years$2,583$2,162$1,800$1,492$1,231$736
18 years$2,414$1,998$1,643$1,344$1,095$631
19 years$2,263$1,852$1,504$1,215$976$542
20 years$2,128$1,721$1,381$1,100$872$466
21 years$2,005$1,603$1,270$998$780$401
22 years$1,894$1,496$1,170$908$699$346
23 years$1,792$1,399$1,081$827$628$298
24 years$1,699$1,311$999$754$564$257
25 years$1,614$1,230$926$689$508$222
26 years$1,535$1,156$858$630$457$192
27 years$1,463$1,088$797$576$412$166
28 years$1,395$1,025$741$528$372$144
29 years$1,333$967$690$484$336$125
30 years$1,274$914$642$444$303$108
31 years$1,220$864$599$408$274$94
32 years$1,169$817$559$375$248$81
33 years$1,121$774$522$345$225$70
34 years$1,076$733$487$317$203$61
35 years$1,034$696$456$292$184$53
36 years$994$660$426$269$167$46
37 years$957$627$399$248$151$40
38 years$921$596$374$229$137$34
39 years$888$567$350$211$124$30
40 years$856$539$328$194$113$26
41 years$826$513$308$179$102$23
42 years$797$489$289$165$93$20
43 years$770$466$271$153$84$17
44 years$744$444$254$141$76$15
45 years$719$423$239$130$69$13
46 years$695$404$224$120$63$11
47 years$673$385$211$111$57$10
48 years$651$368$198$103$52$8
49 years$631$351$186$95$47$7
50 years$611$336$175$88$43$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $626,000, adding $4,602 every year, while hoping to spend $25,316 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: 59/20/21 Blend
34$626,000$626,000$626,000$626,000
35$694,599$661,421$651,718$731,460
36$738,512$666,895$646,614$762,493
37$786,056$671,788$640,492$793,168
38$837,574$676,046$633,288$826,061
39$893,444$679,610$624,941$861,392
40$954,081$682,417$615,383$899,404
41$1,019,943$684,401$604,544$940,364
42$1,091,532$685,491$592,351$984,568
43$1,169,402$685,613$578,728$1,032,345
44$1,254,159$684,687$563,594$1,084,055
45$1,346,475$682,628$546,865$1,140,098
46$1,447,085$679,346$528,455$1,200,914
47$1,556,800$674,747$508,271$1,266,992
48$1,676,513$668,729$486,217$1,338,870
49$1,807,205$661,184$462,193$1,417,142
50$1,949,958$652,001$436,095$1,502,464
51$2,105,962$641,057$407,812$1,595,561
52$2,276,528$628,226$377,232$1,697,235
53$2,463,097$613,373$344,232$1,808,367
54$2,667,259$596,354$308,690$1,929,936
55$2,890,763$577,019$270,475$2,063,017
56$3,135,535$555,207$229,450$2,208,800
57$3,403,695$530,748$185,472$2,368,599
58$3,697,581$503,463$138,394$2,543,860
59$4,019,764$473,163$88,060$2,736,186
60$4,373,079$439,646$34,309$2,947,339
61$4,760,645$402,701$0$3,179,269
62$5,185,901$362,104$0$3,439,291
63$5,652,632$317,616$0$3,733,151
64$6,165,010$268,989$0$4,055,812
65$6,727,628$215,957$0$4,410,206
66$7,345,548$158,240$0$4,799,564
67$8,024,344$95,544$0$5,227,449
68$8,770,158$27,557$0$5,697,788
69$9,589,756$0$0$6,214,911
70$10,490,592$0$0$6,793,726
71$11,480,878$0$0$7,436,737
72$12,569,661$0$0$8,143,763
73$13,766,907$0$0$8,921,283
74$15,083,601$0$0$9,776,435
75$16,531,839$0$0$10,717,086
76$18,124,954$0$0$11,751,903
77$19,877,633$0$0$12,890,433
78$21,806,058$0$0$14,143,198
79$23,928,062$0$0$15,521,791
80$26,263,291$0$0$17,038,984
81$28,833,392$0$0$18,708,850
82$31,662,217$0$0$20,546,897
83$34,776,049$0$0$22,570,212
84$38,203,846$0$0$24,797,622
85$41,977,519$0$0$27,249,874
86$46,132,229$0$0$29,949,826
87$50,706,718$0$0$32,922,668
88$55,743,679$0$0$36,196,156
89$61,290,153$0$0$39,800,874
90$67,397,978$0$0$43,770,523
91$74,124,271$0$0$48,142,240
92$81,531,976$0$0$52,956,947
93$89,690,447$0$0$58,259,737
94$98,676,112$0$0$64,100,298
95$108,573,188$0$0$70,533,385
96$119,474,477$0$0$77,619,335
97$131,482,243$0$0$85,424,636
98$144,709,174$0$0$94,022,554
99$159,279,448$0$0$103,493,824
100$175,329,903$0$0$113,927,414