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

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 $1,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$132,952$131,768$130,613$129,485$128,384$127,628
2 years$65,818$64,592$63,404$62,252$61,135$60,373
3 years$43,443$42,212$41,027$39,886$38,787$38,041
4 years$32,257$31,030$29,857$28,735$27,663$26,940
5 years$25,548$24,328$23,170$22,072$21,029$20,331
6 years$21,076$19,866$18,725$17,651$16,639$15,967
7 years$17,884$16,683$15,561$14,512$13,532$12,886
8 years$15,490$14,300$13,197$12,173$11,226$10,606
9 years$13,630$12,451$11,366$10,369$9,454$8,860
10 years$12,142$10,975$9,909$8,938$8,055$7,487
11 years$10,926$9,770$8,724$7,779$6,928$6,384
12 years$9,913$8,769$7,742$6,823$6,004$5,485
13 years$9,056$7,925$6,917$6,024$5,235$4,741
14 years$8,323$7,204$6,215$5,347$4,589$4,118
15 years$7,688$6,581$5,611$4,769$4,041$3,593
16 years$7,133$6,038$5,088$4,270$3,571$3,146
17 years$6,644$5,560$4,630$3,837$3,166$2,762
18 years$6,209$5,138$4,226$3,458$2,815$2,433
19 years$5,821$4,762$3,869$3,124$2,509$2,147
20 years$5,472$4,425$3,551$2,830$2,242$1,899
21 years$5,157$4,122$3,266$2,568$2,006$1,682
22 years$4,870$3,847$3,010$2,335$1,798$1,492
23 years$4,609$3,598$2,779$2,126$1,614$1,325
24 years$4,370$3,372$2,570$1,939$1,451$1,179
25 years$4,151$3,164$2,381$1,771$1,305$1,049
26 years$3,949$2,974$2,208$1,619$1,176$935
27 years$3,762$2,799$2,050$1,482$1,060$834
28 years$3,588$2,637$1,906$1,358$957$744
29 years$3,427$2,488$1,774$1,245$864$665
30 years$3,277$2,349$1,652$1,143$780$594
31 years$3,137$2,221$1,540$1,050$706$531
32 years$3,006$2,102$1,437$965$638$475
33 years$2,883$1,990$1,342$887$578$425
34 years$2,768$1,886$1,254$816$523$380
35 years$2,659$1,789$1,172$751$474$340
36 years$2,557$1,698$1,096$692$429$305
37 years$2,461$1,613$1,026$638$389$273
38 years$2,369$1,533$961$588$353$245
39 years$2,283$1,457$900$542$320$219
40 years$2,201$1,387$844$500$290$196
41 years$2,123$1,320$791$461$263$176
42 years$2,050$1,257$742$426$239$158
43 years$1,980$1,198$697$393$217$142
44 years$1,913$1,142$654$363$197$127
45 years$1,849$1,089$614$335$179$114
46 years$1,789$1,039$577$309$162$102
47 years$1,731$991$542$286$147$92
48 years$1,675$946$509$264$134$82
49 years$1,623$904$479$244$121$74
50 years$1,572$863$450$226$110$66

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 $4,495 every year, while hoping to spend $41,702 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: 51/33/16 Blend
34$1,610,000$1,610,000$1,610,000$1,610,000
35$1,778,857$1,693,527$1,668,572$1,861,575
36$1,915,929$1,732,139$1,680,098$1,957,490
37$2,065,586$1,771,245$1,690,613$2,056,979
38$2,229,066$1,810,826$1,700,039$2,164,224
39$2,407,733$1,850,860$1,708,293$2,279,971
40$2,603,091$1,891,321$1,715,290$2,405,043
41$2,816,793$1,932,182$1,720,939$2,540,343
42$3,050,660$1,973,414$1,725,145$2,686,870
43$3,306,699$2,014,982$1,727,808$2,845,722
44$3,587,116$2,056,851$1,728,824$3,018,112
45$3,894,346$2,098,979$1,728,083$3,205,374
46$4,231,064$2,141,325$1,725,469$3,408,979
47$4,600,222$2,183,839$1,720,862$3,630,549
48$5,005,069$2,226,471$1,714,134$3,871,870
49$5,449,182$2,269,164$1,705,154$4,134,914
50$5,936,502$2,311,857$1,693,780$4,421,850
51$6,471,372$2,354,485$1,679,869$4,735,072
52$7,058,573$2,396,975$1,663,265$5,077,218
53$7,703,373$2,439,252$1,643,810$5,451,195
54$8,411,574$2,481,233$1,621,334$5,860,208
55$9,189,569$2,522,828$1,595,664$6,307,791
56$10,044,400$2,563,942$1,566,613$6,797,837
57$10,983,825$2,604,471$1,533,991$7,334,639
58$12,016,390$2,644,305$1,497,595$7,922,930
59$13,151,512$2,683,326$1,457,215$8,567,925
60$14,399,564$2,721,407$1,412,629$9,275,375
61$15,771,976$2,758,412$1,363,608$10,051,618
62$17,281,338$2,794,195$1,309,910$10,903,640
63$18,941,525$2,828,601$1,251,282$11,839,144
64$20,767,822$2,861,464$1,187,462$12,866,620
65$22,777,070$2,892,606$1,118,172$13,995,425
66$24,987,826$2,921,839$1,043,126$15,235,877
67$27,420,535$2,948,960$962,021$16,599,346
68$30,097,725$2,973,754$874,544$18,098,367
69$33,044,218$2,995,993$780,366$19,746,757
70$36,287,363$3,015,432$679,144$21,559,747
71$39,857,298$3,031,811$570,519$23,554,124
72$43,787,227$3,044,855$454,116$25,748,394
73$48,113,740$3,054,269$329,545$28,162,955
74$52,877,155$3,059,741$196,398$30,820,290
75$58,121,896$3,060,939$54,248$33,745,183
76$63,896,915$3,057,511$0$36,964,949
77$70,256,154$3,049,083$0$40,526,336
78$77,259,051$3,035,257$0$44,456,860
79$84,971,101$3,015,611$0$48,783,914
80$93,464,476$2,989,700$0$53,547,904
81$102,818,706$2,957,047$0$58,793,363
82$113,121,423$2,917,152$0$64,569,367
83$124,469,196$2,869,481$0$70,930,006
84$136,968,439$2,813,470$0$77,934,889
85$150,736,410$2,748,521$0$85,649,713
86$165,902,326$2,674,000$0$94,146,878
87$182,608,576$2,589,239$0$103,506,177
88$201,012,066$2,493,527$0$113,815,550
89$221,285,701$2,386,113$0$125,171,911
90$243,620,014$2,266,205$0$137,682,069
91$268,224,966$2,132,960$0$151,463,734
92$295,331,929$1,985,491$0$166,646,634
93$325,195,865$1,822,859$0$183,373,736
94$358,097,735$1,644,071$0$201,802,602
95$394,347,149$1,448,076$0$222,106,875
96$434,285,293$1,233,766$0$244,477,923
97$478,288,142$999,970$0$269,126,646
98$526,770,012$745,448$0$296,285,468
99$580,187,472$468,894$0$326,210,536
100$639,043,651$168,926$0$359,184,140