Can I retire at age 35 with 1,510,000?

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 $1,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$124,694$123,584$122,500$121,442$120,410$117,930
2 years$61,730$60,580$59,466$58,386$57,338$54,851
3 years$40,744$39,590$38,478$37,408$36,377$33,961
4 years$30,254$29,103$28,002$26,951$25,945$23,617
5 years$23,961$22,817$21,731$20,701$19,723$17,491
6 years$19,767$18,632$17,562$16,554$15,606$13,472
7 years$16,773$15,647$14,594$13,610$12,692$10,656
8 years$14,528$13,412$12,377$11,417$10,529$8,591
9 years$12,783$11,678$10,660$9,725$8,867$7,026
10 years$11,388$10,293$9,294$8,383$7,555$5,808
11 years$10,247$9,164$8,182$7,296$6,498$4,843
12 years$9,297$8,225$7,261$6,399$5,631$4,066
13 years$8,494$7,433$6,488$5,650$4,910$3,433
14 years$7,806$6,756$5,829$5,015$4,304$2,912
15 years$7,211$6,172$5,263$4,473$3,790$2,479
16 years$6,690$5,663$4,772$4,005$3,349$2,117
17 years$6,231$5,215$4,342$3,598$2,970$1,812
18 years$5,823$4,819$3,964$3,243$2,641$1,555
19 years$5,459$4,466$3,629$2,930$2,354$1,337
20 years$5,132$4,150$3,330$2,654$2,102$1,151
21 years$4,836$3,866$3,063$2,408$1,881$993
22 years$4,568$3,608$2,823$2,190$1,686$857
23 years$4,323$3,375$2,607$1,994$1,514$740
24 years$4,099$3,162$2,411$1,819$1,361$640
25 years$3,893$2,967$2,233$1,661$1,224$554
26 years$3,703$2,789$2,071$1,519$1,103$480
27 years$3,528$2,625$1,923$1,390$994$416
28 years$3,365$2,473$1,788$1,274$897$361
29 years$3,214$2,333$1,664$1,168$810$313
30 years$3,074$2,204$1,549$1,072$732$271
31 years$2,942$2,083$1,445$985$662$235
32 years$2,819$1,971$1,348$905$599$204
33 years$2,704$1,867$1,258$832$542$177
34 years$2,596$1,769$1,176$766$491$154
35 years$2,494$1,678$1,099$705$444$134
36 years$2,398$1,593$1,028$649$403$116
37 years$2,308$1,513$963$598$365$101
38 years$2,222$1,438$901$551$331$88
39 years$2,141$1,367$844$508$300$76
40 years$2,064$1,301$792$469$272$66
41 years$1,992$1,238$742$433$247$58
42 years$1,922$1,179$696$399$224$50
43 years$1,857$1,123$653$368$203$44
44 years$1,794$1,071$613$340$184$38
45 years$1,734$1,021$576$314$167$33
46 years$1,678$974$541$290$152$29
47 years$1,623$930$508$268$138$25
48 years$1,571$887$477$248$125$22
49 years$1,522$847$449$229$114$19
50 years$1,474$809$422$212$103$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,510,000, adding $2,565 every year, while hoping to spend $24,301 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: 39/50/11 Blend
34$1,510,000$1,510,000$1,510,000$1,510,000
35$1,666,666$1,586,636$1,563,231$1,726,026
36$1,810,810$1,638,525$1,589,743$1,820,143
37$1,968,842$1,692,142$1,616,329$1,919,262
38$2,142,153$1,747,546$1,642,965$2,025,893
39$2,332,275$1,804,799$1,669,627$2,140,722
40$2,540,896$1,863,963$1,696,289$2,264,507
41$2,769,874$1,925,104$1,722,921$2,398,076
42$3,021,257$1,988,290$1,749,495$2,542,342
43$3,297,300$2,053,591$1,775,977$2,698,307
44$3,600,488$2,121,079$1,802,335$2,867,074
45$3,933,556$2,190,831$1,828,533$3,049,855
46$4,299,521$2,262,924$1,854,531$3,247,981
47$4,701,704$2,337,439$1,880,289$3,462,918
48$5,143,764$2,414,459$1,905,765$3,696,277
49$5,629,732$2,494,072$1,930,912$3,949,833
50$6,164,050$2,576,367$1,955,683$4,225,535
51$6,751,611$2,661,437$1,980,027$4,525,529
52$7,397,807$2,749,379$2,003,889$4,852,177
53$8,108,576$2,840,292$2,027,212$5,208,078
54$8,890,465$2,934,280$2,049,937$5,596,092
55$9,750,682$3,031,449$2,072,000$6,019,367
56$10,697,174$3,131,912$2,093,334$6,481,368
57$11,738,693$3,235,784$2,113,869$6,985,910
58$12,884,885$3,343,182$2,133,528$7,537,192
59$14,146,377$3,454,232$2,152,236$8,139,838
60$15,534,879$3,569,061$2,169,907$8,798,938
61$17,063,294$3,687,802$2,186,456$9,520,098
62$18,745,839$3,810,594$2,201,791$10,309,490
63$20,598,179$3,937,577$2,215,816$11,173,910
64$22,637,577$4,068,901$2,228,429$12,120,843
65$24,883,051$4,204,720$2,239,523$13,158,533
66$27,355,562$4,345,191$2,248,987$14,296,058
67$30,078,205$4,490,480$2,256,703$15,543,417
68$33,076,426$4,640,758$2,262,547$16,911,622
69$36,378,269$4,796,202$2,266,390$18,412,805
70$40,014,633$4,956,997$2,268,094$20,060,326
71$44,019,568$5,123,333$2,267,518$21,868,904
72$48,430,596$5,295,407$2,264,512$23,854,751
73$53,289,060$5,473,426$2,258,917$26,035,725
74$58,640,522$5,657,602$2,250,568$28,431,502
75$64,535,187$5,848,156$2,239,293$31,063,755
76$71,028,377$6,045,316$2,224,911$33,956,359
77$78,181,056$6,249,322$2,207,230$37,135,620
78$86,060,404$6,460,419$2,186,053$40,630,517
79$94,740,450$6,678,864$2,161,170$44,472,976
80$104,302,769$6,904,921$2,132,362$48,698,171
81$114,837,257$7,138,868$2,099,402$53,344,858
82$126,442,974$7,380,989$2,062,049$58,455,733
83$139,229,082$7,631,583$2,020,052$64,077,839
84$153,315,875$7,890,956$1,973,150$70,263,008
85$168,835,911$8,159,430$1,921,068$77,068,348
86$185,935,268$8,437,337$1,863,518$84,556,782
87$204,774,920$8,725,020$1,800,200$92,797,640
88$225,532,255$9,022,840$1,730,800$101,867,313
89$248,402,752$9,331,166$1,654,989$111,849,972
90$273,601,826$9,650,386$1,572,424$122,838,361
91$301,366,858$9,980,901$1,482,746$134,934,672
92$331,959,439$10,323,127$1,385,580$148,251,507
93$365,667,838$10,677,496$1,280,533$162,912,942
94$402,809,723$11,044,459$1,167,196$179,055,692
95$443,735,158$11,424,481$1,045,141$196,830,406
96$488,829,912$11,818,048$913,920$216,403,082
97$538,519,094$12,225,663$773,067$237,956,636
98$593,271,171$12,647,850$622,095$261,692,625
99$653,602,388$13,085,153$460,493$287,833,148
100$720,081,643$13,538,137$287,731$316,622,942