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

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 $1,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$137,081$135,860$134,669$133,506$132,371$128,031
2 years$67,862$66,598$65,373$64,186$63,034$58,703
3 years$44,792$43,523$42,301$41,124$39,991$35,805
4 years$33,259$31,994$30,784$29,628$28,522$24,513
5 years$26,341$25,083$23,890$22,757$21,682$17,861
6 years$21,731$20,483$19,306$18,199$17,156$13,526
7 years$18,439$17,201$16,044$14,962$13,953$10,512
8 years$15,971$14,745$13,606$12,552$11,575$8,323
9 years$14,053$12,838$11,719$10,691$9,748$6,679
10 years$12,519$11,316$10,217$9,216$8,306$5,416
11 years$11,265$10,074$8,995$8,021$7,143$4,428
12 years$10,221$9,042$7,983$7,035$6,190$3,642
13 years$9,338$8,171$7,132$6,211$5,398$3,012
14 years$8,582$7,427$6,408$5,513$4,732$2,500
15 years$7,927$6,785$5,786$4,917$4,166$2,083
16 years$7,354$6,225$5,246$4,403$3,682$1,740
17 years$6,850$5,733$4,773$3,956$3,265$1,456
18 years$6,402$5,298$4,357$3,565$2,903$1,221
19 years$6,002$4,910$3,989$3,221$2,587$1,026
20 years$5,642$4,562$3,661$2,917$2,311$863
21 years$5,317$4,250$3,367$2,648$2,068$726
22 years$5,021$3,967$3,104$2,407$1,854$612
23 years$4,752$3,710$2,866$2,192$1,664$516
24 years$4,506$3,476$2,650$2,000$1,496$436
25 years$4,280$3,262$2,455$1,826$1,346$368
26 years$4,071$3,066$2,276$1,670$1,212$311
27 years$3,878$2,885$2,114$1,528$1,093$263
28 years$3,700$2,719$1,965$1,400$986$222
29 years$3,534$2,565$1,829$1,284$891$188
30 years$3,379$2,422$1,703$1,179$805$159
31 years$3,235$2,290$1,588$1,082$728$134
32 years$3,099$2,167$1,482$995$658$114
33 years$2,973$2,052$1,383$915$596$96
34 years$2,854$1,945$1,293$842$539$81
35 years$2,742$1,845$1,208$775$488$69
36 years$2,636$1,751$1,131$714$443$58
37 years$2,537$1,663$1,058$657$401$49
38 years$2,443$1,580$991$606$364$42
39 years$2,354$1,503$928$559$330$35
40 years$2,269$1,430$870$515$299$30
41 years$2,189$1,361$816$475$271$25
42 years$2,113$1,296$765$439$246$21
43 years$2,041$1,235$718$405$223$18
44 years$1,972$1,177$674$374$203$15
45 years$1,907$1,123$633$345$184$13
46 years$1,844$1,071$595$319$167$11
47 years$1,785$1,022$559$295$152$9
48 years$1,727$976$525$272$138$8
49 years$1,673$932$493$252$125$7
50 years$1,621$890$464$233$114$6

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 $2,700 every year, while hoping to spend $40,227 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$1,660,000$1,660,000$1,660,000$1,660,000
35$1,832,105$1,744,125$1,718,395$1,883,647
36$1,976,179$1,786,786$1,733,160$1,964,697
37$2,133,599$1,830,189$1,747,071$2,048,275
38$2,305,686$1,874,328$1,760,058$2,137,719
39$2,493,892$1,919,196$1,772,045$2,233,581
40$2,699,814$1,964,782$1,782,955$2,336,473
41$2,925,215$2,011,075$1,792,703$2,447,064
42$3,172,031$2,058,063$1,801,203$2,566,097
43$3,442,399$2,105,729$1,808,365$2,694,386
44$3,738,670$2,154,055$1,814,091$2,832,832
45$4,063,432$2,203,022$1,818,281$2,982,428
46$4,419,538$2,252,606$1,820,828$3,144,266
47$4,810,128$2,302,780$1,821,623$3,319,553
48$5,238,661$2,353,517$1,820,548$3,509,618
49$5,708,949$2,404,784$1,817,481$3,715,928
50$6,225,189$2,456,545$1,812,294$3,940,099
51$6,792,004$2,508,762$1,804,851$4,183,913
52$7,414,487$2,561,390$1,795,012$4,449,337
53$8,098,249$2,614,382$1,782,629$4,738,537
54$8,849,470$2,667,686$1,767,547$5,053,903
55$9,674,960$2,721,247$1,749,604$5,398,071
56$10,582,219$2,775,001$1,728,629$5,773,946
57$11,579,511$2,828,882$1,704,444$6,184,732
58$12,675,942$2,882,818$1,676,863$6,633,962
59$13,881,541$2,936,729$1,645,691$7,125,532
60$15,207,359$2,990,530$1,610,723$7,663,737
61$16,665,573$3,044,130$1,571,746$8,253,313
62$18,269,598$3,097,428$1,528,535$8,899,484
63$20,034,213$3,150,318$1,480,857$9,608,007
64$21,975,704$3,202,685$1,428,467$10,385,232
65$24,112,014$3,254,405$1,371,109$11,238,158
66$26,462,913$3,305,345$1,308,515$12,174,506
67$29,050,186$3,355,362$1,240,406$13,202,784
68$31,897,835$3,404,304$1,166,489$14,332,376
69$35,032,306$3,452,007$1,086,459$15,573,627
70$38,482,741$3,498,296$999,995$16,937,942
71$42,281,251$3,542,982$906,765$18,437,895
72$46,463,216$3,585,866$806,420$20,087,351
73$51,067,625$3,626,734$698,595$21,901,593
74$56,137,435$3,665,357$582,911$23,897,470
75$61,719,985$3,701,491$458,970$26,093,560
76$67,867,436$3,734,877$326,358$28,510,340
77$74,637,265$3,765,236$184,642$31,170,387
78$82,092,809$3,792,275$33,370$34,098,588
79$90,303,858$3,815,679$0$37,322,379
80$99,347,317$3,835,114$0$40,907,533
81$109,307,933$3,850,223$0$44,864,051
82$120,279,087$3,860,629$0$49,219,562
83$132,363,685$3,865,931$0$54,014,727
84$145,675,119$3,865,700$0$59,294,362
85$160,338,345$3,859,483$0$65,107,857
86$176,491,058$3,846,799$0$71,509,644
87$194,284,991$3,827,137$0$78,559,714
88$213,887,348$3,799,955$0$86,324,184
89$235,482,382$3,764,678$0$94,875,919
90$259,273,133$3,720,695$0$104,295,226
91$285,483,345$3,667,361$0$114,670,608
92$314,359,575$3,603,991$0$126,099,606
93$346,173,524$3,529,859$0$138,689,719
94$381,224,597$3,444,196$0$152,559,417
95$419,842,734$3,346,189$0$167,839,270
96$462,391,517$3,234,977$0$184,673,172
97$509,271,608$3,109,647$0$203,219,708
98$560,924,527$2,969,235$0$223,653,654
99$617,836,822$2,812,720$0$246,167,621
100$680,544,657$2,639,022$0$270,973,887