Can I retire at age 35 with 644,000?

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 $644,000?

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$53,181$52,707$52,245$51,794$51,353$50,378
2 years$26,327$25,837$25,362$24,901$24,454$23,476
3 years$17,377$16,885$16,411$15,954$15,515$14,563
4 years$12,903$12,412$11,943$11,494$11,065$10,148
5 years$10,219$9,731$9,268$8,829$8,412$7,531
6 years$8,431$7,946$7,490$7,060$6,656$5,813
7 years$7,153$6,673$6,224$5,805$5,413$4,609
8 years$6,196$5,720$5,279$4,869$4,491$3,724
9 years$5,452$4,980$4,546$4,148$3,782$3,053
10 years$4,857$4,390$3,964$3,575$3,222$2,530
11 years$4,370$3,908$3,490$3,112$2,771$2,115
12 years$3,965$3,508$3,097$2,729$2,401$1,780
13 years$3,623$3,170$2,767$2,410$2,094$1,507
14 years$3,329$2,881$2,486$2,139$1,836$1,282
15 years$3,075$2,632$2,245$1,908$1,616$1,094
16 years$2,853$2,415$2,035$1,708$1,428$937
17 years$2,657$2,224$1,852$1,535$1,267$805
18 years$2,484$2,055$1,690$1,383$1,126$692
19 years$2,328$1,905$1,548$1,250$1,004$597
20 years$2,189$1,770$1,420$1,132$897$516
21 years$2,063$1,649$1,306$1,027$802$446
22 years$1,948$1,539$1,204$934$719$386
23 years$1,844$1,439$1,112$851$646$335
24 years$1,748$1,349$1,028$776$580$290
25 years$1,660$1,266$952$708$522$252
26 years$1,579$1,189$883$648$470$219
27 years$1,505$1,119$820$593$424$190
28 years$1,435$1,055$762$543$383$166
29 years$1,371$995$709$498$346$144
30 years$1,311$940$661$457$312$125
31 years$1,255$888$616$420$282$109
32 years$1,202$841$575$386$255$95
33 years$1,153$796$537$355$231$83
34 years$1,107$754$501$327$209$72
35 years$1,064$716$469$301$189$63
36 years$1,023$679$439$277$172$55
37 years$984$645$411$255$156$48
38 years$948$613$384$235$141$42
39 years$913$583$360$217$128$36
40 years$880$555$338$200$116$32
41 years$849$528$317$184$105$28
42 years$820$503$297$170$96$24
43 years$792$479$279$157$87$21
44 years$765$457$262$145$79$18
45 years$740$435$246$134$71$16
46 years$715$415$231$124$65$14
47 years$692$396$217$114$59$12
48 years$670$378$204$106$53$11
49 years$649$361$191$98$49$9
50 years$629$345$180$90$44$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $644,000, adding $2,061 every year, while hoping to spend $22,697 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: 44/47/9 Blend
34$644,000$644,000$644,000$644,000
35$711,814$677,682$667,700$741,217
36$760,270$686,739$665,918$770,876
37$812,907$695,479$663,317$800,519
38$870,129$703,863$659,843$832,131
39$932,377$711,848$655,443$865,899
40$1,000,141$719,389$650,062$902,033
41$1,073,955$726,439$643,638$940,764
42$1,154,410$732,946$636,112$982,346
43$1,242,155$738,855$627,417$1,027,061
44$1,337,905$744,109$617,485$1,075,222
45$1,442,446$748,646$606,246$1,127,172
46$1,556,645$752,399$593,625$1,183,293
47$1,681,455$755,298$579,543$1,244,004
48$1,817,925$757,270$563,920$1,309,771
49$1,967,212$758,235$546,670$1,381,106
50$2,130,588$758,108$527,703$1,458,578
51$2,309,453$756,801$506,927$1,542,813
52$2,505,352$754,219$484,243$1,634,503
53$2,719,983$750,261$459,550$1,734,413
54$2,955,217$744,819$432,741$1,843,389
55$3,213,116$737,782$403,705$1,962,362
56$3,495,949$729,029$372,324$2,092,365
57$3,806,216$718,432$338,478$2,234,535
58$4,146,672$705,857$302,039$2,390,130
59$4,520,349$691,161$262,874$2,560,537
60$4,930,589$674,192$220,844$2,747,288
61$5,381,073$654,790$175,806$2,952,077
62$5,875,853$632,786$127,606$3,176,772
63$6,419,398$608,000$76,089$3,423,434
64$7,016,626$580,242$21,088$3,694,342
65$7,672,959$549,311$0$3,992,007
66$8,394,368$514,995$0$4,322,817
67$9,187,432$477,068$0$4,688,616
68$10,059,399$435,293$0$5,090,775
69$11,018,254$389,419$0$5,533,042
70$12,072,796$339,180$0$6,019,552
71$13,232,717$284,296$0$6,554,867
72$14,508,698$224,470$0$7,144,019
73$15,912,506$159,390$0$7,792,559
74$17,457,105$88,724$0$8,506,611
75$19,156,782$12,123$0$9,292,929
76$21,027,275$0$0$10,158,964
77$23,085,929$0$0$11,149,539
78$25,351,853$0$0$12,246,842
79$27,846,102$0$0$13,454,812
80$30,591,878$0$0$14,784,697
81$33,614,746$0$0$16,248,892
82$36,942,874$0$0$17,861,053
83$40,607,304$0$0$19,636,229
84$44,642,238$0$0$21,591,004
85$49,085,364$0$0$23,743,651
86$53,978,211$0$0$26,114,304
87$59,366,543$0$0$28,725,151
88$65,300,785$0$0$31,600,640
89$71,836,504$0$0$34,767,714
90$79,034,929$0$0$38,256,059
91$86,963,534$0$0$42,098,389
92$95,696,668$0$0$46,330,754
93$105,316,262$0$0$50,992,877
94$115,912,598$0$0$56,128,533
95$127,585,164$0$0$61,785,959
96$140,443,590$0$0$68,018,310
97$154,608,685$0$0$74,884,162
98$170,213,575$0$0$82,448,063
99$187,404,960$0$0$90,781,141
100$206,344,499$0$0$99,961,780