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%18.3%
1 years$141,210$139,952$138,725$137,527$136,358$131,782
2 years$69,906$68,604$67,342$66,119$64,932$60,367
3 years$46,141$44,834$43,575$42,363$41,196$36,785
4 years$34,261$32,957$31,711$30,520$29,381$25,158
5 years$27,135$25,839$24,609$23,442$22,335$18,312
6 years$22,385$21,099$19,888$18,747$17,673$13,852
7 years$18,994$17,719$16,527$15,413$14,373$10,754
8 years$16,452$15,189$14,016$12,930$11,924$8,504
9 years$14,476$13,225$12,072$11,013$10,041$6,816
10 years$12,896$11,657$10,525$9,493$8,556$5,521
11 years$11,604$10,377$9,266$8,262$7,358$4,507
12 years$10,529$9,314$8,223$7,247$6,377$3,703
13 years$9,619$8,417$7,347$6,398$5,560$3,057
14 years$8,840$7,651$6,601$5,679$4,874$2,535
15 years$8,166$6,989$5,960$5,065$4,292$2,108
16 years$7,576$6,413$5,404$4,535$3,793$1,758
17 years$7,056$5,906$4,917$4,075$3,363$1,470
18 years$6,595$5,457$4,489$3,672$2,990$1,231
19 years$6,182$5,058$4,109$3,318$2,665$1,032
20 years$5,812$4,700$3,771$3,005$2,381$867
21 years$5,477$4,378$3,469$2,727$2,131$729
22 years$5,173$4,086$3,197$2,480$1,910$613
23 years$4,895$3,822$2,952$2,258$1,714$516
24 years$4,642$3,581$2,730$2,060$1,541$435
25 years$4,409$3,361$2,529$1,881$1,386$367
26 years$4,194$3,158$2,345$1,720$1,249$309
27 years$3,995$2,972$2,178$1,574$1,126$261
28 years$3,811$2,801$2,024$1,443$1,016$220
29 years$3,640$2,642$1,884$1,323$917$186
30 years$3,481$2,495$1,755$1,214$829$157
31 years$3,332$2,359$1,636$1,115$749$132
32 years$3,193$2,232$1,526$1,025$678$112
33 years$3,062$2,114$1,425$942$614$95
34 years$2,940$2,003$1,332$867$555$80
35 years$2,825$1,900$1,245$798$503$67
36 years$2,716$1,804$1,165$735$456$57
37 years$2,613$1,713$1,090$677$413$48
38 years$2,516$1,628$1,021$624$375$41
39 years$2,425$1,548$956$576$340$34
40 years$2,338$1,473$896$531$308$29
41 years$2,255$1,402$841$490$280$25
42 years$2,177$1,335$788$452$254$21
43 years$2,103$1,272$740$417$230$18
44 years$2,032$1,213$694$385$209$15
45 years$1,964$1,156$652$356$190$13
46 years$1,900$1,103$612$329$172$11
47 years$1,838$1,053$575$304$156$9
48 years$1,780$1,005$541$281$142$8
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 $5,152 every year, while hoping to spend $50,984 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: 70/18/12 Blend
34$1,710,000$1,710,000$1,710,000$1,710,000
35$1,889,734$1,799,104$1,772,599$2,016,838
36$2,028,241$1,833,014$1,777,735$2,135,739
37$2,179,166$1,866,876$1,781,334$2,259,147
38$2,343,723$1,900,635$1,783,290$2,392,851
39$2,523,246$1,934,230$1,783,494$2,537,858
40$2,719,206$1,967,596$1,781,830$2,695,273
41$2,933,219$2,000,662$1,778,175$2,866,316
42$3,167,066$2,033,353$1,772,403$3,052,331
43$3,422,708$2,065,588$1,764,379$3,254,797
44$3,702,301$2,097,279$1,753,963$3,475,346
45$4,008,223$2,128,334$1,741,008$3,715,776
46$4,343,090$2,158,650$1,725,360$3,978,067
47$4,709,784$2,188,123$1,706,858$4,264,401
48$5,111,477$2,216,635$1,685,333$4,577,183
49$5,551,663$2,244,066$1,660,607$4,919,065
50$6,034,191$2,270,284$1,632,496$5,292,966
51$6,563,299$2,295,148$1,600,805$5,702,107
52$7,143,655$2,318,510$1,565,332$6,150,035
53$7,780,401$2,340,210$1,525,863$6,640,659
54$8,479,199$2,360,078$1,482,177$7,178,290
55$9,246,289$2,377,933$1,434,042$7,767,676
56$10,088,542$2,393,583$1,381,213$8,414,053
57$11,013,527$2,406,822$1,323,438$9,123,188
58$12,029,583$2,417,433$1,260,449$9,901,442
59$13,145,896$2,425,183$1,191,970$10,755,821
60$14,372,586$2,429,825$1,117,709$11,694,050
61$15,720,801$2,431,098$1,037,364$12,724,642
62$17,202,824$2,428,723$950,617$13,856,980
63$18,832,186$2,422,404$857,136$15,101,406
64$20,623,795$2,411,828$756,576$16,469,317
65$22,594,076$2,396,662$648,576$17,973,277
66$24,761,125$2,376,552$532,756$19,627,132
67$27,144,880$2,351,124$408,725$21,446,142
68$29,767,310$2,319,980$276,069$23,447,128
69$32,652,617$2,282,701$134,359$25,648,628
70$35,827,471$2,238,840$0$28,071,076
71$39,321,254$2,187,925$0$30,739,150
72$43,166,344$2,129,455$0$33,694,011
73$47,398,414$2,062,901$0$36,945,856
74$52,056,773$1,987,704$0$40,524,900
75$57,184,731$1,903,268$0$44,464,443
76$62,830,012$1,808,968$0$48,801,180
77$69,045,205$1,704,138$0$53,575,550
78$75,888,253$1,588,078$0$58,832,121
79$83,423,005$1,460,045$0$64,620,003
80$91,719,818$1,319,253$0$70,993,323
81$100,856,218$1,164,875$0$78,011,725
82$110,917,631$996,032$0$85,740,944
83$121,998,191$811,800$0$94,253,419
84$134,201,628$611,200$0$103,628,981
85$147,642,244$393,198$0$113,955,607
86$162,445,992$156,704$0$125,330,253
87$178,751,666$0$0$137,859,765
88$196,712,209$0$0$151,681,589
89$216,496,154$0$0$166,940,966
90$238,289,221$0$0$183,750,116
91$262,296,059$0$0$202,266,906
92$288,742,187$0$0$222,665,298
93$317,876,116$0$0$245,136,993
94$349,971,696$0$0$269,893,235
95$385,330,699$0$0$297,166,810
96$424,285,671$0$0$327,214,240
97$467,203,064$0$0$360,318,206
98$514,486,699$0$0$396,790,211
99$566,581,575$0$0$436,973,527
100$623,978,072$0$0$481,246,428