Can I retire at age 35 with 652,000?

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 $652,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$53,842$53,362$52,894$52,437$51,991$50,693
2 years$26,654$26,158$25,677$25,210$24,758$23,458
3 years$17,593$17,094$16,615$16,152$15,707$14,447
4 years$13,063$12,566$12,091$11,637$11,203$9,991
5 years$10,346$9,852$9,383$8,938$8,516$7,357
6 years$8,535$8,045$7,583$7,148$6,738$5,632
7 years$7,242$6,756$6,302$5,877$5,480$4,428
8 years$6,273$5,791$5,344$4,930$4,546$3,547
9 years$5,520$5,042$4,603$4,199$3,829$2,881
10 years$4,917$4,445$4,013$3,620$3,262$2,366
11 years$4,425$3,957$3,533$3,150$2,806$1,959
12 years$4,014$3,551$3,135$2,763$2,431$1,633
13 years$3,668$3,209$2,801$2,439$2,120$1,369
14 years$3,371$2,917$2,517$2,165$1,858$1,152
15 years$3,113$2,665$2,272$1,931$1,636$973
16 years$2,889$2,445$2,060$1,729$1,446$825
17 years$2,690$2,252$1,875$1,554$1,282$700
18 years$2,515$2,081$1,711$1,400$1,140$596
19 years$2,357$1,928$1,567$1,265$1,016$508
20 years$2,216$1,792$1,438$1,146$908$434
21 years$2,088$1,669$1,323$1,040$812$371
22 years$1,972$1,558$1,219$946$728$318
23 years$1,867$1,457$1,126$861$654$272
24 years$1,770$1,365$1,041$785$587$233
25 years$1,681$1,281$964$717$529$200
26 years$1,599$1,204$894$656$476$172
27 years$1,523$1,133$830$600$429$148
28 years$1,453$1,068$772$550$387$127
29 years$1,388$1,007$718$504$350$109
30 years$1,327$951$669$463$316$94
31 years$1,270$899$624$425$286$81
32 years$1,217$851$582$391$258$69
33 years$1,168$806$543$359$234$60
34 years$1,121$764$508$331$212$51
35 years$1,077$725$475$304$192$44
36 years$1,036$688$444$280$174$38
37 years$996$653$416$258$158$33
38 years$959$621$389$238$143$28
39 years$925$590$365$219$130$24
40 years$891$562$342$202$117$21
41 years$860$535$320$187$107$18
42 years$830$509$301$172$97$15
43 years$802$485$282$159$88$13
44 years$775$462$265$147$80$11
45 years$749$441$249$136$72$10
46 years$724$421$234$125$66$9
47 years$701$401$219$116$60$7
48 years$679$383$206$107$54$6
49 years$657$366$194$99$49$5
50 years$637$350$182$91$45$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $652,000, adding $2,219 every year, while hoping to spend $36,128 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: 65/20/15 Blend
34$652,000$652,000$652,000$652,000
35$720,793$686,237$676,131$764,908
36$755,874$681,423$660,341$789,883
37$793,322$675,162$642,812$812,774
38$833,341$667,345$623,446$836,899
39$876,154$657,856$602,144$862,377
40$922,005$646,574$578,799$889,342
41$971,161$633,369$553,301$917,941
42$1,023,918$618,102$525,534$948,337
43$1,080,597$600,629$495,379$980,715
44$1,141,554$580,795$462,710$1,015,274
45$1,207,175$558,437$427,394$1,052,239
46$1,277,890$533,383$389,294$1,091,859
47$1,354,166$505,451$348,267$1,134,409
48$1,436,520$474,446$304,163$1,180,195
49$1,525,516$440,165$256,824$1,229,555
50$1,621,778$402,393$206,087$1,282,865
51$1,725,990$360,900$151,781$1,340,539
52$1,838,903$315,447$93,728$1,403,039
53$1,961,344$265,777$31,741$1,470,875
54$2,094,223$211,622$0$1,544,611
55$2,238,540$152,697$0$1,630,381
56$2,395,394$88,702$0$1,729,148
57$2,565,995$19,320$0$1,836,627
58$2,751,676$0$0$1,953,701
59$2,953,900$0$0$2,093,623
60$3,174,280$0$0$2,250,780
61$3,414,590$0$0$2,422,191
62$3,676,782$0$0$2,609,254
63$3,963,006$0$0$2,813,506
64$4,275,627$0$0$3,036,643
65$4,617,250$0$0$3,280,529
66$4,990,742$0$0$3,547,217
67$5,399,260$0$0$3,838,968
68$5,846,280$0$0$4,158,270
69$6,335,630$0$0$4,507,864
70$6,871,523$0$0$4,890,768
71$7,458,602$0$0$5,310,307
72$8,101,978$0$0$5,770,140
73$8,807,279$0$0$6,274,298
74$9,580,707$0$0$6,827,222
75$10,429,090$0$0$7,433,803
76$11,359,949$0$0$8,099,425
77$12,381,569$0$0$8,830,024
78$13,503,076$0$0$9,632,134
79$14,734,522$0$0$10,512,955
80$16,086,980$0$0$11,480,418
81$17,572,650$0$0$12,543,259
82$19,204,970$0$0$13,711,102
83$20,998,743$0$0$14,994,551
84$22,970,279$0$0$16,405,286
85$25,137,546$0$0$17,956,178
86$27,520,340$0$0$19,661,403
87$30,140,470$0$0$21,536,582
88$33,021,964$0$0$23,598,926
89$36,191,297$0$0$25,867,396
90$39,677,636$0$0$28,362,883
91$43,513,118$0$0$31,108,405
92$47,733,153$0$0$34,129,325
93$52,376,756$0$0$37,453,587
94$57,486,912$0$0$41,111,979
95$63,110,988$0$0$45,138,429
96$69,301,173$0$0$49,570,317
97$76,114,971$0$0$54,448,833
98$83,615,747$0$0$59,819,361
99$91,873,320$0$0$65,731,910
100$100,964,620$0$0$72,241,585