Can I retire at age 35 with 637,000?

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 $637,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$52,603$52,134$51,677$51,231$50,795$49,130
2 years$26,041$25,556$25,086$24,630$24,188$22,526
3 years$17,188$16,701$16,232$15,781$15,346$13,740
4 years$12,763$12,277$11,813$11,369$10,945$9,407
5 years$10,108$9,625$9,167$8,733$8,320$6,854
6 years$8,339$7,860$7,409$6,984$6,583$5,190
7 years$7,076$6,601$6,157$5,742$5,354$4,034
8 years$6,129$5,658$5,221$4,816$4,442$3,194
9 years$5,393$4,926$4,497$4,103$3,741$2,563
10 years$4,804$4,342$3,921$3,536$3,187$2,078
11 years$4,323$3,866$3,452$3,078$2,741$1,699
12 years$3,922$3,470$3,063$2,700$2,375$1,398
13 years$3,583$3,136$2,737$2,383$2,071$1,156
14 years$3,293$2,850$2,459$2,116$1,816$959
15 years$3,042$2,604$2,220$1,887$1,599$799
16 years$2,822$2,389$2,013$1,689$1,413$668
17 years$2,629$2,200$1,832$1,518$1,253$559
18 years$2,457$2,033$1,672$1,368$1,114$469
19 years$2,303$1,884$1,531$1,236$993$394
20 years$2,165$1,751$1,405$1,120$887$331
21 years$2,040$1,631$1,292$1,016$794$279
22 years$1,927$1,522$1,191$924$711$235
23 years$1,824$1,424$1,100$841$639$198
24 years$1,729$1,334$1,017$767$574$167
25 years$1,642$1,252$942$701$516$141
26 years$1,562$1,177$874$641$465$119
27 years$1,488$1,107$811$586$419$101
28 years$1,420$1,043$754$537$378$85
29 years$1,356$984$702$493$342$72
30 years$1,297$930$654$452$309$61
31 years$1,241$879$609$415$279$51
32 years$1,189$831$569$382$253$44
33 years$1,141$787$531$351$229$37
34 years$1,095$746$496$323$207$31
35 years$1,052$708$464$297$187$26
36 years$1,012$672$434$274$170$22
37 years$974$638$406$252$154$19
38 years$937$606$380$233$140$16
39 years$903$577$356$214$127$14
40 years$871$549$334$198$115$11
41 years$840$522$313$182$104$10
42 years$811$497$294$168$94$8
43 years$783$474$276$155$86$7
44 years$757$452$259$144$78$6
45 years$732$431$243$133$71$5
46 years$708$411$228$122$64$4
47 years$685$392$214$113$58$4
48 years$663$374$201$105$53$3
49 years$642$357$189$97$48$3
50 years$622$341$178$89$44$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $637,000, adding $3,475 every year, while hoping to spend $45,476 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: 49/22/29 Blend
34$637,000$637,000$637,000$637,000
35$705,558$671,797$661,924$734,161
36$729,139$656,329$635,712$739,131
37$753,601$638,579$607,098$739,775
38$778,986$618,387$575,954$739,599
39$805,339$595,584$542,144$738,547
40$832,706$569,991$505,529$736,562
41$861,140$541,418$465,962$733,584
42$890,694$509,665$423,289$729,551
43$921,427$474,521$377,351$724,396
44$953,400$435,760$327,981$718,053
45$986,682$393,147$275,003$710,449
46$1,021,343$346,431$218,235$701,513
47$1,057,462$295,348$157,488$691,167
48$1,095,121$239,618$92,561$679,332
49$1,134,409$178,945$23,248$665,927
50$1,175,424$113,019$0$650,866
51$1,218,270$41,509$0$649,758
52$1,263,059$0$0$655,515
53$1,309,913$0$0$669,615
54$1,358,963$0$0$694,914
55$1,410,353$0$0$721,438
56$1,464,238$0$0$749,270
57$1,520,785$0$0$778,501
58$1,580,175$0$0$809,226
59$1,642,609$0$0$841,551
60$1,708,300$0$0$875,592
61$1,777,483$0$0$911,474
62$1,850,414$0$0$949,333
63$1,927,369$0$0$989,317
64$2,008,653$0$0$1,031,588
65$2,094,595$0$0$1,076,325
66$2,185,557$0$0$1,123,719
67$2,281,933$0$0$1,173,982
68$2,384,152$0$0$1,227,344
69$2,492,686$0$0$1,284,059
70$2,608,048$0$0$1,344,401
71$2,730,803$0$0$1,408,674
72$2,861,566$0$0$1,477,207
73$3,001,012$0$0$1,550,363
74$3,149,879$0$0$1,628,540
75$3,308,978$0$0$1,712,172
76$3,479,196$0$0$1,801,736
77$3,661,506$0$0$1,897,756
78$3,856,976$0$0$2,000,805
79$4,066,777$0$0$2,111,514
80$4,292,194$0$0$2,230,574
81$4,534,638$0$0$2,358,744
82$4,795,657$0$0$2,496,858
83$5,076,952$0$0$2,645,832
84$5,380,392$0$0$2,806,671
85$5,708,028$0$0$2,980,482
86$6,062,117$0$0$3,168,478
87$6,445,137$0$0$3,371,995
88$6,859,812$0$0$3,592,502
89$7,309,139$0$0$3,831,612
90$7,796,410$0$0$4,091,100
91$8,325,247$0$0$4,372,919
92$8,899,634$0$0$4,679,217
93$9,523,953$0$0$5,012,354
94$10,203,024$0$0$5,374,932
95$10,942,151$0$0$5,769,809
96$11,747,168$0$0$6,200,132
97$12,624,498$0$0$6,669,365
98$13,581,209$0$0$7,181,320
99$14,625,077$0$0$7,740,191
100$15,764,665$0$0$8,350,599