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%19.9%
1 years$137,907$136,679$135,480$134,310$133,168$127,885
2 years$68,271$66,999$65,767$64,572$63,413$58,156
3 years$45,062$43,785$42,556$41,372$40,232$35,166
4 years$33,460$32,186$30,970$29,806$28,694$23,858
5 years$26,500$25,235$24,034$22,894$21,813$17,219
6 years$21,862$20,606$19,423$18,309$17,260$12,911
7 years$18,550$17,305$16,140$15,052$14,037$9,932
8 years$16,068$14,833$13,688$12,627$11,645$7,780
9 years$14,138$12,915$11,790$10,756$9,807$6,175
10 years$12,595$11,384$10,279$9,271$8,356$4,951
11 years$11,333$10,135$9,049$8,069$7,186$4,000
12 years$10,282$9,096$8,031$7,077$6,227$3,251
13 years$9,394$8,220$7,175$6,248$5,430$2,655
14 years$8,633$7,472$6,447$5,547$4,760$2,177
15 years$7,975$6,826$5,821$4,947$4,191$1,790
16 years$7,399$6,263$5,277$4,429$3,704$1,476
17 years$6,891$5,768$4,802$3,980$3,284$1,219
18 years$6,441$5,330$4,384$3,586$2,920$1,009
19 years$6,038$4,939$4,013$3,241$2,603$836
20 years$5,676$4,590$3,683$2,935$2,325$693
21 years$5,349$4,275$3,388$2,664$2,081$576
22 years$5,052$3,991$3,122$2,422$1,865$478
23 years$4,781$3,733$2,883$2,206$1,674$398
24 years$4,533$3,497$2,666$2,012$1,505$331
25 years$4,306$3,282$2,469$1,837$1,354$275
26 years$4,096$3,084$2,290$1,680$1,220$229
27 years$3,902$2,903$2,127$1,538$1,100$191
28 years$3,722$2,735$1,977$1,409$992$159
29 years$3,555$2,580$1,840$1,292$896$132
30 years$3,399$2,437$1,714$1,186$810$110
31 years$3,254$2,304$1,598$1,089$732$92
32 years$3,118$2,180$1,491$1,001$662$77
33 years$2,991$2,064$1,392$920$599$64
34 years$2,871$1,957$1,300$847$542$53
35 years$2,758$1,856$1,216$779$491$44
36 years$2,652$1,761$1,137$718$445$37
37 years$2,552$1,673$1,065$661$403$31
38 years$2,458$1,590$997$610$366$26
39 years$2,368$1,512$934$562$332$21
40 years$2,283$1,438$875$518$301$18
41 years$2,203$1,369$821$478$273$15
42 years$2,126$1,304$770$441$248$12
43 years$2,053$1,242$723$408$225$10
44 years$1,984$1,184$678$376$204$9
45 years$1,918$1,129$637$347$185$7
46 years$1,855$1,077$598$321$168$6
47 years$1,795$1,028$562$297$153$5
48 years$1,738$981$528$274$139$4
49 years$1,683$937$496$253$126$3
50 years$1,631$895$467$234$114$3

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 $5,873 every year, while hoping to spend $53,001 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: 86/7/7 Blend
34$1,670,000$1,670,000$1,670,000$1,670,000
35$1,846,398$1,757,888$1,732,003$2,003,685
36$1,978,338$1,787,632$1,733,632$2,136,868
37$2,121,959$1,817,057$1,733,540$2,275,301
38$2,278,398$1,846,091$1,731,612$2,425,725
39$2,448,903$1,874,658$1,727,730$2,589,310
40$2,634,850$1,902,676$1,721,768$2,767,344
41$2,837,753$1,930,055$1,713,595$2,961,246
42$3,059,278$1,956,701$1,703,074$3,172,579
43$3,301,258$1,982,514$1,690,061$3,403,062
44$3,565,713$2,007,384$1,674,405$3,654,592
45$3,854,866$2,031,196$1,655,948$3,929,254
46$4,171,165$2,053,826$1,634,525$4,229,348
47$4,517,303$2,075,144$1,609,961$4,557,405
48$4,896,249$2,095,007$1,582,076$4,916,215
49$5,311,270$2,113,266$1,550,679$5,308,849
50$5,765,965$2,129,761$1,515,572$5,738,692
51$6,264,297$2,144,323$1,476,547$6,209,474
52$6,810,630$2,156,769$1,433,386$6,725,300
53$7,409,771$2,166,908$1,385,861$7,290,697
54$8,067,015$2,174,534$1,333,735$7,910,651
55$8,788,193$2,179,429$1,276,758$8,590,654
56$9,579,730$2,181,361$1,214,670$9,336,758
57$10,448,700$2,180,086$1,147,199$10,155,632
58$11,402,898$2,175,340$1,074,061$11,054,624
59$12,450,909$2,166,848$994,958$12,041,827
60$13,602,193$2,154,314$909,580$13,126,164
61$14,867,168$2,137,427$817,602$14,317,462
62$16,257,314$2,115,856$718,686$15,626,551
63$17,785,275$2,089,248$612,478$17,065,365
64$19,464,985$2,057,233$498,608$18,647,055
65$21,311,792$2,019,416$376,690$20,386,110
66$23,342,607$1,975,380$246,321$22,298,497
67$25,576,061$1,924,681$107,081$24,401,810
68$28,032,681$1,866,853$0$26,715,440
69$30,735,084$1,801,398$0$29,263,850
70$33,708,189$1,727,793$0$32,076,220
71$36,979,452$1,645,482$0$35,170,525
72$40,579,123$1,553,878$0$38,575,391
73$44,540,536$1,452,360$0$42,322,361
74$48,900,417$1,340,272$0$46,446,195
75$53,699,233$1,216,919$0$50,985,193
76$58,981,574$1,081,567$0$55,981,561
77$64,796,572$933,441$0$61,481,803
78$71,198,364$771,722$0$67,537,169
79$78,246,604$595,543$0$74,204,128
80$86,007,024$403,991$0$81,544,910
81$94,552,054$196,100$0$89,628,087
82$103,961,504$0$0$98,529,223
83$114,323,320$0$0$108,333,832
84$125,734,411$0$0$119,147,952
85$138,301,561$0$0$131,057,680
86$152,142,441$0$0$144,174,534
87$167,386,716$0$0$158,621,401
88$184,177,268$0$0$174,533,691
89$202,671,545$0$0$192,060,621
90$223,043,046$0$0$211,366,620
91$245,482,959$0$0$232,632,879
92$270,201,964$0$0$256,059,062
93$297,432,218$0$0$281,865,191
94$327,429,553$0$0$310,293,721
95$360,475,882$0$0$341,611,827
96$396,881,865$0$0$376,113,926
97$436,989,837$0$0$414,124,457
98$481,177,042$0$0$456,000,939
99$529,859,191$0$0$502,137,350
100$583,494,385$0$0$552,967,841