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%19.5%
1 years$141,210$139,952$138,725$137,527$136,358$131,155
2 years$69,906$68,604$67,342$66,119$64,932$59,752
3 years$46,141$44,834$43,575$42,363$41,196$36,200
4 years$34,261$32,957$31,711$30,520$29,381$24,609
5 years$27,135$25,839$24,609$23,442$22,335$17,799
6 years$22,385$21,099$19,888$18,747$17,673$13,375
7 years$18,994$17,719$16,527$15,413$14,373$10,313
8 years$16,452$15,189$14,016$12,930$11,924$8,097
9 years$14,476$13,225$12,072$11,013$10,041$6,443
10 years$12,896$11,657$10,525$9,493$8,556$5,179
11 years$11,604$10,377$9,266$8,262$7,358$4,195
12 years$10,529$9,314$8,223$7,247$6,377$3,419
13 years$9,619$8,417$7,347$6,398$5,560$2,800
14 years$8,840$7,651$6,601$5,679$4,874$2,302
15 years$8,166$6,989$5,960$5,065$4,292$1,898
16 years$7,576$6,413$5,404$4,535$3,793$1,570
17 years$7,056$5,906$4,917$4,075$3,363$1,300
18 years$6,595$5,457$4,489$3,672$2,990$1,079
19 years$6,182$5,058$4,109$3,318$2,665$897
20 years$5,812$4,700$3,771$3,005$2,381$746
21 years$5,477$4,378$3,469$2,727$2,131$622
22 years$5,173$4,086$3,197$2,480$1,910$518
23 years$4,895$3,822$2,952$2,258$1,714$432
24 years$4,642$3,581$2,730$2,060$1,541$361
25 years$4,409$3,361$2,529$1,881$1,386$301
26 years$4,194$3,158$2,345$1,720$1,249$251
27 years$3,995$2,972$2,178$1,574$1,126$210
28 years$3,811$2,801$2,024$1,443$1,016$176
29 years$3,640$2,642$1,884$1,323$917$147
30 years$3,481$2,495$1,755$1,214$829$123
31 years$3,332$2,359$1,636$1,115$749$103
32 years$3,193$2,232$1,526$1,025$678$86
33 years$3,062$2,114$1,425$942$614$72
34 years$2,940$2,003$1,332$867$555$60
35 years$2,825$1,900$1,245$798$503$50
36 years$2,716$1,804$1,165$735$456$42
37 years$2,613$1,713$1,090$677$413$35
38 years$2,516$1,628$1,021$624$375$29
39 years$2,425$1,548$956$576$340$25
40 years$2,338$1,473$896$531$308$21
41 years$2,255$1,402$841$490$280$17
42 years$2,177$1,335$788$452$254$14
43 years$2,103$1,272$740$417$230$12
44 years$2,032$1,213$694$385$209$10
45 years$1,964$1,156$652$356$190$8
46 years$1,900$1,103$612$329$172$7
47 years$1,838$1,053$575$304$156$6
48 years$1,780$1,005$541$281$142$5
49 years$1,723$960$508$259$129$4
50 years$1,670$917$478$240$117$3

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 $6,111 every year, while hoping to spend $25,858 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: 44/28/28 Blend
34$1,710,000$1,710,000$1,710,000$1,710,000
35$1,890,723$1,800,093$1,773,588$1,958,310
36$2,056,065$1,860,785$1,805,491$2,067,838
37$2,237,404$1,923,584$1,837,596$2,183,560
38$2,436,346$1,988,567$1,869,882$2,308,514
39$2,654,658$2,055,811$1,902,327$2,443,571
40$2,894,286$2,125,399$1,934,909$2,589,695
41$3,157,375$2,197,416$1,967,600$2,747,942
42$3,446,288$2,271,950$2,000,375$2,919,475
43$3,763,626$2,349,092$2,033,204$3,105,575
44$4,112,255$2,428,937$2,066,056$3,307,650
45$4,495,334$2,511,584$2,098,898$3,527,252
46$4,916,342$2,597,135$2,131,694$3,766,086
47$5,379,110$2,685,696$2,164,408$4,026,032
48$5,887,861$2,777,377$2,196,998$4,309,158
49$6,447,248$2,872,294$2,229,422$4,617,741
50$7,062,396$2,970,564$2,261,636$4,954,288
51$7,738,950$3,072,312$2,293,591$5,321,559
52$8,483,133$3,177,665$2,325,236$5,722,594
53$9,301,799$3,286,757$2,356,518$6,160,741
54$10,202,501$3,399,727$2,387,380$6,639,685
55$11,193,560$3,516,717$2,417,761$7,163,487
56$12,284,145$3,637,878$2,447,597$7,736,617
57$13,484,357$3,763,364$2,476,822$8,364,000
58$14,805,330$3,893,336$2,505,363$9,051,061
59$16,259,326$4,027,963$2,533,146$9,803,774
60$17,859,862$4,167,418$2,560,091$10,628,720
61$19,621,828$4,311,881$2,586,114$11,533,148
62$21,561,633$4,461,542$2,611,127$12,525,046
63$23,697,357$4,616,594$2,635,037$13,613,208
64$26,048,922$4,777,243$2,657,746$14,807,329
65$28,638,282$4,943,697$2,679,150$16,118,083
66$31,489,626$5,116,178$2,699,141$17,557,233
67$34,629,610$5,294,912$2,717,604$19,137,739
68$38,087,605$5,480,138$2,734,419$20,873,876
69$41,895,978$5,672,102$2,749,459$22,781,375
70$46,090,393$5,871,061$2,762,591$24,877,565
71$50,710,151$6,077,280$2,773,676$27,181,541
72$55,798,558$6,291,039$2,782,566$29,714,340
73$61,403,336$6,512,624$2,789,106$32,499,141
74$67,577,071$6,742,338$2,793,136$35,561,485
75$74,377,710$6,980,490$2,794,484$38,929,511
76$81,869,110$7,227,408$2,792,973$42,634,225
77$90,121,636$7,483,427$2,788,414$46,709,793
78$99,212,829$7,748,901$2,780,612$51,193,858
79$109,228,135$8,024,195$2,769,360$56,127,899
80$120,261,714$8,309,689$2,754,442$61,557,623
81$132,417,325$8,605,781$2,735,633$67,533,391
82$145,809,310$8,912,882$2,712,694$74,110,698
83$160,563,668$9,231,421$2,685,378$81,350,693
84$176,819,247$9,561,846$2,653,423$89,320,757
85$194,729,055$9,904,621$2,616,558$98,095,138
86$214,461,702$10,260,231$2,574,496$107,755,651
87$236,202,993$10,629,180$2,526,939$118,392,452
88$260,157,681$11,011,993$2,473,574$130,104,884
89$286,551,400$11,409,215$2,414,074$143,002,420
90$315,632,793$11,821,418$2,348,096$157,205,690
91$347,675,863$12,249,192$2,275,282$172,847,624
92$382,982,555$12,693,156$2,195,258$190,074,700
93$421,885,607$13,153,952$2,107,630$209,048,334
94$464,751,694$13,632,251$2,011,991$229,946,397
95$511,984,885$14,128,749$1,907,911$252,964,896
96$564,030,459$14,644,174$1,794,942$278,319,821
97$621,379,111$15,179,284$1,672,618$306,249,188
98$684,571,578$15,734,866$1,540,448$337,015,280
99$754,203,747$16,311,743$1,397,922$370,907,126
100$830,932,283$16,910,772$1,244,506$408,243,225