Can I retire at age 35 with 1,670,000?

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 $1,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$137,907$136,679$135,480$134,310$133,168$130,533
2 years$68,271$66,999$65,767$64,572$63,413$60,769
3 years$45,062$43,785$42,556$41,372$40,232$37,662
4 years$33,460$32,186$30,970$29,806$28,694$26,217
5 years$26,500$25,235$24,034$22,894$21,813$19,437
6 years$21,862$20,606$19,423$18,309$17,260$14,987
7 years$18,550$17,305$16,140$15,052$14,037$11,868
8 years$16,068$14,833$13,688$12,627$11,645$9,579
9 years$14,138$12,915$11,790$10,756$9,807$7,843
10 years$12,595$11,384$10,279$9,271$8,356$6,492
11 years$11,333$10,135$9,049$8,069$7,186$5,420
12 years$10,282$9,096$8,031$7,077$6,227$4,557
13 years$9,394$8,220$7,175$6,248$5,430$3,852
14 years$8,633$7,472$6,447$5,547$4,760$3,271
15 years$7,975$6,826$5,821$4,947$4,191$2,789
16 years$7,399$6,263$5,277$4,429$3,704$2,385
17 years$6,891$5,768$4,802$3,980$3,284$2,045
18 years$6,441$5,330$4,384$3,586$2,920$1,757
19 years$6,038$4,939$4,013$3,241$2,603$1,513
20 years$5,676$4,590$3,683$2,935$2,325$1,305
21 years$5,349$4,275$3,388$2,664$2,081$1,127
22 years$5,052$3,991$3,122$2,422$1,865$974
23 years$4,781$3,733$2,883$2,206$1,674$843
24 years$4,533$3,497$2,666$2,012$1,505$730
25 years$4,306$3,282$2,469$1,837$1,354$633
26 years$4,096$3,084$2,290$1,680$1,220$549
27 years$3,902$2,903$2,127$1,538$1,100$477
28 years$3,722$2,735$1,977$1,409$992$414
29 years$3,555$2,580$1,840$1,292$896$359
30 years$3,399$2,437$1,714$1,186$810$312
31 years$3,254$2,304$1,598$1,089$732$272
32 years$3,118$2,180$1,491$1,001$662$236
33 years$2,991$2,064$1,392$920$599$205
34 years$2,871$1,957$1,300$847$542$179
35 years$2,758$1,856$1,216$779$491$155
36 years$2,652$1,761$1,137$718$445$135
37 years$2,552$1,673$1,065$661$403$118
38 years$2,458$1,590$997$610$366$102
39 years$2,368$1,512$934$562$332$89
40 years$2,283$1,438$875$518$301$78
41 years$2,203$1,369$821$478$273$68
42 years$2,126$1,304$770$441$248$59
43 years$2,053$1,242$723$408$225$51
44 years$1,984$1,184$678$376$204$45
45 years$1,918$1,129$637$347$185$39
46 years$1,855$1,077$598$321$168$34
47 years$1,795$1,028$562$297$153$29
48 years$1,738$981$528$274$139$26
49 years$1,683$937$496$253$126$22
50 years$1,631$895$467$234$114$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,670,000, adding $5,065 every year, while hoping to spend $35,498 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: 62/25/13 Blend
34$1,670,000$1,670,000$1,670,000$1,670,000
35$1,845,565$1,757,055$1,731,170$1,953,925
36$1,996,043$1,805,381$1,751,394$2,075,561
37$2,160,680$1,854,885$1,771,106$2,203,774
38$2,340,882$1,905,588$1,790,252$2,342,863
39$2,538,200$1,957,509$1,808,773$2,493,884
40$2,754,338$2,010,669$1,826,609$2,658,000
41$2,991,175$2,065,087$1,843,695$2,836,491
42$3,250,781$2,120,781$1,859,964$3,030,767
43$3,535,433$2,177,772$1,875,346$3,242,379
44$3,847,642$2,236,077$1,889,764$3,473,038
45$4,190,171$2,295,715$1,903,141$3,724,627
46$4,566,065$2,356,702$1,915,393$3,999,218
47$4,978,678$2,419,054$1,926,433$4,299,097
48$5,431,704$2,482,789$1,936,169$4,626,778
49$5,929,213$2,547,920$1,944,506$4,985,035
50$6,475,686$2,614,463$1,951,341$5,376,919
51$7,076,064$2,682,429$1,956,568$5,805,794
52$7,735,786$2,751,831$1,960,077$6,275,365
53$8,460,845$2,822,680$1,961,748$6,789,715
54$9,257,844$2,894,984$1,961,460$7,353,341
55$10,134,058$2,968,752$1,959,083$7,971,198
56$11,097,501$3,043,991$1,954,481$8,648,745
57$12,157,004$3,120,703$1,947,514$9,391,998
58$13,322,293$3,198,893$1,938,030$10,207,584
59$14,604,088$3,278,560$1,925,876$11,102,805
60$16,014,198$3,359,702$1,910,886$12,085,708
61$17,565,636$3,442,317$1,892,889$13,165,160
62$19,272,736$3,526,396$1,871,706$14,350,929
63$21,151,296$3,611,930$1,847,149$15,653,781
64$23,218,720$3,698,906$1,819,021$17,085,578
65$25,494,186$3,787,310$1,787,115$18,659,390
66$27,998,825$3,877,120$1,751,215$20,389,623
67$30,755,921$3,968,314$1,711,097$22,292,148
68$33,791,129$4,060,866$1,666,522$24,384,454
69$37,132,718$4,154,742$1,617,245$26,685,817
70$40,811,839$4,249,908$1,563,006$29,217,473
71$44,862,814$4,346,321$1,503,535$32,002,829
72$49,323,467$4,443,937$1,438,549$35,067,674
73$54,235,472$4,542,701$1,367,752$38,440,432
74$59,644,754$4,642,557$1,290,835$42,152,422
75$65,601,916$4,743,440$1,207,476$46,238,159
76$72,162,721$4,845,278$1,117,335$50,735,678
77$79,388,615$4,947,993$1,020,062$55,686,894
78$87,347,306$5,051,497$915,287$61,137,996
79$96,113,407$5,155,696$802,625$67,139,886
80$105,769,136$5,260,487$681,674$73,748,657
81$116,405,092$5,365,755$552,014$81,026,126
82$128,121,112$5,471,377$413,207$89,040,413
83$141,027,211$5,577,220$264,795$97,866,590
84$155,244,621$5,683,139$106,301$107,587,384
85$170,906,935$5,788,975$0$118,293,963
86$188,161,367$5,894,560$0$130,095,514
87$207,170,142$5,999,708$0$143,110,339
88$228,112,026$6,104,223$0$157,445,765
89$251,184,013$6,207,891$0$173,236,331
90$276,603,187$6,310,482$0$190,630,296
91$304,608,766$6,411,750$0$209,791,040
92$335,464,364$6,511,430$0$230,898,602
93$369,460,476$6,609,237$0$254,151,388
94$406,917,223$6,704,867$0$279,768,034
95$448,187,368$6,797,995$0$307,989,479
96$493,659,653$6,888,270$0$339,081,234
97$543,762,462$6,975,319$0$373,335,889
98$598,967,868$7,058,744$0$411,075,878
99$659,796,086$7,138,119$0$452,656,523
100$726,820,388$7,212,988$0$498,469,383