Can I retire at age 35 with 1,590,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$131,301$130,131$128,990$127,876$126,789$125,779
2 years$65,000$63,790$62,617$61,479$60,376$59,358
3 years$42,903$41,687$40,517$39,390$38,305$37,310
4 years$31,857$30,645$29,486$28,378$27,319$26,356
5 years$25,231$24,026$22,882$21,797$20,768$19,838
6 years$20,815$19,619$18,492$17,432$16,433$15,538
7 years$17,662$16,476$15,367$14,331$13,364$12,505
8 years$15,298$14,123$13,033$12,022$11,087$10,264
9 years$13,460$12,296$11,225$10,240$9,337$8,549
10 years$11,991$10,839$9,786$8,827$7,955$7,202
11 years$10,790$9,649$8,616$7,682$6,842$6,123
12 years$9,790$8,661$7,646$6,738$5,929$5,244
13 years$8,944$7,827$6,831$5,949$5,170$4,518
14 years$8,220$7,114$6,138$5,281$4,532$3,912
15 years$7,593$6,499$5,542$4,710$3,991$3,401
16 years$7,044$5,963$5,024$4,217$3,527$2,968
17 years$6,561$5,491$4,572$3,789$3,127$2,597
18 years$6,132$5,074$4,174$3,415$2,781$2,279
19 years$5,749$4,703$3,821$3,085$2,478$2,004
20 years$5,404$4,370$3,507$2,794$2,214$1,766
21 years$5,092$4,071$3,225$2,536$1,981$1,559
22 years$4,810$3,800$2,973$2,306$1,776$1,378
23 years$4,552$3,554$2,745$2,100$1,594$1,219
24 years$4,316$3,330$2,538$1,915$1,433$1,080
25 years$4,099$3,125$2,351$1,749$1,289$958
26 years$3,900$2,937$2,180$1,599$1,161$850
27 years$3,715$2,764$2,025$1,464$1,047$755
28 years$3,544$2,604$1,882$1,341$945$671
29 years$3,385$2,457$1,752$1,230$853$597
30 years$3,237$2,320$1,632$1,129$771$531
31 years$3,098$2,193$1,521$1,037$697$473
32 years$2,969$2,075$1,419$953$630$421
33 years$2,847$1,965$1,325$876$570$375
34 years$2,734$1,863$1,238$806$517$335
35 years$2,626$1,767$1,158$742$468$298
36 years$2,525$1,677$1,083$683$424$266
37 years$2,430$1,593$1,014$630$384$237
38 years$2,340$1,514$949$580$348$212
39 years$2,255$1,439$889$535$316$189
40 years$2,174$1,369$833$494$286$169
41 years$2,097$1,304$782$455$260$150
42 years$2,024$1,241$733$420$236$134
43 years$1,955$1,183$688$388$214$120
44 years$1,889$1,128$646$358$194$107
45 years$1,826$1,075$606$331$176$96
46 years$1,766$1,026$569$306$160$85
47 years$1,709$979$535$282$145$76
48 years$1,655$934$503$261$132$68
49 years$1,602$892$473$241$120$61
50 years$1,552$852$444$223$109$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,590,000, adding $6,878 every year, while hoping to spend $45,064 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: 60/13/27 Blend
34$1,590,000$1,590,000$1,590,000$1,590,000
35$1,759,275$1,675,005$1,650,360$1,851,634
36$1,890,773$1,709,132$1,657,699$1,949,500
37$2,034,174$1,743,422$1,663,774$2,050,803
38$2,190,643$1,777,833$1,668,494$2,160,390
39$2,361,466$1,812,324$1,671,766$2,279,077
40$2,548,055$1,846,847$1,673,489$2,407,766
41$2,751,966$1,881,352$1,673,561$2,547,448
42$2,974,912$1,915,784$1,671,871$2,699,219
43$3,218,780$1,950,084$1,668,305$2,864,287
44$3,485,645$1,984,188$1,662,743$3,043,981
45$3,777,795$2,018,028$1,655,059$3,239,769
46$4,097,748$2,051,529$1,645,121$3,453,270
47$4,448,277$2,084,612$1,632,791$3,686,268
48$4,832,435$2,117,191$1,617,923$3,940,730
49$5,253,585$2,149,176$1,600,366$4,218,826
50$5,715,433$2,180,468$1,579,960$4,522,945
51$6,222,057$2,210,961$1,556,539$4,855,727
52$6,777,953$2,240,544$1,529,929$5,220,078
53$7,388,068$2,269,095$1,499,946$5,619,204
54$8,057,857$2,296,486$1,466,400$6,056,638
55$8,793,325$2,322,580$1,429,091$6,536,279
56$9,601,087$2,347,230$1,387,809$7,062,423
57$10,488,434$2,370,280$1,342,335$7,639,805
58$11,463,392$2,391,562$1,292,442$8,273,649
59$12,534,808$2,410,898$1,237,889$8,969,713
60$13,712,426$2,428,100$1,178,426$9,734,343
61$15,006,982$2,442,965$1,113,791$10,574,538
62$16,430,303$2,455,280$1,043,712$11,498,013
63$17,995,420$2,464,814$967,903$12,513,274
64$19,716,690$2,471,327$886,064$13,629,696
65$21,609,930$2,474,559$797,885$14,857,617
66$23,692,567$2,474,238$703,039$16,208,431
67$25,983,804$2,470,070$601,186$17,694,700
68$28,504,797$2,461,749$491,970$19,330,273
69$31,278,856$2,448,944$375,021$21,130,413
70$34,331,667$2,431,310$249,952$23,111,948
71$37,691,529$2,408,476$116,357$25,293,428
72$41,389,624$2,380,051$0$27,695,300
73$45,460,313$2,345,620$0$30,347,653
74$49,941,453$2,304,744$0$33,304,046
75$54,874,762$2,256,957$0$36,558,440
76$60,306,206$2,201,766$0$40,141,159
77$66,286,435$2,138,649$0$44,085,622
78$72,871,260$2,067,052$0$48,428,654
79$80,122,182$1,986,390$0$53,210,839
80$88,106,966$1,896,045$0$58,476,898
81$96,900,286$1,795,360$0$64,276,114
82$106,584,427$1,683,645$0$70,662,799
83$117,250,060$1,560,165$0$77,696,803
84$128,997,099$1,424,146$0$85,444,083
85$141,935,644$1,274,769$0$93,977,323
86$156,187,016$1,111,170$0$103,376,623
87$171,884,907$932,433$0$113,730,253
88$189,176,639$737,593$0$125,135,489
89$208,224,550$525,629$0$137,699,528
90$229,207,532$295,463$0$151,540,506
91$252,322,717$45,958$0$166,788,610
92$277,787,336$0$0$183,587,306
93$305,840,768$0$0$202,126,755
94$336,746,803$0$0$222,558,828
95$370,796,128$0$0$245,069,149
96$408,309,069$0$0$269,869,517
97$449,638,620$0$0$297,193,326
98$495,173,770$0$0$327,297,773
99$545,343,172$0$0$360,466,282
100$600,619,197$0$0$397,011,179