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%19.1%
1 years$132,952$131,768$130,613$129,485$128,384$123,681
2 years$65,818$64,592$63,404$62,252$61,135$56,450
3 years$43,443$42,212$41,027$39,886$38,787$34,266
4 years$32,257$31,030$29,857$28,735$27,663$23,341
5 years$25,548$24,328$23,170$22,072$21,029$16,917
6 years$21,076$19,866$18,725$17,651$16,639$12,741
7 years$17,884$16,683$15,561$14,512$13,532$9,846
8 years$15,490$14,300$13,197$12,173$11,226$7,749
9 years$13,630$12,451$11,366$10,369$9,454$6,181
10 years$12,142$10,975$9,909$8,938$8,055$4,981
11 years$10,926$9,770$8,724$7,779$6,928$4,045
12 years$9,913$8,769$7,742$6,823$6,004$3,306
13 years$9,056$7,925$6,917$6,024$5,235$2,715
14 years$8,323$7,204$6,215$5,347$4,589$2,238
15 years$7,688$6,581$5,611$4,769$4,041$1,851
16 years$7,133$6,038$5,088$4,270$3,571$1,535
17 years$6,644$5,560$4,630$3,837$3,166$1,275
18 years$6,209$5,138$4,226$3,458$2,815$1,062
19 years$5,821$4,762$3,869$3,124$2,509$885
20 years$5,472$4,425$3,551$2,830$2,242$739
21 years$5,157$4,122$3,266$2,568$2,006$617
22 years$4,870$3,847$3,010$2,335$1,798$516
23 years$4,609$3,598$2,779$2,126$1,614$432
24 years$4,370$3,372$2,570$1,939$1,451$361
25 years$4,151$3,164$2,381$1,771$1,305$303
26 years$3,949$2,974$2,208$1,619$1,176$254
27 years$3,762$2,799$2,050$1,482$1,060$213
28 years$3,588$2,637$1,906$1,358$957$178
29 years$3,427$2,488$1,774$1,245$864$149
30 years$3,277$2,349$1,652$1,143$780$125
31 years$3,137$2,221$1,540$1,050$706$105
32 years$3,006$2,102$1,437$965$638$88
33 years$2,883$1,990$1,342$887$578$74
34 years$2,768$1,886$1,254$816$523$62
35 years$2,659$1,789$1,172$751$474$52
36 years$2,557$1,698$1,096$692$429$44
37 years$2,461$1,613$1,026$638$389$37
38 years$2,369$1,533$961$588$353$31
39 years$2,283$1,457$900$542$320$26
40 years$2,201$1,387$844$500$290$22
41 years$2,123$1,320$791$461$263$18
42 years$2,050$1,257$742$426$239$15
43 years$1,980$1,198$697$393$217$13
44 years$1,913$1,142$654$363$197$11
45 years$1,849$1,089$614$335$179$9
46 years$1,789$1,039$577$309$162$8
47 years$1,731$991$542$286$147$6
48 years$1,675$946$509$264$134$5
49 years$1,623$904$479$244$121$5
50 years$1,572$863$450$226$110$4

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 $3,617 every year, while hoping to spend $23,977 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: 81/8/11 Blend
34$1,610,000$1,610,000$1,610,000$1,610,000
35$1,777,951$1,692,621$1,667,666$1,918,331
36$1,933,791$1,750,048$1,698,021$2,068,346
37$2,104,722$1,809,485$1,728,590$2,229,458
38$2,292,260$1,871,006$1,759,354$2,405,593
39$2,498,072$1,934,687$1,790,294$2,598,243
40$2,723,994$2,000,606$1,821,387$2,809,053
41$2,972,051$2,068,845$1,852,613$3,039,832
42$3,244,471$2,139,489$1,883,947$3,292,575
43$3,543,710$2,212,627$1,915,362$3,569,478
44$3,872,473$2,288,350$1,946,831$3,872,961
45$4,233,740$2,366,754$1,978,325$4,205,688
46$4,630,794$2,447,937$2,009,811$4,570,594
47$5,067,251$2,532,003$2,041,256$4,970,913
48$5,547,097$2,619,057$2,072,624$5,410,207
49$6,074,721$2,709,211$2,103,878$5,892,399
50$6,654,960$2,802,580$2,134,975$6,421,811
51$7,293,143$2,899,283$2,165,874$7,003,206
52$7,995,141$2,999,446$2,196,528$7,641,830
53$8,767,423$3,103,196$2,226,889$8,343,461
54$9,617,117$3,210,668$2,256,906$9,114,469
55$10,552,074$3,322,003$2,286,524$9,961,867
56$11,580,948$3,437,344$2,315,685$10,893,387
57$12,713,274$3,556,842$2,344,329$11,917,543
58$13,959,555$3,680,655$2,372,392$13,043,718
59$15,331,367$3,808,944$2,399,804$14,282,251
60$16,841,464$3,941,880$2,426,495$15,644,532
61$18,503,899$4,079,638$2,452,388$17,143,111
62$20,334,158$4,222,401$2,477,404$18,791,819
63$22,349,303$4,370,360$2,501,458$20,605,891
64$24,568,136$4,523,712$2,524,462$22,602,118
65$27,011,375$4,682,663$2,546,321$24,799,000
66$29,701,850$4,847,428$2,566,936$27,216,920
67$32,664,715$5,018,228$2,586,205$29,878,340
68$35,927,690$5,195,296$2,604,018$32,808,012
69$39,521,321$5,378,872$2,620,259$36,033,206
70$43,479,266$5,569,207$2,634,808$39,583,976
71$47,838,615$5,766,562$2,647,537$43,493,435
72$52,640,238$5,971,208$2,658,314$47,798,074
73$57,929,172$6,183,427$2,666,997$52,538,100
74$63,755,046$6,403,513$2,673,440$57,757,822
75$70,172,548$6,631,772$2,677,487$63,506,063
76$77,241,940$6,868,521$2,678,976$69,836,625
77$85,029,633$7,114,094$2,677,736$76,808,793
78$93,608,804$7,368,833$2,673,589$84,487,898
79$103,060,094$7,633,098$2,666,346$92,945,929
80$113,472,367$7,907,262$2,655,812$102,262,217
81$124,943,545$8,191,715$2,641,779$112,524,180
82$137,581,540$8,486,862$2,624,031$123,828,150
83$151,505,263$8,793,124$2,602,342$136,280,282
84$166,845,753$9,110,941$2,576,474$149,997,552
85$183,747,412$9,440,770$2,546,178$165,108,868
86$202,369,368$9,783,087$2,511,195$181,756,280
87$222,886,974$10,138,389$2,471,251$200,096,323
88$245,493,468$10,507,193$2,426,060$220,301,497
89$270,401,793$10,890,037$2,375,324$242,561,890
90$297,846,609$11,287,481$2,318,731$267,086,976
91$328,086,507$11,700,112$2,255,952$294,107,592
92$361,406,450$12,128,536$2,186,646$323,878,113
93$398,120,464$12,573,390$2,110,454$356,678,858
94$438,574,599$13,035,335$2,027,002$392,818,732
95$483,150,201$13,515,058$1,935,899$432,638,145
96$532,267,505$14,013,280$1,836,736$476,512,222
97$586,389,608$14,530,748$1,729,083$524,854,347
98$646,026,835$15,068,242$1,612,496$578,120,063
99$711,741,563$15,626,577$1,486,505$636,811,371
100$784,153,523$16,206,599$1,350,623$701,481,474