Can I retire at age 35 with 641,000?

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 $641,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$52,933$52,462$52,002$51,553$51,114$49,617
2 years$26,205$25,717$25,244$24,785$24,340$22,844
3 years$17,296$16,806$16,334$15,880$15,442$13,994
4 years$12,843$12,354$11,887$11,441$11,014$9,624
5 years$10,172$9,686$9,225$8,787$8,372$7,046
6 years$8,391$7,909$7,455$7,027$6,625$5,362
7 years$7,120$6,642$6,195$5,778$5,388$4,189
8 years$6,167$5,694$5,254$4,847$4,470$3,334
9 years$5,426$4,957$4,525$4,128$3,764$2,690
10 years$4,834$4,370$3,945$3,559$3,207$2,194
11 years$4,350$3,890$3,473$3,097$2,758$1,804
12 years$3,947$3,491$3,083$2,717$2,390$1,493
13 years$3,606$3,155$2,754$2,398$2,084$1,242
14 years$3,314$2,868$2,474$2,129$1,827$1,038
15 years$3,061$2,620$2,234$1,899$1,609$870
16 years$2,840$2,404$2,026$1,700$1,422$731
17 years$2,645$2,214$1,843$1,527$1,261$616
18 years$2,472$2,046$1,683$1,377$1,121$520
19 years$2,318$1,896$1,540$1,244$999$440
20 years$2,179$1,762$1,414$1,127$892$373
21 years$2,053$1,641$1,300$1,022$799$316
22 years$1,939$1,532$1,198$930$716$268
23 years$1,835$1,433$1,107$847$643$228
24 years$1,740$1,342$1,023$772$578$193
25 years$1,653$1,260$948$705$520$165
26 years$1,572$1,184$879$645$468$140
27 years$1,498$1,114$816$590$422$119
28 years$1,429$1,050$759$541$381$101
29 years$1,365$990$706$496$344$86
30 years$1,305$935$658$455$311$74
31 years$1,249$884$613$418$281$63
32 years$1,197$837$572$384$254$53
33 years$1,148$792$534$353$230$46
34 years$1,102$751$499$325$208$39
35 years$1,059$712$467$299$189$33
36 years$1,018$676$437$276$171$28
37 years$980$642$409$254$155$24
38 years$943$610$383$234$140$21
39 years$909$580$358$216$127$18
40 years$876$552$336$199$115$15
41 years$845$526$315$184$105$13
42 years$816$500$296$169$95$11
43 years$788$477$277$156$86$9
44 years$762$455$260$144$78$8
45 years$736$433$244$133$71$7
46 years$712$414$230$123$65$6
47 years$689$395$216$114$59$5
48 years$667$377$203$105$53$4
49 years$646$360$191$97$48$4
50 years$626$344$179$90$44$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $641,000, adding $4,159 every year, while hoping to spend $37,921 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: 49/29/22 Blend
34$641,000$641,000$641,000$641,000
35$710,672$676,699$666,764$740,902
36$742,813$669,510$648,752$755,170
37$776,961$660,697$628,867$766,498
38$813,282$650,142$607,005$778,022
39$851,955$637,717$583,057$789,777
40$893,177$623,288$556,913$801,802
41$937,166$606,714$528,454$814,145
42$984,157$587,843$497,557$826,860
43$1,034,410$566,516$464,095$840,009
44$1,088,210$542,566$427,933$853,665
45$1,145,869$515,813$388,930$867,910
46$1,207,729$486,069$346,940$882,838
47$1,274,166$453,135$301,811$898,556
48$1,345,591$416,799$253,382$915,187
49$1,422,458$376,839$201,487$932,870
50$1,505,263$333,018$145,951$951,761
51$1,594,552$285,089$86,593$972,039
52$1,690,925$232,787$23,222$993,904
53$1,795,041$175,834$0$1,017,583
54$1,907,623$113,938$0$1,053,753
55$2,029,467$46,787$0$1,098,772
56$2,161,448$0$0$1,147,557
57$2,304,528$0$0$1,208,799
58$2,459,764$0$0$1,291,502
59$2,628,320$0$0$1,381,362
60$2,811,476$0$0$1,479,069
61$3,010,637$0$0$1,585,382
62$3,227,353$0$0$1,701,135
63$3,463,328$0$0$1,827,247
64$3,720,436$0$0$1,964,729
65$4,000,740$0$0$2,114,694
66$4,306,510$0$0$2,278,367
67$4,640,247$0$0$2,457,096
68$5,004,701$0$0$2,652,365
69$5,402,901$0$0$2,865,807
70$5,838,180$0$0$3,099,222
71$6,314,209$0$0$3,354,590
72$6,835,030$0$0$3,634,092
73$7,405,093$0$0$3,940,129
74$8,029,298$0$0$4,275,345
75$8,713,042$0$0$4,642,654
76$9,462,268$0$0$5,045,261
77$10,283,521$0$0$5,486,699
78$11,184,009$0$0$5,970,860
79$12,171,671$0$0$6,502,026
80$13,255,251$0$0$7,084,919
81$14,444,382$0$0$7,724,738
82$15,749,673$0$0$8,427,208
83$17,182,810$0$0$9,198,639
84$18,756,667$0$0$10,045,978
85$20,485,426$0$0$10,976,883
86$22,384,709$0$0$11,999,785
87$24,471,727$0$0$13,123,977
88$26,765,439$0$0$14,359,692
89$29,286,735$0$0$15,718,208
90$32,058,626$0$0$17,211,949
91$35,106,466$0$0$18,854,601
92$38,458,189$0$0$20,661,245
93$42,144,569$0$0$22,648,496
94$46,199,515$0$0$24,834,661
95$50,660,386$0$0$27,239,909
96$55,568,344$0$0$29,886,465
97$60,968,742$0$0$32,798,813
98$66,911,553$0$0$36,003,935
99$73,451,837$0$0$39,531,557
100$80,650,261$0$0$43,414,437