Can I retire at age 35 with 636,000?

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 $636,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$52,520$52,052$51,596$51,151$50,716$49,958
2 years$26,000$25,516$25,047$24,592$24,150$23,388
3 years$17,161$16,675$16,207$15,756$15,322$14,580
4 years$12,743$12,258$11,794$11,351$10,928$10,211
5 years$10,092$9,610$9,153$8,719$8,307$7,618
6 years$8,326$7,848$7,397$6,973$6,573$5,912
7 years$7,065$6,590$6,147$5,733$5,346$4,713
8 years$6,119$5,649$5,213$4,809$4,435$3,831
9 years$5,384$4,919$4,490$4,096$3,735$3,159
10 years$4,796$4,335$3,914$3,531$3,182$2,634
11 years$4,316$3,860$3,446$3,073$2,737$2,216
12 years$3,916$3,464$3,058$2,695$2,372$1,877
13 years$3,578$3,131$2,733$2,380$2,068$1,600
14 years$3,288$2,846$2,455$2,112$1,813$1,370
15 years$3,037$2,600$2,217$1,884$1,596$1,177
16 years$2,818$2,385$2,010$1,687$1,411$1,015
17 years$2,624$2,197$1,829$1,516$1,251$878
18 years$2,453$2,030$1,669$1,366$1,112$761
19 years$2,299$1,881$1,528$1,234$991$661
20 years$2,162$1,748$1,403$1,118$885$575
21 years$2,037$1,628$1,290$1,014$792$501
22 years$1,924$1,520$1,189$922$710$437
23 years$1,821$1,422$1,098$840$638$382
24 years$1,726$1,332$1,015$766$573$334
25 years$1,640$1,250$940$700$516$292
26 years$1,560$1,175$872$640$465$256
27 years$1,486$1,106$810$586$419$224
28 years$1,418$1,042$753$537$378$197
29 years$1,354$983$701$492$341$173
30 years$1,295$928$653$452$308$151
31 years$1,239$877$608$415$279$133
32 years$1,188$830$568$381$252$117
33 years$1,139$786$530$350$228$103
34 years$1,093$745$495$322$207$90
35 years$1,051$707$463$297$187$79
36 years$1,010$671$433$273$170$70
37 years$972$637$405$252$154$61
38 years$936$605$380$232$139$54
39 years$902$576$356$214$126$47
40 years$870$548$333$197$115$42
41 years$839$521$313$182$104$37
42 years$810$497$293$168$94$32
43 years$782$473$275$155$86$28
44 years$756$451$258$143$78$25
45 years$731$430$243$132$71$22
46 years$707$410$228$122$64$19
47 years$684$392$214$113$58$17
48 years$662$374$201$104$53$15
49 years$641$357$189$96$48$13
50 years$621$341$178$89$44$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $636,000, adding $2,561 every year, while hoping to spend $35,024 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: 57/21/22 Blend
34$636,000$636,000$636,000$636,000
35$703,514$669,806$659,948$739,309
36$738,007$665,361$644,791$759,575
37$774,844$659,524$627,952$777,689
38$814,229$652,191$609,338$796,671
39$856,381$643,250$588,852$816,616
40$901,545$632,582$566,392$837,626
41$949,986$620,062$541,850$859,817
42$1,001,998$605,558$515,115$883,317
43$1,057,901$588,930$486,070$908,272
44$1,118,047$570,028$454,594$934,843
45$1,182,824$548,696$420,559$963,208
46$1,252,657$524,766$383,833$993,568
47$1,328,011$498,063$344,275$1,026,146
48$1,409,401$468,401$301,741$1,061,190
49$1,497,390$435,582$256,079$1,098,977
50$1,592,596$399,399$207,130$1,139,813
51$1,695,702$359,630$154,729$1,184,040
52$1,807,455$316,043$98,704$1,232,038
53$1,928,679$268,393$38,874$1,284,229
54$2,060,278$216,419$0$1,341,082
55$2,203,250$159,846$0$1,408,980
56$2,358,689$98,386$0$1,492,757
57$2,527,799$31,731$0$1,583,968
58$2,711,907$0$0$1,683,374
59$2,912,472$0$0$1,801,161
60$3,131,100$0$0$1,937,598
61$3,369,556$0$0$2,086,463
62$3,629,785$0$0$2,248,976
63$3,913,929$0$0$2,426,481
64$4,224,344$0$0$2,620,456
65$4,563,624$0$0$2,832,531
66$4,934,624$0$0$3,064,498
67$5,340,491$0$0$3,318,332
68$5,784,685$0$0$3,596,207
69$6,271,021$0$0$3,900,516
70$6,803,696$0$0$4,233,896
71$7,387,334$0$0$4,599,249
72$8,027,028$0$0$4,999,774
73$8,728,385$0$0$5,438,992
74$9,497,583$0$0$5,920,781
75$10,341,425$0$0$6,449,413
76$11,267,403$0$0$7,029,594
77$12,283,773$0$0$7,666,507
78$13,399,626$0$0$8,365,862
79$14,624,977$0$0$9,133,948
80$15,970,860$0$0$9,977,695
81$17,449,428$0$0$10,904,734
82$19,074,071$0$0$11,923,475
83$20,859,538$0$0$13,043,180
84$22,822,081$0$0$14,274,056
85$24,979,601$0$0$15,627,347
86$27,351,823$0$0$17,115,439
87$29,960,476$0$0$18,751,981
88$32,829,504$0$0$20,552,009
89$35,985,284$0$0$22,532,091
90$39,456,879$0$0$24,710,480
91$43,276,312$0$0$27,107,288
92$47,478,864$0$0$29,744,676
93$52,103,409$0$0$32,647,059
94$57,192,782$0$0$35,841,341
95$62,794,179$0$0$39,357,164
96$68,959,601$0$0$43,227,192
97$75,746,349$0$0$47,487,413
98$83,217,561$0$0$52,177,486
99$91,442,806$0$0$57,341,105
100$100,498,744$0$0$63,026,422