Can I retire at age 35 with 1,700,000?

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$140,384$139,134$137,914$136,723$135,560$130,336
2 years$69,497$68,203$66,949$65,732$64,553$59,352
3 years$45,871$44,571$43,320$42,115$40,955$35,941
4 years$34,061$32,765$31,526$30,342$29,209$24,420
5 years$26,976$25,688$24,465$23,305$22,204$17,653
6 years$22,255$20,976$19,772$18,637$17,570$13,258
7 years$18,883$17,616$16,430$15,323$14,289$10,217
8 years$16,356$15,100$13,934$12,854$11,854$8,017
9 years$14,392$13,147$12,002$10,949$9,983$6,375
10 years$12,821$11,589$10,463$9,438$8,506$5,121
11 years$11,537$10,317$9,212$8,214$7,315$4,146
12 years$10,467$9,260$8,175$7,205$6,339$3,376
13 years$9,563$8,368$7,304$6,361$5,528$2,763
14 years$8,788$7,606$6,563$5,646$4,846$2,270
15 years$8,118$6,949$5,925$5,035$4,267$1,871
16 years$7,532$6,375$5,372$4,509$3,771$1,546
17 years$7,015$5,871$4,888$4,051$3,343$1,280
18 years$6,556$5,425$4,462$3,651$2,973$1,061
19 years$6,146$5,028$4,085$3,299$2,650$881
20 years$5,778$4,672$3,749$2,988$2,367$733
21 years$5,445$4,352$3,448$2,712$2,118$610
22 years$5,142$4,063$3,178$2,465$1,899$508
23 years$4,867$3,800$2,935$2,245$1,704$423
24 years$4,615$3,560$2,714$2,048$1,532$353
25 years$4,383$3,341$2,514$1,870$1,378$294
26 years$4,169$3,140$2,331$1,710$1,242$246
27 years$3,972$2,955$2,165$1,565$1,119$205
28 years$3,789$2,784$2,013$1,434$1,010$171
29 years$3,619$2,627$1,873$1,315$912$143
30 years$3,460$2,481$1,744$1,207$824$120
31 years$3,313$2,345$1,626$1,108$745$100
32 years$3,174$2,219$1,517$1,019$674$83
33 years$3,044$2,101$1,417$937$610$70
34 years$2,923$1,992$1,324$862$552$58
35 years$2,808$1,889$1,238$793$500$49
36 years$2,700$1,793$1,158$731$453$41
37 years$2,598$1,703$1,084$673$411$34
38 years$2,502$1,618$1,015$621$372$28
39 years$2,411$1,539$951$572$338$24
40 years$2,324$1,464$891$528$306$20
41 years$2,242$1,394$836$487$278$17
42 years$2,164$1,327$784$449$252$14
43 years$2,090$1,265$736$415$229$12
44 years$2,020$1,206$690$383$208$10
45 years$1,953$1,150$648$354$189$8
46 years$1,889$1,097$609$327$171$7
47 years$1,828$1,047$572$302$155$6
48 years$1,769$999$538$279$141$5
49 years$1,713$954$505$258$128$4
50 years$1,660$911$475$238$116$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,700,000, adding $3,384 every year, while hoping to spend $33,911 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: 72/19/9 Blend
34$1,700,000$1,700,000$1,700,000$1,700,000
35$1,876,891$1,786,791$1,760,441$2,008,773
36$2,032,252$1,838,262$1,783,334$2,147,826
37$2,202,325$1,891,120$1,805,858$2,295,495
38$2,388,572$1,945,394$1,827,965$2,456,246
39$2,592,607$2,001,120$1,849,602$2,631,358
40$2,816,206$2,058,328$1,870,717$2,822,244
41$3,061,326$2,117,053$1,891,253$3,030,457
42$3,330,121$2,177,328$1,911,150$3,257,707
43$3,624,963$2,239,187$1,930,344$3,505,879
44$3,948,468$2,302,666$1,948,769$3,777,047
45$4,303,514$2,367,798$1,966,354$4,073,497
46$4,693,271$2,434,620$1,983,026$4,397,744
47$5,121,234$2,503,165$1,998,707$4,752,560
48$5,591,251$2,573,471$2,013,315$5,140,999
49$6,107,561$2,645,573$2,026,762$5,566,423
50$6,674,833$2,719,507$2,038,960$6,032,535
51$7,298,212$2,795,310$2,049,811$6,543,417
52$7,983,366$2,873,016$2,059,217$7,103,564
53$8,736,539$2,952,664$2,067,070$7,717,926
54$9,564,610$3,034,289$2,073,261$8,391,961
55$10,475,159$3,117,927$2,077,673$9,131,677
56$11,476,534$3,203,614$2,080,185$9,943,696
57$12,577,936$3,291,387$2,080,666$10,835,312
58$13,789,501$3,381,281$2,078,985$11,814,564
59$15,122,398$3,473,331$2,074,998$12,890,306
60$16,588,930$3,567,572$2,068,558$14,072,294
61$18,202,656$3,664,038$2,059,510$15,371,279
62$19,978,514$3,762,763$2,047,691$16,799,105
63$21,932,964$3,863,780$2,032,930$18,368,824
64$24,084,143$3,967,121$2,015,049$20,094,814
65$26,452,033$4,072,818$1,993,861$21,992,920
66$29,058,654$4,180,900$1,969,169$24,080,602
67$31,928,269$4,291,396$1,940,768$26,377,098
68$35,087,611$4,404,333$1,908,443$28,903,604
69$38,566,141$4,519,739$1,871,969$31,683,480
70$42,396,317$4,637,636$1,831,110$34,742,465
71$46,613,909$4,758,048$1,785,620$38,108,919
72$51,258,331$4,880,995$1,735,241$41,814,096
73$56,373,012$5,006,495$1,679,703$45,892,433
74$62,005,810$5,134,564$1,618,724$50,381,881
75$68,209,460$5,265,215$1,552,009$55,324,257
76$75,042,073$5,398,459$1,479,249$60,765,641
77$82,567,682$5,534,301$1,400,122$66,756,812
78$90,856,850$5,672,747$1,314,290$73,353,727
79$99,987,332$5,813,795$1,221,403$80,618,048
80$110,044,811$5,957,441$1,121,090$88,617,723
81$121,123,703$6,103,678$1,012,968$97,427,631
82$133,328,054$6,252,491$896,636$107,130,283
83$146,772,515$6,403,862$771,673$117,816,609
84$161,583,429$6,557,769$637,641$129,586,807
85$177,900,019$6,714,180$494,082$142,551,296
86$195,875,707$6,873,061$340,520$156,831,754
87$215,679,556$7,034,368$176,454$172,562,269
88$237,497,871$7,198,051$1,365$189,890,605
89$261,535,952$7,364,054$0$208,979,593
90$288,020,036$7,532,310$0$230,026,486
91$317,199,430$7,702,744$0$253,212,510
92$349,348,865$7,875,272$0$278,755,499
93$384,771,089$8,049,799$0$306,895,646
94$423,799,720$8,226,220$0$337,897,637
95$466,802,405$8,404,418$0$372,053,155
96$514,184,280$8,584,264$0$409,683,623
97$566,391,799$8,765,615$0$451,143,249
98$623,916,947$8,948,315$0$496,822,362
99$687,301,886$9,132,193$0$547,151,100
100$757,144,070$9,317,061$0$602,603,470