Can I retire at age 35 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$129,649$128,494$127,368$126,268$125,194$120,848
2 years$64,183$62,987$61,829$60,706$59,616$55,283
3 years$42,363$41,163$40,007$38,895$37,823$33,638
4 years$31,456$30,259$29,115$28,021$26,976$22,971
5 years$24,913$23,724$22,595$21,523$20,506$16,693
6 years$20,553$19,372$18,260$17,212$16,226$12,607
7 years$17,439$16,269$15,174$14,151$13,196$9,770
8 years$15,105$13,945$12,869$11,871$10,947$7,712
9 years$13,291$12,142$11,084$10,111$9,219$6,171
10 years$11,840$10,702$9,663$8,716$7,855$4,988
11 years$10,654$9,528$8,507$7,586$6,756$4,064
12 years$9,667$8,552$7,550$6,654$5,854$3,333
13 years$8,831$7,728$6,745$5,874$5,105$2,746
14 years$8,116$7,025$6,061$5,214$4,475$2,272
15 years$7,497$6,417$5,472$4,650$3,940$1,886
16 years$6,956$5,888$4,961$4,164$3,482$1,569
17 years$6,479$5,422$4,515$3,741$3,088$1,309
18 years$6,055$5,010$4,121$3,372$2,746$1,094
19 years$5,676$4,644$3,773$3,047$2,447$915
20 years$5,336$4,315$3,462$2,759$2,186$767
21 years$5,028$4,019$3,185$2,504$1,956$643
22 years$4,749$3,752$2,935$2,277$1,753$540
23 years$4,495$3,509$2,710$2,074$1,574$453
24 years$4,262$3,288$2,506$1,891$1,415$381
25 years$4,048$3,085$2,321$1,727$1,273$320
26 years$3,850$2,900$2,153$1,579$1,147$270
27 years$3,668$2,729$1,999$1,446$1,034$227
28 years$3,499$2,572$1,859$1,324$933$191
29 years$3,342$2,426$1,730$1,215$842$161
30 years$3,196$2,291$1,611$1,115$761$135
31 years$3,059$2,166$1,502$1,024$688$114
32 years$2,931$2,049$1,401$941$622$96
33 years$2,812$1,941$1,308$865$563$81
34 years$2,699$1,839$1,223$796$510$68
35 years$2,593$1,745$1,143$733$462$58
36 years$2,494$1,656$1,069$675$419$48
37 years$2,399$1,573$1,001$622$379$41
38 years$2,310$1,495$937$573$344$34
39 years$2,226$1,421$878$528$312$29
40 years$2,146$1,352$823$487$283$24
41 years$2,071$1,287$772$450$257$21
42 years$1,999$1,226$724$415$233$17
43 years$1,930$1,168$679$383$211$15
44 years$1,865$1,113$638$354$192$12
45 years$1,803$1,062$599$327$174$10
46 years$1,744$1,013$562$302$158$9
47 years$1,688$967$528$279$144$7
48 years$1,634$923$496$258$130$6
49 years$1,582$881$467$238$118$5
50 years$1,533$842$439$220$108$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,570,000, adding $5,833 every year, while hoping to spend $53,402 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: 66/28/6 Blend
34$1,570,000$1,570,000$1,570,000$1,570,000
35$1,736,157$1,652,947$1,628,612$1,848,736
36$1,856,425$1,677,122$1,626,351$1,948,388
37$1,987,172$1,700,692$1,622,225$2,050,298
38$2,129,408$1,723,570$1,616,114$2,160,244
39$2,284,248$1,745,666$1,607,894$2,279,000
40$2,452,917$1,766,879$1,597,434$2,407,422
41$2,636,764$1,787,106$1,584,598$2,546,452
42$2,837,274$1,806,234$1,569,242$2,697,126
43$3,056,080$1,824,143$1,551,216$2,860,590
44$3,294,980$1,840,707$1,530,361$3,038,103
45$3,555,955$1,855,788$1,506,515$3,231,056
46$3,841,182$1,869,241$1,479,503$3,440,981
47$4,153,063$1,880,914$1,449,146$3,669,566
48$4,494,237$1,890,641$1,415,255$3,918,674
49$4,867,615$1,898,247$1,377,631$4,190,356
50$5,276,398$1,903,548$1,336,069$4,486,874
51$5,724,114$1,906,346$1,290,351$4,810,724
52$6,214,648$1,906,431$1,240,251$5,164,653
53$6,752,276$1,903,580$1,185,534$5,551,695
54$7,341,710$1,897,557$1,125,951$5,975,190
55$7,988,138$1,888,111$1,061,244$6,438,823
56$8,697,275$1,874,975$991,143$6,946,655
57$9,475,417$1,857,869$915,365$7,503,166
58$10,329,495$1,836,490$833,616$8,113,291
59$11,267,149$1,810,524$745,588$8,782,474
60$12,296,791$1,779,632$650,958$9,516,715
61$13,427,689$1,743,459$549,390$10,322,630
62$14,670,052$1,701,628$440,533$11,207,511
63$16,035,127$1,653,737$324,021$12,179,399
64$17,535,306$1,599,366$199,471$13,247,159
65$19,184,237$1,538,064$66,483$14,420,561
66$20,996,959$1,469,360$0$15,710,380
67$22,990,041$1,392,750$0$17,133,322
68$25,181,736$1,307,706$0$18,702,505
69$27,592,155$1,213,666$0$20,428,131
70$30,243,456$1,110,037$0$22,326,142
71$33,160,053$996,193$0$24,414,111
72$36,368,843$871,470$0$26,711,406
73$39,899,463$735,171$0$29,239,378
74$43,784,567$586,554$0$32,021,559
75$48,060,137$424,838$0$35,083,889
76$52,765,815$249,199$0$38,454,960
77$57,945,283$58,766$0$42,166,288
78$63,646,675$0$0$46,252,608
79$69,923,023$0$0$50,797,620
80$76,832,768$0$0$55,821,364
81$84,440,301$0$0$61,352,564
82$92,816,576$0$0$67,442,826
83$102,039,776$0$0$74,149,012
84$112,196,055$0$0$81,533,779
85$123,380,342$0$0$89,666,173
86$135,697,247$0$0$98,622,273
87$149,262,037$0$0$108,485,915
88$164,201,731$0$0$119,349,480
89$180,656,295$0$0$131,314,765
90$198,779,964$0$0$144,493,947
91$218,742,693$0$0$159,010,634
92$240,731,767$0$0$175,001,040
93$264,953,562$0$0$192,615,265
94$291,635,496$0$0$212,018,710
95$321,028,172$0$0$233,393,642
96$353,407,745$0$0$256,940,911
97$389,078,528$0$0$282,881,847
98$428,375,861$0$0$311,460,347
99$471,669,279$0$0$342,945,177
100$519,365,997$0$0$377,632,510