Can I retire at age 35 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$136,255$135,042$133,858$132,702$131,573$127,926
2 years$67,453$66,197$64,979$63,799$62,654$59,006
3 years$44,522$43,260$42,046$40,877$39,750$36,217
4 years$33,059$31,801$30,599$29,449$28,350$24,958
5 years$26,183$24,932$23,746$22,620$21,551$18,310
6 years$21,600$20,359$19,190$18,089$17,053$13,965
7 years$18,328$17,098$15,947$14,872$13,869$10,934
8 years$15,875$14,656$13,524$12,476$11,505$8,723
9 years$13,968$12,761$11,649$10,627$9,689$7,057
10 years$12,444$11,248$10,156$9,160$8,256$5,769
11 years$11,197$10,013$8,941$7,972$7,100$4,756
12 years$10,159$8,987$7,935$6,993$6,153$3,946
13 years$9,281$8,122$7,089$6,174$5,365$3,292
14 years$8,530$7,383$6,370$5,480$4,703$2,757
15 years$7,879$6,744$5,751$4,887$4,141$2,318
16 years$7,310$6,188$5,214$4,376$3,660$1,954
17 years$6,809$5,699$4,745$3,932$3,245$1,652
18 years$6,363$5,266$4,331$3,543$2,885$1,399
19 years$5,966$4,880$3,965$3,202$2,572$1,186
20 years$5,608$4,535$3,639$2,900$2,297$1,008
21 years$5,285$4,224$3,347$2,632$2,056$857
22 years$4,991$3,943$3,085$2,393$1,843$729
23 years$4,724$3,688$2,848$2,179$1,654$622
24 years$4,479$3,455$2,634$1,988$1,487$530
25 years$4,254$3,243$2,440$1,815$1,338$452
26 years$4,047$3,048$2,263$1,660$1,205$386
27 years$3,855$2,868$2,101$1,519$1,086$330
28 years$3,677$2,703$1,953$1,392$980$282
29 years$3,512$2,550$1,818$1,276$885$241
30 years$3,359$2,408$1,693$1,171$800$206
31 years$3,215$2,276$1,578$1,076$723$176
32 years$3,081$2,154$1,473$989$654$150
33 years$2,955$2,040$1,375$909$592$129
34 years$2,837$1,933$1,285$837$536$110
35 years$2,725$1,834$1,201$770$485$94
36 years$2,621$1,740$1,124$709$440$81
37 years$2,522$1,653$1,052$653$399$69
38 years$2,428$1,571$985$602$361$59
39 years$2,340$1,494$923$555$328$50
40 years$2,256$1,421$865$512$297$43
41 years$2,176$1,353$811$473$270$37
42 years$2,101$1,288$761$436$245$32
43 years$2,029$1,228$714$403$222$27
44 years$1,960$1,170$670$372$202$23
45 years$1,895$1,116$629$343$183$20
46 years$1,833$1,064$591$317$166$17
47 years$1,774$1,016$555$293$151$15
48 years$1,717$970$522$271$137$12
49 years$1,663$926$490$250$124$11
50 years$1,611$885$461$231$113$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,650,000, adding $3,504 every year, while hoping to spend $31,594 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: 77/18/5 Blend
34$1,650,000$1,650,000$1,650,000$1,650,000
35$1,821,914$1,734,464$1,708,889$1,961,454
36$1,974,134$1,785,837$1,732,521$2,104,854
37$2,140,821$1,838,669$1,755,886$2,257,572
38$2,323,418$1,892,997$1,778,941$2,424,060
39$2,523,513$1,948,860$1,801,642$2,605,670
40$2,742,855$2,006,298$1,823,942$2,803,892
41$2,983,372$2,065,352$1,845,789$3,020,367
42$3,247,185$2,126,064$1,867,132$3,256,899
43$3,536,631$2,188,474$1,887,915$3,515,478
44$3,854,286$2,252,627$1,908,078$3,798,292
45$4,202,984$2,318,567$1,927,559$4,107,755
46$4,585,849$2,386,338$1,946,293$4,446,520
47$5,006,323$2,455,985$1,964,211$4,817,515
48$5,468,195$2,527,556$1,981,240$5,223,958
49$5,975,642$2,601,098$1,997,303$5,669,401
50$6,533,264$2,676,658$2,012,319$6,157,750
51$7,146,129$2,754,286$2,026,204$6,693,311
52$7,819,820$2,834,032$2,038,867$7,280,827
53$8,560,488$2,915,946$2,050,216$7,925,522
54$9,374,911$3,000,080$2,060,151$8,633,151
55$10,270,554$3,086,486$2,068,568$9,410,054
56$11,255,643$3,175,217$2,075,358$10,263,217
57$12,339,243$3,266,327$2,080,406$11,200,335
58$13,531,339$3,359,870$2,083,593$12,229,884
59$14,842,934$3,455,902$2,084,792$13,361,206
60$16,286,150$3,554,478$2,083,870$14,604,591
61$17,874,346$3,655,656$2,080,687$15,971,377
62$19,622,238$3,759,492$2,075,099$17,474,056
63$21,546,044$3,866,045$2,066,953$19,126,391
64$23,663,631$3,975,372$2,056,086$20,943,548
65$25,994,689$4,087,532$2,042,333$22,942,236
66$28,560,912$4,202,586$2,025,516$25,140,866
67$31,386,205$4,320,592$2,005,450$27,559,724
68$34,496,908$4,441,612$1,981,943$30,221,163
69$37,922,046$4,565,704$1,954,791$33,149,812
70$41,693,601$4,692,930$1,923,784$36,372,810
71$45,846,816$4,823,351$1,888,698$39,920,062
72$50,420,523$4,957,027$1,849,301$43,824,520
73$55,457,514$5,094,019$1,805,350$48,122,492
74$61,004,942$5,234,388$1,756,591$52,853,989
75$67,114,767$5,378,194$1,702,758$58,063,098
76$73,844,245$5,525,497$1,643,572$63,798,400
77$81,256,468$5,676,357$1,578,742$70,113,429
78$89,420,962$5,830,833$1,507,964$77,067,176
79$98,414,339$5,988,982$1,430,919$84,724,643
80$108,321,021$6,150,862$1,347,275$93,157,461
81$119,234,041$6,316,530$1,256,684$102,444,564
82$131,255,913$6,486,040$1,158,783$112,672,932
83$144,499,606$6,659,446$1,053,193$123,938,414
84$159,089,607$6,836,800$939,516$136,346,632
85$175,163,096$7,018,152$817,338$150,013,978
86$192,871,241$7,203,550$686,228$165,068,709
87$212,380,624$7,393,041$545,733$181,652,165
88$233,874,815$7,586,667$395,382$199,920,095
89$257,556,101$7,784,468$234,682$220,044,131
90$283,647,398$7,986,483$63,120$242,213,408
91$312,394,357$8,192,744$0$266,636,347
92$344,067,675$8,403,282$0$293,549,025
93$378,965,658$8,618,123$0$323,202,150
94$417,417,032$8,837,288$0$355,871,294
95$459,784,049$9,060,795$0$391,863,844
96$506,465,901$9,288,652$0$431,518,533
97$557,902,494$9,520,868$0$475,208,641
98$614,578,597$9,757,439$0$523,345,513
99$677,028,419$9,998,359$0$576,382,447
100$745,840,652$10,243,612$0$634,818,966