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%12.3%
1 years$129,649$128,494$127,368$126,268$125,194$123,990
2 years$64,183$62,987$61,829$60,706$59,616$58,403
3 years$42,363$41,163$40,007$38,895$37,823$36,639
4 years$31,456$30,259$29,115$28,021$26,976$25,829
5 years$24,913$23,724$22,595$21,523$20,506$19,401
6 years$20,553$19,372$18,260$17,212$16,226$15,163
7 years$17,439$16,269$15,174$14,151$13,196$12,177
8 years$15,105$13,945$12,869$11,871$10,947$9,971
9 years$13,291$12,142$11,084$10,111$9,219$8,286
10 years$11,840$10,702$9,663$8,716$7,855$6,964
11 years$10,654$9,528$8,507$7,586$6,756$5,906
12 years$9,667$8,552$7,550$6,654$5,854$5,045
13 years$8,831$7,728$6,745$5,874$5,105$4,335
14 years$8,116$7,025$6,061$5,214$4,475$3,744
15 years$7,497$6,417$5,472$4,650$3,940$3,246
16 years$6,956$5,888$4,961$4,164$3,482$2,825
17 years$6,479$5,422$4,515$3,741$3,088$2,466
18 years$6,055$5,010$4,121$3,372$2,746$2,157
19 years$5,676$4,644$3,773$3,047$2,447$1,892
20 years$5,336$4,315$3,462$2,759$2,186$1,662
21 years$5,028$4,019$3,185$2,504$1,956$1,462
22 years$4,749$3,752$2,935$2,277$1,753$1,289
23 years$4,495$3,509$2,710$2,074$1,574$1,137
24 years$4,262$3,288$2,506$1,891$1,415$1,004
25 years$4,048$3,085$2,321$1,727$1,273$888
26 years$3,850$2,900$2,153$1,579$1,147$786
27 years$3,668$2,729$1,999$1,446$1,034$696
28 years$3,499$2,572$1,859$1,324$933$616
29 years$3,342$2,426$1,730$1,215$842$546
30 years$3,196$2,291$1,611$1,115$761$485
31 years$3,059$2,166$1,502$1,024$688$430
32 years$2,931$2,049$1,401$941$622$382
33 years$2,812$1,941$1,308$865$563$339
34 years$2,699$1,839$1,223$796$510$301
35 years$2,593$1,745$1,143$733$462$268
36 years$2,494$1,656$1,069$675$419$238
37 years$2,399$1,573$1,001$622$379$211
38 years$2,310$1,495$937$573$344$188
39 years$2,226$1,421$878$528$312$167
40 years$2,146$1,352$823$487$283$149
41 years$2,071$1,287$772$450$257$132
42 years$1,999$1,226$724$415$233$118
43 years$1,930$1,168$679$383$211$105
44 years$1,865$1,113$638$354$192$93
45 years$1,803$1,062$599$327$174$83
46 years$1,744$1,013$562$302$158$74
47 years$1,688$967$528$279$144$66
48 years$1,634$923$496$258$130$58
49 years$1,582$881$467$238$118$52
50 years$1,533$842$439$220$108$46

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 $6,575 every year, while hoping to spend $25,445 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: 44/35/21 Blend
34$1,570,000$1,570,000$1,570,000$1,570,000
35$1,736,922$1,653,712$1,629,377$1,802,523
36$1,887,015$1,707,671$1,656,888$1,903,420
37$2,051,564$1,763,420$1,684,468$2,009,719
38$2,232,018$1,821,022$1,712,092$2,124,423
39$2,429,971$1,880,539$1,739,733$2,248,319
40$2,647,179$1,942,037$1,767,365$2,382,280
41$2,885,576$2,005,582$1,794,958$2,527,260
42$3,147,295$2,071,245$1,822,478$2,684,312
43$3,434,681$2,139,098$1,849,894$2,854,593
44$3,750,321$2,209,217$1,877,168$3,039,377
45$4,097,064$2,281,678$1,904,263$3,240,066
46$4,478,047$2,356,563$1,931,138$3,458,202
47$4,896,727$2,433,954$1,957,751$3,695,482
48$5,356,913$2,513,938$1,984,055$3,953,775
49$5,862,801$2,596,603$2,010,004$4,235,138
50$6,419,013$2,682,043$2,035,545$4,541,834
51$7,030,643$2,770,353$2,060,626$4,876,359
52$7,703,300$2,861,633$2,085,189$5,241,455
53$8,443,168$2,955,984$2,109,174$5,640,145
54$9,257,057$3,053,513$2,132,517$6,075,758
55$10,152,473$3,154,331$2,155,153$6,551,958
56$11,137,684$3,258,552$2,177,009$7,072,781
57$12,221,800$3,366,294$2,198,011$7,642,673
58$13,414,861$3,477,679$2,218,082$8,266,529
59$14,727,927$3,592,836$2,237,137$8,949,740
60$16,173,185$3,711,894$2,255,091$9,698,245
61$17,764,064$3,834,991$2,271,851$10,518,588
62$19,515,361$3,962,268$2,287,320$11,417,972
63$21,443,380$4,093,872$2,301,398$12,404,335
64$23,566,087$4,229,954$2,313,977$13,486,422
65$25,903,278$4,370,671$2,324,945$14,673,864
66$28,476,766$4,516,188$2,334,185$15,977,274
67$31,310,588$4,666,672$2,341,571$17,408,340
68$34,431,228$4,822,300$2,346,974$18,979,941
69$37,867,873$4,983,253$2,350,258$20,706,267
70$41,652,683$5,149,719$2,351,278$22,602,949
71$45,821,096$5,321,894$2,349,885$24,687,210
72$50,412,161$5,499,980$2,345,920$26,978,024
73$55,468,911$5,684,189$2,339,217$29,496,298
74$61,038,762$5,874,736$2,329,604$32,265,066
75$67,173,967$6,071,850$2,316,897$35,309,708
76$73,932,105$6,275,763$2,300,905$38,658,187
77$81,376,623$6,486,719$2,281,430$42,341,315
78$89,577,441$6,704,971$2,258,260$46,393,040
79$98,611,605$6,930,780$2,231,177$50,850,770
80$108,564,018$7,164,417$2,199,950$55,755,722
81$119,528,239$7,406,164$2,164,339$61,153,312
82$131,607,367$7,656,314$2,124,092$67,093,585
83$144,915,014$7,915,169$2,078,945$73,631,683
84$159,576,378$8,183,045$2,028,622$80,828,367
85$175,729,422$8,460,267$1,972,835$88,750,590
86$193,526,178$8,747,176$1,911,280$97,472,129
87$213,134,183$9,044,122$1,843,642$107,074,281
88$234,738,057$9,351,471$1,769,592$117,646,625
89$258,541,248$9,669,602$1,688,782$129,287,875
90$284,767,951$9,998,909$1,600,852$142,106,805
91$313,665,226$10,339,799$1,505,425$156,223,277
92$345,505,329$10,692,699$1,402,106$171,769,373
93$380,588,278$11,058,047$1,290,482$188,890,639
94$419,244,692$11,436,301$1,170,123$207,747,461
95$461,838,908$11,827,937$1,040,580$228,516,573
96$508,772,418$12,233,448$901,381$251,392,733
97$560,487,664$12,653,345$752,036$276,590,552
98$617,472,209$13,088,162$592,032$304,346,526
99$680,263,344$13,538,452$420,835$334,921,262
100$749,453,157$14,004,788$237,885$368,601,943