Can I retire at age 35 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$142,862$141,589$140,348$139,136$137,953$135,779
2 years$70,724$69,406$68,130$66,892$65,692$63,508
3 years$46,681$45,358$44,085$42,859$41,678$39,551
4 years$34,662$33,343$32,082$30,877$29,725$27,672
5 years$27,452$26,141$24,897$23,717$22,596$20,623
6 years$22,647$21,346$20,121$18,966$17,880$15,988
7 years$19,217$17,927$16,720$15,593$14,541$12,732
8 years$16,645$15,366$14,180$13,081$12,063$10,336
9 years$14,646$13,379$12,213$11,142$10,159$8,513
10 years$13,047$11,793$10,648$9,604$8,656$7,090
11 years$11,740$10,499$9,374$8,359$7,444$5,957
12 years$10,652$9,423$8,319$7,332$6,451$5,040
13 years$9,732$8,516$7,433$6,473$5,626$4,289
14 years$8,943$7,741$6,678$5,746$4,931$3,667
15 years$8,261$7,071$6,030$5,124$4,342$3,148
16 years$7,665$6,488$5,467$4,588$3,837$2,711
17 years$7,139$5,975$4,975$4,123$3,402$2,341
18 years$6,672$5,521$4,541$3,715$3,025$2,027
19 years$6,255$5,117$4,157$3,357$2,697$1,758
20 years$5,880$4,755$3,815$3,040$2,409$1,527
21 years$5,541$4,429$3,509$2,759$2,155$1,329
22 years$5,233$4,134$3,234$2,509$1,932$1,158
23 years$4,953$3,867$2,986$2,285$1,734$1,010
24 years$4,696$3,623$2,762$2,084$1,559$882
25 years$4,460$3,400$2,558$1,903$1,403$770
26 years$4,243$3,195$2,372$1,740$1,264$674
27 years$4,042$3,007$2,203$1,593$1,139$589
28 years$3,856$2,834$2,048$1,459$1,028$516
29 years$3,683$2,673$1,906$1,338$928$452
30 years$3,522$2,525$1,775$1,228$839$396
31 years$3,371$2,387$1,655$1,128$758$347
32 years$3,230$2,258$1,544$1,037$686$304
33 years$3,098$2,139$1,442$953$621$267
34 years$2,974$2,027$1,347$877$562$234
35 years$2,858$1,922$1,259$807$509$205
36 years$2,748$1,825$1,178$744$461$180
37 years$2,644$1,733$1,103$685$418$158
38 years$2,546$1,647$1,033$632$379$139
39 years$2,453$1,566$968$582$344$122
40 years$2,365$1,490$907$537$312$107
41 years$2,282$1,418$850$496$283$94
42 years$2,203$1,351$798$457$257$83
43 years$2,127$1,287$748$422$233$72
44 years$2,055$1,227$703$390$211$64
45 years$1,987$1,170$660$360$192$56
46 years$1,922$1,116$620$333$174$49
47 years$1,860$1,065$582$307$158$43
48 years$1,800$1,017$547$284$144$38
49 years$1,743$971$514$262$130$33
50 years$1,689$927$483$242$119$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,730,000, adding $6,982 every year, while hoping to spend $20,536 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: 45/43/12 Blend
34$1,730,000$1,730,000$1,730,000$1,730,000
35$1,913,662$1,821,972$1,795,157$1,992,946
36$2,087,005$1,889,398$1,833,445$2,116,132
37$2,277,341$1,959,441$1,872,327$2,246,984
38$2,486,382$2,032,205$1,911,801$2,388,415
39$2,716,012$2,107,802$1,951,866$2,541,409
40$2,968,309$2,186,348$1,992,517$2,707,049
41$3,245,561$2,267,964$2,033,751$2,886,522
42$3,550,290$2,352,775$2,075,563$3,081,135
43$3,885,271$2,440,913$2,117,946$3,292,324
44$4,253,566$2,532,515$2,160,894$3,521,667
45$4,658,544$2,627,723$2,204,399$3,770,899
46$5,103,920$2,726,686$2,248,451$4,041,928
47$5,593,786$2,829,560$2,293,040$4,336,853
48$6,132,651$2,936,506$2,338,155$4,657,980
49$6,725,481$3,047,694$2,383,783$5,007,847
50$7,377,749$3,163,301$2,429,909$5,389,248
51$8,095,486$3,283,510$2,476,518$5,805,252
52$8,885,337$3,408,512$2,523,592$6,259,240
53$9,754,622$3,538,510$2,571,113$6,754,930
54$10,711,407$3,673,711$2,619,059$7,296,414
55$11,764,583$3,814,335$2,667,409$7,888,197
56$12,923,941$3,960,608$2,716,138$8,535,233
57$14,200,274$4,112,768$2,765,220$9,242,980
58$15,605,472$4,271,065$2,814,626$10,017,442
59$17,152,639$4,435,756$2,864,325$10,865,229
60$18,856,213$4,607,113$2,914,284$11,793,621
61$20,732,102$4,785,417$2,964,468$12,810,629
62$22,797,838$4,970,963$3,014,839$13,925,075
63$25,072,737$5,164,060$3,065,355$15,146,672
64$27,578,085$5,365,028$3,115,974$16,486,115
65$30,337,339$5,574,204$3,166,648$17,955,183
66$33,376,345$5,791,937$3,217,328$19,566,845
67$36,723,584$6,018,594$3,267,961$21,335,382
68$40,410,442$6,254,557$3,318,490$23,276,525
69$44,471,502$6,500,225$3,368,854$25,407,596
70$48,944,875$6,756,016$3,418,990$27,747,675
71$53,872,556$7,022,365$3,468,830$30,317,776
72$59,300,823$7,299,727$3,518,302$33,141,043
73$65,280,671$7,588,577$3,567,329$36,242,971
74$71,868,295$7,889,413$3,615,831$39,651,641
75$79,125,620$8,202,753$3,663,720$43,397,985
76$87,120,885$8,529,140$3,710,906$47,516,076
77$95,929,288$8,869,140$3,757,294$52,043,448
78$105,633,692$9,223,345$3,802,781$57,021,450
79$116,325,414$9,592,375$3,847,259$62,495,629
80$128,105,080$9,976,875$3,890,616$68,516,164
81$141,083,578$10,377,521$3,932,731$75,138,335
82$155,383,103$10,795,020$3,973,478$82,423,041
83$171,138,314$11,230,110$4,012,723$90,437,377
84$188,497,599$11,683,563$4,050,327$99,255,259
85$207,624,481$12,156,184$4,086,140$108,958,123
86$228,699,160$12,648,819$4,120,007$119,635,693
87$251,920,210$13,162,347$4,151,764$131,386,818
88$277,506,460$13,697,691$4,181,237$144,320,410
89$305,699,056$14,255,814$4,208,244$158,556,465
90$336,763,734$14,837,724$4,232,595$174,227,193
91$370,993,336$15,444,473$4,254,088$191,478,266
92$408,710,568$16,077,164$4,272,512$210,470,183
93$450,271,048$16,736,948$4,287,643$231,379,788
94$496,066,666$17,425,029$4,299,250$254,401,933
95$546,529,278$18,142,667$4,307,087$279,751,315
96$602,134,786$18,891,180$4,310,897$307,664,495
97$663,407,631$19,671,945$4,310,409$338,402,132
98$730,925,742$20,486,403$4,305,340$372,251,436
99$805,325,992$21,336,061$4,295,393$409,528,876
100$887,310,211$22,222,495$4,280,256$450,583,162