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%12.5%
1 years$140,384$139,134$137,914$136,723$135,560$134,145
2 years$69,497$68,203$66,949$65,732$64,553$63,127
3 years$45,871$44,571$43,320$42,115$40,955$39,563
4 years$34,061$32,765$31,526$30,342$29,209$27,863
5 years$26,976$25,688$24,465$23,305$22,204$20,907
6 years$22,255$20,976$19,772$18,637$17,570$16,323
7 years$18,883$17,616$16,430$15,323$14,289$13,093
8 years$16,356$15,100$13,934$12,854$11,854$10,709
9 years$14,392$13,147$12,002$10,949$9,983$8,888
10 years$12,821$11,589$10,463$9,438$8,506$7,461
11 years$11,537$10,317$9,212$8,214$7,315$6,320
12 years$10,467$9,260$8,175$7,205$6,339$5,392
13 years$9,563$8,368$7,304$6,361$5,528$4,627
14 years$8,788$7,606$6,563$5,646$4,846$3,991
15 years$8,118$6,949$5,925$5,035$4,267$3,456
16 years$7,532$6,375$5,372$4,509$3,771$3,003
17 years$7,015$5,871$4,888$4,051$3,343$2,617
18 years$6,556$5,425$4,462$3,651$2,973$2,287
19 years$6,146$5,028$4,085$3,299$2,650$2,003
20 years$5,778$4,672$3,749$2,988$2,367$1,757
21 years$5,445$4,352$3,448$2,712$2,118$1,544
22 years$5,142$4,063$3,178$2,465$1,899$1,358
23 years$4,867$3,800$2,935$2,245$1,704$1,196
24 years$4,615$3,560$2,714$2,048$1,532$1,055
25 years$4,383$3,341$2,514$1,870$1,378$931
26 years$4,169$3,140$2,331$1,710$1,242$823
27 years$3,972$2,955$2,165$1,565$1,119$727
28 years$3,789$2,784$2,013$1,434$1,010$644
29 years$3,619$2,627$1,873$1,315$912$570
30 years$3,460$2,481$1,744$1,207$824$504
31 years$3,313$2,345$1,626$1,108$745$447
32 years$3,174$2,219$1,517$1,019$674$396
33 years$3,044$2,101$1,417$937$610$351
34 years$2,923$1,992$1,324$862$552$311
35 years$2,808$1,889$1,238$793$500$276
36 years$2,700$1,793$1,158$731$453$245
37 years$2,598$1,703$1,084$673$411$217
38 years$2,502$1,618$1,015$621$372$193
39 years$2,411$1,539$951$572$338$171
40 years$2,324$1,464$891$528$306$152
41 years$2,242$1,394$836$487$278$135
42 years$2,164$1,327$784$449$252$120
43 years$2,090$1,265$736$415$229$107
44 years$2,020$1,206$690$383$208$95
45 years$1,953$1,150$648$354$189$84
46 years$1,889$1,097$609$327$171$75
47 years$1,828$1,047$572$302$155$66
48 years$1,769$999$538$279$141$59
49 years$1,713$954$505$258$128$52
50 years$1,660$911$475$238$116$47

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 $5,503 every year, while hoping to spend $52,202 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: 59/22/19 Blend
34$1,700,000$1,700,000$1,700,000$1,700,000
35$1,879,076$1,788,976$1,762,626$1,980,277
36$2,015,200$1,821,094$1,766,132$2,081,616
37$2,163,458$1,853,035$1,768,005$2,185,885
38$2,325,034$1,884,737$1,768,136$2,298,420
39$2,501,229$1,916,131$1,766,411$2,420,028
40$2,693,476$1,947,143$1,762,707$2,551,602
41$2,903,351$1,977,693$1,756,898$2,694,121
42$3,132,590$2,007,698$1,748,852$2,848,671
43$3,383,105$2,037,066$1,738,429$3,016,444
44$3,656,998$2,065,698$1,725,483$3,198,758
45$3,956,586$2,093,492$1,709,861$3,397,064
46$4,284,419$2,120,334$1,691,402$3,612,963
47$4,643,305$2,146,106$1,669,940$3,848,221
48$5,036,337$2,170,680$1,645,297$4,104,785
49$5,466,920$2,193,919$1,617,291$4,384,801
50$5,938,803$2,215,679$1,585,728$4,690,637
51$6,456,118$2,235,804$1,550,407$5,024,902
52$7,023,413$2,254,129$1,511,116$5,390,475
53$7,645,698$2,270,479$1,467,636$5,790,530
54$8,328,493$2,284,665$1,419,735$6,228,566
55$9,077,874$2,296,489$1,367,171$6,708,443
56$9,900,539$2,305,739$1,309,693$7,234,414
57$10,803,862$2,312,188$1,247,036$7,811,173
58$11,795,968$2,315,598$1,178,924$8,443,893
59$12,885,808$2,315,713$1,105,069$9,138,276
60$14,083,241$2,312,263$1,025,169$9,900,614
61$15,399,129$2,304,962$938,909$10,737,839
62$16,845,438$2,293,503$845,961$11,657,598
63$18,435,353$2,277,565$745,981$12,668,321
64$20,183,397$2,256,803$638,609$13,779,301
65$22,105,571$2,230,855$523,471$15,000,786
66$24,219,507$2,199,334$400,175$16,344,072
67$26,544,628$2,161,833$268,312$17,821,614
68$29,102,336$2,117,919$127,456$19,447,145
69$31,916,209$2,067,132$0$21,235,801
70$35,012,229$2,008,988$0$23,208,906
71$38,419,021$1,942,973$0$25,408,102
72$42,168,125$1,868,542$0$27,827,900
73$46,294,294$1,785,121$0$30,490,765
74$50,835,821$1,692,101$0$33,421,452
75$55,834,898$1,588,837$0$36,647,243
76$61,338,016$1,474,649$0$40,198,210
77$67,396,403$1,348,816$0$44,107,492
78$74,066,506$1,210,577$0$48,411,614
79$81,410,522$1,059,128$0$53,150,829
80$89,496,989$893,619$0$58,369,502
81$98,401,428$713,152$0$64,116,526
82$108,207,055$516,778$0$70,445,789
83$119,005,570$303,496$0$77,416,678
84$130,898,017$72,246$0$85,094,647
85$143,995,741$0$0$93,551,830
86$158,421,435$0$0$102,910,841
87$174,310,302$0$0$113,238,579
88$191,811,324$0$0$124,614,417
89$211,088,674$0$0$137,145,094
90$232,323,260$0$0$150,948,230
91$255,714,435$0$0$166,153,437
92$281,481,878$0$0$182,903,544
93$309,867,663$0$0$201,355,938
94$341,138,550$0$0$221,684,058
95$375,588,496$0$0$244,079,025
96$413,541,431$0$0$268,751,450
97$455,354,317$0$0$295,933,417
98$501,420,514$0$0$325,880,679
99$552,173,496$0$0$358,875,065
100$608,090,937$0$0$395,227,148