Can I retire at age 35 with 1,630,000?

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 $1,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$134,604$133,405$132,235$131,093$129,978$124,821
2 years$66,636$65,395$64,192$63,026$61,895$56,763
3 years$43,982$42,736$41,536$40,381$39,268$34,324
4 years$32,658$31,416$30,228$29,092$28,007$23,286
5 years$25,865$24,630$23,458$22,346$21,290$16,806
6 years$21,338$20,112$18,958$17,870$16,846$12,602
7 years$18,106$16,890$15,754$14,692$13,700$9,694
8 years$15,683$14,478$13,361$12,325$11,366$7,593
9 years$13,799$12,606$11,507$10,498$9,572$6,027
10 years$12,293$11,111$10,032$9,049$8,156$4,832
11 years$11,061$9,892$8,832$7,876$7,014$3,904
12 years$10,036$8,878$7,839$6,908$6,078$3,173
13 years$9,169$8,023$7,003$6,099$5,300$2,592
14 years$8,426$7,293$6,292$5,414$4,646$2,125
15 years$7,784$6,662$5,681$4,828$4,091$1,747
16 years$7,222$6,113$5,151$4,323$3,616$1,441
17 years$6,726$5,629$4,687$3,884$3,206$1,190
18 years$6,286$5,202$4,279$3,500$2,850$985
19 years$5,893$4,821$3,917$3,163$2,541$816
20 years$5,540$4,480$3,595$2,865$2,269$677
21 years$5,221$4,173$3,306$2,600$2,031$562
22 years$4,931$3,895$3,047$2,364$1,820$467
23 years$4,666$3,643$2,814$2,153$1,634$388
24 years$4,425$3,413$2,602$1,964$1,469$323
25 years$4,202$3,203$2,410$1,793$1,322$269
26 years$3,998$3,011$2,235$1,640$1,190$224
27 years$3,808$2,833$2,076$1,501$1,073$186
28 years$3,633$2,670$1,930$1,375$968$155
29 years$3,470$2,519$1,796$1,261$875$129
30 years$3,318$2,379$1,673$1,157$790$108
31 years$3,176$2,249$1,559$1,063$714$90
32 years$3,043$2,128$1,455$977$646$75
33 years$2,919$2,015$1,358$898$585$62
34 years$2,802$1,910$1,269$826$529$52
35 years$2,692$1,811$1,187$761$480$43
36 years$2,589$1,719$1,110$701$435$36
37 years$2,491$1,633$1,039$646$394$30
38 years$2,399$1,552$973$595$357$25
39 years$2,311$1,476$912$549$324$21
40 years$2,228$1,404$854$506$294$17
41 years$2,150$1,336$801$467$266$15
42 years$2,075$1,273$752$431$242$12
43 years$2,004$1,213$705$398$219$10
44 years$1,937$1,156$662$367$199$8
45 years$1,872$1,102$622$339$181$7
46 years$1,811$1,052$584$313$164$6
47 years$1,752$1,003$548$289$149$5
48 years$1,696$958$515$267$135$4
49 years$1,643$915$484$247$123$3
50 years$1,591$874$455$228$112$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,630,000, adding $4,915 every year, while hoping to spend $48,028 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: 52/35/13 Blend
34$1,630,000$1,630,000$1,630,000$1,630,000
35$1,801,330$1,714,940$1,689,675$1,888,513
36$1,933,964$1,747,870$1,695,178$1,981,534
37$2,078,517$1,780,805$1,699,255$2,077,129
38$2,236,155$1,813,693$1,701,808$2,180,003
39$2,408,158$1,846,480$1,702,735$2,290,858
40$2,595,939$1,879,106$1,701,925$2,410,466
41$2,801,052$1,911,509$1,699,267$2,539,679
42$3,025,206$1,943,620$1,694,639$2,679,436
43$3,270,286$1,975,366$1,687,918$2,830,773
44$3,538,363$2,006,667$1,678,971$2,994,832
45$3,831,721$2,037,439$1,667,662$3,172,870
46$4,152,874$2,067,591$1,653,846$3,366,276
47$4,504,589$2,097,025$1,637,372$3,576,580
48$4,889,916$2,125,637$1,618,082$3,805,469
49$5,312,210$2,153,316$1,595,811$4,054,805
50$5,775,169$2,179,942$1,570,384$4,326,638
51$6,282,864$2,205,388$1,541,620$4,623,231
52$6,839,782$2,229,518$1,509,330$4,947,079
53$7,450,861$2,252,185$1,473,314$5,300,933
54$8,121,544$2,273,237$1,433,365$5,687,825
55$8,857,822$2,292,507$1,389,264$6,111,102
56$9,666,300$2,309,819$1,340,783$6,574,451
57$10,554,248$2,324,986$1,287,686$7,081,939
58$11,529,681$2,337,810$1,229,722$7,638,051
59$12,601,422$2,348,076$1,166,632$8,247,732
60$13,779,196$2,355,561$1,098,143$8,916,435
61$15,073,715$2,360,024$1,023,972$9,650,172
62$16,496,779$2,361,211$943,820$10,455,572
63$18,061,391$2,358,851$857,378$11,339,945
64$19,781,874$2,352,656$764,322$12,311,351
65$21,674,011$2,342,321$664,312$13,378,676
66$23,755,188$2,327,523$556,995$14,551,717
67$26,044,564$2,307,918$442,001$15,841,278
68$28,563,246$2,283,143$318,945$17,259,268
69$31,334,492$2,252,811$187,423$18,818,819
70$34,383,924$2,216,514$47,017$20,534,409
71$37,739,779$2,173,817$0$22,421,999
72$41,433,164$2,124,262$0$24,513,448
73$45,498,358$2,067,362$0$26,821,783
74$49,973,131$2,002,604$0$29,361,927
75$54,899,101$1,929,441$0$32,157,530
76$60,322,123$1,847,297$0$35,234,657
77$66,292,728$1,755,563$0$38,622,039
78$72,866,593$1,653,593$0$42,351,345
79$80,105,071$1,540,705$0$46,457,482
80$88,075,766$1,416,177$0$50,978,923
81$96,853,171$1,279,246$0$55,958,076
82$106,519,372$1,129,107$0$61,441,683
83$117,164,821$964,906$0$67,481,265
84$128,889,191$785,745$0$74,133,605
85$141,802,314$590,672$0$81,461,293
86$156,025,218$378,683$0$89,533,314
87$171,691,269$148,717$0$98,425,702
88$188,947,429$0$0$108,222,260
89$207,955,642$0$0$119,054,002
90$228,894,363$0$0$131,049,171
91$251,960,242$0$0$144,263,173
92$277,369,978$0$0$158,820,185
93$305,362,366$0$0$174,857,040
94$336,200,548$0$0$192,524,525
95$370,174,498$0$0$211,988,805
96$407,603,757$0$0$233,432,984
97$448,840,453$0$0$257,058,841
98$494,272,616$0$0$283,088,730
99$544,327,849$0$0$311,767,680
100$599,477,357$0$0$343,365,704