Can I retire at age 35 with 630,000?

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 $630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$52,025$51,561$51,109$50,668$50,237$48,864
2 years$25,755$25,275$24,810$24,360$23,922$22,549
3 years$16,999$16,518$16,054$15,607$15,177$13,847
4 years$12,622$12,142$11,683$11,244$10,825$9,547
5 years$9,997$9,520$9,067$8,637$8,229$7,008
6 years$8,247$7,773$7,327$6,907$6,511$5,348
7 years$6,998$6,528$6,089$5,678$5,295$4,190
8 years$6,061$5,596$5,164$4,764$4,393$3,344
9 years$5,333$4,872$4,448$4,057$3,699$2,707
10 years$4,751$4,295$3,878$3,498$3,152$2,214
11 years$4,275$3,823$3,414$3,044$2,711$1,827
12 years$3,879$3,432$3,030$2,670$2,349$1,517
13 years$3,544$3,101$2,707$2,357$2,049$1,266
14 years$3,257$2,819$2,432$2,092$1,796$1,061
15 years$3,008$2,575$2,196$1,866$1,581$893
16 years$2,791$2,363$1,991$1,671$1,397$753
17 years$2,600$2,176$1,812$1,501$1,239$637
18 years$2,430$2,011$1,654$1,353$1,102$540
19 years$2,278$1,863$1,514$1,222$982$458
20 years$2,141$1,732$1,389$1,107$877$390
21 years$2,018$1,613$1,278$1,005$785$332
22 years$1,906$1,506$1,178$914$704$282
23 years$1,804$1,408$1,088$832$632$241
24 years$1,710$1,319$1,006$759$568$205
25 years$1,624$1,238$932$693$511$175
26 years$1,545$1,164$864$634$460$150
27 years$1,472$1,095$802$580$415$128
28 years$1,404$1,032$746$531$374$110
29 years$1,341$973$694$487$338$94
30 years$1,282$919$646$447$305$80
31 years$1,228$869$603$411$276$69
32 years$1,176$822$562$378$250$59
33 years$1,128$779$525$347$226$50
34 years$1,083$738$491$319$205$43
35 years$1,041$700$459$294$185$37
36 years$1,001$664$429$271$168$32
37 years$963$631$402$250$152$27
38 years$927$600$376$230$138$23
39 years$893$570$352$212$125$20
40 years$861$543$330$196$114$17
41 years$831$517$310$180$103$15
42 years$802$492$290$167$93$12
43 years$775$469$273$154$85$11
44 years$749$447$256$142$77$9
45 years$724$426$240$131$70$8
46 years$700$406$226$121$63$7
47 years$677$388$212$112$58$6
48 years$656$370$199$103$52$5
49 years$635$354$187$96$48$4
50 years$615$338$176$88$43$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $630,000, adding $6,072 every year, while hoping to spend $52,612 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: 58/14/28 Blend
34$630,000$630,000$630,000$630,000
35$700,523$667,133$657,368$735,479
36$715,998$643,844$623,411$736,816
37$731,288$617,650$586,554$732,209
38$746,318$588,354$546,642$726,100
39$761,005$555,746$503,517$718,361
40$775,255$519,606$457,013$708,850
41$788,963$479,698$406,954$697,415
42$802,009$435,775$353,159$683,891
43$814,262$387,576$295,439$668,102
44$825,575$334,825$233,593$649,853
45$835,781$277,229$167,416$628,938
46$844,697$214,480$96,691$605,131
47$852,118$146,251$21,192$578,187
48$857,815$72,199$0$547,843
49$861,536$0$0$531,552
50$862,997$0$0$520,411
51$861,885$0$0$518,718
52$857,851$0$0$515,127
53$850,510$0$0$509,389
54$839,433$0$0$501,231
55$824,144$0$0$490,347
56$804,117$0$0$476,400
57$778,769$0$0$459,015
58$747,452$0$0$437,778
59$709,453$0$0$412,232
60$663,979$0$0$381,868
61$610,156$0$0$346,127
62$547,013$0$0$304,387
63$473,480$0$0$255,963
64$388,373$0$0$200,096
65$290,383$0$0$135,948
66$178,064$0$0$62,594
67$49,817$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
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