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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.2%
1 years$138,733$137,497$136,291$135,115$133,966$132,182
2 years$68,680$67,401$66,161$64,959$63,793$61,999
3 years$45,332$44,047$42,810$41,620$40,473$38,724
4 years$33,660$32,379$31,155$29,985$28,866$27,176
5 years$26,659$25,386$24,178$23,031$21,943$20,317
6 years$21,993$20,729$19,539$18,418$17,363$15,802
7 years$18,661$17,408$16,237$15,143$14,121$12,626
8 years$16,164$14,922$13,770$12,703$11,714$10,286
9 years$14,222$12,993$11,860$10,820$9,865$8,502
10 years$12,670$11,452$10,340$9,327$8,406$7,107
11 years$11,401$10,195$9,103$8,117$7,229$5,993
12 years$10,344$9,151$8,079$7,120$6,265$5,091
13 years$9,450$8,270$7,218$6,286$5,463$4,349
14 years$8,685$7,517$6,485$5,580$4,789$3,733
15 years$8,022$6,867$5,855$4,976$4,216$3,218
16 years$7,443$6,300$5,309$4,456$3,726$2,783
17 years$6,932$5,802$4,831$4,003$3,304$2,413
18 years$6,479$5,361$4,410$3,608$2,938$2,098
19 years$6,074$4,969$4,037$3,260$2,619$1,828
20 years$5,710$4,617$3,705$2,953$2,339$1,595
21 years$5,381$4,301$3,408$2,680$2,093$1,394
22 years$5,082$4,015$3,141$2,436$1,876$1,220
23 years$4,810$3,755$2,900$2,219$1,684$1,069
24 years$4,560$3,518$2,682$2,024$1,514$938
25 years$4,331$3,302$2,484$1,848$1,362$823
26 years$4,120$3,103$2,304$1,690$1,227$723
27 years$3,925$2,920$2,139$1,547$1,106$636
28 years$3,744$2,752$1,989$1,417$998$559
29 years$3,576$2,596$1,851$1,300$901$492
30 years$3,420$2,452$1,724$1,193$814$434
31 years$3,274$2,318$1,607$1,095$736$382
32 years$3,137$2,193$1,500$1,007$666$336
33 years$3,009$2,077$1,400$926$603$297
34 years$2,888$1,968$1,308$852$546$261
35 years$2,775$1,867$1,223$784$494$231
36 years$2,668$1,772$1,144$722$448$203
37 years$2,567$1,683$1,071$665$406$179
38 years$2,472$1,599$1,003$613$368$158
39 years$2,382$1,521$940$565$334$140
40 years$2,297$1,447$881$522$303$123
41 years$2,216$1,377$826$481$275$109
42 years$2,139$1,312$775$444$249$96
43 years$2,066$1,250$727$410$226$85
44 years$1,996$1,191$682$379$205$75
45 years$1,930$1,136$641$350$186$66
46 years$1,866$1,084$602$323$169$58
47 years$1,806$1,034$565$298$154$52
48 years$1,748$987$531$276$140$46
49 years$1,693$943$499$255$127$40
50 years$1,640$901$469$235$115$36

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 $4,946 every year, while hoping to spend $39,450 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: 57/17/26 Blend
34$1,680,000$1,680,000$1,680,000$1,680,000
35$1,856,462$1,767,422$1,741,382$1,948,845
36$2,003,846$1,812,051$1,757,744$2,057,318
37$2,164,942$1,857,545$1,773,331$2,170,910
38$2,341,106$1,903,904$1,788,077$2,293,897
39$2,533,831$1,951,128$1,801,911$2,427,200
40$2,744,763$1,999,215$1,814,756$2,571,831
41$2,975,714$2,048,161$1,826,535$2,728,907
42$3,228,677$2,097,962$1,837,165$2,899,657
43$3,505,851$2,148,610$1,846,558$3,085,436
44$3,809,653$2,200,097$1,854,623$3,287,739
45$4,142,748$2,252,412$1,861,264$3,508,210
46$4,508,071$2,305,544$1,866,379$3,748,665
47$4,908,854$2,359,475$1,869,862$4,011,102
48$5,348,658$2,414,190$1,871,603$4,297,725
49$5,831,403$2,469,667$1,871,483$4,610,962
50$6,361,409$2,525,883$1,869,381$4,953,489
51$6,943,434$2,582,814$1,865,167$5,328,256
52$7,582,721$2,640,428$1,858,707$5,738,514
53$8,285,044$2,698,694$1,849,859$6,187,847
54$9,056,763$2,757,574$1,838,473$6,680,204
55$9,904,886$2,817,029$1,824,396$7,219,938
56$10,837,135$2,877,014$1,807,464$7,811,848
57$11,862,015$2,937,480$1,787,506$8,461,220
58$12,988,897$2,998,372$1,764,343$9,173,885
59$14,228,104$3,059,633$1,737,789$9,956,267
60$15,591,012$3,121,197$1,707,647$10,815,446
61$17,090,154$3,182,994$1,673,711$11,759,228
62$18,739,337$3,244,948$1,635,768$12,796,214
63$20,553,776$3,306,976$1,593,593$13,935,887
64$22,550,233$3,368,990$1,546,949$15,188,696
65$24,747,177$3,430,891$1,495,593$16,566,160
66$27,164,959$3,492,575$1,439,265$18,080,975
67$29,826,003$3,553,929$1,377,699$19,747,132
68$32,755,015$3,614,831$1,310,611$21,580,056
69$35,979,219$3,675,151$1,237,710$23,596,743
70$39,528,613$3,734,746$1,158,686$25,815,929
71$43,436,249$3,793,467$1,073,220$28,258,263
72$47,738,550$3,851,149$980,976$30,946,504
73$52,475,646$3,907,621$881,603$33,905,736
74$57,691,762$3,962,693$774,736$37,163,604
75$63,435,624$4,016,168$659,993$40,750,581
76$69,760,929$4,067,831$536,973$44,700,247
77$76,726,843$4,117,454$405,261$49,049,617
78$84,398,564$4,164,793$264,421$53,839,483
79$92,847,937$4,209,587$113,999$59,114,806
80$102,154,129$4,251,559$0$64,925,138
81$112,404,377$4,290,413$0$71,337,997
82$123,694,812$4,325,831$0$78,435,254
83$136,131,365$4,357,479$0$86,251,728
84$149,830,766$4,384,997$0$94,860,678
85$164,921,647$4,408,005$0$104,342,833
86$181,545,754$4,426,097$0$114,787,156
87$199,859,287$4,438,841$0$126,291,685
88$220,034,369$4,445,780$0$138,964,454
89$242,260,678$4,446,425$0$152,924,519
90$266,747,228$4,440,261$0$168,303,077
91$293,724,348$4,426,737$0$185,244,708
92$323,445,856$4,405,271$0$203,908,739
93$356,191,448$4,375,245$0$224,470,748
94$392,269,346$4,336,002$0$247,124,221
95$432,019,200$4,286,846$0$272,082,382
96$475,815,298$4,227,041$0$299,580,203
97$524,070,097$4,155,805$0$329,876,624
98$577,238,117$4,072,310$0$363,256,998
99$635,820,231$3,975,679$0$400,035,784
100$700,368,391$3,864,984$0$440,559,519