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%18.9%
1 years$131,301$130,131$128,990$127,876$126,789$122,242
2 years$65,000$63,790$62,617$61,479$60,376$55,844
3 years$42,903$41,687$40,517$39,390$38,305$33,930
4 years$31,857$30,645$29,486$28,378$27,319$23,136
5 years$25,231$24,026$22,882$21,797$20,768$16,786
6 years$20,815$19,619$18,492$17,432$16,433$12,656
7 years$17,662$16,476$15,367$14,331$13,364$9,792
8 years$15,298$14,123$13,033$12,022$11,087$7,716
9 years$13,460$12,296$11,225$10,240$9,337$6,162
10 years$11,991$10,839$9,786$8,827$7,955$4,972
11 years$10,790$9,649$8,616$7,682$6,842$4,043
12 years$9,790$8,661$7,646$6,738$5,929$3,308
13 years$8,944$7,827$6,831$5,949$5,170$2,721
14 years$8,220$7,114$6,138$5,281$4,532$2,246
15 years$7,593$6,499$5,542$4,710$3,991$1,860
16 years$7,044$5,963$5,024$4,217$3,527$1,545
17 years$6,561$5,491$4,572$3,789$3,127$1,286
18 years$6,132$5,074$4,174$3,415$2,781$1,072
19 years$5,749$4,703$3,821$3,085$2,478$895
20 years$5,404$4,370$3,507$2,794$2,214$748
21 years$5,092$4,071$3,225$2,536$1,981$626
22 years$4,810$3,800$2,973$2,306$1,776$524
23 years$4,552$3,554$2,745$2,100$1,594$439
24 years$4,316$3,330$2,538$1,915$1,433$368
25 years$4,099$3,125$2,351$1,749$1,289$309
26 years$3,900$2,937$2,180$1,599$1,161$259
27 years$3,715$2,764$2,025$1,464$1,047$218
28 years$3,544$2,604$1,882$1,341$945$183
29 years$3,385$2,457$1,752$1,230$853$154
30 years$3,237$2,320$1,632$1,129$771$129
31 years$3,098$2,193$1,521$1,037$697$108
32 years$2,969$2,075$1,419$953$630$91
33 years$2,847$1,965$1,325$876$570$77
34 years$2,734$1,863$1,238$806$517$64
35 years$2,626$1,767$1,158$742$468$54
36 years$2,525$1,677$1,083$683$424$45
37 years$2,430$1,593$1,014$630$384$38
38 years$2,340$1,514$949$580$348$32
39 years$2,255$1,439$889$535$316$27
40 years$2,174$1,369$833$494$286$23
41 years$2,097$1,304$782$455$260$19
42 years$2,024$1,241$733$420$236$16
43 years$1,955$1,183$688$388$214$14
44 years$1,889$1,128$646$358$194$11
45 years$1,826$1,075$606$331$176$10
46 years$1,766$1,026$569$306$160$8
47 years$1,709$979$535$282$145$7
48 years$1,655$934$503$261$132$6
49 years$1,602$892$473$241$120$5
50 years$1,552$852$444$223$109$4

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 $3,922 every year, while hoping to spend $34,319 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: 51/20/29 Blend
34$1,590,000$1,590,000$1,590,000$1,590,000
35$1,756,226$1,671,956$1,647,311$1,831,244
36$1,898,845$1,717,366$1,665,980$1,929,424
37$2,054,862$1,763,852$1,684,125$2,032,382
38$2,225,606$1,811,429$1,701,692$2,143,675
39$2,412,543$1,860,113$1,718,623$2,264,113
40$2,617,284$1,909,921$1,734,858$2,394,587
41$2,841,607$1,960,866$1,750,336$2,536,082
42$3,087,467$2,012,965$1,764,989$2,689,678
43$3,357,020$2,066,232$1,778,747$2,856,570
44$3,652,638$2,120,679$1,791,537$3,038,072
45$3,976,935$2,176,321$1,803,282$3,235,633
46$4,332,790$2,233,168$1,813,899$3,450,848
47$4,723,373$2,291,232$1,823,303$3,685,476
48$5,152,178$2,350,523$1,831,405$3,941,456
49$5,623,052$2,411,051$1,838,109$4,220,924
50$6,140,234$2,472,823$1,843,317$4,526,235
51$6,708,393$2,535,846$1,846,923$4,859,982
52$7,332,673$2,600,126$1,848,818$5,225,024
53$8,018,740$2,665,667$1,848,888$5,624,514
54$8,772,837$2,732,470$1,847,011$6,061,924
55$9,601,842$2,800,537$1,843,061$6,541,082
56$10,513,332$2,869,865$1,836,906$7,066,206
57$11,515,654$2,940,451$1,828,405$7,641,945
58$12,618,008$3,012,290$1,817,414$8,273,426
59$13,830,526$3,085,374$1,803,779$8,966,294
60$15,164,374$3,159,691$1,787,339$9,726,775
61$16,631,853$3,235,228$1,767,928$10,561,731
62$18,246,517$3,311,970$1,745,368$11,478,722
63$20,023,300$3,389,895$1,719,477$12,486,083
64$21,978,658$3,468,981$1,690,061$13,592,999
65$24,130,722$3,549,202$1,656,918$14,809,595
66$26,499,469$3,630,526$1,619,838$16,147,029
67$29,106,911$3,712,918$1,578,599$17,617,598
68$31,977,304$3,796,339$1,532,970$19,234,858
69$35,137,374$3,880,745$1,482,710$21,013,747
70$38,616,570$3,966,086$1,427,565$22,970,730
71$42,447,343$4,052,306$1,367,271$25,123,955
72$46,665,449$4,139,346$1,301,551$27,493,422
73$51,310,288$4,227,138$1,230,117$30,101,175
74$56,425,278$4,315,607$1,152,666$32,971,509
75$62,058,258$4,404,675$1,068,882$36,131,199
76$68,261,947$4,494,250$978,437$39,609,757
77$75,094,436$4,584,239$880,984$43,439,708
78$82,619,736$4,674,534$776,165$47,656,899
79$90,908,385$4,765,022$663,602$52,300,836
80$100,038,112$4,855,580$542,904$57,415,061
81$110,094,568$4,946,072$413,661$63,047,562
82$121,172,139$5,036,355$275,443$69,251,226
83$133,374,832$5,126,271$127,805$76,084,341
84$146,817,258$5,215,651$0$83,611,147
85$161,625,715$5,304,315$0$91,911,646
86$177,939,377$5,392,065$0$101,097,460
87$195,911,610$5,478,692$0$111,215,151
88$215,711,416$5,563,970$0$122,359,653
89$237,525,032$5,647,657$0$134,635,583
90$261,557,686$5,729,492$0$148,158,226
91$288,035,530$5,809,198$0$163,054,625
92$317,207,782$5,886,476$0$179,464,783
93$349,349,072$5,961,010$0$197,542,977
94$384,762,035$6,032,457$0$217,459,222
95$423,780,170$6,100,455$0$239,400,875
96$466,770,986$6,164,616$0$263,574,398
97$514,139,470$6,224,525$0$290,207,315
98$566,331,912$6,279,742$0$319,550,355
99$623,840,114$6,329,797$0$351,879,821
100$687,206,037$6,374,188$0$387,500,198