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%19%
1 years$136,255$135,042$133,858$132,702$131,573$126,804
2 years$67,453$66,197$64,979$63,799$62,654$57,901
3 years$44,522$43,260$42,046$40,877$39,750$35,164
4 years$33,059$31,801$30,599$29,449$28,350$23,965
5 years$26,183$24,932$23,746$22,620$21,551$17,379
6 years$21,600$20,359$19,190$18,089$17,053$13,096
7 years$18,328$17,098$15,947$14,872$13,869$10,126
8 years$15,875$14,656$13,524$12,476$11,505$7,974
9 years$13,968$12,761$11,649$10,627$9,689$6,365
10 years$12,444$11,248$10,156$9,160$8,256$5,132
11 years$11,197$10,013$8,941$7,972$7,100$4,171
12 years$10,159$8,987$7,935$6,993$6,153$3,411
13 years$9,281$8,122$7,089$6,174$5,365$2,803
14 years$8,530$7,383$6,370$5,480$4,703$2,312
15 years$7,879$6,744$5,751$4,887$4,141$1,914
16 years$7,310$6,188$5,214$4,376$3,660$1,588
17 years$6,809$5,699$4,745$3,932$3,245$1,321
18 years$6,363$5,266$4,331$3,543$2,885$1,100
19 years$5,966$4,880$3,965$3,202$2,572$918
20 years$5,608$4,535$3,639$2,900$2,297$767
21 years$5,285$4,224$3,347$2,632$2,056$641
22 years$4,991$3,943$3,085$2,393$1,843$536
23 years$4,724$3,688$2,848$2,179$1,654$449
24 years$4,479$3,455$2,634$1,988$1,487$376
25 years$4,254$3,243$2,440$1,815$1,338$315
26 years$4,047$3,048$2,263$1,660$1,205$264
27 years$3,855$2,868$2,101$1,519$1,086$222
28 years$3,677$2,703$1,953$1,392$980$186
29 years$3,512$2,550$1,818$1,276$885$156
30 years$3,359$2,408$1,693$1,171$800$131
31 years$3,215$2,276$1,578$1,076$723$110
32 years$3,081$2,154$1,473$989$654$92
33 years$2,955$2,040$1,375$909$592$78
34 years$2,837$1,933$1,285$837$536$65
35 years$2,725$1,834$1,201$770$485$55
36 years$2,621$1,740$1,124$709$440$46
37 years$2,522$1,653$1,052$653$399$39
38 years$2,428$1,571$985$602$361$32
39 years$2,340$1,494$923$555$328$27
40 years$2,256$1,421$865$512$297$23
41 years$2,176$1,353$811$473$270$19
42 years$2,101$1,288$761$436$245$16
43 years$2,029$1,228$714$403$222$14
44 years$1,960$1,170$670$372$202$11
45 years$1,895$1,116$629$343$183$10
46 years$1,833$1,064$591$317$166$8
47 years$1,774$1,016$555$293$151$7
48 years$1,717$970$522$271$137$6
49 years$1,663$926$490$250$124$5
50 years$1,611$885$461$231$113$4

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 $2,065 every year, while hoping to spend $34,971 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: 36/38/26 Blend
34$1,650,000$1,650,000$1,650,000$1,650,000
35$1,820,430$1,732,980$1,707,405$1,871,662
36$1,968,905$1,780,687$1,727,394$1,957,473
37$2,131,352$1,829,560$1,746,881$2,046,712
38$2,309,160$1,879,618$1,765,812$2,142,371
39$2,503,858$1,930,883$1,784,129$2,245,048
40$2,717,128$1,983,373$1,801,774$2,355,404
41$2,950,825$2,037,107$1,818,683$2,474,164
42$3,206,990$2,092,107$1,834,790$2,602,130
43$3,487,872$2,148,389$1,850,025$2,740,181
44$3,795,948$2,205,973$1,864,314$2,889,288
45$4,133,945$2,264,877$1,877,579$3,050,519
46$4,504,869$2,325,117$1,889,739$3,225,051
47$4,912,029$2,386,711$1,900,709$3,414,182
48$5,359,070$2,449,674$1,910,397$3,619,340
49$5,850,009$2,514,022$1,918,709$3,842,098
50$6,389,270$2,579,769$1,925,546$4,084,191
51$6,981,726$2,646,928$1,930,802$4,347,530
52$7,632,746$2,715,512$1,934,368$4,634,219
53$8,348,245$2,785,531$1,936,128$4,946,579
54$9,134,739$2,856,995$1,935,962$5,287,166
55$9,999,408$2,929,913$1,933,741$5,658,798
56$10,950,159$3,004,290$1,929,333$6,064,580
57$11,995,708$3,080,133$1,922,599$6,507,932
58$13,145,654$3,157,444$1,913,390$6,992,626
59$14,410,577$3,236,224$1,901,554$7,522,818
60$15,802,129$3,316,473$1,886,930$8,103,087
61$17,333,153$3,398,186$1,869,348$8,738,481
62$19,017,796$3,481,359$1,848,633$9,434,563
63$20,871,647$3,565,982$1,824,598$10,197,465
64$22,911,883$3,652,043$1,797,050$11,033,945
65$25,157,430$3,739,528$1,765,787$11,951,449
66$27,629,142$3,828,419$1,730,595$12,958,189
67$30,349,997$3,918,694$1,691,252$14,063,210
68$33,345,313$4,010,326$1,647,525$15,276,485
69$36,642,990$4,103,287$1,599,172$16,609,005
70$40,273,768$4,197,541$1,545,937$18,072,882
71$44,271,520$4,293,049$1,487,554$19,681,470
72$48,673,573$4,389,766$1,423,745$21,449,482
73$53,521,056$4,487,643$1,354,219$23,393,138
74$58,859,290$4,586,623$1,278,671$25,530,313
75$64,738,214$4,686,645$1,196,784$27,880,711
76$71,212,860$4,787,638$1,108,224$30,466,045
77$78,343,868$4,889,528$1,012,645$33,310,251
78$86,198,058$4,992,231$909,684$36,439,705
79$94,849,063$5,095,654$798,962$39,883,483
80$104,378,023$5,199,697$680,084$43,673,626
81$114,874,350$5,304,250$552,635$47,845,453
82$126,436,570$5,409,194$416,184$52,437,887
83$139,173,254$5,514,399$270,280$57,493,828
84$153,204,045$5,619,724$114,454$63,060,559
85$168,660,784$5,725,016$0$69,190,190
86$185,688,752$5,830,110$0$75,954,536
87$204,448,047$5,934,828$0$83,437,335
88$225,115,089$6,038,976$0$91,676,714
89$247,884,291$6,142,348$0$100,749,714
90$272,969,886$6,244,721$0$110,741,238
91$300,607,956$6,345,853$0$121,744,846
92$331,058,655$6,445,489$0$133,863,643
93$364,608,670$6,543,350$0$147,211,252
94$401,573,921$6,639,140$0$161,912,885
95$442,302,544$6,732,541$0$178,106,527
96$487,178,182$6,823,214$0$195,944,239
97$536,623,599$6,910,795$0$215,593,594
98$591,104,677$6,994,893$0$237,239,260
99$651,134,806$7,075,096$0$261,084,742
100$717,279,738$7,150,957$0$287,354,307