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

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 $1,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$131,301$130,131$128,990$127,876$126,789$124,229
2 years$65,000$63,790$62,617$61,479$60,376$57,808
3 years$42,903$41,687$40,517$39,390$38,305$35,809
4 years$31,857$30,645$29,486$28,378$27,319$24,915
5 years$25,231$24,026$22,882$21,797$20,768$18,462
6 years$20,815$19,619$18,492$17,432$16,433$14,227
7 years$17,662$16,476$15,367$14,331$13,364$11,260
8 years$15,298$14,123$13,033$12,022$11,087$9,083
9 years$13,460$12,296$11,225$10,240$9,337$7,432
10 years$11,991$10,839$9,786$8,827$7,955$6,148
11 years$10,790$9,649$8,616$7,682$6,842$5,130
12 years$9,790$8,661$7,646$6,738$5,929$4,310
13 years$8,944$7,827$6,831$5,949$5,170$3,641
14 years$8,220$7,114$6,138$5,281$4,532$3,090
15 years$7,593$6,499$5,542$4,710$3,991$2,632
16 years$7,044$5,963$5,024$4,217$3,527$2,250
17 years$6,561$5,491$4,572$3,789$3,127$1,927
18 years$6,132$5,074$4,174$3,415$2,781$1,655
19 years$5,749$4,703$3,821$3,085$2,478$1,424
20 years$5,404$4,370$3,507$2,794$2,214$1,227
21 years$5,092$4,071$3,225$2,536$1,981$1,059
22 years$4,810$3,800$2,973$2,306$1,776$915
23 years$4,552$3,554$2,745$2,100$1,594$791
24 years$4,316$3,330$2,538$1,915$1,433$685
25 years$4,099$3,125$2,351$1,749$1,289$593
26 years$3,900$2,937$2,180$1,599$1,161$514
27 years$3,715$2,764$2,025$1,464$1,047$446
28 years$3,544$2,604$1,882$1,341$945$387
29 years$3,385$2,457$1,752$1,230$853$336
30 years$3,237$2,320$1,632$1,129$771$291
31 years$3,098$2,193$1,521$1,037$697$253
32 years$2,969$2,075$1,419$953$630$220
33 years$2,847$1,965$1,325$876$570$191
34 years$2,734$1,863$1,238$806$517$166
35 years$2,626$1,767$1,158$742$468$144
36 years$2,525$1,677$1,083$683$424$126
37 years$2,430$1,593$1,014$630$384$109
38 years$2,340$1,514$949$580$348$95
39 years$2,255$1,439$889$535$316$83
40 years$2,174$1,369$833$494$286$72
41 years$2,097$1,304$782$455$260$62
42 years$2,024$1,241$733$420$236$54
43 years$1,955$1,183$688$388$214$47
44 years$1,889$1,128$646$358$194$41
45 years$1,826$1,075$606$331$176$36
46 years$1,766$1,026$569$306$160$31
47 years$1,709$979$535$282$145$27
48 years$1,655$934$503$261$132$24
49 years$1,602$892$473$241$120$21
50 years$1,552$852$444$223$109$18

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 $3,985 every year, while hoping to spend $24,469 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: 80/9/11 Blend
34$1,590,000$1,590,000$1,590,000$1,590,000
35$1,756,291$1,672,021$1,647,376$1,893,114
36$1,909,397$1,727,915$1,676,528$2,039,388
37$2,077,301$1,785,728$1,705,837$2,196,276
38$2,261,485$1,845,527$1,735,281$2,367,721
39$2,463,583$1,907,385$1,764,840$2,555,169
40$2,685,395$1,971,373$1,794,488$2,760,211
41$2,928,903$2,037,569$1,824,202$2,984,599
42$3,196,292$2,106,050$1,853,953$3,230,262
43$3,489,966$2,176,899$1,883,713$3,499,326
44$3,812,576$2,250,201$1,913,451$3,794,132
45$4,167,042$2,326,043$1,943,134$4,117,258
46$4,556,578$2,404,518$1,972,728$4,471,544
47$4,984,729$2,485,719$2,002,194$4,860,118
48$5,455,399$2,569,746$2,031,494$5,286,428
49$5,972,886$2,656,700$2,060,586$5,754,268
50$6,541,930$2,746,688$2,089,425$6,267,821
51$7,167,750$2,839,819$2,117,965$6,831,695
52$7,856,098$2,936,208$2,146,154$7,450,965
53$8,613,311$3,035,973$2,173,941$8,131,222
54$9,446,370$3,139,237$2,201,269$8,878,627
55$10,362,967$3,246,127$2,228,079$9,699,967
56$11,371,579$3,356,777$2,254,309$10,602,721
57$12,481,545$3,471,323$2,279,893$11,595,126
58$13,703,154$3,589,910$2,304,761$12,686,261
59$15,047,745$3,712,685$2,328,840$13,886,126
60$16,527,811$3,839,802$2,352,052$15,205,742
61$18,157,116$3,971,421$2,374,315$16,657,250
62$19,950,831$4,107,709$2,395,543$18,254,029
63$21,925,667$4,248,839$2,415,645$20,010,818
64$24,100,042$4,394,989$2,434,526$21,943,862
65$26,494,249$4,546,346$2,452,085$24,071,056
66$29,130,649$4,703,103$2,468,217$26,412,120
67$32,033,882$4,865,463$2,482,809$28,988,785
68$35,231,101$5,033,633$2,495,746$31,824,992
69$38,752,223$5,207,830$2,506,903$34,947,127
70$42,630,217$5,388,282$2,516,152$38,384,259
71$46,901,413$5,575,221$2,523,356$42,168,424
72$51,605,842$5,768,892$2,528,374$46,334,922
73$56,787,619$5,969,549$2,531,055$50,922,650
74$62,495,353$6,177,454$2,531,243$55,974,470
75$68,782,611$6,392,881$2,528,772$61,537,613
76$75,708,421$6,616,115$2,523,469$67,664,126
77$83,337,827$6,847,452$2,515,152$74,411,360
78$91,742,508$7,087,200$2,503,633$81,842,514
79$101,001,450$7,335,679$2,488,710$90,027,230
80$111,201,691$7,593,221$2,470,176$99,042,250
81$122,439,148$7,860,172$2,447,810$108,972,139
82$134,819,513$8,136,893$2,421,384$119,910,087
83$148,459,261$8,423,758$2,390,658$131,958,785
84$163,486,739$8,721,156$2,355,379$145,231,393
85$180,043,387$9,029,493$2,315,284$159,852,611
86$198,285,064$9,349,190$2,270,097$175,959,855
87$218,383,525$9,680,685$2,219,531$193,704,553
88$240,528,041$10,024,435$2,163,281$213,253,575
89$264,927,184$10,380,915$2,101,034$234,790,807
90$291,810,795$10,750,618$2,032,457$258,518,887
91$321,432,158$11,134,060$1,957,206$284,661,119
92$354,070,385$11,531,776$1,874,919$313,463,578
93$390,033,053$11,944,322$1,785,218$345,197,435
94$429,659,109$12,372,279$1,687,708$380,161,515
95$473,322,068$12,816,250$1,581,976$418,685,119
96$521,433,537$13,276,864$1,467,590$461,131,131
97$574,447,103$13,754,776$1,344,100$507,899,445
98$632,862,615$14,250,667$1,211,034$559,430,737
99$697,230,898$14,765,247$1,067,900$616,210,629
100$768,158,960$15,299,254$914,185$678,774,268