Can I retire at age 35 with 1,690,000?

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 $1,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$139,559$138,316$137,103$135,919$134,763$130,345
2 years$69,088$67,802$66,555$65,346$64,173$59,764
3 years$45,601$44,309$43,065$41,868$40,714$36,452
4 years$33,860$32,572$31,341$30,163$29,037$24,956
5 years$26,817$25,537$24,322$23,168$22,074$18,183
6 years$22,124$20,853$19,655$18,528$17,466$13,770
7 years$18,772$17,512$16,334$15,233$14,205$10,702
8 years$16,260$15,011$13,852$12,778$11,784$8,473
9 years$14,307$13,070$11,931$10,884$9,924$6,800
10 years$12,745$11,520$10,402$9,382$8,456$5,514
11 years$11,469$10,256$9,157$8,166$7,272$4,508
12 years$10,405$9,205$8,127$7,162$6,302$3,708
13 years$9,507$8,319$7,261$6,323$5,495$3,066
14 years$8,737$7,562$6,524$5,613$4,817$2,545
15 years$8,070$6,908$5,890$5,006$4,241$2,120
16 years$7,487$6,338$5,340$4,482$3,749$1,771
17 years$6,974$5,837$4,860$4,027$3,324$1,482
18 years$6,518$5,393$4,436$3,629$2,955$1,243
19 years$6,110$4,999$4,061$3,279$2,634$1,044
20 years$5,744$4,645$3,727$2,970$2,353$878
21 years$5,413$4,327$3,428$2,696$2,106$739
22 years$5,112$4,039$3,160$2,451$1,887$623
23 years$4,838$3,777$2,917$2,232$1,694$526
24 years$4,587$3,539$2,698$2,036$1,523$443
25 years$4,357$3,321$2,499$1,859$1,370$374
26 years$4,145$3,121$2,318$1,700$1,234$316
27 years$3,949$2,938$2,152$1,556$1,113$267
28 years$3,767$2,768$2,001$1,426$1,004$226
29 years$3,598$2,611$1,862$1,307$907$191
30 years$3,440$2,466$1,734$1,200$819$162
31 years$3,293$2,331$1,617$1,102$741$137
32 years$3,156$2,206$1,508$1,013$670$116
33 years$3,027$2,089$1,408$931$606$98
34 years$2,905$1,980$1,316$857$549$83
35 years$2,791$1,878$1,230$789$497$70
36 years$2,684$1,782$1,151$726$451$59
37 years$2,583$1,693$1,077$669$408$50
38 years$2,487$1,609$1,009$617$370$42
39 years$2,396$1,530$945$569$336$36
40 years$2,310$1,456$886$525$304$30
41 years$2,229$1,386$831$484$276$26
42 years$2,152$1,320$779$447$251$22
43 years$2,078$1,257$731$412$227$18
44 years$2,008$1,198$686$381$206$16
45 years$1,941$1,143$644$352$187$13
46 years$1,878$1,090$605$325$170$11
47 years$1,817$1,040$569$300$155$9
48 years$1,759$993$534$277$140$8
49 years$1,703$948$502$256$127$7
50 years$1,650$906$472$237$116$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,690,000, adding $6,884 every year, while hoping to spend $45,954 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: 69/18/13 Blend
34$1,690,000$1,690,000$1,690,000$1,690,000
35$1,869,481$1,779,911$1,753,716$1,992,626
36$2,011,273$1,818,232$1,763,571$2,113,680
37$2,165,988$1,856,890$1,772,215$2,239,912
38$2,334,895$1,895,854$1,779,561$2,376,823
39$2,519,392$1,935,089$1,785,514$2,525,456
40$2,721,018$1,974,555$1,789,976$2,686,960
41$2,941,465$2,014,212$1,792,844$2,862,603
42$3,182,600$2,054,014$1,794,009$3,053,779
43$3,446,475$2,093,911$1,793,359$3,262,026
44$3,735,352$2,133,849$1,790,772$3,489,035
45$4,051,720$2,173,770$1,786,126$3,736,674
46$4,398,322$2,213,611$1,779,287$4,006,997
47$4,778,177$2,253,304$1,770,120$4,302,270
48$5,194,611$2,292,775$1,758,478$4,624,988
49$5,651,286$2,331,947$1,744,213$4,977,901
50$6,152,238$2,370,732$1,727,164$5,364,040
51$6,701,908$2,409,041$1,707,166$5,786,744
52$7,305,193$2,446,774$1,684,047$6,249,693
53$7,967,483$2,483,826$1,657,622$6,756,942
54$8,694,717$2,520,084$1,627,704$7,312,961
55$9,493,437$2,555,427$1,594,091$7,922,674
56$10,370,851$2,589,726$1,556,576$8,591,510
57$11,334,896$2,622,841$1,514,940$9,325,449
58$12,394,321$2,654,625$1,468,955$10,131,084
59$13,558,759$2,684,920$1,418,382$11,015,680
60$14,838,827$2,713,555$1,362,973$11,987,243
61$16,246,219$2,740,351$1,302,464$13,054,597
62$17,793,821$2,765,117$1,236,585$14,227,467
63$19,495,830$2,787,646$1,165,049$15,516,571
64$21,367,884$2,807,720$1,087,558$16,933,720
65$23,427,218$2,825,108$1,003,801$18,491,933
66$25,692,818$2,839,562$913,452$20,205,557
67$28,185,604$2,850,819$816,171$22,090,403
68$30,928,626$2,858,600$711,603$24,163,898
69$33,947,280$2,862,606$599,377$26,445,249
70$37,269,552$2,862,523$479,105$28,955,621
71$40,926,274$2,858,014$350,383$31,718,343
72$44,951,422$2,848,724$212,788$34,759,125
73$49,382,430$2,834,275$65,880$38,106,302
74$54,260,550$2,814,266$0$41,791,103
75$59,631,232$2,788,272$0$45,860,552
76$65,544,562$2,755,841$0$50,350,544
77$72,055,726$2,716,496$0$55,293,803
78$79,225,535$2,669,730$0$60,736,473
79$87,120,999$2,615,006$0$66,729,405
80$95,815,956$2,551,756$0$73,328,637
81$105,391,770$2,479,378$0$80,595,922
82$115,938,098$2,397,236$0$88,599,313
83$127,553,738$2,304,654$0$97,413,805
84$140,347,556$2,200,919$0$107,122,045
85$154,439,519$2,085,276$0$117,815,110
86$169,961,822$1,956,926$0$129,593,366
87$187,060,138$1,815,026$0$142,567,421
88$205,894,992$1,658,683$0$156,859,166
89$226,643,275$1,486,952$0$172,602,927
90$249,499,913$1,298,837$0$189,946,733
91$274,679,708$1,093,283$0$209,053,715
92$302,419,362$869,178$0$230,103,647
93$332,979,714$625,344$0$253,294,642
94$366,648,199$360,541$0$278,845,026
95$403,741,563$73,455$0$306,995,398
96$444,608,851$0$0$338,010,903
97$489,634,700$0$0$372,230,736
98$539,242,972$0$0$409,949,426
99$593,900,752$0$0$451,507,584
100$654,122,757$0$0$497,296,589