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%13.6%
1 years$142,862$141,589$140,348$139,136$137,953$135,891
2 years$70,724$69,406$68,130$66,892$65,692$63,619
3 years$46,681$45,358$44,085$42,859$41,678$39,659
4 years$34,662$33,343$32,082$30,877$29,725$27,775
5 years$27,452$26,141$24,897$23,717$22,596$20,722
6 years$22,647$21,346$20,121$18,966$17,880$16,082
7 years$19,217$17,927$16,720$15,593$14,541$12,821
8 years$16,645$15,366$14,180$13,081$12,063$10,421
9 years$14,646$13,379$12,213$11,142$10,159$8,593
10 years$13,047$11,793$10,648$9,604$8,656$7,166
11 years$11,740$10,499$9,374$8,359$7,444$6,028
12 years$10,652$9,423$8,319$7,332$6,451$5,107
13 years$9,732$8,516$7,433$6,473$5,626$4,351
14 years$8,943$7,741$6,678$5,746$4,931$3,726
15 years$8,261$7,071$6,030$5,124$4,342$3,202
16 years$7,665$6,488$5,467$4,588$3,837$2,762
17 years$7,139$5,975$4,975$4,123$3,402$2,388
18 years$6,672$5,521$4,541$3,715$3,025$2,070
19 years$6,255$5,117$4,157$3,357$2,697$1,798
20 years$5,880$4,755$3,815$3,040$2,409$1,565
21 years$5,541$4,429$3,509$2,759$2,155$1,364
22 years$5,233$4,134$3,234$2,509$1,932$1,190
23 years$4,953$3,867$2,986$2,285$1,734$1,039
24 years$4,696$3,623$2,762$2,084$1,559$909
25 years$4,460$3,400$2,558$1,903$1,403$795
26 years$4,243$3,195$2,372$1,740$1,264$697
27 years$4,042$3,007$2,203$1,593$1,139$610
28 years$3,856$2,834$2,048$1,459$1,028$535
29 years$3,683$2,673$1,906$1,338$928$470
30 years$3,522$2,525$1,775$1,228$839$412
31 years$3,371$2,387$1,655$1,128$758$362
32 years$3,230$2,258$1,544$1,037$686$318
33 years$3,098$2,139$1,442$953$621$279
34 years$2,974$2,027$1,347$877$562$245
35 years$2,858$1,922$1,259$807$509$216
36 years$2,748$1,825$1,178$744$461$189
37 years$2,644$1,733$1,103$685$418$167
38 years$2,546$1,647$1,033$632$379$146
39 years$2,453$1,566$968$582$344$129
40 years$2,365$1,490$907$537$312$113
41 years$2,282$1,418$850$496$283$100
42 years$2,203$1,351$798$457$257$88
43 years$2,127$1,287$748$422$233$77
44 years$2,055$1,227$703$390$211$68
45 years$1,987$1,170$660$360$192$60
46 years$1,922$1,116$620$333$174$53
47 years$1,860$1,065$582$307$158$46
48 years$1,800$1,017$547$284$144$41
49 years$1,743$971$514$262$130$36
50 years$1,689$927$483$242$119$32

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 $4,960 every year, while hoping to spend $47,625 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: 32/38/30 Blend
34$1,730,000$1,730,000$1,730,000$1,730,000
35$1,911,576$1,819,886$1,793,071$1,955,169
36$2,055,884$1,858,388$1,802,466$2,027,739
37$2,213,316$1,897,180$1,810,580$2,101,333
38$2,385,159$1,936,227$1,817,319$2,179,687
39$2,572,831$1,975,488$1,822,586$2,263,255
40$2,777,895$2,014,922$1,826,277$2,352,539
41$3,002,067$2,054,480$1,828,285$2,448,094
42$3,247,242$2,094,114$1,828,496$2,550,530
43$3,515,502$2,133,766$1,826,792$2,660,525
44$3,809,140$2,173,378$1,823,047$2,778,825
45$4,130,685$2,212,886$1,817,131$2,906,254
46$4,482,917$2,252,219$1,808,907$3,043,723
47$4,868,899$2,291,304$1,798,231$3,192,239
48$5,292,007$2,330,058$1,784,952$3,352,913
49$5,755,957$2,368,395$1,768,912$3,526,971
50$6,264,840$2,406,222$1,749,946$3,715,768
51$6,823,165$2,443,438$1,727,881$3,920,800
52$7,435,897$2,479,936$1,702,534$4,143,721
53$8,108,507$2,515,601$1,673,717$4,386,352
54$8,847,018$2,550,309$1,641,231$4,650,710
55$9,658,068$2,583,928$1,604,866$4,939,016
56$10,548,968$2,616,318$1,564,406$5,253,725
57$11,527,771$2,647,326$1,519,622$5,597,548
58$12,603,351$2,676,792$1,470,277$5,973,474
59$13,785,482$2,704,544$1,416,120$6,384,806
60$15,084,933$2,730,399$1,356,892$6,835,186
61$16,513,568$2,754,160$1,292,319$7,328,637
62$18,084,458$2,775,620$1,222,118$7,869,597
63$19,812,003$2,794,556$1,145,990$8,462,962
64$21,712,071$2,810,732$1,063,623$9,114,139
65$23,802,141$2,823,897$974,694$9,829,090
66$26,101,475$2,833,784$878,862$10,614,396
67$28,631,294$2,840,107$775,772$11,477,317
68$31,414,980$2,842,566$665,054$12,425,864
69$34,478,295$2,840,839$546,321$13,468,874
70$37,849,626$2,834,586$419,168$14,616,096
71$41,560,252$2,823,444$283,174$15,878,285
72$45,644,635$2,807,030$137,897$17,267,306
73$50,140,750$2,784,937$0$18,796,245
74$55,090,441$2,756,733$0$20,485,023
75$60,539,813$2,721,960$0$22,391,538
76$66,539,670$2,680,133$0$24,489,324
77$73,145,994$2,630,737$0$26,797,915
78$80,420,470$2,573,228$0$29,338,846
79$88,431,071$2,507,029$0$32,135,855
80$97,252,696$2,431,529$0$35,215,110
81$106,967,879$2,346,081$0$38,605,457
82$117,667,565$2,250,003$0$42,338,693
83$129,451,973$2,142,568$0$46,449,867
84$142,431,532$2,023,013$0$50,977,616
85$156,727,934$1,890,526$0$55,964,528
86$172,475,273$1,744,251$0$61,457,547
87$189,821,315$1,583,283$0$67,508,418
88$208,928,890$1,406,665$0$74,174,179
89$229,977,431$1,213,386$0$81,517,700
90$253,164,663$1,002,376$0$89,608,278
91$278,708,473$772,508$0$98,522,298
92$306,848,964$522,587$0$108,343,952
93$337,850,721$251,356$0$119,166,038
94$372,005,306$0$0$131,090,842
95$409,634,013$0$0$144,248,881
96$451,090,901$0$0$158,861,797
97$496,766,128$0$0$174,962,066
98$547,089,643$0$0$192,701,298
99$602,535,238$0$0$212,246,564
100$663,625,021$0$0$233,781,974