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

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 $1,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$139,559$138,316$137,103$135,919$134,763$131,133
2 years$69,088$67,802$66,555$65,346$64,173$60,541
3 years$45,601$44,309$43,065$41,868$40,714$37,195
4 years$33,860$32,572$31,341$30,163$29,037$25,658
5 years$26,817$25,537$24,322$23,168$22,074$18,843
6 years$22,124$20,853$19,655$18,528$17,466$14,387
7 years$18,772$17,512$16,334$15,233$14,205$11,278
8 years$16,260$15,011$13,852$12,778$11,784$9,008
9 years$14,307$13,070$11,931$10,884$9,924$7,296
10 years$12,745$11,520$10,402$9,382$8,456$5,972
11 years$11,469$10,256$9,157$8,166$7,272$4,929
12 years$10,405$9,205$8,127$7,162$6,302$4,095
13 years$9,507$8,319$7,261$6,323$5,495$3,421
14 years$8,737$7,562$6,524$5,613$4,817$2,870
15 years$8,070$6,908$5,890$5,006$4,241$2,416
16 years$7,487$6,338$5,340$4,482$3,749$2,040
17 years$6,974$5,837$4,860$4,027$3,324$1,726
18 years$6,518$5,393$4,436$3,629$2,955$1,464
19 years$6,110$4,999$4,061$3,279$2,634$1,244
20 years$5,744$4,645$3,727$2,970$2,353$1,058
21 years$5,413$4,327$3,428$2,696$2,106$901
22 years$5,112$4,039$3,160$2,451$1,887$768
23 years$4,838$3,777$2,917$2,232$1,694$656
24 years$4,587$3,539$2,698$2,036$1,523$560
25 years$4,357$3,321$2,499$1,859$1,370$478
26 years$4,145$3,121$2,318$1,700$1,234$409
27 years$3,949$2,938$2,152$1,556$1,113$350
28 years$3,767$2,768$2,001$1,426$1,004$299
29 years$3,598$2,611$1,862$1,307$907$256
30 years$3,440$2,466$1,734$1,200$819$219
31 years$3,293$2,331$1,617$1,102$741$188
32 years$3,156$2,206$1,508$1,013$670$161
33 years$3,027$2,089$1,408$931$606$138
34 years$2,905$1,980$1,316$857$549$118
35 years$2,791$1,878$1,230$789$497$101
36 years$2,684$1,782$1,151$726$451$87
37 years$2,583$1,693$1,077$669$408$74
38 years$2,487$1,609$1,009$617$370$64
39 years$2,396$1,530$945$569$336$55
40 years$2,310$1,456$886$525$304$47
41 years$2,229$1,386$831$484$276$40
42 years$2,152$1,320$779$447$251$34
43 years$2,078$1,257$731$412$227$30
44 years$2,008$1,198$686$381$206$25
45 years$1,941$1,143$644$352$187$22
46 years$1,878$1,090$605$325$170$19
47 years$1,817$1,040$569$300$155$16
48 years$1,759$993$534$277$140$14
49 years$1,703$948$502$256$127$12
50 years$1,650$906$472$237$116$10

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 $4,104 every year, while hoping to spend $57,770 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: 32/50/18 Blend
34$1,690,000$1,690,000$1,690,000$1,690,000
35$1,866,613$1,777,043$1,750,848$1,915,745
36$1,995,541$1,802,652$1,748,035$1,978,268
37$2,135,683$1,827,578$1,743,191$2,039,983
38$2,288,123$1,851,730$1,736,188$2,105,230
39$2,454,051$1,875,004$1,726,890$2,174,351
40$2,634,779$1,897,294$1,715,155$2,247,725
41$2,831,749$1,918,484$1,700,835$2,325,773
42$3,046,549$1,938,451$1,683,775$2,408,962
43$3,280,926$1,957,065$1,663,811$2,497,810
44$3,536,805$1,974,185$1,640,773$2,592,888
45$3,816,301$1,989,663$1,614,481$2,694,833
46$4,121,747$2,003,339$1,584,749$2,804,350
47$4,455,707$2,015,045$1,551,381$2,922,217
48$4,821,009$2,024,601$1,514,171$3,049,299
49$5,220,762$2,031,817$1,472,906$3,186,553
50$5,658,392$2,036,488$1,427,360$3,335,039
51$6,137,671$2,038,399$1,377,300$3,495,931
52$6,662,753$2,037,321$1,322,480$3,670,527
53$7,238,214$2,033,010$1,262,643$3,860,265
54$7,869,092$2,025,207$1,197,521$4,066,738
55$8,560,935$2,013,638$1,126,834$4,291,705
56$9,319,855$1,998,011$1,050,288$4,537,116
57$10,152,586$1,978,019$967,578$4,805,125
58$11,066,541$1,953,334$878,383$5,098,116
59$12,069,889$1,923,608$782,370$5,418,726
60$13,171,627$1,888,474$679,189$5,769,870
61$14,381,667$1,847,543$568,475$6,154,772
62$15,710,927$1,800,402$449,849$6,576,994
63$17,171,434$1,746,615$322,912$7,040,476
64$18,776,440$1,685,718$187,249$7,549,570
65$20,540,542$1,617,224$42,427$8,109,088
66$22,479,824$1,540,614$0$8,724,346
67$24,612,002$1,455,341$0$9,422,751
68$26,956,599$1,360,825$0$10,199,354
69$29,535,121$1,256,455$0$11,053,260
70$32,371,265$1,141,582$0$11,992,485
71$35,491,137$1,015,522$0$13,025,876
72$38,923,503$877,553$0$14,163,196
73$42,700,057$726,910$0$15,415,221
74$46,855,720$562,786$0$16,793,842
75$51,428,968$384,327$0$18,312,178
76$56,462,198$190,634$0$19,984,706
77$62,002,123$0$0$21,827,402
78$68,100,214$0$0$23,868,475
79$74,813,188$0$0$26,231,127
80$82,203,538$0$0$28,832,504
81$90,340,125$0$0$31,696,884
82$99,298,826$0$0$34,851,019
83$109,163,251$0$0$38,324,390
84$120,025,530$0$0$42,149,479
85$131,987,181$0$0$46,362,082
86$145,160,071$0$0$51,001,641
87$159,667,466$0$0$56,111,619
88$175,645,200$0$0$61,739,911
89$193,242,950$0$0$67,939,294
90$212,625,651$0$0$74,767,924
91$233,975,053$0$0$82,289,887
92$257,491,434$0$0$90,575,803
93$283,395,490$0$0$99,703,491
94$311,930,418$0$0$109,758,705
95$343,364,209$0$0$120,835,943
96$377,992,178$0$0$133,039,338
97$416,139,752$0$0$146,483,640
98$458,165,539$0$0$161,295,301
99$504,464,711$0$0$177,613,667
100$555,472,736$0$0$195,592,293