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

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$140,384$139,134$137,914$136,723$135,560$133,260
2 years$69,497$68,203$66,949$65,732$64,553$62,242
3 years$45,871$44,571$43,320$42,115$40,955$38,706
4 years$34,061$32,765$31,526$30,342$29,209$27,040
5 years$26,976$25,688$24,465$23,305$22,204$20,120
6 years$22,255$20,976$19,772$18,637$17,570$15,573
7 years$18,883$17,616$16,430$15,323$14,289$12,381
8 years$16,356$15,100$13,934$12,854$11,854$10,034
9 years$14,392$13,147$12,002$10,949$9,983$8,249
10 years$12,821$11,589$10,463$9,438$8,506$6,858
11 years$11,537$10,317$9,212$8,214$7,315$5,751
12 years$10,467$9,260$8,175$7,205$6,339$4,857
13 years$9,563$8,368$7,304$6,361$5,528$4,125
14 years$8,788$7,606$6,563$5,646$4,846$3,520
15 years$8,118$6,949$5,925$5,035$4,267$3,015
16 years$7,532$6,375$5,372$4,509$3,771$2,591
17 years$7,015$5,871$4,888$4,051$3,343$2,233
18 years$6,556$5,425$4,462$3,651$2,973$1,928
19 years$6,146$5,028$4,085$3,299$2,650$1,669
20 years$5,778$4,672$3,749$2,988$2,367$1,447
21 years$5,445$4,352$3,448$2,712$2,118$1,256
22 years$5,142$4,063$3,178$2,465$1,899$1,092
23 years$4,867$3,800$2,935$2,245$1,704$950
24 years$4,615$3,560$2,714$2,048$1,532$828
25 years$4,383$3,341$2,514$1,870$1,378$721
26 years$4,169$3,140$2,331$1,710$1,242$629
27 years$3,972$2,955$2,165$1,565$1,119$549
28 years$3,789$2,784$2,013$1,434$1,010$480
29 years$3,619$2,627$1,873$1,315$912$419
30 years$3,460$2,481$1,744$1,207$824$366
31 years$3,313$2,345$1,626$1,108$745$320
32 years$3,174$2,219$1,517$1,019$674$280
33 years$3,044$2,101$1,417$937$610$245
34 years$2,923$1,992$1,324$862$552$214
35 years$2,808$1,889$1,238$793$500$188
36 years$2,700$1,793$1,158$731$453$164
37 years$2,598$1,703$1,084$673$411$144
38 years$2,502$1,618$1,015$621$372$126
39 years$2,411$1,539$951$572$338$110
40 years$2,324$1,464$891$528$306$97
41 years$2,242$1,394$836$487$278$85
42 years$2,164$1,327$784$449$252$74
43 years$2,090$1,265$736$415$229$65
44 years$2,020$1,206$690$383$208$57
45 years$1,953$1,150$648$354$189$50
46 years$1,889$1,097$609$327$171$44
47 years$1,828$1,047$572$302$155$38
48 years$1,769$999$538$279$141$33
49 years$1,713$954$505$258$128$29
50 years$1,660$911$475$238$116$26

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 $2,280 every year, while hoping to spend $42,775 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: 28/50/22 Blend
34$1,700,000$1,700,000$1,700,000$1,700,000
35$1,875,752$1,785,652$1,759,302$1,915,227
36$2,021,566$1,827,636$1,772,726$1,988,185
37$2,180,820$1,870,245$1,785,167$2,062,587
38$2,354,839$1,913,462$1,796,545$2,141,627
39$2,545,083$1,957,272$1,806,779$2,225,725
40$2,753,157$2,001,654$1,815,783$2,315,350
41$2,980,833$2,046,589$1,823,465$2,411,015
42$3,230,057$2,092,051$1,829,730$2,513,286
43$3,502,976$2,138,014$1,834,479$2,622,789
44$3,801,951$2,184,448$1,837,605$2,740,214
45$4,129,583$2,231,320$1,838,999$2,866,321
46$4,488,740$2,278,594$1,838,544$3,001,948
47$4,882,575$2,326,228$1,836,119$3,148,021
48$5,314,565$2,374,181$1,831,596$3,305,560
49$5,788,538$2,422,403$1,824,842$3,475,692
50$6,308,710$2,470,842$1,815,716$3,659,658
51$6,879,727$2,519,442$1,804,071$3,858,827
52$7,506,705$2,568,141$1,789,753$4,074,712
53$8,195,280$2,616,870$1,772,601$4,308,980
54$8,951,660$2,665,559$1,752,445$4,563,470
55$9,782,686$2,714,128$1,729,108$4,840,211
56$10,695,893$2,762,493$1,702,406$5,141,442
57$11,699,580$2,810,561$1,672,143$5,469,632
58$12,802,894$2,858,235$1,638,116$5,827,505
59$14,015,909$2,905,409$1,600,113$6,218,067
60$15,349,727$2,951,969$1,557,912$6,644,631
61$16,816,576$2,997,792$1,511,278$7,110,856
62$18,429,930$3,042,747$1,459,970$7,620,774
63$20,204,636$3,086,695$1,403,732$8,178,834
64$22,157,049$3,129,484$1,342,298$8,789,946
65$24,305,192$3,170,952$1,275,389$9,459,521
66$26,668,922$3,210,929$1,202,714$10,193,530
67$29,270,117$3,249,230$1,123,970$10,998,559
68$32,132,885$3,285,657$1,038,839$11,881,871
69$35,283,786$3,320,002$946,987$12,851,476
70$38,752,091$3,352,041$848,070$13,916,211
71$42,570,047$3,381,533$741,723$15,085,817
72$46,773,190$3,408,227$627,569$16,371,040
73$51,400,675$3,431,849$505,212$17,783,732
74$56,495,646$3,452,113$374,239$19,336,958
75$62,105,647$3,468,711$234,221$21,045,131
76$68,283,061$3,481,316$84,706$22,924,141
77$75,085,616$3,489,583$0$24,991,511
78$82,576,917$3,493,141$0$27,284,135
79$90,827,058$3,491,600$0$29,828,110
80$99,913,272$3,484,543$0$32,627,142
81$109,920,669$3,471,528$0$35,707,262
82$120,943,032$3,452,088$0$39,097,159
83$133,083,705$3,425,724$0$42,828,461
84$146,456,568$3,391,910$0$46,936,028
85$161,187,110$3,350,086$0$51,458,287
86$177,413,615$3,299,660$0$56,437,594
87$195,288,464$3,240,003$0$61,920,640
88$214,979,575$3,170,451$0$67,958,885
89$236,671,988$3,090,300$0$74,609,056
90$260,569,609$2,998,802$0$81,933,677
91$286,897,135$2,895,170$0$90,001,666
92$315,902,176$2,778,566$0$98,888,984
93$347,857,588$2,648,106$0$108,679,362
94$383,064,055$2,502,856$0$119,465,083
95$421,852,919$2,341,827$0$131,347,869
96$464,589,311$2,163,971$0$144,439,833
97$511,675,599$1,968,183$0$158,864,548
98$563,555,180$1,753,294$0$174,758,215
99$620,716,671$1,518,068$0$192,270,952
100$683,698,519$1,261,201$0$211,568,216