Can I retire at age 35 with 1,530,000?

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 $1,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$126,346$125,221$124,123$123,051$122,004$120,280
2 years$62,548$61,383$60,254$59,159$58,097$56,364
3 years$41,284$40,114$38,988$37,904$36,859$35,170
4 years$30,655$29,488$28,373$27,308$26,288$24,657
5 years$24,278$23,119$22,019$20,975$19,984$18,414
6 years$20,029$18,878$17,795$16,774$15,813$14,307
7 years$16,995$15,854$14,787$13,791$12,860$11,419
8 years$14,721$13,590$12,541$11,569$10,669$9,291
9 years$12,952$11,832$10,801$9,854$8,984$7,671
10 years$11,539$10,430$9,417$8,494$7,655$6,404
11 years$10,383$9,285$8,291$7,392$6,584$5,394
12 years$9,420$8,334$7,358$6,484$5,705$4,576
13 years$8,606$7,531$6,574$5,725$4,975$3,904
14 years$7,910$6,846$5,906$5,082$4,361$3,347
15 years$7,306$6,254$5,333$4,532$3,840$2,881
16 years$6,778$5,738$4,835$4,058$3,394$2,488
17 years$6,313$5,284$4,399$3,646$3,009$2,155
18 years$5,901$4,883$4,016$3,286$2,676$1,870
19 years$5,532$4,525$3,677$2,969$2,385$1,627
20 years$5,200$4,205$3,374$2,689$2,130$1,418
21 years$4,900$3,917$3,104$2,440$1,906$1,238
22 years$4,628$3,656$2,860$2,219$1,709$1,081
23 years$4,380$3,420$2,641$2,021$1,534$946
24 years$4,153$3,204$2,443$1,843$1,379$829
25 years$3,945$3,007$2,262$1,683$1,241$726
26 years$3,752$2,826$2,098$1,539$1,117$637
27 years$3,575$2,660$1,948$1,409$1,007$559
28 years$3,410$2,506$1,811$1,291$909$491
29 years$3,257$2,364$1,686$1,184$821$432
30 years$3,114$2,233$1,570$1,086$742$379
31 years$2,981$2,111$1,464$998$671$334
32 years$2,857$1,997$1,366$917$607$293
33 years$2,740$1,891$1,275$843$549$258
34 years$2,630$1,793$1,191$776$497$227
35 years$2,527$1,700$1,114$714$450$200
36 years$2,430$1,614$1,042$658$408$176
37 years$2,338$1,533$975$606$370$155
38 years$2,252$1,457$913$559$335$137
39 years$2,170$1,385$856$515$304$120
40 years$2,092$1,318$802$475$276$106
41 years$2,018$1,254$752$438$250$93
42 years$1,948$1,195$705$404$227$82
43 years$1,881$1,138$662$373$206$73
44 years$1,818$1,085$621$345$187$64
45 years$1,757$1,035$583$318$170$56
46 years$1,700$987$548$294$154$50
47 years$1,645$942$515$272$140$44
48 years$1,592$899$484$251$127$39
49 years$1,542$859$455$232$115$34
50 years$1,494$820$428$214$105$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,530,000, adding $6,424 every year, while hoping to spend $29,116 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: 50/28/22 Blend
34$1,530,000$1,530,000$1,530,000$1,530,000
35$1,692,686$1,611,596$1,587,881$1,766,587
36$1,834,361$1,659,585$1,610,096$1,866,507
37$1,989,511$1,708,950$1,632,079$1,971,563
38$2,159,479$1,759,727$1,653,792$2,085,139
39$2,345,746$1,811,954$1,675,195$2,208,053
40$2,549,942$1,865,668$1,696,243$2,341,205
41$2,773,860$1,920,911$1,716,891$2,485,584
42$3,019,479$1,977,720$1,737,092$2,642,281
43$3,288,975$2,036,138$1,756,794$2,812,496
44$3,584,747$2,096,205$1,775,943$2,997,552
45$3,909,438$2,157,966$1,794,484$3,198,902
46$4,265,957$2,221,462$1,812,355$3,418,150
47$4,657,510$2,286,739$1,829,495$3,657,062
48$5,087,629$2,353,843$1,845,836$3,917,582
49$5,560,204$2,422,818$1,861,308$4,201,850
50$6,079,521$2,493,713$1,875,839$4,512,227
51$6,650,303$2,566,575$1,889,350$4,851,309
52$7,277,750$2,641,454$1,901,759$5,221,959
53$7,967,594$2,718,399$1,912,982$5,627,331
54$8,726,149$2,797,460$1,922,927$6,070,897
55$9,560,371$2,878,691$1,931,500$6,556,485
56$10,477,925$2,962,142$1,938,601$7,088,309
57$11,487,254$3,047,868$1,944,125$7,671,016
58$12,597,664$3,135,923$1,947,963$8,309,723
59$13,819,404$3,226,362$1,949,998$9,010,068
60$15,163,771$3,319,242$1,950,111$9,778,263
61$16,643,209$3,414,618$1,948,172$10,621,155
62$18,271,430$3,512,548$1,944,050$11,546,284
63$20,063,545$3,613,092$1,937,605$12,561,963
64$22,036,200$3,716,307$1,928,689$13,677,348
65$24,207,741$3,822,255$1,917,148$14,902,530
66$26,598,381$3,930,995$1,902,823$16,248,627
67$29,230,391$4,042,589$1,885,543$17,727,892
68$32,128,314$4,157,100$1,865,132$19,353,824
69$35,319,193$4,274,588$1,841,404$21,141,302
70$38,832,825$4,395,118$1,814,166$23,106,718
71$42,702,047$4,518,752$1,783,214$25,268,138
72$46,963,041$4,645,556$1,748,337$27,645,468
73$51,655,675$4,775,592$1,709,310$30,260,645
74$56,823,884$4,908,926$1,665,902$33,137,843
75$62,516,078$5,045,622$1,617,868$36,303,700
76$68,785,606$5,185,745$1,564,954$39,787,571
77$75,691,251$5,329,360$1,506,894$43,621,807
78$83,297,792$5,476,532$1,443,408$47,842,054
79$91,676,611$5,627,325$1,374,206$52,487,598
80$100,906,365$5,781,805$1,298,982$57,601,730
81$111,073,735$5,940,034$1,217,418$63,232,156
82$122,274,237$6,102,076$1,129,182$69,431,449
83$134,613,125$6,267,994$1,033,927$76,257,545
84$148,206,388$6,437,850$931,288$83,774,289
85$163,181,840$6,611,705$820,886$92,052,037
86$179,680,328$6,789,619$702,325$101,168,325
87$197,857,060$6,971,649$575,192$111,208,596
88$217,883,074$7,157,853$439,054$122,267,009
89$239,946,845$7,348,285$293,460$134,447,330
90$264,256,071$7,543,000$137,940$147,863,909
91$291,039,630$7,742,046$0$162,642,760
92$320,549,740$7,945,474$0$178,929,332
93$353,064,338$8,153,327$0$196,905,066
94$388,889,709$8,365,649$0$216,706,321
95$428,363,372$8,582,478$0$238,519,081
96$471,857,266$8,803,849$0$262,548,293
97$519,781,263$9,029,794$0$289,019,806
98$572,587,036$9,260,338$0$318,182,497
99$630,772,323$9,495,504$0$350,310,627
100$694,885,624$9,735,307$0$385,706,421