Can I retire at age 35 with 1,710,000?

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 $1,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$141,210$139,952$138,725$137,527$136,358$135,555
2 years$69,906$68,604$67,342$66,119$64,932$64,123
3 years$46,141$44,834$43,575$42,363$41,196$40,404
4 years$34,261$32,957$31,711$30,520$29,381$28,613
5 years$27,135$25,839$24,609$23,442$22,335$21,594
6 years$22,385$21,099$19,888$18,747$17,673$16,959
7 years$18,994$17,719$16,527$15,413$14,373$13,686
8 years$16,452$15,189$14,016$12,930$11,924$11,265
9 years$14,476$13,225$12,072$11,013$10,041$9,410
10 years$12,896$11,657$10,525$9,493$8,556$7,952
11 years$11,604$10,377$9,266$8,262$7,358$6,781
12 years$10,529$9,314$8,223$7,247$6,377$5,825
13 years$9,619$8,417$7,347$6,398$5,560$5,035
14 years$8,840$7,651$6,601$5,679$4,874$4,374
15 years$8,166$6,989$5,960$5,065$4,292$3,816
16 years$7,576$6,413$5,404$4,535$3,793$3,341
17 years$7,056$5,906$4,917$4,075$3,363$2,934
18 years$6,595$5,457$4,489$3,672$2,990$2,584
19 years$6,182$5,058$4,109$3,318$2,665$2,280
20 years$5,812$4,700$3,771$3,005$2,381$2,016
21 years$5,477$4,378$3,469$2,727$2,131$1,786
22 years$5,173$4,086$3,197$2,480$1,910$1,585
23 years$4,895$3,822$2,952$2,258$1,714$1,408
24 years$4,642$3,581$2,730$2,060$1,541$1,252
25 years$4,409$3,361$2,529$1,881$1,386$1,115
26 years$4,194$3,158$2,345$1,720$1,249$993
27 years$3,995$2,972$2,178$1,574$1,126$886
28 years$3,811$2,801$2,024$1,443$1,016$791
29 years$3,640$2,642$1,884$1,323$917$706
30 years$3,481$2,495$1,755$1,214$829$631
31 years$3,332$2,359$1,636$1,115$749$564
32 years$3,193$2,232$1,526$1,025$678$504
33 years$3,062$2,114$1,425$942$614$451
34 years$2,940$2,003$1,332$867$555$404
35 years$2,825$1,900$1,245$798$503$361
36 years$2,716$1,804$1,165$735$456$324
37 years$2,613$1,713$1,090$677$413$290
38 years$2,516$1,628$1,021$624$375$260
39 years$2,425$1,548$956$576$340$233
40 years$2,338$1,473$896$531$308$209
41 years$2,255$1,402$841$490$280$187
42 years$2,177$1,335$788$452$254$168
43 years$2,103$1,272$740$417$230$150
44 years$2,032$1,213$694$385$209$135
45 years$1,964$1,156$652$356$190$121
46 years$1,900$1,103$612$329$172$108
47 years$1,838$1,053$575$304$156$97
48 years$1,780$1,005$541$281$142$87
49 years$1,723$960$508$259$129$78
50 years$1,670$917$478$240$117$70

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,710,000, adding $5,125 every year, while hoping to spend $42,072 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: 70/16/14 Blend
34$1,710,000$1,710,000$1,710,000$1,710,000
35$1,889,706$1,799,076$1,772,571$2,015,706
36$2,037,692$1,842,467$1,787,188$2,143,461
37$2,199,362$1,886,573$1,800,885$2,277,676
38$2,376,069$1,931,387$1,813,586$2,423,468
39$2,569,298$1,976,895$1,825,211$2,581,972
40$2,780,690$2,023,087$1,835,679$2,754,437
41$3,012,047$2,069,945$1,844,902$2,942,239
42$3,265,357$2,117,452$1,852,786$3,146,894
43$3,542,805$2,165,590$1,859,236$3,370,073
44$3,846,801$2,214,333$1,864,151$3,613,615
45$4,179,997$2,263,658$1,867,422$3,879,547
46$4,545,316$2,313,536$1,868,940$4,170,101
47$4,945,974$2,363,936$1,868,585$4,487,737
48$5,385,516$2,414,821$1,866,235$4,835,167
49$5,867,845$2,466,154$1,861,761$5,215,376
50$6,397,262$2,517,892$1,855,026$5,631,654
51$6,978,502$2,569,988$1,845,889$6,087,627
52$7,616,783$2,622,392$1,834,201$6,587,290
53$8,317,853$2,675,047$1,819,805$7,135,045
54$9,088,044$2,727,894$1,802,537$7,735,742
55$9,934,329$2,780,865$1,782,227$8,394,725
56$10,864,394$2,833,891$1,758,695$9,117,885
57$11,886,703$2,886,892$1,731,752$9,911,712
58$13,010,583$2,939,787$1,701,202$10,783,358
59$14,246,309$2,992,483$1,666,839$11,740,704
60$15,605,202$3,044,884$1,628,448$12,792,435
61$17,099,734$3,096,884$1,585,802$13,948,123
62$18,743,645$3,148,370$1,538,665$15,218,315
63$20,552,078$3,199,221$1,486,791$16,614,634
64$22,541,713$3,249,306$1,429,922$18,149,890
65$24,730,931$3,298,485$1,367,787$19,838,198
66$27,139,982$3,346,608$1,300,105$21,695,116
67$29,791,182$3,393,513$1,226,579$23,737,785
68$32,709,116$3,439,028$1,146,903$25,985,100
69$35,920,875$3,482,970$1,060,754$28,457,880
70$39,456,309$3,525,140$967,794$31,179,071
71$43,348,311$3,565,330$867,673$34,173,960
72$47,633,121$3,603,314$760,022$37,470,412
73$52,350,675$3,638,852$644,459$41,099,139
74$57,544,978$3,671,689$520,582$45,093,984
75$63,264,517$3,701,554$387,973$49,492,246
76$69,562,722$3,728,155$246,195$54,335,030
77$76,498,470$3,751,184$94,792$59,667,633
78$84,136,634$3,770,312$0$65,539,978
79$92,548,704$3,785,191$0$72,017,056
80$101,813,454$3,795,447$0$79,165,280
81$112,017,690$3,800,687$0$87,037,372
82$123,257,064$3,800,491$0$95,707,046
83$135,636,981$3,794,412$0$105,255,537
84$149,273,593$3,781,978$0$115,772,365
85$164,294,891$3,762,686$0$127,356,176
86$180,841,916$3,736,004$0$140,115,681
87$199,070,090$3,701,366$0$154,170,677
88$219,150,679$3,658,174$0$169,653,177
89$241,272,415$3,605,791$0$186,708,663
90$265,643,272$3,543,545$0$205,497,451
91$292,492,429$3,470,723$0$226,196,211
92$322,072,438$3,386,569$0$248,999,634
93$354,661,599$3,290,283$0$274,122,266
94$390,566,595$3,181,020$0$301,800,539
95$430,125,380$3,057,882$0$332,295,000
96$473,710,372$2,919,921$0$365,892,774
97$521,731,968$2,766,135$0$402,910,271
98$574,642,415$2,595,463$0$443,696,176
99$632,940,082$2,406,782$0$488,634,742
100$697,174,162$2,198,905$0$538,149,417