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%19.2%
1 years$141,210$139,952$138,725$137,527$136,358$131,311
2 years$69,906$68,604$67,342$66,119$64,932$59,905
3 years$46,141$44,834$43,575$42,363$41,196$36,345
4 years$34,261$32,957$31,711$30,520$29,381$24,745
5 years$27,135$25,839$24,609$23,442$22,335$17,925
6 years$22,385$21,099$19,888$18,747$17,673$13,493
7 years$18,994$17,719$16,527$15,413$14,373$10,421
8 years$16,452$15,189$14,016$12,930$11,924$8,197
9 years$14,476$13,225$12,072$11,013$10,041$6,534
10 years$12,896$11,657$10,525$9,493$8,556$5,262
11 years$11,604$10,377$9,266$8,262$7,358$4,271
12 years$10,529$9,314$8,223$7,247$6,377$3,488
13 years$9,619$8,417$7,347$6,398$5,560$2,862
14 years$8,840$7,651$6,601$5,679$4,874$2,358
15 years$8,166$6,989$5,960$5,065$4,292$1,949
16 years$7,576$6,413$5,404$4,535$3,793$1,615
17 years$7,056$5,906$4,917$4,075$3,363$1,341
18 years$6,595$5,457$4,489$3,672$2,990$1,115
19 years$6,182$5,058$4,109$3,318$2,665$929
20 years$5,812$4,700$3,771$3,005$2,381$775
21 years$5,477$4,378$3,469$2,727$2,131$647
22 years$5,173$4,086$3,197$2,480$1,910$540
23 years$4,895$3,822$2,952$2,258$1,714$452
24 years$4,642$3,581$2,730$2,060$1,541$378
25 years$4,409$3,361$2,529$1,881$1,386$316
26 years$4,194$3,158$2,345$1,720$1,249$265
27 years$3,995$2,972$2,178$1,574$1,126$222
28 years$3,811$2,801$2,024$1,443$1,016$186
29 years$3,640$2,642$1,884$1,323$917$156
30 years$3,481$2,495$1,755$1,214$829$130
31 years$3,332$2,359$1,636$1,115$749$109
32 years$3,193$2,232$1,526$1,025$678$92
33 years$3,062$2,114$1,425$942$614$77
34 years$2,940$2,003$1,332$867$555$64
35 years$2,825$1,900$1,245$798$503$54
36 years$2,716$1,804$1,165$735$456$45
37 years$2,613$1,713$1,090$677$413$38
38 years$2,516$1,628$1,021$624$375$32
39 years$2,425$1,548$956$576$340$27
40 years$2,338$1,473$896$531$308$22
41 years$2,255$1,402$841$490$280$19
42 years$2,177$1,335$788$452$254$16
43 years$2,103$1,272$740$417$230$13
44 years$2,032$1,213$694$385$209$11
45 years$1,964$1,156$652$356$190$9
46 years$1,900$1,103$612$329$172$8
47 years$1,838$1,053$575$304$156$7
48 years$1,780$1,005$541$281$142$6
49 years$1,723$960$508$259$129$5
50 years$1,670$917$478$240$117$4

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 $2,105 every year, while hoping to spend $34,168 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: 54/40/6 Blend
34$1,710,000$1,710,000$1,710,000$1,710,000
35$1,886,591$1,795,961$1,769,456$1,985,816
36$2,042,669$1,847,609$1,792,379$2,104,742
37$2,213,522$1,900,642$1,814,924$2,230,151
38$2,400,620$1,955,093$1,837,043$2,365,799
39$2,605,584$2,010,993$1,858,684$2,512,660
40$2,830,197$2,068,375$1,879,794$2,671,806
41$3,076,425$2,127,273$1,900,315$2,844,417
42$3,346,430$2,187,720$1,920,185$3,031,790
43$3,642,597$2,249,749$1,939,342$3,235,354
44$3,967,550$2,313,394$1,957,718$3,456,681
45$4,324,180$2,378,691$1,975,242$3,697,502
46$4,715,673$2,445,673$1,991,839$3,959,723
47$5,145,537$2,514,376$2,007,430$4,245,440
48$5,617,635$2,584,835$2,021,933$4,556,964
49$6,136,227$2,657,084$2,035,261$4,896,837
50$6,706,001$2,731,160$2,047,321$5,267,860
51$7,332,124$2,807,098$2,058,017$5,673,116
52$8,020,288$2,884,933$2,067,248$6,116,000
53$8,776,764$2,964,701$2,074,907$6,600,254
54$9,608,460$3,046,438$2,080,883$7,129,996
55$10,522,988$3,130,178$2,085,058$7,709,763
56$11,528,733$3,215,958$2,087,308$8,344,552
57$12,634,935$3,303,811$2,087,504$9,039,870
58$13,851,773$3,393,772$2,085,510$9,801,778
59$15,190,463$3,485,876$2,081,184$10,636,958
60$16,663,363$3,580,156$2,074,375$11,552,768
61$18,284,087$3,676,646$2,064,928$12,557,315
62$20,067,639$3,775,376$2,052,678$13,659,529
63$22,030,548$3,876,380$2,037,453$14,869,251
64$24,191,028$3,979,687$2,019,072$16,197,320
65$26,569,149$4,085,327$1,997,347$17,655,681
66$29,187,022$4,193,328$1,972,078$19,257,491
67$32,069,015$4,303,718$1,943,059$21,017,251
68$35,241,976$4,416,521$1,910,073$22,950,933
69$38,735,490$4,531,763$1,872,893$25,076,140
70$42,582,155$4,649,465$1,831,280$27,412,265
71$46,817,893$4,769,647$1,784,986$29,980,678
72$51,482,286$4,892,327$1,733,751$32,804,924
73$56,618,949$5,017,521$1,677,301$35,910,949
74$62,275,944$5,145,242$1,615,353$39,327,340
75$68,506,231$5,275,499$1,547,608$43,085,600
76$75,368,169$5,408,301$1,473,755$47,220,440
77$82,926,065$5,543,651$1,393,469$51,770,111
78$91,250,782$5,681,548$1,306,409$56,776,760
79$100,420,408$5,821,990$1,212,219$62,286,833
80$110,520,990$5,964,967$1,110,529$68,351,508
81$121,647,348$6,110,469$1,000,949$75,027,182
82$133,903,972$6,258,476$883,075$82,376,003
83$147,406,002$6,408,966$756,483$90,466,452
84$162,280,320$6,561,911$620,731$99,373,996
85$178,666,743$6,717,275$475,356$109,181,794
86$196,719,348$6,875,018$319,877$119,981,487
87$216,607,918$7,035,091$153,790$131,874,060
88$238,519,554$7,197,439$0$144,970,795
89$262,660,432$7,361,996$0$159,395,825
90$289,257,753$7,528,692$0$175,293,392
91$318,561,890$7,697,443$0$192,802,595
92$350,848,743$7,868,158$0$212,087,580
93$386,422,351$8,040,735$0$233,329,232
94$425,617,760$8,215,060$0$256,726,880
95$468,804,180$8,391,006$0$282,500,184
96$516,388,478$8,568,437$0$310,891,203
97$568,819,012$8,747,199$0$342,166,682
98$626,589,866$8,927,127$0$376,620,570
99$690,245,513$9,108,037$0$414,576,798
100$760,385,956$9,289,731$0$456,392,330