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%18.4%
1 years$140,384$139,134$137,914$136,723$135,560$130,959
2 years$69,497$68,203$66,949$65,732$64,553$59,963
3 years$45,871$44,571$43,320$42,115$40,955$36,521
4 years$34,061$32,765$31,526$30,342$29,209$24,965
5 years$26,976$25,688$24,465$23,305$22,204$18,161
6 years$22,255$20,976$19,772$18,637$17,570$13,731
7 years$18,883$17,616$16,430$15,323$14,289$10,654
8 years$16,356$15,100$13,934$12,854$11,854$8,419
9 years$14,392$13,147$12,002$10,949$9,983$6,745
10 years$12,821$11,589$10,463$9,438$8,506$5,459
11 years$11,537$10,317$9,212$8,214$7,315$4,454
12 years$10,467$9,260$8,175$7,205$6,339$3,657
13 years$9,563$8,368$7,304$6,361$5,528$3,017
14 years$8,788$7,606$6,563$5,646$4,846$2,500
15 years$8,118$6,949$5,925$5,035$4,267$2,078
16 years$7,532$6,375$5,372$4,509$3,771$1,732
17 years$7,015$5,871$4,888$4,051$3,343$1,446
18 years$6,556$5,425$4,462$3,651$2,973$1,210
19 years$6,146$5,028$4,085$3,299$2,650$1,014
20 years$5,778$4,672$3,749$2,988$2,367$851
21 years$5,445$4,352$3,448$2,712$2,118$715
22 years$5,142$4,063$3,178$2,465$1,899$601
23 years$4,867$3,800$2,935$2,245$1,704$506
24 years$4,615$3,560$2,714$2,048$1,532$426
25 years$4,383$3,341$2,514$1,870$1,378$359
26 years$4,169$3,140$2,331$1,710$1,242$302
27 years$3,972$2,955$2,165$1,565$1,119$255
28 years$3,789$2,784$2,013$1,434$1,010$215
29 years$3,619$2,627$1,873$1,315$912$181
30 years$3,460$2,481$1,744$1,207$824$153
31 years$3,313$2,345$1,626$1,108$745$129
32 years$3,174$2,219$1,517$1,019$674$109
33 years$3,044$2,101$1,417$937$610$92
34 years$2,923$1,992$1,324$862$552$78
35 years$2,808$1,889$1,238$793$500$65
36 years$2,700$1,793$1,158$731$453$55
37 years$2,598$1,703$1,084$673$411$47
38 years$2,502$1,618$1,015$621$372$39
39 years$2,411$1,539$951$572$338$33
40 years$2,324$1,464$891$528$306$28
41 years$2,242$1,394$836$487$278$24
42 years$2,164$1,327$784$449$252$20
43 years$2,090$1,265$736$415$229$17
44 years$2,020$1,206$690$383$208$14
45 years$1,953$1,150$648$354$189$12
46 years$1,889$1,097$609$327$171$10
47 years$1,828$1,047$572$302$155$9
48 years$1,769$999$538$279$141$7
49 years$1,713$954$505$258$128$6
50 years$1,660$911$475$238$116$5

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 $6,181 every year, while hoping to spend $50,073 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: 51/41/8 Blend
34$1,700,000$1,700,000$1,700,000$1,700,000
35$1,879,776$1,789,676$1,763,326$1,971,508
36$2,018,236$1,824,093$1,769,120$2,069,068
37$2,169,140$1,858,518$1,773,430$2,169,167
38$2,333,706$1,892,898$1,776,153$2,276,798
39$2,513,271$1,927,178$1,777,182$2,392,679
40$2,709,311$1,961,296$1,776,403$2,517,605
41$2,923,447$1,995,185$1,773,699$2,652,447
42$3,157,465$2,028,775$1,768,944$2,798,170
43$3,413,331$2,061,990$1,762,009$2,955,835
44$3,693,210$2,094,747$1,752,755$3,126,612
45$3,999,486$2,126,959$1,741,042$3,311,792
46$4,334,784$2,158,530$1,726,717$3,512,796
47$4,701,994$2,189,360$1,709,623$3,731,193
48$5,104,298$2,219,339$1,689,597$3,968,710
49$5,545,203$2,248,353$1,666,465$4,227,256
50$6,028,568$2,276,277$1,640,046$4,508,930
51$6,558,646$2,302,979$1,610,151$4,816,051
52$7,140,120$2,328,316$1,576,583$5,151,172
53$7,778,147$2,352,139$1,539,134$5,517,112
54$8,478,410$2,374,285$1,497,586$5,916,976
55$9,247,166$2,394,584$1,451,714$6,354,190
56$10,091,311$2,412,852$1,401,280$6,832,529
57$11,018,438$2,428,895$1,346,036$7,356,159
58$12,036,912$2,442,505$1,285,722$7,929,669
59$13,155,951$2,453,462$1,220,068$8,558,124
60$14,385,707$2,461,530$1,148,789$9,247,104
61$15,737,365$2,466,461$1,071,589$10,002,765
62$17,223,248$2,467,990$988,160$10,831,893
63$18,856,933$2,465,835$898,176$11,741,971
64$20,653,376$2,459,696$801,301$12,741,248
65$22,629,057$2,449,258$697,181$13,838,822
66$24,802,132$2,434,183$585,448$15,044,720
67$27,192,606$2,414,114$465,717$16,370,002
68$29,822,518$2,388,672$337,585$17,826,857
69$32,716,154$2,357,456$200,633$19,428,728
70$35,900,271$2,320,041$54,423$21,190,434
71$39,404,350$2,275,974$0$23,128,312
72$43,260,876$2,224,779$0$25,269,049
73$47,505,642$2,165,950$0$27,629,350
74$52,178,087$2,098,952$0$30,226,501
75$57,321,668$2,023,216$0$33,084,680
76$62,984,269$1,938,145$0$36,230,542
77$69,218,653$1,843,102$0$39,693,468
78$76,082,958$1,737,417$0$43,505,843
79$83,641,249$1,620,379$0$47,703,368
80$91,964,117$1,491,238$0$52,325,394
81$101,129,348$1,349,200$0$57,415,297
82$111,222,657$1,193,427$0$63,020,888
83$122,338,495$1,023,031$0$69,194,870
84$134,580,938$837,076$0$75,995,334
85$148,064,674$634,573$0$83,486,310
86$162,916,079$414,476$0$91,738,375
87$179,274,416$175,682$0$100,829,322
88$197,293,142$0$0$110,844,896
89$217,141,358$0$0$121,917,042
90$239,005,409$0$0$134,201,272
91$263,090,635$0$0$147,733,728
92$289,623,315$0$0$162,641,578
93$318,852,797$0$0$179,064,957
94$351,053,855$0$0$197,158,290
95$386,529,280$0$0$217,091,747
96$425,612,739$0$0$239,052,851
97$468,671,921$0$0$263,248,247
98$516,112,009$0$0$289,905,651
99$568,379,507$0$0$319,276,002
100$625,966,448$0$0$351,635,828