Can I retire at age 35 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$144,513$143,226$141,970$140,744$139,547$136,064
2 years$71,541$70,209$68,918$67,666$66,451$62,963
3 years$47,220$45,882$44,594$43,354$42,159$38,776
4 years$35,062$33,728$32,453$31,234$30,068$26,817
5 years$27,769$26,443$25,185$23,991$22,858$19,746
6 years$22,909$21,593$20,353$19,186$18,086$15,118
7 years$19,439$18,134$16,914$15,774$14,709$11,884
8 years$16,837$15,544$14,344$13,232$12,203$9,520
9 years$14,815$13,534$12,355$11,271$10,276$7,734
10 years$13,198$11,929$10,771$9,716$8,756$6,350
11 years$11,876$10,620$9,483$8,455$7,530$5,258
12 years$10,775$9,532$8,416$7,417$6,526$4,383
13 years$9,844$8,614$7,519$6,548$5,691$3,673
14 years$9,047$7,830$6,756$5,812$4,988$3,092
15 years$8,357$7,153$6,099$5,184$4,392$2,612
16 years$7,753$6,563$5,530$4,641$3,882$2,213
17 years$7,221$6,044$5,032$4,170$3,442$1,880
18 years$6,749$5,585$4,594$3,758$3,060$1,600
19 years$6,327$5,176$4,205$3,396$2,728$1,365
20 years$5,948$4,810$3,859$3,076$2,436$1,165
21 years$5,605$4,480$3,550$2,791$2,180$996
22 years$5,294$4,182$3,272$2,538$1,954$853
23 years$5,010$3,911$3,021$2,311$1,754$731
24 years$4,750$3,665$2,794$2,108$1,577$626
25 years$4,512$3,439$2,588$1,925$1,419$537
26 years$4,292$3,232$2,400$1,760$1,278$461
27 years$4,089$3,042$2,229$1,611$1,152$396
28 years$3,900$2,866$2,072$1,476$1,040$340
29 years$3,725$2,704$1,928$1,354$939$293
30 years$3,562$2,554$1,796$1,242$848$252
31 years$3,410$2,414$1,674$1,141$767$216
32 years$3,268$2,284$1,562$1,049$694$186
33 years$3,134$2,163$1,458$964$628$160
34 years$3,009$2,050$1,363$887$568$138
35 years$2,891$1,945$1,274$817$515$119
36 years$2,779$1,846$1,192$752$467$102
37 years$2,674$1,753$1,116$693$423$88
38 years$2,575$1,666$1,045$639$383$76
39 years$2,481$1,584$979$589$348$65
40 years$2,393$1,507$917$543$315$56
41 years$2,308$1,435$860$501$286$48
42 years$2,228$1,366$807$463$260$42
43 years$2,152$1,302$757$427$236$36
44 years$2,079$1,241$711$394$214$31
45 years$2,010$1,183$667$364$194$27
46 years$1,944$1,129$627$336$176$23
47 years$1,881$1,077$589$311$160$20
48 years$1,821$1,028$553$287$145$17
49 years$1,764$982$520$265$132$15
50 years$1,709$938$489$245$120$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,750,000, adding $4,016 every year, while hoping to spend $38,494 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: 57/19/24 Blend
34$1,750,000$1,750,000$1,750,000$1,750,000
35$1,932,643$1,839,893$1,812,768$2,030,005
36$2,088,815$1,889,090$1,832,538$2,146,217
37$2,259,626$1,939,408$1,851,680$2,268,385
38$2,446,530$1,990,861$1,870,133$2,400,719
39$2,651,125$2,043,462$1,887,832$2,544,211
40$2,875,173$2,097,224$1,904,707$2,699,953
41$3,120,613$2,152,161$1,920,688$2,869,147
42$3,389,581$2,208,283$1,935,697$3,053,119
43$3,684,431$2,265,601$1,949,654$3,253,329
44$4,007,752$2,324,124$1,962,477$3,471,385
45$4,362,398$2,383,861$1,974,075$3,709,061
46$4,751,512$2,444,821$1,984,357$3,968,308
47$5,178,557$2,507,007$1,993,223$4,251,278
48$5,647,346$2,570,427$2,000,572$4,560,343
49$6,162,079$2,635,082$2,006,295$4,898,115
50$6,727,384$2,700,974$2,010,279$5,267,473
51$7,348,359$2,768,103$2,012,405$5,671,589
52$8,030,619$2,836,468$2,012,548$6,113,960
53$8,780,351$2,906,063$2,010,577$6,598,439
54$9,604,369$2,976,882$2,006,353$7,129,270
55$10,510,182$3,048,917$1,999,734$7,711,133
56$11,506,062$3,122,156$1,990,567$8,349,184
57$12,601,123$3,196,584$1,978,694$9,049,106
58$13,805,406$3,272,185$1,963,948$9,817,162
59$15,129,974$3,348,938$1,946,156$10,660,253
60$16,587,014$3,426,819$1,925,136$11,585,985
61$18,189,957$3,505,800$1,900,695$12,602,742
62$19,953,598$3,585,850$1,872,634$13,719,762
63$21,894,241$3,666,933$1,840,743$14,947,226
64$24,029,849$3,749,008$1,804,804$16,296,356
65$26,380,215$3,832,031$1,764,585$17,779,518
66$28,967,146$3,915,950$1,719,849$19,410,342
67$31,814,673$4,000,709$1,670,342$21,203,848
68$34,949,274$4,086,248$1,615,802$23,176,592
69$38,400,123$4,172,498$1,555,955$25,346,817
70$42,199,368$4,259,383$1,490,512$27,734,631
71$46,382,434$4,346,822$1,419,174$30,362,194
72$50,988,351$4,434,726$1,341,626$33,253,928
73$56,060,133$4,522,997$1,257,540$36,436,751
74$61,645,171$4,611,529$1,166,572$39,940,325
75$67,795,691$4,700,206$1,068,365$43,797,344
76$74,569,239$4,788,904$962,543$48,043,837
77$82,029,228$4,877,487$848,715$52,719,514
78$90,245,535$4,965,810$726,472$57,868,135
79$99,295,159$5,053,714$595,389$63,537,930
80$109,262,949$5,141,029$455,018$69,782,052
81$120,242,404$5,227,574$304,895$76,659,081
82$132,336,553$5,313,149$144,533$84,233,573
83$145,658,933$5,397,545$0$92,576,678
84$160,334,654$5,480,534$0$101,773,618
85$176,501,581$5,561,873$0$111,943,937
86$194,311,637$5,641,300$0$123,145,959
87$213,932,237$5,718,536$0$135,484,787
88$235,547,863$5,793,282$0$149,076,241
89$259,361,811$5,865,219$0$164,047,955
90$285,598,105$5,934,004$0$180,540,579
91$314,503,616$5,999,274$0$198,709,107
92$346,350,385$6,060,639$0$218,724,342
93$381,438,198$6,117,684$0$240,774,506
94$420,097,410$6,169,967$0$265,067,020
95$462,692,067$6,217,016$0$291,830,460
96$509,623,336$6,258,329$0$321,316,714
97$561,333,301$6,293,371$0$353,803,364
98$618,309,126$6,321,575$0$389,596,304
99$681,087,661$6,342,335$0$429,032,627
100$750,260,502$6,355,009$0$472,483,811