Can I retire at age 35 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$146,165$144,863$143,593$142,353$141,142$137,730
2 years$72,359$71,011$69,705$68,439$67,211$63,794
3 years$47,760$46,407$45,104$43,849$42,641$39,326
4 years$35,463$34,114$32,824$31,591$30,412$27,224
5 years$28,087$26,746$25,473$24,265$23,119$20,067
6 years$23,171$21,840$20,586$19,405$18,293$15,381
7 years$19,661$18,341$17,107$15,954$14,877$12,104
8 years$17,030$15,722$14,508$13,383$12,342$9,708
9 years$14,984$13,689$12,496$11,400$10,394$7,896
10 years$13,349$12,066$10,894$9,827$8,856$6,491
11 years$12,012$10,741$9,591$8,552$7,616$5,382
12 years$10,898$9,641$8,512$7,501$6,600$4,492
13 years$9,957$8,713$7,605$6,623$5,756$3,770
14 years$9,150$7,920$6,833$5,879$5,045$3,178
15 years$8,452$7,235$6,169$5,243$4,442$2,688
16 years$7,842$6,638$5,593$4,694$3,926$2,281
17 years$7,304$6,113$5,090$4,218$3,481$1,940
18 years$6,826$5,649$4,646$3,801$3,095$1,654
19 years$6,399$5,235$4,253$3,435$2,759$1,412
20 years$6,016$4,865$3,904$3,111$2,464$1,208
21 years$5,669$4,531$3,590$2,823$2,205$1,034
22 years$5,354$4,230$3,309$2,567$1,977$887
23 years$5,067$3,956$3,055$2,338$1,774$761
24 years$4,805$3,707$2,826$2,132$1,595$653
25 years$4,563$3,478$2,617$1,947$1,435$561
26 years$4,341$3,269$2,427$1,780$1,293$483
27 years$4,135$3,077$2,254$1,630$1,166$415
28 years$3,945$2,899$2,095$1,493$1,052$357
29 years$3,768$2,735$1,950$1,369$950$308
30 years$3,603$2,583$1,816$1,257$858$265
31 years$3,449$2,442$1,693$1,154$776$228
32 years$3,305$2,310$1,580$1,061$702$197
33 years$3,170$2,188$1,475$975$635$169
34 years$3,043$2,074$1,378$897$575$146
35 years$2,924$1,967$1,289$826$521$126
36 years$2,811$1,867$1,205$761$472$109
37 years$2,705$1,773$1,128$701$428$94
38 years$2,605$1,685$1,057$646$388$81
39 years$2,510$1,602$990$596$352$70
40 years$2,420$1,524$928$550$319$60
41 years$2,335$1,451$870$507$289$52
42 years$2,253$1,382$816$468$263$45
43 years$2,176$1,317$766$432$238$39
44 years$2,103$1,255$719$399$216$33
45 years$2,033$1,197$675$368$196$29
46 years$1,966$1,142$634$340$178$25
47 years$1,903$1,090$596$314$162$21
48 years$1,842$1,040$560$290$147$18
49 years$1,784$993$526$268$134$16
50 years$1,728$949$495$248$121$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,770,000, adding $4,639 every year, while hoping to spend $53,569 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: 33/37/30 Blend
34$1,770,000$1,770,000$1,770,000$1,770,000
35$1,955,325$1,861,515$1,834,080$2,001,944
36$2,097,771$1,895,732$1,838,525$2,072,225
37$2,252,952$1,929,831$1,841,323$2,142,872
38$2,422,108$1,963,748$1,842,363$2,217,988
39$2,606,609$1,997,417$1,841,527$2,298,011
40$2,807,958$2,030,765$1,838,693$2,383,420
41$3,027,812$2,063,715$1,833,732$2,474,748
42$3,267,994$2,096,183$1,826,508$2,572,585
43$3,530,513$2,128,079$1,816,879$2,677,580
44$3,817,577$2,159,308$1,804,697$2,790,456
45$4,131,622$2,189,765$1,789,806$2,912,008
46$4,475,325$2,219,341$1,772,042$3,043,118
47$4,851,638$2,247,919$1,751,235$3,184,760
48$5,263,809$2,275,371$1,727,206$3,338,011
49$5,715,417$2,301,564$1,699,767$3,504,062
50$6,210,402$2,326,353$1,668,721$3,684,230
51$6,753,104$2,349,585$1,633,864$3,879,970
52$7,348,303$2,371,097$1,594,981$4,092,891
53$8,001,262$2,390,713$1,551,845$4,324,768
54$8,717,782$2,408,249$1,504,223$4,577,567
55$9,504,249$2,423,507$1,451,868$4,853,457
56$10,367,700$2,436,276$1,394,523$5,154,835
57$11,315,884$2,446,332$1,331,918$5,484,350
58$12,357,338$2,453,437$1,263,772$5,844,928
59$13,501,470$2,457,338$1,189,791$6,239,799
60$14,758,638$2,457,766$1,109,667$6,672,531
61$16,140,259$2,454,436$1,023,081$7,147,066
62$17,658,906$2,447,044$929,695$7,667,755
63$19,328,434$2,435,269$829,159$8,239,403
64$21,164,106$2,418,769$721,107$8,867,314
65$23,182,738$2,397,181$605,157$9,557,346
66$25,402,856$2,370,123$480,910$10,315,962
67$27,844,875$2,337,186$347,948$11,150,299
68$30,531,284$2,297,940$205,835$12,068,234
69$33,486,862$2,251,926$54,119$13,078,461
70$36,738,914$2,198,662$0$14,190,573
71$40,317,521$2,137,635$0$15,449,661
72$44,255,830$2,068,301$0$16,853,637
73$48,590,363$1,990,086$0$18,398,214
74$53,361,362$1,902,382$0$20,097,792
75$58,613,169$1,804,546$0$21,968,242
76$64,394,642$1,695,899$0$24,027,070
77$70,759,617$1,575,720$0$26,293,571
78$77,767,417$1,443,249$0$28,789,022
79$85,483,407$1,297,682$0$31,536,880
80$93,979,615$1,138,169$0$34,563,009
81$103,335,409$963,812$0$37,895,919
82$113,638,245$773,663$0$41,567,047
83$124,984,492$566,719$0$45,611,046
84$137,480,344$341,922$0$50,066,123
85$151,242,817$98,154$0$54,974,395
86$166,400,856$0$0$60,382,296
87$183,096,550$0$0$66,408,502
88$201,486,473$0$0$73,090,625
89$221,743,162$0$0$80,451,442
90$244,056,743$0$0$88,560,086
91$268,636,726$0$0$97,492,745
92$295,713,982$0$0$107,333,370
93$325,542,922$0$0$118,174,474
94$358,403,896$0$0$130,118,003
95$394,605,842$0$0$143,276,299
96$434,489,195$0$0$157,773,159
97$478,429,107$0$0$173,745,002
98$526,838,984$0$0$191,342,161
99$580,174,387$0$0$210,730,298
100$638,937,332$0$0$232,091,970