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%15.5%
1 years$132,952$131,768$130,613$129,485$128,384$125,484
2 years$65,818$64,592$63,404$62,252$61,135$58,229
3 years$43,443$42,212$41,027$39,886$38,787$35,965
4 years$32,257$31,030$29,857$28,735$27,663$24,948
5 years$25,548$24,328$23,170$22,072$21,029$18,428
6 years$21,076$19,866$18,725$17,651$16,639$14,155
7 years$17,884$16,683$15,561$14,512$13,532$11,165
8 years$15,490$14,300$13,197$12,173$11,226$8,975
9 years$13,630$12,451$11,366$10,369$9,454$7,318
10 years$12,142$10,975$9,909$8,938$8,055$6,031
11 years$10,926$9,770$8,724$7,779$6,928$5,013
12 years$9,913$8,769$7,742$6,823$6,004$4,195
13 years$9,056$7,925$6,917$6,024$5,235$3,530
14 years$8,323$7,204$6,215$5,347$4,589$2,984
15 years$7,688$6,581$5,611$4,769$4,041$2,531
16 years$7,133$6,038$5,088$4,270$3,571$2,154
17 years$6,644$5,560$4,630$3,837$3,166$1,838
18 years$6,209$5,138$4,226$3,458$2,815$1,571
19 years$5,821$4,762$3,869$3,124$2,509$1,346
20 years$5,472$4,425$3,551$2,830$2,242$1,154
21 years$5,157$4,122$3,266$2,568$2,006$991
22 years$4,870$3,847$3,010$2,335$1,798$853
23 years$4,609$3,598$2,779$2,126$1,614$734
24 years$4,370$3,372$2,570$1,939$1,451$632
25 years$4,151$3,164$2,381$1,771$1,305$545
26 years$3,949$2,974$2,208$1,619$1,176$470
27 years$3,762$2,799$2,050$1,482$1,060$406
28 years$3,588$2,637$1,906$1,358$957$350
29 years$3,427$2,488$1,774$1,245$864$303
30 years$3,277$2,349$1,652$1,143$780$261
31 years$3,137$2,221$1,540$1,050$706$226
32 years$3,006$2,102$1,437$965$638$195
33 years$2,883$1,990$1,342$887$578$169
34 years$2,768$1,886$1,254$816$523$146
35 years$2,659$1,789$1,172$751$474$126
36 years$2,557$1,698$1,096$692$429$109
37 years$2,461$1,613$1,026$638$389$95
38 years$2,369$1,533$961$588$353$82
39 years$2,283$1,457$900$542$320$71
40 years$2,201$1,387$844$500$290$61
41 years$2,123$1,320$791$461$263$53
42 years$2,050$1,257$742$426$239$46
43 years$1,980$1,198$697$393$217$40
44 years$1,913$1,142$654$363$197$34
45 years$1,849$1,089$614$335$179$30
46 years$1,789$1,039$577$309$162$26
47 years$1,731$991$542$286$147$22
48 years$1,675$946$509$264$134$19
49 years$1,623$904$479$244$121$17
50 years$1,572$863$450$226$110$14

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 $4,227 every year, while hoping to spend $59,463 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: 20/50/30 Blend
34$1,610,000$1,610,000$1,610,000$1,610,000
35$1,778,580$1,693,250$1,668,295$1,797,124
36$1,896,727$1,712,951$1,660,915$1,834,925
37$2,024,932$1,731,625$1,651,294$1,870,102
38$2,164,158$1,749,157$1,639,296$1,906,376
39$2,315,465$1,765,429$1,624,775$1,943,873
40$2,480,018$1,780,310$1,607,580$1,982,735
41$2,659,099$1,793,665$1,587,554$2,023,123
42$2,854,119$1,805,346$1,564,529$2,065,222
43$3,066,631$1,815,200$1,538,332$2,109,237
44$3,298,343$1,823,060$1,508,781$2,155,403
45$3,551,135$1,828,751$1,475,686$2,203,982
46$3,827,077$1,832,086$1,438,848$2,255,272
47$4,128,447$1,832,867$1,398,059$2,309,607
48$4,457,755$1,830,883$1,353,099$2,367,360
49$4,817,760$1,825,911$1,303,742$2,428,953
50$5,211,503$1,817,712$1,249,749$2,494,856
51$5,642,331$1,806,034$1,190,870$2,565,600
52$6,113,930$1,790,612$1,126,846$2,641,775
53$6,630,359$1,771,160$1,057,403$2,724,043
54$7,196,087$1,747,378$982,258$2,813,142
55$7,816,037$1,718,948$901,112$2,909,900
56$8,495,628$1,685,532$813,655$3,015,237
57$9,240,833$1,646,774$719,563$3,130,181
58$10,058,225$1,602,293$618,496$3,255,879
59$10,955,049$1,551,690$510,100$3,393,606
60$11,939,282$1,494,541$394,006$3,544,784
61$13,019,711$1,430,396$269,828$3,710,996
62$14,206,016$1,358,780$137,162$3,894,000
63$15,508,861$1,279,191$0$4,095,753
64$16,939,992$1,191,099$0$4,319,843
65$18,512,348$1,093,940$0$4,614,219
66$20,240,187$987,122$0$4,937,759
67$22,139,211$870,016$0$5,293,593
68$24,226,723$741,960$0$5,685,185
69$26,521,785$602,252$0$6,116,369
70$29,045,398$450,153$0$6,591,382
71$31,820,698$284,880$0$7,114,913
72$34,873,178$105,607$0$7,692,146
73$38,230,924$0$0$8,328,812
74$41,924,881$0$0$9,079,961
75$45,989,146$0$0$9,970,676
76$50,461,286$0$0$10,951,127
77$55,382,693$0$0$12,030,433
78$60,798,976$0$0$13,218,641
79$66,760,388$0$0$14,526,820
80$73,322,301$0$0$15,967,170
81$80,545,729$0$0$17,553,132
82$88,497,900$0$0$19,299,518
83$97,252,892$0$0$21,222,647
84$106,892,332$0$0$23,340,505
85$117,506,164$0$0$25,672,909
86$129,193,497$0$0$28,241,695
87$142,063,541$0$0$31,070,928
88$156,236,638$0$0$34,187,122
89$171,845,393$0$0$37,619,498
90$189,035,929$0$0$41,400,252
91$207,969,262$0$0$45,564,866
92$228,822,823$0$0$50,152,437
93$251,792,128$0$0$55,206,048
94$277,092,629$0$0$60,773,177
95$304,961,738$0$0$66,906,140
96$335,661,074$0$0$73,662,590
97$369,478,930$0$0$81,106,056
98$406,732,990$0$0$89,306,548
99$447,773,332$0$0$98,341,211
100$492,985,726$0$0$108,295,059