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

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$144,513$143,226$141,970$140,744$139,547$137,462
2 years$71,541$70,209$68,918$67,666$66,451$64,355
3 years$47,220$45,882$44,594$43,354$42,159$40,117
4 years$35,062$33,728$32,453$31,234$30,068$28,096
5 years$27,769$26,443$25,185$23,991$22,858$20,961
6 years$22,909$21,593$20,353$19,186$18,086$16,268
7 years$19,439$18,134$16,914$15,774$14,709$12,969
8 years$16,837$15,544$14,344$13,232$12,203$10,541
9 years$14,815$13,534$12,355$11,271$10,276$8,693
10 years$13,198$11,929$10,771$9,716$8,756$7,248
11 years$11,876$10,620$9,483$8,455$7,530$6,098
12 years$10,775$9,532$8,416$7,417$6,526$5,166
13 years$9,844$8,614$7,519$6,548$5,691$4,402
14 years$9,047$7,830$6,756$5,812$4,988$3,769
15 years$8,357$7,153$6,099$5,184$4,392$3,239
16 years$7,753$6,563$5,530$4,641$3,882$2,794
17 years$7,221$6,044$5,032$4,170$3,442$2,416
18 years$6,749$5,585$4,594$3,758$3,060$2,094
19 years$6,327$5,176$4,205$3,396$2,728$1,819
20 years$5,948$4,810$3,859$3,076$2,436$1,583
21 years$5,605$4,480$3,550$2,791$2,180$1,379
22 years$5,294$4,182$3,272$2,538$1,954$1,204
23 years$5,010$3,911$3,021$2,311$1,754$1,051
24 years$4,750$3,665$2,794$2,108$1,577$919
25 years$4,512$3,439$2,588$1,925$1,419$805
26 years$4,292$3,232$2,400$1,760$1,278$705
27 years$4,089$3,042$2,229$1,611$1,152$617
28 years$3,900$2,866$2,072$1,476$1,040$541
29 years$3,725$2,704$1,928$1,354$939$475
30 years$3,562$2,554$1,796$1,242$848$417
31 years$3,410$2,414$1,674$1,141$767$366
32 years$3,268$2,284$1,562$1,049$694$321
33 years$3,134$2,163$1,458$964$628$282
34 years$3,009$2,050$1,363$887$568$248
35 years$2,891$1,945$1,274$817$515$218
36 years$2,779$1,846$1,192$752$467$192
37 years$2,674$1,753$1,116$693$423$169
38 years$2,575$1,666$1,045$639$383$148
39 years$2,481$1,584$979$589$348$130
40 years$2,393$1,507$917$543$315$115
41 years$2,308$1,435$860$501$286$101
42 years$2,228$1,366$807$463$260$89
43 years$2,152$1,302$757$427$236$78
44 years$2,079$1,241$711$394$214$69
45 years$2,010$1,183$667$364$194$60
46 years$1,944$1,129$627$336$176$53
47 years$1,881$1,077$589$311$160$47
48 years$1,821$1,028$553$287$145$41
49 years$1,764$982$520$265$132$36
50 years$1,709$938$489$245$120$32

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 $6,080 every year, while hoping to spend $24,314 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: 71/14/15 Blend
34$1,750,000$1,750,000$1,750,000$1,750,000
35$1,934,772$1,842,022$1,814,897$2,065,149
36$2,106,248$1,906,411$1,849,826$2,216,896
37$2,294,401$1,973,140$1,885,110$2,379,449
38$2,500,904$2,042,298$1,920,736$2,556,772
39$2,727,604$2,113,979$1,956,688$2,750,320
40$2,976,533$2,188,277$1,992,950$2,961,695
41$3,249,930$2,265,293$2,029,505$3,192,662
42$3,550,262$2,345,131$2,066,332$3,445,162
43$3,880,246$2,427,900$2,103,412$3,721,335
44$4,242,876$2,513,713$2,140,721$4,023,536
45$4,641,450$2,602,685$2,178,236$4,354,358
46$5,079,602$2,694,940$2,215,930$4,716,659
47$5,561,333$2,790,604$2,253,776$5,113,586
48$6,091,055$2,889,810$2,291,744$5,548,603
49$6,673,626$2,992,694$2,329,801$6,025,527
50$7,314,400$3,099,400$2,367,913$6,548,563
51$8,019,275$3,210,077$2,406,044$7,122,343
52$8,794,750$3,324,879$2,444,155$7,751,967
53$9,647,984$3,443,968$2,482,204$8,443,056
54$10,586,868$3,567,512$2,520,147$9,201,799
55$11,620,093$3,695,685$2,557,937$10,035,018
56$12,757,239$3,828,670$2,595,525$10,950,224
57$14,008,858$3,966,656$2,632,855$11,955,696
58$15,386,580$4,109,840$2,669,874$13,060,551
59$16,903,217$4,258,427$2,706,521$14,274,837
60$18,572,887$4,412,633$2,742,732$15,609,621
61$20,411,149$4,572,679$2,778,440$17,077,098
62$22,435,144$4,738,798$2,813,576$18,690,705
63$24,663,762$4,911,232$2,848,063$20,465,244
64$27,117,815$5,090,233$2,881,823$22,417,025
65$29,820,240$5,276,062$2,914,773$24,564,019
66$32,796,310$5,468,994$2,946,822$26,926,026
67$36,073,872$5,669,313$2,977,879$29,524,864
68$39,683,614$5,877,317$3,007,846$32,384,571
69$43,659,351$6,093,314$3,036,617$35,531,635
70$48,038,346$6,317,627$3,064,085$38,995,240
71$52,861,660$6,550,593$3,090,134$42,807,545
72$58,174,538$6,792,561$3,114,642$47,003,986
73$64,026,841$7,043,897$3,137,483$51,623,607
74$70,473,512$7,304,981$3,158,522$56,709,432
75$77,575,095$7,576,210$3,177,617$62,308,868
76$85,398,308$7,857,997$3,194,620$68,474,156
77$94,016,671$8,150,775$3,209,376$75,262,858
78$103,511,201$8,454,992$3,221,719$82,738,404
79$113,971,175$8,771,118$3,231,479$90,970,689
80$125,494,974$9,099,643$3,238,472$100,036,732
81$138,191,011$9,441,075$3,242,511$110,021,403
82$152,178,753$9,795,947$3,243,394$121,018,223
83$167,589,852$10,164,813$3,240,913$133,130,248
84$184,569,381$10,548,254$3,234,849$146,471,039
85$203,277,212$10,946,872$3,224,970$161,165,734
86$223,889,516$11,361,298$3,211,036$177,352,229
87$246,600,434$11,792,189$3,192,792$195,182,482
88$271,623,902$12,240,230$3,169,975$214,823,940
89$299,195,676$12,706,137$3,142,305$236,461,125
90$329,575,554$13,190,657$3,109,491$260,297,375
91$363,049,830$13,694,569$3,071,229$286,556,757
92$399,933,996$14,218,685$3,027,198$315,486,191
93$440,575,719$14,763,856$2,977,064$347,357,769
94$485,358,124$15,330,967$2,920,477$382,471,334
95$534,703,410$15,920,941$2,857,071$421,157,302
96$589,076,836$16,534,746$2,786,461$463,779,784
97$648,991,113$17,173,388$2,708,247$510,740,019
98$715,011,241$17,837,919$2,622,008$562,480,168
99$787,759,848$18,529,437$2,527,306$619,487,478
100$867,923,063$19,249,091$2,423,681$682,298,890