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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.2%
1 years$124,694$123,584$122,500$121,442$120,410$115,953
2 years$61,730$60,580$59,466$58,386$57,338$52,898
3 years$40,744$39,590$38,478$37,408$36,377$32,094
4 years$30,254$29,103$28,002$26,951$25,945$21,851
5 years$23,961$22,817$21,731$20,701$19,723$15,829
6 years$19,767$18,632$17,562$16,554$15,606$11,915
7 years$16,773$15,647$14,594$13,610$12,692$9,202
8 years$14,528$13,412$12,377$11,417$10,529$7,238
9 years$12,783$11,678$10,660$9,725$8,867$5,770
10 years$11,388$10,293$9,294$8,383$7,555$4,647
11 years$10,247$9,164$8,182$7,296$6,498$3,771
12 years$9,297$8,225$7,261$6,399$5,631$3,080
13 years$8,494$7,433$6,488$5,650$4,910$2,528
14 years$7,806$6,756$5,829$5,015$4,304$2,082
15 years$7,211$6,172$5,263$4,473$3,790$1,721
16 years$6,690$5,663$4,772$4,005$3,349$1,426
17 years$6,231$5,215$4,342$3,598$2,970$1,184
18 years$5,823$4,819$3,964$3,243$2,641$985
19 years$5,459$4,466$3,629$2,930$2,354$820
20 years$5,132$4,150$3,330$2,654$2,102$684
21 years$4,836$3,866$3,063$2,408$1,881$571
22 years$4,568$3,608$2,823$2,190$1,686$477
23 years$4,323$3,375$2,607$1,994$1,514$399
24 years$4,099$3,162$2,411$1,819$1,361$334
25 years$3,893$2,967$2,233$1,661$1,224$279
26 years$3,703$2,789$2,071$1,519$1,103$234
27 years$3,528$2,625$1,923$1,390$994$196
28 years$3,365$2,473$1,788$1,274$897$164
29 years$3,214$2,333$1,664$1,168$810$137
30 years$3,074$2,204$1,549$1,072$732$115
31 years$2,942$2,083$1,445$985$662$97
32 years$2,819$1,971$1,348$905$599$81
33 years$2,704$1,867$1,258$832$542$68
34 years$2,596$1,769$1,176$766$491$57
35 years$2,494$1,678$1,099$705$444$48
36 years$2,398$1,593$1,028$649$403$40
37 years$2,308$1,513$963$598$365$34
38 years$2,222$1,438$901$551$331$28
39 years$2,141$1,367$844$508$300$24
40 years$2,064$1,301$792$469$272$20
41 years$1,992$1,238$742$433$247$17
42 years$1,922$1,179$696$399$224$14
43 years$1,857$1,123$653$368$203$12
44 years$1,794$1,071$613$340$184$10
45 years$1,734$1,021$576$314$167$8
46 years$1,678$974$541$290$152$7
47 years$1,623$930$508$268$138$6
48 years$1,571$887$477$248$125$5
49 years$1,522$847$449$229$114$4
50 years$1,474$809$422$212$103$3

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 $2,684 every year, while hoping to spend $38,215 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: 30/49/21 Blend
34$1,510,000$1,510,000$1,510,000$1,510,000
35$1,666,789$1,586,759$1,563,354$1,705,782
36$1,796,141$1,623,849$1,575,065$1,772,830
37$1,937,406$1,661,477$1,585,889$1,841,301
38$2,091,759$1,699,627$1,595,754$1,914,162
39$2,260,493$1,738,283$1,604,586$1,991,816
40$2,445,032$1,777,428$1,612,309$2,074,708
41$2,646,945$1,817,041$1,618,841$2,163,329
42$2,867,956$1,857,100$1,624,095$2,258,219
43$3,109,969$1,897,578$1,627,983$2,359,973
44$3,375,075$1,938,449$1,630,410$2,469,250
45$3,665,580$1,979,681$1,631,277$2,586,774
46$3,984,024$2,021,240$1,630,479$2,713,345
47$4,333,203$2,063,089$1,627,908$2,849,844
48$4,716,196$2,105,187$1,623,450$2,997,244
49$5,136,397$2,147,489$1,616,984$3,156,617
50$5,597,541$2,189,948$1,608,384$3,329,147
51$6,103,744$2,232,510$1,597,519$3,516,139
52$6,659,541$2,275,118$1,584,251$3,719,032
53$7,269,925$2,317,709$1,568,435$3,939,415
54$7,940,399$2,360,218$1,549,918$4,179,039
55$8,677,022$2,402,572$1,528,543$4,439,835
56$9,486,472$2,444,692$1,504,143$4,723,936
57$10,376,104$2,486,494$1,476,545$5,033,692
58$11,354,023$2,527,888$1,445,564$5,371,697
59$12,429,155$2,568,776$1,411,013$5,740,809
60$13,611,336$2,609,054$1,372,689$6,144,185
61$14,911,404$2,648,609$1,330,386$6,585,305
62$16,341,298$2,687,321$1,283,885$7,068,005
63$17,914,173$2,725,062$1,232,957$7,596,520
64$19,644,521$2,761,693$1,177,364$8,175,519
65$21,548,313$2,797,067$1,116,856$8,810,151
66$23,643,143$2,831,025$1,051,173$9,506,095
67$25,948,398$2,863,400$980,042$10,269,616
68$28,485,440$2,894,011$903,178$11,107,621
69$31,277,804$2,922,667$820,284$12,027,728
70$34,351,425$2,949,163$731,048$13,038,339
71$37,734,879$2,973,281$635,147$14,148,718
72$41,459,653$2,994,788$532,241$15,369,082
73$45,560,442$3,013,437$421,975$16,710,699
74$50,075,477$3,028,965$303,981$18,185,991
75$55,046,883$3,041,091$177,872$19,808,657
76$60,521,079$3,049,519$43,245$21,593,804
77$66,549,215$3,053,931$0$23,558,088
78$73,187,652$3,053,991$0$25,742,376
79$80,498,499$3,049,343$0$28,156,221
80$88,550,191$3,039,606$0$30,812,350
81$97,418,143$3,024,379$0$33,735,489
82$107,185,455$3,003,235$0$36,952,891
83$117,943,698$2,975,720$0$40,494,594
84$129,793,780$2,941,355$0$44,393,712
85$142,846,894$2,899,631$0$48,686,743
86$157,225,572$2,850,007$0$53,413,917
87$173,064,837$2,791,914$0$58,619,579
88$190,513,477$2,724,745$0$64,352,606
89$209,735,454$2,647,859$0$70,666,873
90$230,911,445$2,560,579$0$77,621,763
91$254,240,550$2,462,185$0$85,282,728
92$279,942,173$2,351,919$0$93,721,911
93$308,258,087$2,228,976$0$103,018,827
94$339,454,722$2,092,505$0$113,261,122
95$373,825,674$1,941,608$0$124,545,394
96$411,694,481$1,775,335$0$136,978,114
97$453,417,671$1,592,679$0$150,676,635
98$499,388,132$1,392,580$0$165,770,296
99$550,038,820$1,173,914$0$182,401,656
100$605,846,839$935,496$0$200,727,833