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%18.1%
1 years$126,346$125,221$124,123$123,051$122,004$118,004
2 years$62,548$61,383$60,254$59,159$58,097$54,106
3 years$41,284$40,114$38,988$37,904$36,859$33,001
4 years$30,655$29,488$28,373$27,308$26,288$22,593
5 years$24,278$23,119$22,019$20,975$19,984$16,462
6 years$20,029$18,878$17,795$16,774$15,813$12,466
7 years$16,995$15,854$14,787$13,791$12,860$9,689
8 years$14,721$13,590$12,541$11,569$10,669$7,671
9 years$12,952$11,832$10,801$9,854$8,984$6,156
10 years$11,539$10,430$9,417$8,494$7,655$4,992
11 years$10,383$9,285$8,291$7,392$6,584$4,081
12 years$9,420$8,334$7,358$6,484$5,705$3,357
13 years$8,606$7,531$6,574$5,725$4,975$2,776
14 years$7,910$6,846$5,906$5,082$4,361$2,305
15 years$7,306$6,254$5,333$4,532$3,840$1,920
16 years$6,778$5,738$4,835$4,058$3,394$1,603
17 years$6,313$5,284$4,399$3,646$3,009$1,342
18 years$5,901$4,883$4,016$3,286$2,676$1,126
19 years$5,532$4,525$3,677$2,969$2,385$945
20 years$5,200$4,205$3,374$2,689$2,130$795
21 years$4,900$3,917$3,104$2,440$1,906$669
22 years$4,628$3,656$2,860$2,219$1,709$564
23 years$4,380$3,420$2,641$2,021$1,534$476
24 years$4,153$3,204$2,443$1,843$1,379$401
25 years$3,945$3,007$2,262$1,683$1,241$339
26 years$3,752$2,826$2,098$1,539$1,117$286
27 years$3,575$2,660$1,948$1,409$1,007$242
28 years$3,410$2,506$1,811$1,291$909$205
29 years$3,257$2,364$1,686$1,184$821$173
30 years$3,114$2,233$1,570$1,086$742$146
31 years$2,981$2,111$1,464$998$671$124
32 years$2,857$1,997$1,366$917$607$105
33 years$2,740$1,891$1,275$843$549$89
34 years$2,630$1,793$1,191$776$497$75
35 years$2,527$1,700$1,114$714$450$63
36 years$2,430$1,614$1,042$658$408$54
37 years$2,338$1,533$975$606$370$45
38 years$2,252$1,457$913$559$335$38
39 years$2,170$1,385$856$515$304$33
40 years$2,092$1,318$802$475$276$28
41 years$2,018$1,254$752$438$250$23
42 years$1,948$1,195$705$404$227$20
43 years$1,881$1,138$662$373$206$17
44 years$1,818$1,085$621$345$187$14
45 years$1,757$1,035$583$318$170$12
46 years$1,700$987$548$294$154$10
47 years$1,645$942$515$272$140$9
48 years$1,592$899$484$251$127$7
49 years$1,542$859$455$232$115$6
50 years$1,494$820$428$214$105$5

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 $2,936 every year, while hoping to spend $55,639 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: 71/15/14 Blend
34$1,530,000$1,530,000$1,530,000$1,530,000
35$1,689,088$1,607,998$1,584,283$1,803,569
36$1,802,176$1,627,591$1,578,158$1,899,504
37$1,924,934$1,646,279$1,569,962$1,997,464
38$2,058,289$1,663,959$1,559,567$2,103,244
39$2,203,263$1,680,521$1,546,841$2,217,607
40$2,360,977$1,695,848$1,531,642$2,341,391
41$2,532,667$1,709,815$1,513,822$2,475,522
42$2,719,692$1,722,288$1,493,228$2,621,021
43$2,923,547$1,733,127$1,469,698$2,779,012
44$3,145,879$1,742,180$1,443,062$2,950,735
45$3,388,498$1,749,287$1,413,145$3,137,557
46$3,653,400$1,754,276$1,379,760$3,340,984
47$3,942,778$1,756,968$1,342,714$3,562,678
48$4,259,051$1,757,168$1,301,803$3,804,469
49$4,604,877$1,754,672$1,256,817$4,068,377
50$4,983,187$1,749,264$1,207,533$4,356,628
51$5,397,206$1,740,711$1,153,719$4,671,676
52$5,850,485$1,728,771$1,095,133$5,016,226
53$6,346,936$1,713,182$1,031,521$5,393,261
54$6,890,866$1,693,670$962,619$5,806,069
55$7,487,017$1,669,943$888,150$6,258,277
56$8,140,614$1,641,691$807,825$6,753,881
57$8,857,411$1,608,588$721,341$7,297,288
58$9,643,744$1,570,287$628,383$7,893,356
59$10,506,594$1,526,419$528,622$8,547,441
60$11,453,649$1,476,596$421,713$9,265,449
61$12,493,378$1,420,406$307,297$10,053,889
62$13,635,111$1,357,413$185,000$10,919,939
63$14,889,123$1,287,158$54,428$11,871,509
64$16,266,737$1,209,152$0$12,917,322
65$17,780,423$1,122,879$0$14,079,679
66$19,443,921$1,027,795$0$15,365,995
67$21,272,368$923,324$0$16,779,885
68$23,282,439$808,856$0$18,334,300
69$25,492,506$683,749$0$20,043,512
70$27,922,811$547,322$0$21,923,252
71$30,595,655$398,858$0$23,990,855
72$33,535,607$237,597$0$26,265,425
73$36,769,738$62,739$0$28,768,018
74$40,327,877$0$0$31,521,836
75$44,242,885$0$0$34,573,343
76$48,550,974$0$0$37,942,718
77$53,292,040$0$0$41,650,820
78$58,510,045$0$0$45,732,044
79$64,253,425$0$0$50,224,287
80$70,575,554$0$0$55,169,307
81$77,535,241$0$0$60,613,118
82$85,197,287$0$0$66,606,418
83$93,633,096$0$0$73,205,073
84$102,921,346$0$0$80,470,643
85$113,148,734$0$0$88,470,958
86$124,410,792$0$0$97,280,763
87$136,812,789$0$0$106,982,420
88$150,470,720$0$0$117,666,685
89$165,512,405$0$0$129,433,565
90$182,078,692$0$0$142,393,260
91$200,324,788$0$0$156,667,205
92$220,421,719$0$0$172,389,211
93$242,557,946$0$0$189,706,734
94$266,941,145$0$0$208,782,259
95$293,800,162$0$0$229,794,840
96$323,387,176$0$0$252,941,782
97$355,980,076$0$0$278,440,511
98$391,885,086$0$0$306,530,618
99$431,439,650$0$0$337,476,125
100$475,015,622$0$0$371,567,974