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%19.9%
1 years$138,733$137,497$136,291$135,115$133,966$128,650
2 years$68,680$67,401$66,161$64,959$63,793$58,504
3 years$45,332$44,047$42,810$41,620$40,473$35,377
4 years$33,660$32,379$31,155$29,985$28,866$24,001
5 years$26,659$25,386$24,178$23,031$21,943$17,322
6 years$21,993$20,729$19,539$18,418$17,363$12,988
7 years$18,661$17,408$16,237$15,143$14,121$9,991
8 years$16,164$14,922$13,770$12,703$11,714$7,826
9 years$14,222$12,993$11,860$10,820$9,865$6,212
10 years$12,670$11,452$10,340$9,327$8,406$4,980
11 years$11,401$10,195$9,103$8,117$7,229$4,024
12 years$10,344$9,151$8,079$7,120$6,265$3,271
13 years$9,450$8,270$7,218$6,286$5,463$2,671
14 years$8,685$7,517$6,485$5,580$4,789$2,190
15 years$8,022$6,867$5,855$4,976$4,216$1,801
16 years$7,443$6,300$5,309$4,456$3,726$1,485
17 years$6,932$5,802$4,831$4,003$3,304$1,226
18 years$6,479$5,361$4,410$3,608$2,938$1,015
19 years$6,074$4,969$4,037$3,260$2,619$841
20 years$5,710$4,617$3,705$2,953$2,339$698
21 years$5,381$4,301$3,408$2,680$2,093$579
22 years$5,082$4,015$3,141$2,436$1,876$481
23 years$4,810$3,755$2,900$2,219$1,684$400
24 years$4,560$3,518$2,682$2,024$1,514$333
25 years$4,331$3,302$2,484$1,848$1,362$277
26 years$4,120$3,103$2,304$1,690$1,227$231
27 years$3,925$2,920$2,139$1,547$1,106$192
28 years$3,744$2,752$1,989$1,417$998$160
29 years$3,576$2,596$1,851$1,300$901$133
30 years$3,420$2,452$1,724$1,193$814$111
31 years$3,274$2,318$1,607$1,095$736$93
32 years$3,137$2,193$1,500$1,007$666$77
33 years$3,009$2,077$1,400$926$603$64
34 years$2,888$1,968$1,308$852$546$54
35 years$2,775$1,867$1,223$784$494$45
36 years$2,668$1,772$1,144$722$448$37
37 years$2,567$1,683$1,071$665$406$31
38 years$2,472$1,599$1,003$613$368$26
39 years$2,382$1,521$940$565$334$22
40 years$2,297$1,447$881$522$303$18
41 years$2,216$1,377$826$481$275$15
42 years$2,139$1,312$775$444$249$13
43 years$2,066$1,250$727$410$226$10
44 years$1,996$1,191$682$379$205$9
45 years$1,930$1,136$641$350$186$7
46 years$1,866$1,084$602$323$169$6
47 years$1,806$1,034$565$298$154$5
48 years$1,748$987$531$276$140$4
49 years$1,693$943$499$255$127$4
50 years$1,640$901$469$235$115$3

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 $4,411 every year, while hoping to spend $32,005 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: 40/42/18 Blend
34$1,680,000$1,680,000$1,680,000$1,680,000
35$1,855,910$1,766,870$1,740,830$1,920,073
36$2,011,160$1,819,394$1,765,095$2,018,764
37$2,181,172$1,873,418$1,789,100$2,122,045
38$2,367,420$1,928,983$1,812,802$2,233,108
39$2,571,523$1,986,130$1,836,158$2,352,676
40$2,795,267$2,044,900$1,859,118$2,481,546
41$3,040,620$2,105,335$1,881,633$2,620,594
42$3,309,745$2,167,478$1,903,650$2,770,784
43$3,605,029$2,231,375$1,925,113$2,933,177
44$3,929,100$2,297,070$1,945,962$3,108,939
45$4,284,851$2,364,609$1,966,134$3,299,356
46$4,675,470$2,434,039$1,985,564$3,505,841
47$5,104,470$2,505,409$2,004,183$3,729,950
48$5,575,719$2,578,767$2,021,916$3,973,398
49$6,093,479$2,654,164$2,038,687$4,238,069
50$6,662,445$2,731,649$2,054,414$4,526,042
51$7,287,790$2,811,276$2,069,013$4,839,604
52$7,975,213$2,893,096$2,082,392$5,181,272
53$8,730,990$2,977,163$2,094,458$5,553,820
54$9,562,039$3,063,532$2,105,111$5,960,303
55$10,475,981$3,152,259$2,114,246$6,404,086
56$11,481,211$3,243,400$2,121,753$6,888,873
57$12,586,980$3,337,012$2,127,517$7,418,746
58$13,803,480$3,433,153$2,131,417$7,998,202
59$15,141,941$3,531,884$2,133,325$8,632,192
60$16,614,735$3,633,263$2,133,108$9,326,172
61$18,235,497$3,737,351$2,130,626$10,086,154
62$20,019,247$3,844,211$2,125,731$10,918,758
63$21,982,537$3,953,904$2,118,270$11,831,279
64$24,143,605$4,066,494$2,108,081$12,831,754
65$26,522,545$4,182,045$2,094,995$13,929,038
66$29,141,501$4,300,621$2,078,833$15,132,887
67$32,024,870$4,422,288$2,059,410$16,454,050
68$35,199,537$4,547,110$2,036,530$17,904,370
69$38,695,126$4,675,155$2,009,991$19,496,898
70$42,544,280$4,806,489$1,979,577$21,246,012
71$46,782,969$4,941,180$1,945,065$23,167,555
72$51,450,829$5,079,294$1,906,221$25,278,986
73$56,591,533$5,220,899$1,862,800$27,599,540
74$62,253,211$5,366,064$1,814,544$30,150,415
75$68,488,893$5,514,857$1,761,187$32,954,968
76$75,357,020$5,667,344$1,702,446$36,038,936
77$82,921,987$5,823,595$1,638,029$39,430,681
78$91,254,755$5,983,676$1,567,628$43,161,454
79$100,433,519$6,147,655$1,490,922$47,265,696
80$110,544,446$6,315,599$1,407,577$51,781,355
81$121,682,489$6,487,573$1,317,240$56,750,250
82$133,952,282$6,663,643$1,219,547$62,218,466
83$147,469,126$6,843,873$1,114,113$68,236,784
84$162,360,080$7,028,326$1,000,539$74,861,165
85$178,765,159$7,217,064$878,407$82,153,278
86$196,838,652$7,410,147$747,281$90,181,080
87$216,750,584$7,607,634$606,705$99,019,458
88$238,688,317$7,809,581$456,202$108,750,938
89$262,858,317$8,016,043$295,277$119,466,463
90$289,488,107$8,227,070$123,410$131,266,251
91$318,828,410$8,442,713$0$144,260,742
92$351,155,519$8,663,016$0$158,583,164
93$386,773,900$8,888,023$0$174,382,158
94$426,019,073$9,117,770$0$191,781,907
95$469,260,771$9,352,295$0$210,945,405
96$516,906,437$9,591,624$0$232,052,266
97$569,405,065$9,835,785$0$255,300,415
98$627,251,439$10,084,796$0$280,907,962
99$690,990,806$10,338,671$0$309,115,257
100$761,224,019$10,597,417$0$340,187,158