Can I retire at age 35 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$145,339$144,045$142,781$141,549$140,345$139,695
2 years$71,950$70,610$69,311$68,052$66,831$66,175
3 years$47,490$46,144$44,849$43,602$42,400$41,758
4 years$35,263$33,921$32,639$31,413$30,240$29,617
5 years$27,928$26,595$25,329$24,128$22,988$22,386
6 years$23,040$21,716$20,470$19,295$18,190$17,610
7 years$19,550$18,237$17,010$15,864$14,793$14,235
8 years$16,933$15,633$14,426$13,308$12,272$11,736
9 years$14,900$13,611$12,425$11,335$10,335$9,821
10 years$13,273$11,998$10,833$9,771$8,806$8,314
11 years$11,944$10,681$9,537$8,504$7,573$7,103
12 years$10,836$9,586$8,464$7,459$6,563$6,113
13 years$9,900$8,663$7,562$6,585$5,723$5,294
14 years$9,099$7,875$6,794$5,846$5,017$4,608
15 years$8,404$7,194$6,134$5,213$4,417$4,028
16 years$7,797$6,600$5,562$4,668$3,904$3,534
17 years$7,263$6,078$5,061$4,194$3,461$3,110
18 years$6,788$5,617$4,620$3,780$3,078$2,744
19 years$6,363$5,206$4,229$3,415$2,743$2,427
20 years$5,982$4,837$3,881$3,093$2,450$2,151
21 years$5,637$4,506$3,570$2,807$2,193$1,910
22 years$5,324$4,206$3,290$2,552$1,966$1,698
23 years$5,039$3,934$3,038$2,325$1,764$1,512
24 years$4,777$3,686$2,810$2,120$1,586$1,348
25 years$4,538$3,459$2,602$1,936$1,427$1,203
26 years$4,316$3,251$2,414$1,770$1,285$1,074
27 years$4,112$3,059$2,241$1,620$1,159$960
28 years$3,923$2,883$2,084$1,485$1,046$859
29 years$3,747$2,720$1,939$1,361$944$769
30 years$3,583$2,568$1,806$1,250$853$689
31 years$3,429$2,428$1,684$1,148$771$617
32 years$3,286$2,297$1,571$1,055$698$553
33 years$3,152$2,176$1,467$970$631$496
34 years$3,026$2,062$1,370$892$572$445
35 years$2,907$1,956$1,281$821$518$400
36 years$2,795$1,856$1,199$757$469$359
37 years$2,690$1,763$1,122$697$425$322
38 years$2,590$1,676$1,051$642$386$289
39 years$2,496$1,593$984$592$350$260
40 years$2,406$1,516$923$546$317$234
41 years$2,321$1,443$865$504$288$210
42 years$2,241$1,374$811$465$261$189
43 years$2,164$1,309$761$429$237$170
44 years$2,091$1,248$715$397$215$153
45 years$2,022$1,190$671$366$195$137
46 years$1,955$1,135$630$338$177$123
47 years$1,892$1,083$592$313$161$111
48 years$1,832$1,034$557$289$146$100
49 years$1,774$988$523$267$133$90
50 years$1,718$944$492$247$121$81

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,760,000, adding $2,348 every year, while hoping to spend $52,746 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: 57/31/12 Blend
34$1,760,000$1,760,000$1,760,000$1,760,000
35$1,941,942$1,848,662$1,821,382$2,046,678
36$2,083,899$1,883,125$1,826,277$2,152,189
37$2,238,567$1,917,509$1,829,568$2,261,069
38$2,407,188$1,951,754$1,831,146$2,378,460
39$2,591,128$1,985,797$1,830,896$2,505,184
40$2,791,889$2,019,567$1,828,697$2,642,150
41$3,011,127$2,052,991$1,824,423$2,790,355
42$3,250,662$2,085,988$1,817,942$2,950,903
43$3,512,501$2,118,472$1,809,114$3,125,008
44$3,798,851$2,150,352$1,797,794$3,314,009
45$4,112,143$2,181,528$1,783,829$3,519,382
46$4,455,053$2,211,895$1,767,059$3,742,753
47$4,830,530$2,241,339$1,747,317$3,985,918
48$5,241,819$2,269,740$1,724,427$4,250,854
49$5,692,494$2,296,967$1,698,205$4,539,742
50$6,186,493$2,322,882$1,668,459$4,854,985
51$6,728,150$2,347,339$1,634,988$5,199,235
52$7,322,242$2,370,179$1,597,580$5,575,413
53$7,974,027$2,391,234$1,556,016$5,986,743
54$8,689,299$2,410,326$1,510,064$6,436,775
55$9,474,440$2,427,264$1,459,483$6,929,427
56$10,336,478$2,441,845$1,404,021$7,469,017
57$11,283,156$2,453,853$1,343,413$8,060,307
58$12,323,005$2,463,059$1,277,385$8,708,545
59$13,465,422$2,469,219$1,205,647$9,419,519
60$14,720,757$2,472,073$1,127,898$10,199,609
61$16,100,415$2,471,345$1,043,824$11,055,852
62$17,616,959$2,466,743$953,094$11,996,002
63$19,284,231$2,457,956$855,365$13,028,611
64$21,117,482$2,444,654$750,278$14,163,106
65$23,133,510$2,426,488$637,458$15,409,881
66$25,350,828$2,403,086$516,513$16,780,393
67$27,789,830$2,374,054$387,034$18,287,276
68$30,472,987$2,338,977$248,593$19,944,456
69$33,425,056$2,297,411$100,745$21,767,285
70$36,673,317$2,248,890$0$23,772,688
71$40,247,826$2,192,916$0$25,986,628
72$44,181,700$2,128,965$0$28,436,612
73$48,511,431$2,056,481$0$31,132,466
74$53,277,224$1,974,877$0$34,099,254
75$58,523,384$1,883,529$0$37,364,604
76$64,298,726$1,781,779$0$40,958,963
77$70,657,042$1,668,931$0$44,915,892
78$77,657,600$1,544,249$0$49,272,383
79$85,365,712$1,406,953$0$54,069,206
80$93,853,342$1,256,222$0$59,351,297
81$103,199,792$1,091,186$0$65,168,185
82$113,492,442$910,925$0$71,574,458
83$124,827,579$714,469$0$78,630,282
84$137,311,307$500,792$0$86,401,970
85$151,060,540$268,811$0$94,962,611
86$166,204,116$17,383$0$104,392,757
87$182,884,001$0$0$114,781,192
88$201,256,636$0$0$126,312,653
89$221,494,413$0$0$139,021,512
90$243,787,295$0$0$153,021,161
91$268,344,615$0$0$168,443,088
92$295,397,049$0$0$185,432,184
93$325,198,792$0$0$204,148,118
94$358,029,956$0$0$224,766,834
95$394,199,217$0$0$247,482,222
96$434,046,725$0$0$272,507,938
97$477,947,312$0$0$300,079,426
98$526,314,036$0$0$330,456,141
99$579,602,073$0$0$363,923,991
100$638,313,015$0$0$400,798,044