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%14.8%
1 years$134,604$133,405$132,235$131,093$129,978$127,406
2 years$66,636$65,395$64,192$63,026$61,895$59,314
3 years$43,982$42,736$41,536$40,381$39,268$36,760
4 years$32,658$31,416$30,228$29,092$28,007$25,589
5 years$25,865$24,630$23,458$22,346$21,290$18,971
6 years$21,338$20,112$18,958$17,870$16,846$14,628
7 years$18,106$16,890$15,754$14,692$13,700$11,584
8 years$15,683$14,478$13,361$12,325$11,366$9,350
9 years$13,799$12,606$11,507$10,498$9,572$7,655
10 years$12,293$11,111$10,032$9,049$8,156$6,337
11 years$11,061$9,892$8,832$7,876$7,014$5,290
12 years$10,036$8,878$7,839$6,908$6,078$4,448
13 years$9,169$8,023$7,003$6,099$5,300$3,760
14 years$8,426$7,293$6,292$5,414$4,646$3,193
15 years$7,784$6,662$5,681$4,828$4,091$2,722
16 years$7,222$6,113$5,151$4,323$3,616$2,328
17 years$6,726$5,629$4,687$3,884$3,206$1,996
18 years$6,286$5,202$4,279$3,500$2,850$1,715
19 years$5,893$4,821$3,917$3,163$2,541$1,477
20 years$5,540$4,480$3,595$2,865$2,269$1,273
21 years$5,221$4,173$3,306$2,600$2,031$1,100
22 years$4,931$3,895$3,047$2,364$1,820$951
23 years$4,666$3,643$2,814$2,153$1,634$823
24 years$4,425$3,413$2,602$1,964$1,469$713
25 years$4,202$3,203$2,410$1,793$1,322$618
26 years$3,998$3,011$2,235$1,640$1,190$536
27 years$3,808$2,833$2,076$1,501$1,073$465
28 years$3,633$2,670$1,930$1,375$968$404
29 years$3,470$2,519$1,796$1,261$875$351
30 years$3,318$2,379$1,673$1,157$790$305
31 years$3,176$2,249$1,559$1,063$714$265
32 years$3,043$2,128$1,455$977$646$230
33 years$2,919$2,015$1,358$898$585$200
34 years$2,802$1,910$1,269$826$529$174
35 years$2,692$1,811$1,187$761$480$152
36 years$2,589$1,719$1,110$701$435$132
37 years$2,491$1,633$1,039$646$394$115
38 years$2,399$1,552$973$595$357$100
39 years$2,311$1,476$912$549$324$87
40 years$2,228$1,404$854$506$294$76
41 years$2,150$1,336$801$467$266$66
42 years$2,075$1,273$752$431$242$57
43 years$2,004$1,213$705$398$219$50
44 years$1,937$1,156$662$367$199$44
45 years$1,872$1,102$622$339$181$38
46 years$1,811$1,052$584$313$164$33
47 years$1,752$1,003$548$289$149$29
48 years$1,696$958$515$267$135$25
49 years$1,643$915$484$247$123$22
50 years$1,591$874$455$228$112$19

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 $3,546 every year, while hoping to spend $44,481 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: 24/48/28 Blend
34$1,630,000$1,630,000$1,630,000$1,630,000
35$1,799,918$1,713,528$1,688,263$1,827,177
36$1,936,182$1,750,163$1,697,492$1,887,259
37$2,084,854$1,787,103$1,705,540$1,947,595
38$2,247,153$1,824,315$1,712,319$2,011,307
39$2,424,421$1,861,764$1,717,740$2,078,706
40$2,618,133$1,899,412$1,721,706$2,150,137
41$2,829,917$1,937,217$1,724,117$2,225,980
42$3,061,561$1,975,134$1,724,868$2,306,654
43$3,315,037$2,013,113$1,723,848$2,392,625
44$3,592,516$2,051,100$1,720,942$2,484,405
45$3,896,387$2,089,038$1,716,028$2,582,563
46$4,229,282$2,126,865$1,708,978$2,687,727
47$4,594,100$2,164,512$1,699,659$2,800,590
48$4,994,032$2,201,906$1,687,932$2,921,919
49$5,432,593$2,238,970$1,673,648$3,052,563
50$5,913,658$2,275,620$1,656,655$3,193,459
51$6,441,489$2,311,763$1,636,791$3,345,643
52$7,020,785$2,347,304$1,613,888$3,510,259
53$7,656,721$2,382,137$1,587,769$3,688,573
54$8,354,996$2,416,152$1,558,249$3,881,982
55$9,121,890$2,449,228$1,525,134$4,092,031
56$9,964,320$2,481,237$1,488,223$4,320,427
57$10,889,905$2,512,042$1,447,304$4,569,055
58$11,907,041$2,541,498$1,402,154$4,839,997
59$13,024,975$2,569,447$1,352,542$5,135,554
60$14,253,896$2,595,723$1,298,226$5,458,266
61$15,605,029$2,620,149$1,238,951$5,810,940
62$17,090,740$2,642,535$1,174,455$6,196,674
63$18,724,654$2,662,678$1,104,458$6,618,890
64$20,521,784$2,680,364$1,028,672$7,081,367
65$22,498,668$2,695,364$946,795$7,588,277
66$24,673,530$2,707,435$858,510$8,144,224
67$27,066,448$2,716,317$763,488$8,754,295
68$29,699,544$2,721,735$661,383$9,424,101
69$32,597,193$2,723,396$551,836$10,159,837
70$35,786,255$2,720,990$434,470$10,968,344
71$39,296,321$2,714,187$308,893$11,857,167
72$43,160,000$2,702,636$174,695$12,834,636
73$47,413,221$2,685,967$31,449$13,909,943
74$52,095,574$2,663,783$0$15,093,231
75$57,250,683$2,635,669$0$16,431,968
76$62,926,615$2,601,179$0$17,914,613
77$69,176,338$2,559,845$0$19,545,531
78$76,058,216$2,511,169$0$21,339,907
79$83,636,561$2,454,623$0$23,314,484
80$91,982,239$2,389,649$0$25,487,720
81$101,173,342$2,315,656$0$27,879,973
82$111,295,918$2,232,018$0$30,513,682
83$122,444,787$2,138,073$0$33,413,591
84$134,724,438$2,033,120$0$36,606,981
85$148,250,006$1,916,419$0$40,123,929
86$163,148,368$1,787,185$0$43,997,595
87$179,559,334$1,644,589$0$48,264,537
88$197,636,968$1,487,757$0$52,965,060
89$217,551,043$1,315,760$0$58,143,595
90$239,488,639$1,127,622$0$63,849,130
91$263,655,912$922,308$0$70,135,664
92$290,280,039$698,725$0$77,062,731
93$319,611,361$455,720$0$84,695,957
94$351,925,745$192,075$0$93,107,688
95$387,527,187$0$0$102,377,677
96$426,750,685$0$0$112,643,220
97$469,965,394$0$0$124,065,597
98$517,578,118$0$0$136,650,938
99$570,037,141$0$0$150,517,800
100$627,836,465$0$0$165,796,828