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%18.8%
1 years$138,733$137,497$136,291$135,115$133,966$129,212
2 years$68,680$67,401$66,161$64,959$63,793$59,055
3 years$45,332$44,047$42,810$41,620$40,473$35,899
4 years$33,660$32,379$31,155$29,985$28,866$24,490
5 years$26,659$25,386$24,178$23,031$21,943$17,778
6 years$21,993$20,729$19,539$18,418$17,363$13,412
7 years$18,661$17,408$16,237$15,143$14,121$10,382
8 years$16,164$14,922$13,770$12,703$11,714$8,186
9 years$14,222$12,993$11,860$10,820$9,865$6,541
10 years$12,670$11,452$10,340$9,327$8,406$5,281
11 years$11,401$10,195$9,103$8,117$7,229$4,298
12 years$10,344$9,151$8,079$7,120$6,265$3,519
13 years$9,450$8,270$7,218$6,286$5,463$2,896
14 years$8,685$7,517$6,485$5,580$4,789$2,392
15 years$8,022$6,867$5,855$4,976$4,216$1,983
16 years$7,443$6,300$5,309$4,456$3,726$1,648
17 years$6,932$5,802$4,831$4,003$3,304$1,372
18 years$6,479$5,361$4,410$3,608$2,938$1,145
19 years$6,074$4,969$4,037$3,260$2,619$957
20 years$5,710$4,617$3,705$2,953$2,339$800
21 years$5,381$4,301$3,408$2,680$2,093$670
22 years$5,082$4,015$3,141$2,436$1,876$562
23 years$4,810$3,755$2,900$2,219$1,684$471
24 years$4,560$3,518$2,682$2,024$1,514$395
25 years$4,331$3,302$2,484$1,848$1,362$332
26 years$4,120$3,103$2,304$1,690$1,227$279
27 years$3,925$2,920$2,139$1,547$1,106$234
28 years$3,744$2,752$1,989$1,417$998$197
29 years$3,576$2,596$1,851$1,300$901$165
30 years$3,420$2,452$1,724$1,193$814$139
31 years$3,274$2,318$1,607$1,095$736$117
32 years$3,137$2,193$1,500$1,007$666$98
33 years$3,009$2,077$1,400$926$603$83
34 years$2,888$1,968$1,308$852$546$70
35 years$2,775$1,867$1,223$784$494$59
36 years$2,668$1,772$1,144$722$448$49
37 years$2,567$1,683$1,071$665$406$41
38 years$2,472$1,599$1,003$613$368$35
39 years$2,382$1,521$940$565$334$29
40 years$2,297$1,447$881$522$303$25
41 years$2,216$1,377$826$481$275$21
42 years$2,139$1,312$775$444$249$18
43 years$2,066$1,250$727$410$226$15
44 years$1,996$1,191$682$379$205$12
45 years$1,930$1,136$641$350$186$10
46 years$1,866$1,084$602$323$169$9
47 years$1,806$1,034$565$298$154$7
48 years$1,748$987$531$276$140$6
49 years$1,693$943$499$255$127$5
50 years$1,640$901$469$235$115$4

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 $3,503 every year, while hoping to spend $26,309 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: 60/21/19 Blend
34$1,680,000$1,680,000$1,680,000$1,680,000
35$1,854,973$1,765,933$1,739,893$1,956,899
36$2,016,188$1,824,472$1,770,187$2,084,799
37$2,192,965$1,884,996$1,800,614$2,221,060
38$2,386,863$1,947,577$1,831,151$2,369,119
39$2,599,601$2,012,286$1,861,772$2,530,122
40$2,833,071$2,079,199$1,892,452$2,705,332
41$3,089,356$2,148,391$1,923,161$2,896,138
42$3,370,753$2,219,945$1,953,869$3,104,070
43$3,679,790$2,293,942$1,984,544$3,330,812
44$4,019,253$2,370,470$2,015,151$3,578,219
45$4,392,211$2,449,618$2,045,653$3,848,332
46$4,802,046$2,531,478$2,076,011$4,143,400
47$5,252,481$2,616,147$2,106,184$4,465,897
48$5,747,620$2,703,724$2,136,127$4,818,552
49$6,291,984$2,794,313$2,165,794$5,204,367
50$6,890,554$2,888,022$2,195,136$5,626,649
51$7,548,816$2,984,961$2,224,099$6,089,040
52$8,272,817$3,085,246$2,252,628$6,595,553
53$9,069,218$3,188,997$2,280,665$7,150,606
54$9,945,358$3,296,337$2,308,147$7,759,069
55$10,909,324$3,407,397$2,335,008$8,426,303
56$11,970,024$3,522,308$2,361,180$9,158,215
57$13,137,276$3,641,211$2,386,589$9,961,312
58$14,421,896$3,764,249$2,411,159$10,842,763
59$15,835,804$3,891,571$2,434,806$11,810,466
60$17,392,130$4,023,332$2,457,447$12,873,120
61$19,105,345$4,159,693$2,478,989$14,040,312
62$20,991,394$4,300,822$2,499,339$15,322,602
63$23,067,845$4,446,891$2,518,395$16,731,624
64$25,354,057$4,598,080$2,536,053$18,280,199
65$27,871,361$4,754,576$2,552,201$19,982,449
66$30,643,262$4,916,573$2,566,722$21,853,937
67$33,695,662$5,084,272$2,579,495$23,911,808
68$37,057,100$5,257,882$2,590,388$26,174,954
69$40,759,026$5,437,620$2,599,268$28,664,191
70$44,836,095$5,623,711$2,605,992$31,402,454
71$49,326,493$5,816,390$2,610,409$34,415,016
72$54,272,301$6,015,899$2,612,364$37,729,721
73$59,719,889$6,222,491$2,611,691$41,377,254
74$65,720,353$6,436,428$2,608,218$45,391,423
75$72,329,999$6,657,983$2,601,763$49,809,483
76$79,610,873$6,887,438$2,592,136$54,672,483
77$87,631,347$7,125,088$2,579,138$60,025,658
78$96,466,765$7,371,238$2,562,560$65,918,850
79$106,200,152$7,626,205$2,542,182$72,406,983
80$116,922,998$7,890,320$2,517,776$79,550,579
81$128,736,123$8,163,925$2,489,101$87,416,327
82$141,750,627$8,447,376$2,455,905$96,077,717
83$156,088,938$8,741,045$2,417,924$105,615,728
84$171,885,968$9,045,315$2,374,884$116,119,596
85$189,290,388$9,360,587$2,326,494$127,687,652
86$208,466,029$9,687,276$2,272,452$140,428,254
87$229,593,428$10,025,817$2,212,443$154,460,807
88$252,871,533$10,376,657$2,146,136$169,916,890
89$278,519,581$10,740,266$2,073,183$186,941,498
90$306,779,168$11,117,128$1,993,224$205,694,410
91$337,916,526$11,507,750$1,905,880$226,351,696
92$372,225,040$11,912,658$1,810,756$249,107,382
93$410,028,015$12,332,399$1,707,437$274,175,275
94$451,681,728$12,767,542$1,595,491$301,790,988
95$497,578,791$13,218,679$1,474,467$332,214,157
96$548,151,859$13,686,426$1,343,893$365,730,897
97$603,877,711$14,171,423$1,203,276$402,656,500
98$665,281,753$14,674,338$1,052,101$443,338,409
99$732,942,974$15,195,863$889,829$488,159,500
100$807,499,419$15,736,722$715,900$537,541,698