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

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 $1,670,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$137,907$136,679$135,480$134,310$133,168$128,751
2 years$68,271$66,999$65,767$64,572$63,413$59,006
3 years$45,062$43,785$42,556$41,372$40,232$35,973
4 years$33,460$32,186$30,970$29,806$28,694$24,615
5 years$26,500$25,235$24,034$22,894$21,813$17,926
6 years$21,862$20,606$19,423$18,309$17,260$13,567
7 years$18,550$17,305$16,140$15,052$14,037$10,539
8 years$16,068$14,833$13,688$12,627$11,645$8,339
9 years$14,138$12,915$11,790$10,756$9,807$6,688
10 years$12,595$11,384$10,279$9,271$8,356$5,420
11 years$11,333$10,135$9,049$8,069$7,186$4,428
12 years$10,282$9,096$8,031$7,077$6,227$3,640
13 years$9,394$8,220$7,175$6,248$5,430$3,008
14 years$8,633$7,472$6,447$5,547$4,760$2,495
15 years$7,975$6,826$5,821$4,947$4,191$2,077
16 years$7,399$6,263$5,277$4,429$3,704$1,734
17 years$6,891$5,768$4,802$3,980$3,284$1,450
18 years$6,441$5,330$4,384$3,586$2,920$1,215
19 years$6,038$4,939$4,013$3,241$2,603$1,020
20 years$5,676$4,590$3,683$2,935$2,325$857
21 years$5,349$4,275$3,388$2,664$2,081$721
22 years$5,052$3,991$3,122$2,422$1,865$607
23 years$4,781$3,733$2,883$2,206$1,674$512
24 years$4,533$3,497$2,666$2,012$1,505$431
25 years$4,306$3,282$2,469$1,837$1,354$364
26 years$4,096$3,084$2,290$1,680$1,220$307
27 years$3,902$2,903$2,127$1,538$1,100$259
28 years$3,722$2,735$1,977$1,409$992$219
29 years$3,555$2,580$1,840$1,292$896$185
30 years$3,399$2,437$1,714$1,186$810$156
31 years$3,254$2,304$1,598$1,089$732$132
32 years$3,118$2,180$1,491$1,001$662$112
33 years$2,991$2,064$1,392$920$599$94
34 years$2,871$1,957$1,300$847$542$80
35 years$2,758$1,856$1,216$779$491$68
36 years$2,652$1,761$1,137$718$445$57
37 years$2,552$1,673$1,065$661$403$48
38 years$2,458$1,590$997$610$366$41
39 years$2,368$1,512$934$562$332$35
40 years$2,283$1,438$875$518$301$29
41 years$2,203$1,369$821$478$273$25
42 years$2,126$1,304$770$441$248$21
43 years$2,053$1,242$723$408$225$18
44 years$1,984$1,184$678$376$204$15
45 years$1,918$1,129$637$347$185$13
46 years$1,855$1,077$598$321$168$11
47 years$1,795$1,028$562$297$153$9
48 years$1,738$981$528$274$139$8
49 years$1,683$937$496$253$126$6
50 years$1,631$895$467$234$114$5

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 $2,268 every year, while hoping to spend $39,685 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: 58/32/10 Blend
34$1,670,000$1,670,000$1,670,000$1,670,000
35$1,842,679$1,754,169$1,728,284$1,945,042
36$1,988,408$1,797,899$1,743,957$2,057,969
37$2,147,671$1,842,442$1,758,825$2,176,357
38$2,321,807$1,887,795$1,772,819$2,304,435
39$2,512,290$1,933,955$1,785,867$2,443,138
40$2,720,742$1,980,917$1,797,892$2,593,493
41$2,948,950$2,028,675$1,808,814$2,756,633
42$3,198,883$2,077,219$1,818,549$2,933,803
43$3,472,706$2,126,541$1,827,008$3,126,375
44$3,772,807$2,176,626$1,834,098$3,335,862
45$4,101,813$2,227,461$1,839,720$3,563,929
46$4,462,620$2,279,028$1,843,773$3,812,409
47$4,858,416$2,331,309$1,846,147$4,083,322
48$5,292,712$2,384,281$1,846,731$4,378,895
49$5,769,376$2,437,918$1,845,404$4,701,578
50$6,292,669$2,492,193$1,842,042$5,054,073
51$6,867,285$2,547,074$1,836,514$5,439,357
52$7,498,394$2,602,527$1,828,683$5,860,707
53$8,191,691$2,658,512$1,818,405$6,321,736
54$8,953,452$2,714,986$1,805,529$6,826,426
55$9,790,587$2,771,904$1,789,898$7,379,162
56$10,710,712$2,829,213$1,771,345$7,984,777
57$11,722,218$2,886,857$1,749,697$8,648,596
58$12,834,345$2,944,774$1,724,773$9,376,489
59$14,057,278$3,002,897$1,696,383$10,174,921
60$15,402,236$3,061,155$1,664,327$11,051,020
61$16,881,579$3,119,467$1,628,398$12,012,637
62$18,508,928$3,177,748$1,588,377$13,068,426
63$20,299,287$3,235,907$1,544,036$14,227,925
64$22,269,190$3,293,842$1,495,137$15,501,642
65$24,436,853$3,351,446$1,441,430$16,901,160
66$26,822,349$3,408,603$1,382,654$18,439,241
67$29,447,792$3,465,188$1,318,537$20,129,951
68$32,337,552$3,521,068$1,248,793$21,988,792
69$35,518,479$3,576,097$1,173,124$24,032,845
70$39,020,160$3,630,121$1,091,219$26,280,939
71$42,875,193$3,682,975$1,002,753$28,753,820
72$47,119,502$3,734,480$907,384$31,474,353
73$51,792,669$3,784,446$804,759$34,467,738
74$56,938,308$3,832,671$694,505$37,761,746
75$62,604,480$3,878,937$576,236$41,386,981
76$68,844,143$3,923,011$449,546$45,377,175
77$75,715,653$3,964,646$314,013$49,769,497
78$83,283,314$4,003,577$169,196$54,604,916
79$91,617,982$4,039,523$14,635$59,928,578
80$100,797,740$4,072,184$0$65,790,239
81$110,908,627$4,101,238$0$72,260,772
82$122,045,454$4,126,346$0$79,387,280
83$134,312,698$4,147,144$0$87,234,854
84$147,825,487$4,163,248$0$95,876,950
85$162,710,687$4,174,248$0$105,394,518
86$179,108,097$4,179,706$0$115,876,766
87$197,171,773$4,179,161$0$127,422,005
88$217,071,475$4,172,121$0$140,138,572
89$238,994,274$4,158,064$0$154,145,862
90$263,146,316$4,136,435$0$169,575,447
91$289,754,767$4,106,647$0$186,572,327
92$319,069,957$4,068,077$0$205,296,293
93$351,367,743$4,020,063$0$225,923,438
94$386,952,112$3,961,906$0$248,647,825
95$426,158,050$3,892,861$0$273,683,313
96$469,354,703$3,812,143$0$301,265,582
97$516,948,863$3,718,919$0$331,654,357
98$569,388,807$3,612,306$0$365,135,862
99$627,168,527$3,491,370$0$402,025,523
100$690,832,393$3,355,124$0$442,670,948