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%12%
1 years$144,513$143,226$141,970$140,744$139,547$138,378
2 years$71,541$70,209$68,918$67,666$66,451$65,273
3 years$47,220$45,882$44,594$43,354$42,159$41,008
4 years$35,062$33,728$32,453$31,234$30,068$28,953
5 years$27,769$26,443$25,185$23,991$22,858$21,782
6 years$22,909$21,593$20,353$19,186$18,086$17,052
7 years$19,439$18,134$16,914$15,774$14,709$13,716
8 years$16,837$15,544$14,344$13,232$12,203$11,251
9 years$14,815$13,534$12,355$11,271$10,276$9,365
10 years$13,198$11,929$10,771$9,716$8,756$7,885
11 years$11,876$10,620$9,483$8,455$7,530$6,700
12 years$10,775$9,532$8,416$7,417$6,526$5,734
13 years$9,844$8,614$7,519$6,548$5,691$4,937
14 years$9,047$7,830$6,756$5,812$4,988$4,272
15 years$8,357$7,153$6,099$5,184$4,392$3,712
16 years$7,753$6,563$5,530$4,641$3,882$3,237
17 years$7,221$6,044$5,032$4,170$3,442$2,831
18 years$6,749$5,585$4,594$3,758$3,060$2,482
19 years$6,327$5,176$4,205$3,396$2,728$2,181
20 years$5,948$4,810$3,859$3,076$2,436$1,921
21 years$5,605$4,480$3,550$2,791$2,180$1,694
22 years$5,294$4,182$3,272$2,538$1,954$1,496
23 years$5,010$3,911$3,021$2,311$1,754$1,323
24 years$4,750$3,665$2,794$2,108$1,577$1,171
25 years$4,512$3,439$2,588$1,925$1,419$1,038
26 years$4,292$3,232$2,400$1,760$1,278$920
27 years$4,089$3,042$2,229$1,611$1,152$817
28 years$3,900$2,866$2,072$1,476$1,040$726
29 years$3,725$2,704$1,928$1,354$939$645
30 years$3,562$2,554$1,796$1,242$848$573
31 years$3,410$2,414$1,674$1,141$767$510
32 years$3,268$2,284$1,562$1,049$694$454
33 years$3,134$2,163$1,458$964$628$404
34 years$3,009$2,050$1,363$887$568$360
35 years$2,891$1,945$1,274$817$515$321
36 years$2,779$1,846$1,192$752$467$286
37 years$2,674$1,753$1,116$693$423$255
38 years$2,575$1,666$1,045$639$383$227
39 years$2,481$1,584$979$589$348$202
40 years$2,393$1,507$917$543$315$180
41 years$2,308$1,435$860$501$286$161
42 years$2,228$1,366$807$463$260$143
43 years$2,152$1,302$757$427$236$128
44 years$2,079$1,241$711$394$214$114
45 years$2,010$1,183$667$364$194$102
46 years$1,944$1,129$627$336$176$91
47 years$1,881$1,077$589$311$160$81
48 years$1,821$1,028$553$287$145$72
49 years$1,764$982$520$265$132$65
50 years$1,709$938$489$245$120$58

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 $3,753 every year, while hoping to spend $41,578 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: 23/49/28 Blend
34$1,750,000$1,750,000$1,750,000$1,750,000
35$1,932,371$1,839,621$1,812,496$1,959,643
36$2,085,234$1,885,524$1,828,976$2,029,486
37$2,252,296$1,932,282$1,844,615$2,100,468
38$2,434,961$1,979,895$1,859,340$2,175,582
39$2,634,774$2,028,357$1,873,075$2,255,197
40$2,853,440$2,077,665$1,885,742$2,339,717
41$3,092,831$2,127,811$1,897,255$2,429,590
42$3,355,014$2,178,788$1,907,526$2,525,310
43$3,642,260$2,230,583$1,916,463$2,627,420
44$3,957,074$2,283,185$1,923,968$2,736,521
45$4,302,213$2,336,579$1,929,939$2,853,274
46$4,680,714$2,390,747$1,934,267$2,978,409
47$5,095,922$2,445,669$1,936,840$3,112,731
48$5,551,522$2,501,321$1,937,540$3,257,127
49$6,051,570$2,557,679$1,936,240$3,412,577
50$6,600,538$2,614,713$1,932,812$3,580,161
51$7,203,349$2,672,391$1,927,118$3,761,071
52$7,865,429$2,730,676$1,919,014$3,956,621
53$8,592,751$2,789,528$1,908,350$4,168,263
54$9,391,899$2,848,902$1,894,967$4,397,596
55$10,270,125$2,908,751$1,878,701$4,646,385
56$11,235,419$2,969,020$1,859,378$4,916,578
57$12,296,581$3,029,651$1,836,816$5,210,324
58$13,463,308$3,090,580$1,810,826$5,529,992
59$14,746,285$3,151,738$1,781,208$5,878,197
60$16,157,282$3,213,049$1,747,754$6,257,823
61$17,709,267$3,274,431$1,710,246$6,672,053
62$19,416,528$3,335,794$1,668,456$7,124,395
63$21,294,809$3,397,043$1,622,144$7,618,723
64$23,361,455$3,458,074$1,571,062$8,159,306
65$25,635,579$3,518,775$1,514,947$8,750,857
66$28,138,237$3,579,024$1,453,527$9,398,570
67$30,892,633$3,638,692$1,386,516$10,108,179
68$33,924,333$3,697,639$1,313,616$10,886,004
69$37,261,507$3,755,716$1,234,514$11,739,019
70$40,935,195$3,812,760$1,148,884$12,674,914
71$44,979,599$3,868,599$1,056,386$13,702,171
72$49,432,406$3,923,048$956,663$14,830,144
73$54,335,143$3,975,909$849,343$16,069,148
74$59,733,569$4,026,970$734,037$17,430,562
75$65,678,106$4,076,005$610,341$18,926,931
76$72,224,316$4,122,772$477,830$20,572,091
77$79,433,420$4,167,012$336,061$22,381,299
78$87,372,883$4,208,449$184,573$24,371,380
79$96,117,045$4,246,791$22,884$26,560,885
80$105,747,823$4,281,724$0$28,970,271
81$116,355,486$4,312,913$0$31,666,809
82$128,039,504$4,340,005$0$34,640,857
83$140,909,489$4,362,620$0$37,913,158
84$155,086,226$4,380,357$0$41,514,119
85$170,702,815$4,392,789$0$45,477,254
86$187,905,926$4,399,460$0$49,839,502
87$206,857,185$4,399,887$0$54,641,580
88$227,734,695$4,393,559$0$59,928,365
89$250,734,720$4,379,930$0$65,749,321
90$276,073,537$4,358,422$0$72,158,965
91$303,989,476$4,328,423$0$79,217,390
92$334,745,168$4,289,281$0$86,990,824
93$368,630,027$4,240,308$0$95,552,267
94$405,962,978$4,180,771$0$104,982,177
95$447,095,470$4,109,897$0$115,369,230
96$492,414,791$4,026,865$0$126,811,166
97$542,347,723$3,930,805$0$139,415,708
98$597,364,573$3,820,797$0$153,301,585
99$657,983,609$3,695,865$0$168,599,653
100$724,775,954$3,554,980$0$185,454,138