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%17.2%
1 years$124,694$123,584$122,500$121,442$120,410$116,883
2 years$61,730$60,580$59,466$58,386$57,338$53,814
3 years$40,744$39,590$38,478$37,408$36,377$32,966
4 years$30,254$29,103$28,002$26,951$25,945$22,672
5 years$23,961$22,817$21,731$20,701$19,723$16,598
6 years$19,767$18,632$17,562$16,554$15,606$12,631
7 years$16,773$15,647$14,594$13,610$12,692$9,868
8 years$14,528$13,412$12,377$11,417$10,529$7,854
9 years$12,783$11,678$10,660$9,725$8,867$6,338
10 years$11,388$10,293$9,294$8,383$7,555$5,169
11 years$10,247$9,164$8,182$7,296$6,498$4,250
12 years$9,297$8,225$7,261$6,399$5,631$3,517
13 years$8,494$7,433$6,488$5,650$4,910$2,926
14 years$7,806$6,756$5,829$5,015$4,304$2,444
15 years$7,211$6,172$5,263$4,473$3,790$2,049
16 years$6,690$5,663$4,772$4,005$3,349$1,722
17 years$6,231$5,215$4,342$3,598$2,970$1,451
18 years$5,823$4,819$3,964$3,243$2,641$1,225
19 years$5,459$4,466$3,629$2,930$2,354$1,036
20 years$5,132$4,150$3,330$2,654$2,102$878
21 years$4,836$3,866$3,063$2,408$1,881$744
22 years$4,568$3,608$2,823$2,190$1,686$631
23 years$4,323$3,375$2,607$1,994$1,514$536
24 years$4,099$3,162$2,411$1,819$1,361$456
25 years$3,893$2,967$2,233$1,661$1,224$388
26 years$3,703$2,789$2,071$1,519$1,103$330
27 years$3,528$2,625$1,923$1,390$994$281
28 years$3,365$2,473$1,788$1,274$897$239
29 years$3,214$2,333$1,664$1,168$810$204
30 years$3,074$2,204$1,549$1,072$732$173
31 years$2,942$2,083$1,445$985$662$148
32 years$2,819$1,971$1,348$905$599$126
33 years$2,704$1,867$1,258$832$542$107
34 years$2,596$1,769$1,176$766$491$92
35 years$2,494$1,678$1,099$705$444$78
36 years$2,398$1,593$1,028$649$403$67
37 years$2,308$1,513$963$598$365$57
38 years$2,222$1,438$901$551$331$48
39 years$2,141$1,367$844$508$300$41
40 years$2,064$1,301$792$469$272$35
41 years$1,992$1,238$742$433$247$30
42 years$1,922$1,179$696$399$224$26
43 years$1,857$1,123$653$368$203$22
44 years$1,794$1,071$613$340$184$19
45 years$1,734$1,021$576$314$167$16
46 years$1,678$974$541$290$152$14
47 years$1,623$930$508$268$138$12
48 years$1,571$887$477$248$125$10
49 years$1,522$847$449$229$114$8
50 years$1,474$809$422$212$103$7

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 $5,664 every year, while hoping to spend $27,837 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: 65/21/14 Blend
34$1,510,000$1,510,000$1,510,000$1,510,000
35$1,669,862$1,589,832$1,566,427$1,772,518
36$1,810,570$1,638,116$1,589,284$1,890,133
37$1,964,697$1,687,832$1,611,974$2,014,845
38$2,133,582$1,739,022$1,634,462$2,150,426
39$2,318,701$1,791,728$1,656,710$2,297,937
40$2,521,678$1,845,992$1,678,679$2,458,545
41$2,744,303$1,901,859$1,700,328$2,633,537
42$2,988,546$1,959,375$1,721,613$2,824,326
43$3,256,578$2,018,584$1,742,487$3,032,472
44$3,550,790$2,079,536$1,762,902$3,259,691
45$3,873,816$2,142,278$1,782,804$3,507,873
46$4,228,557$2,206,862$1,802,140$3,779,099
47$4,618,209$2,273,338$1,820,852$4,075,662
48$5,046,294$2,341,759$1,838,877$4,400,086
49$5,516,690$2,412,179$1,856,154$4,755,153
50$6,033,670$2,484,653$1,872,612$5,143,926
51$6,601,941$2,559,238$1,888,182$5,569,779
52$7,226,691$2,635,992$1,902,788$6,036,430
53$7,913,632$2,714,975$1,916,350$6,547,972
54$8,669,061$2,796,247$1,928,786$7,108,917
55$9,499,914$2,879,871$1,940,009$7,724,235
56$10,413,831$2,965,911$1,949,925$8,399,399
57$11,419,233$3,054,432$1,958,439$9,140,441
58$12,525,397$3,145,501$1,965,449$9,954,008
59$13,742,543$3,239,187$1,970,847$10,847,419
60$15,081,934$3,335,559$1,974,522$11,828,741
61$16,555,980$3,434,689$1,976,357$12,906,862
62$18,178,352$3,536,651$1,976,227$14,091,575
63$19,964,116$3,641,520$1,974,003$15,393,667
64$21,929,873$3,749,371$1,969,550$16,825,028
65$24,093,914$3,860,284$1,962,723$18,398,757
66$26,476,394$3,974,339$1,953,375$20,129,286
67$29,099,521$4,091,616$1,941,348$22,032,519
68$31,987,766$4,212,200$1,926,477$24,125,979
69$35,168,096$4,336,175$1,908,592$26,428,977
70$38,670,223$4,463,629$1,887,511$28,962,788
71$42,526,889$4,594,650$1,863,046$31,750,858
72$46,774,172$4,729,328$1,834,998$34,819,022
73$51,451,829$4,867,757$1,803,162$38,195,747
74$56,603,668$5,010,029$1,767,320$41,912,403
75$62,277,962$5,156,240$1,727,245$46,003,557
76$68,527,907$5,306,489$1,682,701$50,507,300
77$75,412,121$5,460,874$1,633,439$55,465,606
78$82,995,197$5,619,497$1,579,198$60,924,729
79$91,348,314$5,782,459$1,519,709$66,935,637
80$100,549,909$5,949,867$1,454,686$73,554,498
81$110,686,415$6,121,825$1,383,833$80,843,203
82$121,853,077$6,298,443$1,306,840$88,869,956
83$134,154,854$6,479,829$1,223,382$97,709,916
84$147,707,403$6,666,095$1,133,119$107,445,906
85$162,638,179$6,857,355$1,035,699$118,169,193
86$179,087,629$7,053,721$930,751$129,980,354
87$197,210,525$7,255,310$817,888$142,990,219
88$217,177,418$7,462,240$696,708$157,320,925
89$239,176,254$7,674,630$566,787$173,107,060
90$263,414,144$7,892,598$427,686$190,496,943
91$290,119,318$8,116,268$278,945$209,654,015
92$319,543,284$8,345,760$120,085$230,758,389
93$351,963,196$8,581,199$0$254,008,545
94$387,684,474$8,822,710$0$279,630,595
95$427,043,684$9,070,416$0$307,877,807
96$470,411,719$9,324,446$0$338,997,922
97$518,197,295$9,584,924$0$373,283,730
98$570,850,813$9,851,979$0$411,057,882
99$628,868,607$10,125,738$0$452,675,930
100$692,797,633$10,406,327$0$498,529,685