Can I retire at age 35 with 635,000?

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 $635,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$52,438$51,971$51,515$51,070$50,636$49,674
2 years$25,959$25,476$25,007$24,553$24,112$23,147
3 years$17,134$16,649$16,181$15,731$15,298$14,360
4 years$12,723$12,239$11,776$11,334$10,911$10,006
5 years$10,076$9,595$9,139$8,705$8,294$7,426
6 years$8,313$7,835$7,385$6,962$6,563$5,732
7 years$7,053$6,580$6,137$5,724$5,337$4,544
8 years$6,110$5,640$5,205$4,801$4,428$3,672
9 years$5,376$4,911$4,483$4,090$3,729$3,010
10 years$4,789$4,329$3,908$3,525$3,177$2,495
11 years$4,309$3,854$3,441$3,068$2,732$2,086
12 years$3,910$3,459$3,054$2,691$2,368$1,756
13 years$3,572$3,126$2,728$2,376$2,065$1,486
14 years$3,283$2,841$2,451$2,109$1,810$1,264
15 years$3,032$2,595$2,213$1,881$1,594$1,079
16 years$2,813$2,381$2,007$1,684$1,409$924
17 years$2,620$2,193$1,826$1,513$1,249$793
18 years$2,449$2,027$1,667$1,364$1,110$683
19 years$2,296$1,878$1,526$1,232$990$589
20 years$2,158$1,745$1,400$1,116$884$508
21 years$2,034$1,626$1,288$1,013$791$440
22 years$1,921$1,517$1,187$921$709$381
23 years$1,818$1,419$1,096$839$637$330
24 years$1,724$1,330$1,014$765$572$286
25 years$1,637$1,248$939$699$515$249
26 years$1,557$1,173$871$639$464$216
27 years$1,484$1,104$809$585$418$188
28 years$1,415$1,040$752$536$377$163
29 years$1,352$981$700$491$341$142
30 years$1,293$927$652$451$308$124
31 years$1,237$876$607$414$278$108
32 years$1,186$829$567$381$252$94
33 years$1,137$785$529$350$228$82
34 years$1,092$744$494$322$206$71
35 years$1,049$706$462$296$187$62
36 years$1,009$670$432$273$169$54
37 years$970$636$405$251$153$47
38 years$934$605$379$232$139$41
39 years$900$575$355$214$126$36
40 years$868$547$333$197$114$31
41 years$838$521$312$182$104$27
42 years$808$496$293$168$94$24
43 years$781$472$275$155$85$21
44 years$754$450$258$143$78$18
45 years$729$429$242$132$70$16
46 years$705$410$227$122$64$14
47 years$683$391$214$113$58$12
48 years$661$373$201$104$53$10
49 years$640$356$189$96$48$9
50 years$620$340$177$89$44$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $635,000, adding $2,253 every year, while hoping to spend $38,236 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: 39/38/23 Blend
34$635,000$635,000$635,000$635,000
35$702,094$668,439$658,596$724,597
36$733,025$660,510$639,977$733,147
37$765,829$650,910$619,452$738,625
38$800,657$639,519$596,917$743,783
39$837,675$626,205$572,264$748,615
40$877,061$610,833$545,379$753,118
41$919,015$593,257$516,142$757,288
42$963,751$573,323$484,429$761,130
43$1,011,506$550,869$450,111$764,648
44$1,062,541$525,723$413,050$767,853
45$1,117,138$497,701$373,106$770,762
46$1,175,610$466,613$330,129$773,396
47$1,238,299$432,254$283,965$775,784
48$1,305,580$394,408$234,452$777,964
49$1,377,864$352,849$181,421$779,981
50$1,455,604$307,336$124,696$781,892
51$1,539,294$257,614$64,092$783,765
52$1,629,480$203,415$0$785,682
53$1,726,760$144,456$0$787,882
54$1,831,792$80,436$0$807,131
55$1,945,297$11,040$0$827,866
56$2,068,070$0$0$850,296
57$2,200,982$0$0$901,443
58$2,344,994$0$0$961,935
59$2,501,159$0$0$1,027,606
60$2,670,638$0$0$1,098,954
61$2,854,707$0$0$1,176,524
62$3,054,767$0$0$1,260,920
63$3,272,364$0$0$1,352,802
64$3,509,194$0$0$1,452,899
65$3,767,128$0$0$1,562,012
66$4,048,221$0$0$1,681,024
67$4,354,735$0$0$1,810,905
68$4,689,163$0$0$1,952,724
69$5,054,245$0$0$2,107,657
70$5,452,999$0$0$2,277,000
71$5,888,747$0$0$2,462,178
72$6,365,147$0$0$2,664,762
73$6,886,226$0$0$2,886,480
74$7,456,418$0$0$3,129,234
75$8,080,605$0$0$3,395,123
76$8,764,164$0$0$3,686,453
77$9,513,015$0$0$4,005,768
78$10,333,678$0$0$4,355,866
79$11,233,334$0$0$4,739,832
80$12,219,892$0$0$5,161,062
81$13,302,063$0$0$5,623,297
82$14,489,441$0$0$6,130,659
83$15,792,595$0$0$6,687,685
84$17,223,166$0$0$7,299,376
85$18,793,975$0$0$7,971,241
86$20,519,150$0$0$8,709,346
87$22,414,251$0$0$9,520,377
88$24,496,420$0$0$10,411,698
89$26,784,541$0$0$11,391,421
90$29,299,419$0$0$12,468,484
91$32,063,975$0$0$13,652,735
92$35,103,460$0$0$14,955,021
93$38,445,695$0$0$16,387,297
94$42,121,331$0$0$17,962,731
95$46,164,138$0$0$19,695,833
96$50,611,324$0$0$21,602,590
97$55,503,883$0$0$23,700,616
98$60,886,986$0$0$26,009,320
99$66,810,399$0$0$28,550,086
100$73,328,957$0$0$31,346,476