Can I retire at age 35 with 1,680,000?

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 $1,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$138,733$137,497$136,291$135,115$133,966$132,677
2 years$68,680$67,401$66,161$64,959$63,793$62,495
3 years$45,332$44,047$42,810$41,620$40,473$39,206
4 years$33,660$32,379$31,155$29,985$28,866$27,639
5 years$26,659$25,386$24,178$23,031$21,943$20,761
6 years$21,993$20,729$19,539$18,418$17,363$16,226
7 years$18,661$17,408$16,237$15,143$14,121$13,030
8 years$16,164$14,922$13,770$12,703$11,714$10,670
9 years$14,222$12,993$11,860$10,820$9,865$8,866
10 years$12,670$11,452$10,340$9,327$8,406$7,452
11 years$11,401$10,195$9,103$8,117$7,229$6,319
12 years$10,344$9,151$8,079$7,120$6,265$5,398
13 years$9,450$8,270$7,218$6,286$5,463$4,639
14 years$8,685$7,517$6,485$5,580$4,789$4,006
15 years$8,022$6,867$5,855$4,976$4,216$3,474
16 years$7,443$6,300$5,309$4,456$3,726$3,023
17 years$6,932$5,802$4,831$4,003$3,304$2,638
18 years$6,479$5,361$4,410$3,608$2,938$2,308
19 years$6,074$4,969$4,037$3,260$2,619$2,024
20 years$5,710$4,617$3,705$2,953$2,339$1,778
21 years$5,381$4,301$3,408$2,680$2,093$1,565
22 years$5,082$4,015$3,141$2,436$1,876$1,379
23 years$4,810$3,755$2,900$2,219$1,684$1,217
24 years$4,560$3,518$2,682$2,024$1,514$1,075
25 years$4,331$3,302$2,484$1,848$1,362$950
26 years$4,120$3,103$2,304$1,690$1,227$841
27 years$3,925$2,920$2,139$1,547$1,106$744
28 years$3,744$2,752$1,989$1,417$998$660
29 years$3,576$2,596$1,851$1,300$901$585
30 years$3,420$2,452$1,724$1,193$814$519
31 years$3,274$2,318$1,607$1,095$736$460
32 years$3,137$2,193$1,500$1,007$666$409
33 years$3,009$2,077$1,400$926$603$363
34 years$2,888$1,968$1,308$852$546$322
35 years$2,775$1,867$1,223$784$494$286
36 years$2,668$1,772$1,144$722$448$255
37 years$2,567$1,683$1,071$665$406$226
38 years$2,472$1,599$1,003$613$368$201
39 years$2,382$1,521$940$565$334$179
40 years$2,297$1,447$881$522$303$159
41 years$2,216$1,377$826$481$275$142
42 years$2,139$1,312$775$444$249$126
43 years$2,066$1,250$727$410$226$112
44 years$1,996$1,191$682$379$205$100
45 years$1,930$1,136$641$350$186$89
46 years$1,866$1,084$602$323$169$79
47 years$1,806$1,034$565$298$154$70
48 years$1,748$987$531$276$140$63
49 years$1,693$943$499$255$127$56
50 years$1,640$901$469$235$115$50

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,680,000, adding $2,958 every year, while hoping to spend $36,640 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: 39/36/25 Blend
34$1,680,000$1,680,000$1,680,000$1,680,000
35$1,854,411$1,765,371$1,739,331$1,912,863
36$2,004,576$1,812,890$1,758,614$2,003,093
37$2,168,831$1,861,509$1,777,315$2,096,960
38$2,348,572$1,911,243$1,795,376$2,197,740
39$2,545,340$1,962,108$1,812,735$2,306,087
40$2,760,831$2,014,118$1,829,328$2,422,718
41$2,996,912$2,067,285$1,845,086$2,548,422
42$3,255,639$2,121,624$1,859,939$2,684,070
43$3,539,277$2,177,147$1,873,809$2,830,621
44$3,850,320$2,233,864$1,886,619$2,989,130
45$4,191,516$2,291,787$1,898,284$3,160,760
46$4,565,891$2,350,924$1,908,716$3,346,794
47$4,976,777$2,411,285$1,917,824$3,548,642
48$5,427,846$2,472,876$1,925,509$3,767,861
49$5,923,143$2,535,703$1,931,670$4,006,165
50$6,467,122$2,599,771$1,936,199$4,265,442
51$7,064,691$2,665,082$1,938,984$4,547,774
52$7,721,257$2,731,639$1,939,908$4,855,454
53$8,442,775$2,799,439$1,938,845$5,191,011
54$9,235,808$2,868,481$1,935,666$5,557,229
55$10,107,584$2,938,761$1,930,234$5,957,179
56$11,066,068$3,010,270$1,922,407$6,394,244
57$12,120,033$3,083,000$1,912,034$6,872,153
58$13,279,148$3,156,938$1,898,959$7,395,016
59$14,554,062$3,232,069$1,883,015$7,967,362
60$15,956,512$3,308,376$1,864,032$8,594,184
61$17,499,427$3,385,837$1,841,827$9,280,983
62$19,197,052$3,464,427$1,816,212$10,033,824
63$21,065,085$3,544,117$1,786,989$10,859,392
64$23,120,820$3,624,875$1,753,950$11,765,053
65$25,383,314$3,706,664$1,716,877$12,758,929
66$27,873,563$3,789,442$1,675,544$13,849,967
67$30,614,704$3,873,162$1,629,712$15,048,034
68$33,632,230$3,957,773$1,579,133$16,364,002
69$36,954,230$4,043,217$1,523,547$17,809,854
70$40,611,657$4,129,430$1,462,681$19,398,799
71$44,638,617$4,216,342$1,396,251$21,145,395
72$49,072,690$4,303,878$1,323,960$23,065,689
73$53,955,288$4,391,951$1,245,496$25,177,366
74$59,332,043$4,480,472$1,160,536$27,499,919
75$65,253,236$4,569,340$1,068,738$30,054,834
76$71,774,274$4,658,446$969,749$32,865,790
77$78,956,212$4,747,672$863,198$35,958,888
78$86,866,328$4,836,891$748,698$39,362,895
79$95,578,759$4,925,963$625,844$43,109,516
80$105,175,197$5,014,740$494,215$47,233,696
81$115,745,666$5,103,061$353,370$51,773,950
82$127,389,364$5,190,751$202,848$56,772,729
83$140,215,605$5,277,624$42,169$62,276,819
84$154,344,847$5,363,478$0$68,337,784
85$169,909,830$5,448,097$0$75,046,950
86$187,056,828$5,531,250$0$82,446,708
87$205,947,031$5,612,687$0$90,594,978
88$226,758,062$5,692,142$0$99,567,998
89$249,685,657$5,769,330$0$109,449,783
90$274,945,513$5,843,946$0$120,332,918
91$302,775,320$5,915,664$0$132,319,434
92$333,437,006$5,984,135$0$145,521,769
93$367,219,210$6,048,987$0$160,063,832
94$404,440,006$6,109,823$0$176,082,174
95$445,449,902$6,166,220$0$193,727,276
96$490,635,153$6,217,726$0$213,164,970
97$540,421,405$6,263,861$0$234,578,008
98$595,277,711$6,304,113$0$258,167,783
99$655,720,959$6,337,937$0$284,156,238
100$722,320,755$6,364,753$0$312,787,956