Can I retire at age 35 with 1,660,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$137,081$135,860$134,669$133,506$132,371$130,608
2 years$67,862$66,598$65,373$64,186$63,034$61,261
3 years$44,792$43,523$42,301$41,124$39,991$38,263
4 years$33,259$31,994$30,784$29,628$28,522$26,852
5 years$26,341$25,083$23,890$22,757$21,682$20,075
6 years$21,731$20,483$19,306$18,199$17,156$15,614
7 years$18,439$17,201$16,044$14,962$13,953$12,476
8 years$15,971$14,745$13,606$12,552$11,575$10,163
9 years$14,053$12,838$11,719$10,691$9,748$8,401
10 years$12,519$11,316$10,217$9,216$8,306$7,022
11 years$11,265$10,074$8,995$8,021$7,143$5,922
12 years$10,221$9,042$7,983$7,035$6,190$5,030
13 years$9,338$8,171$7,132$6,211$5,398$4,297
14 years$8,582$7,427$6,408$5,513$4,732$3,689
15 years$7,927$6,785$5,786$4,917$4,166$3,179
16 years$7,354$6,225$5,246$4,403$3,682$2,750
17 years$6,850$5,733$4,773$3,956$3,265$2,385
18 years$6,402$5,298$4,357$3,565$2,903$2,073
19 years$6,002$4,910$3,989$3,221$2,587$1,806
20 years$5,642$4,562$3,661$2,917$2,311$1,576
21 years$5,317$4,250$3,367$2,648$2,068$1,378
22 years$5,021$3,967$3,104$2,407$1,854$1,206
23 years$4,752$3,710$2,866$2,192$1,664$1,057
24 years$4,506$3,476$2,650$2,000$1,496$927
25 years$4,280$3,262$2,455$1,826$1,346$814
26 years$4,071$3,066$2,276$1,670$1,212$715
27 years$3,878$2,885$2,114$1,528$1,093$628
28 years$3,700$2,719$1,965$1,400$986$553
29 years$3,534$2,565$1,829$1,284$891$487
30 years$3,379$2,422$1,703$1,179$805$428
31 years$3,235$2,290$1,588$1,082$728$377
32 years$3,099$2,167$1,482$995$658$332
33 years$2,973$2,052$1,383$915$596$293
34 years$2,854$1,945$1,293$842$539$258
35 years$2,742$1,845$1,208$775$488$228
36 years$2,636$1,751$1,131$714$443$201
37 years$2,537$1,663$1,058$657$401$177
38 years$2,443$1,580$991$606$364$156
39 years$2,354$1,503$928$559$330$138
40 years$2,269$1,430$870$515$299$122
41 years$2,189$1,361$816$475$271$108
42 years$2,113$1,296$765$439$246$95
43 years$2,041$1,235$718$405$223$84
44 years$1,972$1,177$674$374$203$74
45 years$1,907$1,123$633$345$184$65
46 years$1,844$1,071$595$319$167$58
47 years$1,785$1,022$559$295$152$51
48 years$1,727$976$525$272$138$45
49 years$1,673$932$493$252$125$40
50 years$1,621$890$464$233$114$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,660,000, adding $5,728 every year, while hoping to spend $49,014 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: 30/40/30 Blend
34$1,660,000$1,660,000$1,660,000$1,660,000
35$1,835,228$1,747,248$1,721,518$1,873,273
36$1,970,271$1,780,713$1,727,039$1,937,169
37$2,117,446$1,814,175$1,731,101$2,001,224
38$2,277,937$1,847,582$1,733,605$2,069,179
39$2,453,051$1,880,877$1,734,446$2,141,408
40$2,644,224$1,914,002$1,733,511$2,218,328
41$2,853,037$1,946,890$1,730,685$2,300,397
42$3,081,230$1,979,471$1,725,847$2,388,124
43$3,330,720$2,011,670$1,718,867$2,482,071
44$3,603,617$2,043,405$1,709,613$2,582,861
45$3,902,244$2,074,590$1,697,944$2,691,181
46$4,229,160$2,105,132$1,683,711$2,807,793
47$4,587,181$2,134,930$1,666,762$2,933,538
48$4,979,409$2,163,878$1,646,935$3,069,347
49$5,409,262$2,191,860$1,624,060$3,216,249
50$5,880,501$2,218,755$1,597,960$3,375,381
51$6,397,270$2,244,433$1,568,450$3,548,002
52$6,964,134$2,268,752$1,535,335$3,735,502
53$7,586,119$2,291,565$1,498,413$3,939,418
54$8,268,764$2,312,713$1,457,471$4,161,448
55$9,018,168$2,332,026$1,412,286$4,403,468
56$9,841,050$2,349,323$1,362,626$4,667,552
57$10,744,811$2,364,414$1,308,248$4,955,992
58$11,737,605$2,377,094$1,248,898$5,271,318
59$12,828,414$2,387,145$1,184,309$5,616,327
60$14,027,133$2,394,336$1,114,204$5,994,107
61$15,344,664$2,398,421$1,038,293$6,408,068
62$16,793,015$2,399,139$956,271$6,861,979
63$18,385,419$2,396,213$867,823$7,359,998
64$20,136,453$2,389,349$772,616$7,906,720
65$22,062,178$2,378,234$670,305$8,507,215
66$24,180,288$2,362,535$560,529$9,167,082
67$26,510,281$2,341,903$442,909$9,892,503
68$29,073,636$2,315,962$317,053$10,690,301
69$31,894,021$2,284,319$182,549$11,568,007
70$34,997,515$2,246,554$38,968$12,533,934
71$38,412,849$2,202,223$0$13,597,255
72$42,171,683$2,150,856$0$14,804,670
73$46,308,901$2,091,954$0$16,146,466
74$50,862,941$2,024,991$0$17,622,641
75$55,876,154$1,949,409$0$19,246,962
76$61,395,208$1,864,616$0$21,034,607
77$67,471,526$1,769,989$0$23,002,313
78$74,161,770$1,664,867$0$25,168,535
79$81,528,375$1,548,550$0$27,553,618
80$89,640,140$1,420,300$0$30,179,997
81$98,572,875$1,279,335$0$33,072,404
82$108,410,117$1,124,831$0$36,258,109
83$119,243,915$955,915$0$39,767,177
84$131,175,704$771,664$0$43,632,752
85$144,317,257$571,106$0$47,891,376
86$158,791,738$353,212$0$52,583,336
87$174,734,872$116,896$0$57,753,043
88$192,296,217$0$0$63,449,459
89$211,640,577$0$0$69,787,735
90$232,949,562$0$0$76,826,795
91$256,423,296$0$0$84,581,342
92$282,282,306$0$0$93,124,277
93$310,769,605$0$0$102,535,933
94$342,152,986$0$0$112,904,837
95$376,727,546$0$0$124,328,542
96$414,818,472$0$0$136,914,548
97$456,784,111$0$0$150,781,318
98$503,019,351$0$0$166,059,396
99$553,959,348$0$0$182,892,637
100$610,083,634$0$0$201,439,567