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%18.1%
1 years$134,604$133,405$132,235$131,093$129,978$125,717
2 years$66,636$65,395$64,192$63,026$61,895$57,642
3 years$43,982$42,736$41,536$40,381$39,268$35,158
4 years$32,658$31,416$30,228$29,092$28,007$24,070
5 years$25,865$24,630$23,458$22,346$21,290$17,538
6 years$21,338$20,112$18,958$17,870$16,846$13,281
7 years$18,106$16,890$15,754$14,692$13,700$10,322
8 years$15,683$14,478$13,361$12,325$11,366$8,172
9 years$13,799$12,606$11,507$10,498$9,572$6,559
10 years$12,293$11,111$10,032$9,049$8,156$5,319
11 years$11,061$9,892$8,832$7,876$7,014$4,348
12 years$10,036$8,878$7,839$6,908$6,078$3,577
13 years$9,169$8,023$7,003$6,099$5,300$2,957
14 years$8,426$7,293$6,292$5,414$4,646$2,455
15 years$7,784$6,662$5,681$4,828$4,091$2,045
16 years$7,222$6,113$5,151$4,323$3,616$1,708
17 years$6,726$5,629$4,687$3,884$3,206$1,430
18 years$6,286$5,202$4,279$3,500$2,850$1,199
19 years$5,893$4,821$3,917$3,163$2,541$1,007
20 years$5,540$4,480$3,595$2,865$2,269$847
21 years$5,221$4,173$3,306$2,600$2,031$713
22 years$4,931$3,895$3,047$2,364$1,820$601
23 years$4,666$3,643$2,814$2,153$1,634$507
24 years$4,425$3,413$2,602$1,964$1,469$428
25 years$4,202$3,203$2,410$1,793$1,322$361
26 years$3,998$3,011$2,235$1,640$1,190$305
27 years$3,808$2,833$2,076$1,501$1,073$258
28 years$3,633$2,670$1,930$1,375$968$218
29 years$3,470$2,519$1,796$1,261$875$184
30 years$3,318$2,379$1,673$1,157$790$156
31 years$3,176$2,249$1,559$1,063$714$132
32 years$3,043$2,128$1,455$977$646$111
33 years$2,919$2,015$1,358$898$585$94
34 years$2,802$1,910$1,269$826$529$80
35 years$2,692$1,811$1,187$761$480$68
36 years$2,589$1,719$1,110$701$435$57
37 years$2,491$1,633$1,039$646$394$48
38 years$2,399$1,552$973$595$357$41
39 years$2,311$1,476$912$549$324$35
40 years$2,228$1,404$854$506$294$29
41 years$2,150$1,336$801$467$266$25
42 years$2,075$1,273$752$431$242$21
43 years$2,004$1,213$705$398$219$18
44 years$1,937$1,156$662$367$199$15
45 years$1,872$1,102$622$339$181$13
46 years$1,811$1,052$584$313$164$11
47 years$1,752$1,003$548$289$149$9
48 years$1,696$958$515$267$135$8
49 years$1,643$915$484$247$123$7
50 years$1,591$874$455$228$112$6

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 $3,415 every year, while hoping to spend $20,347 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: 32/45/23 Blend
34$1,630,000$1,630,000$1,630,000$1,630,000
35$1,799,783$1,713,393$1,688,128$1,844,539
36$1,961,711$1,775,700$1,723,031$1,940,921
37$2,139,475$1,840,378$1,758,421$2,042,594
38$2,334,667$1,907,522$1,794,294$2,151,693
39$2,549,043$1,977,231$1,830,643$2,268,882
40$2,784,537$2,049,607$1,867,461$2,394,890
41$3,043,279$2,124,757$1,904,740$2,530,517
42$3,327,617$2,202,793$1,942,472$2,676,642
43$3,640,136$2,283,832$1,980,647$2,834,228
44$3,983,684$2,367,994$2,019,253$3,004,336
45$4,361,400$2,455,406$2,058,279$3,188,128
46$4,776,742$2,546,200$2,097,710$3,386,882
47$5,233,519$2,640,513$2,137,532$3,602,004
48$5,735,927$2,738,488$2,177,730$3,835,038
49$6,288,593$2,840,274$2,218,284$4,087,680
50$6,896,609$2,946,028$2,259,176$4,361,795
51$7,565,590$3,055,910$2,300,386$4,659,436
52$8,301,722$3,170,091$2,341,890$4,982,858
53$9,111,818$3,288,747$2,383,665$5,334,542
54$10,003,390$3,412,061$2,425,683$5,717,216
55$10,984,709$3,540,226$2,467,917$6,133,883
56$12,064,894$3,673,442$2,510,337$6,587,844
57$13,253,990$3,811,917$2,552,910$7,082,733
58$14,563,066$3,955,870$2,595,601$7,622,548
59$16,004,318$4,105,527$2,638,374$8,211,688
60$17,591,186$4,261,125$2,681,187$8,854,995
61$19,338,479$4,422,913$2,723,999$9,557,798
62$21,262,516$4,591,147$2,766,764$10,325,963
63$23,381,276$4,766,097$2,809,435$11,165,947
64$25,714,575$4,948,044$2,851,960$12,084,856
65$28,284,245$5,137,282$2,894,284$13,090,516
66$31,114,345$5,334,116$2,936,349$14,191,542
67$34,231,386$5,538,866$2,978,095$15,397,419
68$37,664,582$5,751,865$3,019,456$16,718,590
69$41,446,124$5,973,461$3,060,362$18,166,556
70$45,611,486$6,204,017$3,100,741$19,753,980
71$50,199,757$6,443,913$3,140,515$21,494,807
72$55,254,012$6,693,545$3,179,603$23,404,396
73$60,821,719$6,953,327$3,217,917$25,499,659
74$66,955,184$7,223,689$3,255,366$27,799,225
75$73,712,045$7,505,082$3,291,854$30,323,608
76$81,155,821$7,797,979$3,327,279$33,095,406
77$89,356,504$8,102,869$3,361,532$36,139,507
78$98,391,225$8,420,267$3,394,500$39,483,327
79$108,344,978$8,750,708$3,426,064$43,157,063
80$119,311,427$9,094,753$3,456,098$47,193,979
81$131,393,784$9,452,988$3,484,469$51,630,716
82$144,705,788$9,826,022$3,511,037$56,507,639
83$159,372,776$10,214,495$3,535,654$61,869,214
84$175,532,867$10,619,074$3,558,167$67,764,424
85$193,338,266$11,040,455$3,578,412$74,247,234
86$212,956,699$11,479,367$3,596,218$81,377,093
87$234,572,996$11,936,570$3,611,406$89,219,498
88$258,390,840$12,412,859$3,623,786$97,846,604
89$284,634,682$12,909,066$3,633,159$107,337,909
90$313,551,868$13,426,059$3,639,318$117,780,996
91$345,414,966$13,964,744$3,642,043$129,272,360
92$380,524,347$14,526,070$3,641,105$141,918,317
93$419,211,011$15,111,028$3,636,263$155,836,002
94$461,839,720$15,720,654$3,627,264$171,154,474
95$508,812,436$16,356,031$3,613,843$188,015,930
96$560,572,120$17,018,292$3,595,721$206,577,042
97$617,606,907$17,708,619$3,572,608$227,010,438
98$680,454,719$18,428,249$3,544,199$249,506,321
99$749,708,344$19,178,477$3,510,173$274,274,267
100$826,021,026$19,960,653$3,470,195$301,545,195