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%17.3%
1 years$129,649$128,494$127,368$126,268$125,194$121,478
2 years$64,183$62,987$61,829$60,706$59,616$55,904
3 years$42,363$41,163$40,007$38,895$37,823$34,230
4 years$31,456$30,259$29,115$28,021$26,976$23,529
5 years$24,913$23,724$22,595$21,523$20,506$17,216
6 years$20,553$19,372$18,260$17,212$16,226$13,095
7 years$17,439$16,269$15,174$14,151$13,196$10,224
8 years$15,105$13,945$12,869$11,871$10,947$8,133
9 years$13,291$12,142$11,084$10,111$9,219$6,559
10 years$11,840$10,702$9,663$8,716$7,855$5,345
11 years$10,654$9,528$8,507$7,586$6,756$4,392
12 years$9,667$8,552$7,550$6,654$5,854$3,633
13 years$8,831$7,728$6,745$5,874$5,105$3,020
14 years$8,116$7,025$6,061$5,214$4,475$2,521
15 years$7,497$6,417$5,472$4,650$3,940$2,112
16 years$6,956$5,888$4,961$4,164$3,482$1,774
17 years$6,479$5,422$4,515$3,741$3,088$1,494
18 years$6,055$5,010$4,121$3,372$2,746$1,260
19 years$5,676$4,644$3,773$3,047$2,447$1,065
20 years$5,336$4,315$3,462$2,759$2,186$901
21 years$5,028$4,019$3,185$2,504$1,956$763
22 years$4,749$3,752$2,935$2,277$1,753$647
23 years$4,495$3,509$2,710$2,074$1,574$549
24 years$4,262$3,288$2,506$1,891$1,415$467
25 years$4,048$3,085$2,321$1,727$1,273$396
26 years$3,850$2,900$2,153$1,579$1,147$337
27 years$3,668$2,729$1,999$1,446$1,034$287
28 years$3,499$2,572$1,859$1,324$933$244
29 years$3,342$2,426$1,730$1,215$842$208
30 years$3,196$2,291$1,611$1,115$761$177
31 years$3,059$2,166$1,502$1,024$688$150
32 years$2,931$2,049$1,401$941$622$128
33 years$2,812$1,941$1,308$865$563$109
34 years$2,699$1,839$1,223$796$510$93
35 years$2,593$1,745$1,143$733$462$79
36 years$2,494$1,656$1,069$675$419$67
37 years$2,399$1,573$1,001$622$379$58
38 years$2,310$1,495$937$573$344$49
39 years$2,226$1,421$878$528$312$42
40 years$2,146$1,352$823$487$283$36
41 years$2,071$1,287$772$450$257$30
42 years$1,999$1,226$724$415$233$26
43 years$1,930$1,168$679$383$211$22
44 years$1,865$1,113$638$354$192$19
45 years$1,803$1,062$599$327$174$16
46 years$1,744$1,013$562$302$158$14
47 years$1,688$967$528$279$144$12
48 years$1,634$923$496$258$130$10
49 years$1,582$881$467$238$118$8
50 years$1,533$842$439$220$108$7

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 $2,705 every year, while hoping to spend $35,038 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: 62/29/9 Blend
34$1,570,000$1,570,000$1,570,000$1,570,000
35$1,732,930$1,649,720$1,625,385$1,836,829
36$1,872,409$1,693,276$1,642,555$1,950,198
37$2,024,940$1,737,792$1,659,127$2,069,592
38$2,191,818$1,783,278$1,675,042$2,199,025
39$2,374,468$1,829,744$1,690,240$2,339,468
40$2,574,460$1,877,197$1,704,659$2,491,991
41$2,793,522$1,925,646$1,718,232$2,657,771
42$3,033,556$1,975,098$1,730,888$2,838,103
43$3,296,659$2,025,559$1,742,553$3,034,415
44$3,585,140$2,077,033$1,753,150$3,248,279
45$3,901,541$2,129,524$1,762,597$3,481,425
46$4,248,662$2,183,034$1,770,808$3,735,759
47$4,629,589$2,237,566$1,777,693$4,013,382
48$5,047,718$2,293,118$1,783,157$4,316,605
49$5,506,792$2,349,688$1,787,100$4,647,976
50$6,010,935$2,407,272$1,789,418$5,010,301
51$6,564,687$2,465,866$1,790,000$5,406,671
52$7,173,052$2,525,460$1,788,732$5,840,492
53$7,841,542$2,586,046$1,785,493$6,315,516
54$8,576,227$2,647,610$1,780,155$6,835,875
55$9,383,799$2,710,140$1,772,587$7,406,123
56$10,271,626$2,773,616$1,762,648$8,031,278
57$11,247,827$2,838,019$1,750,192$8,716,867
58$12,321,349$2,903,325$1,735,067$9,468,981
59$13,502,047$2,969,508$1,717,112$10,294,331
60$14,800,779$3,036,538$1,696,159$11,200,312
61$16,229,510$3,104,380$1,672,032$12,195,071
62$17,801,422$3,172,996$1,644,546$13,287,587
63$19,531,038$3,242,344$1,613,510$14,487,751
64$21,434,363$3,312,377$1,578,721$15,806,466
65$23,529,028$3,383,044$1,539,968$17,255,742
66$25,834,462$3,454,286$1,497,030$18,848,818
67$28,372,072$3,526,042$1,449,677$20,600,279
68$31,165,448$3,598,242$1,397,665$22,526,199
69$34,240,580$3,670,812$1,340,743$24,644,288
70$37,626,107$3,743,670$1,278,646$26,974,067
71$41,353,587$3,816,727$1,211,098$29,537,044
72$45,457,794$3,889,887$1,137,810$32,356,921
73$49,977,042$3,963,045$1,058,480$35,459,817
74$54,953,555$4,036,089$972,794$38,874,518
75$60,433,855$4,108,895$880,420$42,632,742
76$66,469,210$4,181,333$781,016$46,769,444
77$73,116,111$4,253,259$674,222$51,323,147
78$80,436,808$4,324,522$559,661$56,336,300
79$88,499,895$4,394,957$436,943$61,855,684
80$97,380,961$4,464,387$305,657$67,932,852
81$107,163,300$4,532,622$165,377$74,624,616
82$117,938,695$4,599,460$15,656$81,993,585
83$129,808,291$4,664,682$0$90,108,754
84$142,883,540$4,728,054$0$99,059,998
85$157,287,260$4,789,329$0$108,919,771
86$173,154,793$4,848,238$0$119,778,958
87$190,635,278$4,904,497$0$131,739,369
88$209,893,060$4,957,802$0$144,913,200
89$231,109,246$5,007,828$0$159,424,091
90$254,483,406$5,054,228$0$175,408,292
91$280,235,462$5,096,634$0$193,015,948
92$308,607,763$5,134,653$0$212,412,523
93$339,867,369$5,167,865$0$233,780,357
94$374,308,576$5,195,826$0$257,320,386
95$412,255,690$5,218,061$0$283,254,048
96$454,066,090$5,234,066$0$311,825,363
97$500,133,601$5,243,305$0$343,303,245
98$550,892,211$5,245,209$0$377,984,039
99$606,820,166$5,239,174$0$416,194,318
100$668,444,486$5,224,557$0$458,293,968