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%11.7%
1 years$139,559$138,316$137,103$135,919$134,763$133,802
2 years$69,088$67,802$66,555$65,346$64,173$63,203
3 years$45,601$44,309$43,065$41,868$40,714$39,766
4 years$33,860$32,572$31,341$30,163$29,037$28,119
5 years$26,817$25,537$24,322$23,168$22,074$21,188
6 years$22,124$20,853$19,655$18,528$17,466$16,613
7 years$18,772$17,512$16,334$15,233$14,205$13,385
8 years$16,260$15,011$13,852$12,778$11,784$10,998
9 years$14,307$13,070$11,931$10,884$9,924$9,171
10 years$12,745$11,520$10,402$9,382$8,456$7,736
11 years$11,469$10,256$9,157$8,166$7,272$6,585
12 years$10,405$9,205$8,127$7,162$6,302$5,646
13 years$9,507$8,319$7,261$6,323$5,495$4,871
14 years$8,737$7,562$6,524$5,613$4,817$4,223
15 years$8,070$6,908$5,890$5,006$4,241$3,677
16 years$7,487$6,338$5,340$4,482$3,749$3,213
17 years$6,974$5,837$4,860$4,027$3,324$2,816
18 years$6,518$5,393$4,436$3,629$2,955$2,474
19 years$6,110$4,999$4,061$3,279$2,634$2,179
20 years$5,744$4,645$3,727$2,970$2,353$1,923
21 years$5,413$4,327$3,428$2,696$2,106$1,699
22 years$5,112$4,039$3,160$2,451$1,887$1,504
23 years$4,838$3,777$2,917$2,232$1,694$1,333
24 years$4,587$3,539$2,698$2,036$1,523$1,183
25 years$4,357$3,321$2,499$1,859$1,370$1,051
26 years$4,145$3,121$2,318$1,700$1,234$934
27 years$3,949$2,938$2,152$1,556$1,113$831
28 years$3,767$2,768$2,001$1,426$1,004$740
29 years$3,598$2,611$1,862$1,307$907$659
30 years$3,440$2,466$1,734$1,200$819$588
31 years$3,293$2,331$1,617$1,102$741$524
32 years$3,156$2,206$1,508$1,013$670$467
33 years$3,027$2,089$1,408$931$606$417
34 years$2,905$1,980$1,316$857$549$372
35 years$2,791$1,878$1,230$789$497$333
36 years$2,684$1,782$1,151$726$451$297
37 years$2,583$1,693$1,077$669$408$265
38 years$2,487$1,609$1,009$617$370$237
39 years$2,396$1,530$945$569$336$212
40 years$2,310$1,456$886$525$304$190
41 years$2,229$1,386$831$484$276$169
42 years$2,152$1,320$779$447$251$152
43 years$2,078$1,257$731$412$227$136
44 years$2,008$1,198$686$381$206$121
45 years$1,941$1,143$644$352$187$108
46 years$1,878$1,090$605$325$170$97
47 years$1,817$1,040$569$300$155$87
48 years$1,759$993$534$277$140$78
49 years$1,703$948$502$256$127$69
50 years$1,650$906$472$237$116$62

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 $2,333 every year, while hoping to spend $49,737 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: 65/27/8 Blend
34$1,690,000$1,690,000$1,690,000$1,690,000
35$1,864,786$1,775,216$1,749,021$1,982,952
36$2,002,075$1,809,282$1,754,694$2,095,958
37$2,151,700$1,843,350$1,758,889$2,213,267
38$2,314,867$1,877,368$1,761,506$2,340,136
39$2,492,904$1,911,279$1,762,437$2,477,491
40$2,687,270$1,945,023$1,761,569$2,626,352
41$2,899,575$1,978,532$1,758,785$2,787,842
42$3,131,589$2,011,737$1,753,961$2,963,199
43$3,385,260$2,044,561$1,746,968$3,153,787
44$3,662,734$2,076,923$1,737,669$3,361,109
45$3,966,374$2,108,733$1,725,922$3,586,821
46$4,298,782$2,139,899$1,711,578$3,832,747
47$4,662,823$2,170,319$1,694,481$4,100,898
48$5,061,650$2,199,884$1,674,466$4,393,490
49$5,498,740$2,228,480$1,651,361$4,712,965
50$5,977,918$2,255,982$1,624,989$5,062,015
51$6,503,399$2,282,258$1,595,159$5,443,604
52$7,079,824$2,307,167$1,561,676$5,861,002
53$7,712,307$2,330,559$1,524,332$6,317,813
54$8,406,479$2,352,273$1,482,914$6,818,006
55$9,168,543$2,372,138$1,437,195$7,365,958
56$10,005,333$2,389,971$1,386,939$7,966,493
57$10,924,376$2,405,578$1,331,900$8,624,928
58$11,933,963$2,418,753$1,271,820$9,347,123
59$13,043,231$2,429,275$1,206,430$10,139,536
60$14,262,242$2,436,911$1,135,447$11,009,287
61$15,602,083$2,441,412$1,058,576$11,964,223
62$17,074,968$2,442,514$975,511$13,012,992
63$18,694,354$2,439,936$885,930$14,165,129
64$20,475,066$2,433,381$789,497$15,431,140
65$22,433,438$2,422,532$685,860$16,822,607
66$24,587,467$2,407,054$574,655$18,352,296
67$26,956,979$2,386,591$455,496$20,034,277
68$29,563,822$2,360,765$327,987$21,884,060
69$32,432,066$2,329,176$191,708$23,918,739
70$35,588,232$2,291,401$46,226$26,157,154
71$39,061,542$2,246,990$0$28,620,073
72$42,884,193$2,195,466$0$31,339,694
73$47,091,664$2,136,327$0$34,336,753
74$51,723,045$2,069,039$0$37,635,150
75$56,821,410$1,993,036$0$41,265,580
76$62,434,221$1,907,722$0$45,261,871
77$68,613,775$1,812,464$0$49,661,302
78$75,417,698$1,706,592$0$54,504,964
79$82,909,488$1,589,401$0$59,838,138
80$91,159,116$1,460,141$0$65,710,733
81$100,243,681$1,318,023$0$72,177,752
82$110,248,141$1,162,211$0$79,299,813
83$121,266,113$991,821$0$87,143,724
84$133,400,758$805,921$0$95,783,114
85$146,765,749$603,526$0$105,299,129
86$161,486,350$383,593$0$115,781,201
87$177,700,593$145,025$0$127,327,889
88$195,560,582$0$0$140,047,819
89$215,233,928$0$0$154,094,376
90$236,905,328$0$0$169,615,153
91$260,778,315$0$0$186,712,849
92$287,077,168$0$0$205,548,114
93$316,049,037$0$0$226,297,978
94$347,966,272$0$0$249,157,523
95$383,128,992$0$0$274,341,722
96$421,867,920$0$0$302,087,468
97$464,547,501$0$0$332,655,811
98$511,569,344$0$0$366,334,422
99$563,376,013$0$0$403,440,303
100$620,455,199$0$0$444,322,787