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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.4%
1 years$141,210$139,952$138,725$137,527$136,358$131,729
2 years$69,906$68,604$67,342$66,119$64,932$60,316
3 years$46,141$44,834$43,575$42,363$41,196$36,736
4 years$34,261$32,957$31,711$30,520$29,381$25,112
5 years$27,135$25,839$24,609$23,442$22,335$18,268
6 years$22,385$21,099$19,888$18,747$17,673$13,812
7 years$18,994$17,719$16,527$15,413$14,373$10,716
8 years$16,452$15,189$14,016$12,930$11,924$8,469
9 years$14,476$13,225$12,072$11,013$10,041$6,784
10 years$12,896$11,657$10,525$9,493$8,556$5,491
11 years$11,604$10,377$9,266$8,262$7,358$4,480
12 years$10,529$9,314$8,223$7,247$6,377$3,678
13 years$9,619$8,417$7,347$6,398$5,560$3,035
14 years$8,840$7,651$6,601$5,679$4,874$2,514
15 years$8,166$6,989$5,960$5,065$4,292$2,090
16 years$7,576$6,413$5,404$4,535$3,793$1,742
17 years$7,056$5,906$4,917$4,075$3,363$1,455
18 years$6,595$5,457$4,489$3,672$2,990$1,217
19 years$6,182$5,058$4,109$3,318$2,665$1,020
20 years$5,812$4,700$3,771$3,005$2,381$856
21 years$5,477$4,378$3,469$2,727$2,131$719
22 years$5,173$4,086$3,197$2,480$1,910$605
23 years$4,895$3,822$2,952$2,258$1,714$509
24 years$4,642$3,581$2,730$2,060$1,541$428
25 years$4,409$3,361$2,529$1,881$1,386$361
26 years$4,194$3,158$2,345$1,720$1,249$304
27 years$3,995$2,972$2,178$1,574$1,126$256
28 years$3,811$2,801$2,024$1,443$1,016$216
29 years$3,640$2,642$1,884$1,323$917$182
30 years$3,481$2,495$1,755$1,214$829$154
31 years$3,332$2,359$1,636$1,115$749$130
32 years$3,193$2,232$1,526$1,025$678$109
33 years$3,062$2,114$1,425$942$614$92
34 years$2,940$2,003$1,332$867$555$78
35 years$2,825$1,900$1,245$798$503$66
36 years$2,716$1,804$1,165$735$456$56
37 years$2,613$1,713$1,090$677$413$47
38 years$2,516$1,628$1,021$624$375$40
39 years$2,425$1,548$956$576$340$33
40 years$2,338$1,473$896$531$308$28
41 years$2,255$1,402$841$490$280$24
42 years$2,177$1,335$788$452$254$20
43 years$2,103$1,272$740$417$230$17
44 years$2,032$1,213$694$385$209$14
45 years$1,964$1,156$652$356$190$12
46 years$1,900$1,103$612$329$172$10
47 years$1,838$1,053$575$304$156$9
48 years$1,780$1,005$541$281$142$7
49 years$1,723$960$508$259$129$6
50 years$1,670$917$478$240$117$5

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 $5,206 every year, while hoping to spend $48,929 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: 42/47/11 Blend
34$1,710,000$1,710,000$1,710,000$1,710,000
35$1,889,790$1,799,160$1,772,655$1,962,861
36$2,030,488$1,835,259$1,779,979$2,050,607
37$2,183,898$1,871,486$1,785,908$2,140,261
38$2,351,264$1,907,798$1,790,345$2,236,249
39$2,533,957$1,944,144$1,793,185$2,339,170
40$2,733,485$1,980,470$1,794,320$2,449,684
41$2,951,507$2,016,721$1,793,637$2,568,518
42$3,189,853$2,052,833$1,791,017$2,696,473
43$3,450,536$2,088,738$1,786,333$2,834,435
44$3,735,770$2,124,366$1,779,455$2,983,378
45$4,047,996$2,159,638$1,770,244$3,144,378
46$4,389,902$2,194,470$1,758,557$3,318,621
47$4,764,446$2,228,773$1,744,243$3,507,416
48$5,174,886$2,262,450$1,727,142$3,712,204
49$5,624,813$2,295,398$1,707,089$3,934,578
50$6,118,177$2,327,506$1,683,911$4,176,293
51$6,659,334$2,358,656$1,657,424$4,439,285
52$7,253,077$2,388,721$1,627,438$4,725,688
53$7,904,688$2,417,566$1,593,755$5,037,859
54$8,619,985$2,445,046$1,556,165$5,378,395
55$9,405,376$2,471,006$1,514,449$5,750,162
56$10,267,921$2,495,282$1,468,380$6,156,320
57$11,215,397$2,517,699$1,417,718$6,600,354
58$12,256,370$2,538,068$1,362,214$7,086,109
59$13,400,277$2,556,191$1,301,606$7,617,826
60$14,657,517$2,571,856$1,235,621$8,200,181
61$16,039,542$2,584,836$1,163,973$8,838,332
62$17,558,974$2,594,891$1,086,365$9,537,968
63$19,229,715$2,601,766$1,002,483$10,305,363
64$21,067,082$2,605,189$912,003$11,147,435
65$23,087,953$2,604,872$814,584$12,071,816
66$25,310,922$2,600,509$709,870$13,086,919
67$27,756,476$2,591,773$597,490$14,202,026
68$30,447,187$2,578,320$477,057$15,427,369
69$33,407,926$2,559,785$348,165$16,774,233
70$36,666,098$2,535,777$210,391$18,255,063
71$40,251,895$2,505,885$63,295$19,883,581
72$44,198,588$2,469,674$0$21,674,918
73$48,542,836$2,426,679$0$23,656,754
74$53,325,030$2,376,412$0$25,845,134
75$58,589,680$2,318,352$0$28,252,964
76$64,385,826$2,251,951$0$30,902,672
77$70,767,510$2,176,626$0$33,818,982
78$77,794,277$2,091,761$0$37,029,152
79$85,531,741$1,996,705$0$40,563,228
80$94,052,203$1,890,769$0$44,454,335
81$103,435,334$1,773,222$0$48,738,986
82$113,768,923$1,643,295$0$53,457,434
83$125,149,708$1,500,172$0$58,654,051
84$137,684,289$1,342,991$0$64,377,751
85$151,490,130$1,170,841$0$70,682,451
86$166,696,672$982,760$0$77,627,586
87$183,446,549$777,732$0$85,278,673
88$201,896,938$554,682$0$93,707,928
89$222,221,040$312,476$0$102,994,958
90$244,609,715$49,916$0$113,227,508
91$269,273,282$0$0$124,502,299
92$296,443,504$0$0$137,047,098
93$326,375,775$0$0$150,895,948
94$359,351,532$0$0$166,153,288
95$395,680,907$0$0$182,962,653
96$435,705,657$0$0$201,482,218
97$479,802,389$0$0$221,886,286
98$528,386,112$0$0$244,366,934
99$581,914,157$0$0$269,135,829
100$640,890,491$0$0$296,426,220