Can I retire at age 35 with 639,000?

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 $639,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$52,768$52,298$51,839$51,392$50,955$49,622
2 years$26,123$25,636$25,165$24,708$24,264$22,931
3 years$17,242$16,754$16,283$15,830$15,394$14,102
4 years$12,803$12,316$11,850$11,405$10,979$9,738
5 years$10,140$9,656$9,196$8,760$8,346$7,159
6 years$8,365$7,885$7,432$7,005$6,604$5,472
7 years$7,098$6,621$6,176$5,760$5,371$4,294
8 years$6,148$5,676$5,238$4,832$4,456$3,434
9 years$5,410$4,942$4,511$4,115$3,752$2,785
10 years$4,819$4,356$3,933$3,548$3,197$2,282
11 years$4,336$3,878$3,463$3,087$2,750$1,886
12 years$3,934$3,481$3,073$2,708$2,383$1,569
13 years$3,594$3,145$2,745$2,391$2,078$1,312
14 years$3,303$2,859$2,467$2,122$1,821$1,102
15 years$3,051$2,612$2,227$1,893$1,604$929
16 years$2,831$2,396$2,019$1,695$1,417$786
17 years$2,637$2,207$1,837$1,523$1,257$666
18 years$2,464$2,039$1,677$1,372$1,117$566
19 years$2,310$1,890$1,536$1,240$996$481
20 years$2,172$1,756$1,409$1,123$890$410
21 years$2,047$1,636$1,296$1,019$796$350
22 years$1,933$1,527$1,195$927$714$299
23 years$1,829$1,428$1,103$844$641$255
24 years$1,735$1,338$1,020$770$576$218
25 years$1,647$1,256$945$703$518$187
26 years$1,567$1,180$876$643$467$160
27 years$1,493$1,111$814$588$421$137
28 years$1,424$1,047$756$539$380$118
29 years$1,360$987$704$494$343$101
30 years$1,301$932$656$454$310$86
31 years$1,245$882$611$417$280$74
32 years$1,193$834$570$383$253$64
33 years$1,144$790$533$352$229$55
34 years$1,099$749$498$324$208$47
35 years$1,055$710$465$298$188$40
36 years$1,015$674$435$275$170$35
37 years$977$640$407$253$154$30
38 years$940$608$381$233$140$25
39 years$906$578$357$215$127$22
40 years$874$550$335$198$115$19
41 years$843$524$314$183$104$16
42 years$814$499$295$169$95$14
43 years$786$475$276$156$86$12
44 years$759$453$260$144$78$10
45 years$734$432$244$133$71$9
46 years$710$412$229$123$64$8
47 years$687$393$215$113$58$6
48 years$665$376$202$105$53$6
49 years$644$359$190$97$48$5
50 years$624$343$179$90$44$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $639,000, adding $6,745 every year, while hoping to spend $48,777 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: 47/42/11 Blend
34$639,000$639,000$639,000$639,000
35$711,135$677,268$667,364$742,083
36$731,773$658,556$637,822$745,419
37$752,881$637,292$605,656$743,445
38$774,455$613,300$570,726$740,199
39$796,491$586,393$532,887$735,581
40$818,980$556,373$491,985$729,483
41$841,912$523,032$447,863$721,788
42$865,274$486,148$400,354$712,375
43$889,050$445,487$349,284$701,111
44$913,220$400,803$294,471$687,858
45$937,760$351,834$235,728$672,467
46$962,642$298,304$172,855$654,779
47$987,833$239,922$105,647$634,624
48$1,013,294$176,380$33,888$611,824
49$1,038,979$107,353$0$586,186
50$1,064,839$32,496$0$562,517
51$1,090,812$0$0$540,156
52$1,116,831$0$0$537,359
53$1,142,819$0$0$549,525
54$1,168,688$0$0$561,588
55$1,194,339$0$0$573,497
56$1,219,659$0$0$585,190
57$1,244,523$0$0$596,603
58$1,268,786$0$0$607,658
59$1,292,290$0$0$618,273
60$1,314,855$0$0$628,352
61$1,336,281$0$0$637,790
62$1,356,342$0$0$646,469
63$1,374,788$0$0$654,258
64$1,391,338$0$0$661,010
65$1,405,681$0$0$666,560
66$1,417,468$0$0$670,728
67$1,426,312$0$0$673,311
68$1,431,783$0$0$674,083
69$1,433,401$0$0$672,795
70$1,430,635$0$0$669,169
71$1,422,894$0$0$662,898
72$1,409,523$0$0$653,639
73$1,389,796$0$0$641,015
74$1,362,906$0$0$624,604
75$1,327,960$0$0$603,944
76$1,283,971$0$0$578,518
77$1,229,842$0$0$547,758
78$1,164,362$0$0$511,032
79$1,086,188$0$0$467,644
80$993,837$0$0$416,821
81$885,668$0$0$357,711
82$759,864$0$0$289,371
83$614,420$0$0$210,758
84$447,118$0$0$120,720
85$255,507$0$0$17,985
86$36,880$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