Can I retire at age 35 with 1,610,000?

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 $1,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$132,952$131,768$130,613$129,485$128,384$125,535
2 years$65,818$64,592$63,404$62,252$61,135$58,280
3 years$43,443$42,212$41,027$39,886$38,787$36,014
4 years$32,257$31,030$29,857$28,735$27,663$24,994
5 years$25,548$24,328$23,170$22,072$21,029$18,472
6 years$21,076$19,866$18,725$17,651$16,639$14,197
7 years$17,884$16,683$15,561$14,512$13,532$11,204
8 years$15,490$14,300$13,197$12,173$11,226$9,012
9 years$13,630$12,451$11,366$10,369$9,454$7,352
10 years$12,142$10,975$9,909$8,938$8,055$6,063
11 years$10,926$9,770$8,724$7,779$6,928$5,043
12 years$9,913$8,769$7,742$6,823$6,004$4,223
13 years$9,056$7,925$6,917$6,024$5,235$3,556
14 years$8,323$7,204$6,215$5,347$4,589$3,007
15 years$7,688$6,581$5,611$4,769$4,041$2,553
16 years$7,133$6,038$5,088$4,270$3,571$2,174
17 years$6,644$5,560$4,630$3,837$3,166$1,856
18 years$6,209$5,138$4,226$3,458$2,815$1,588
19 years$5,821$4,762$3,869$3,124$2,509$1,361
20 years$5,472$4,425$3,551$2,830$2,242$1,169
21 years$5,157$4,122$3,266$2,568$2,006$1,005
22 years$4,870$3,847$3,010$2,335$1,798$864
23 years$4,609$3,598$2,779$2,126$1,614$745
24 years$4,370$3,372$2,570$1,939$1,451$642
25 years$4,151$3,164$2,381$1,771$1,305$554
26 years$3,949$2,974$2,208$1,619$1,176$478
27 years$3,762$2,799$2,050$1,482$1,060$413
28 years$3,588$2,637$1,906$1,358$957$357
29 years$3,427$2,488$1,774$1,245$864$308
30 years$3,277$2,349$1,652$1,143$780$267
31 years$3,137$2,221$1,540$1,050$706$231
32 years$3,006$2,102$1,437$965$638$200
33 years$2,883$1,990$1,342$887$578$173
34 years$2,768$1,886$1,254$816$523$149
35 years$2,659$1,789$1,172$751$474$129
36 years$2,557$1,698$1,096$692$429$112
37 years$2,461$1,613$1,026$638$389$97
38 years$2,369$1,533$961$588$353$84
39 years$2,283$1,457$900$542$320$73
40 years$2,201$1,387$844$500$290$63
41 years$2,123$1,320$791$461$263$55
42 years$2,050$1,257$742$426$239$47
43 years$1,980$1,198$697$393$217$41
44 years$1,913$1,142$654$363$197$35
45 years$1,849$1,089$614$335$179$31
46 years$1,789$1,039$577$309$162$27
47 years$1,731$991$542$286$147$23
48 years$1,675$946$509$264$134$20
49 years$1,623$904$479$244$121$17
50 years$1,572$863$450$226$110$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,610,000, adding $4,818 every year, while hoping to spend $31,953 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: 66/21/13 Blend
34$1,610,000$1,610,000$1,610,000$1,610,000
35$1,779,190$1,693,860$1,668,905$1,890,999
36$1,926,669$1,742,861$1,690,815$2,015,196
37$2,088,121$1,793,193$1,712,389$2,146,697
38$2,264,936$1,844,886$1,733,581$2,289,623
39$2,458,647$1,897,972$1,754,343$2,445,090
40$2,670,940$1,952,485$1,774,625$2,614,326
41$2,903,676$2,008,456$1,794,375$2,798,682
42$3,158,900$2,065,919$1,813,535$2,999,646
43$3,438,866$2,124,908$1,832,047$3,218,859
44$3,746,059$2,185,457$1,849,849$3,458,126
45$4,083,213$2,247,600$1,866,875$3,719,434
46$4,453,341$2,311,373$1,883,056$4,004,974
47$4,859,761$2,376,810$1,898,318$4,317,157
48$5,306,131$2,443,947$1,912,585$4,658,640
49$5,796,475$2,512,820$1,925,776$5,032,350
50$6,335,233$2,583,465$1,937,806$5,441,509
51$6,927,290$2,655,919$1,948,587$5,889,669
52$7,578,032$2,730,217$1,958,023$6,380,741
53$8,293,391$2,806,397$1,966,016$6,919,036
54$9,079,902$2,884,496$1,972,462$7,509,300
55$9,944,765$2,964,549$1,977,253$8,156,765
56$10,895,914$3,046,595$1,980,274$8,867,192
57$11,942,089$3,130,670$1,981,405$9,646,932
58$13,092,920$3,216,810$1,980,519$10,502,979
59$14,359,016$3,305,053$1,977,485$11,443,042
60$15,752,069$3,395,433$1,972,164$12,475,611
61$17,284,959$3,487,988$1,964,411$13,610,044
62$18,971,878$3,582,753$1,954,072$14,856,652
63$20,828,464$3,679,763$1,940,988$16,226,793
64$22,871,949$3,779,052$1,924,992$17,732,986
65$25,121,316$3,880,654$1,905,908$19,389,023
66$27,597,486$3,984,602$1,883,552$21,210,102
67$30,323,510$4,090,929$1,857,731$23,212,970
68$33,324,788$4,199,664$1,828,245$25,416,081
69$36,629,307$4,310,838$1,794,882$27,839,768
70$40,267,907$4,424,479$1,757,421$30,506,440
71$44,274,569$4,540,615$1,715,630$33,440,786
72$48,686,741$4,659,270$1,669,269$36,670,016
73$53,545,683$4,780,469$1,618,084$40,224,112
74$58,896,863$4,904,233$1,561,811$44,136,112
75$64,790,384$5,030,581$1,500,172$48,442,425
76$71,281,454$5,159,530$1,432,879$53,183,169
77$78,430,910$5,291,095$1,359,628$58,402,556
78$86,305,792$5,425,288$1,280,105$64,149,305
79$94,979,971$5,562,116$1,193,977$70,477,102
80$104,534,853$5,701,584$1,100,900$77,445,110
81$115,060,141$5,843,695$1,000,514$85,118,525
82$126,654,685$5,988,445$892,440$93,569,190
83$139,427,412$6,135,828$776,286$102,876,276
84$153,498,357$6,285,833$651,640$113,127,030
85$168,999,792$6,438,441$518,073$124,417,596
86$186,077,479$6,593,633$375,137$136,853,923
87$204,892,041$6,751,380$222,363$150,552,768
88$225,620,480$6,911,648$59,262$165,642,796
89$248,457,847$7,074,397$0$182,265,793
90$273,619,084$7,239,579$0$200,593,932
91$301,341,051$7,407,139$0$220,793,286
92$331,884,763$7,577,014$0$243,045,451
93$365,537,852$7,749,130$0$267,559,612
94$402,617,282$7,923,407$0$294,566,286
95$443,472,343$8,099,752$0$324,319,497
96$488,487,945$8,278,063$0$357,099,175
97$538,088,253$8,458,226$0$393,213,799
98$592,740,691$8,640,115$0$433,003,306
99$652,960,352$8,823,591$0$476,842,304
100$719,314,861$9,008,501$0$525,143,604