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%16.7%
1 years$146,165$144,863$143,593$142,353$141,142$137,285
2 years$72,359$71,011$69,705$68,439$67,211$63,353
3 years$47,760$46,407$45,104$43,849$42,641$38,903
4 years$35,463$34,114$32,824$31,591$30,412$26,823
5 years$28,087$26,746$25,473$24,265$23,119$19,688
6 years$23,171$21,840$20,586$19,405$18,293$15,024
7 years$19,661$18,341$17,107$15,954$14,877$11,771
8 years$17,030$15,722$14,508$13,383$12,342$9,396
9 years$14,984$13,689$12,496$11,400$10,394$7,605
10 years$13,349$12,066$10,894$9,827$8,856$6,222
11 years$12,012$10,741$9,591$8,552$7,616$5,132
12 years$10,898$9,641$8,512$7,501$6,600$4,261
13 years$9,957$8,713$7,605$6,623$5,756$3,557
14 years$9,150$7,920$6,833$5,879$5,045$2,982
15 years$8,452$7,235$6,169$5,243$4,442$2,508
16 years$7,842$6,638$5,593$4,694$3,926$2,116
17 years$7,304$6,113$5,090$4,218$3,481$1,790
18 years$6,826$5,649$4,646$3,801$3,095$1,517
19 years$6,399$5,235$4,253$3,435$2,759$1,287
20 years$6,016$4,865$3,904$3,111$2,464$1,094
21 years$5,669$4,531$3,590$2,823$2,205$931
22 years$5,354$4,230$3,309$2,567$1,977$794
23 years$5,067$3,956$3,055$2,338$1,774$677
24 years$4,805$3,707$2,826$2,132$1,595$577
25 years$4,563$3,478$2,617$1,947$1,435$493
26 years$4,341$3,269$2,427$1,780$1,293$421
27 years$4,135$3,077$2,254$1,630$1,166$360
28 years$3,945$2,899$2,095$1,493$1,052$308
29 years$3,768$2,735$1,950$1,369$950$263
30 years$3,603$2,583$1,816$1,257$858$225
31 years$3,449$2,442$1,693$1,154$776$193
32 years$3,305$2,310$1,580$1,061$702$165
33 years$3,170$2,188$1,475$975$635$141
34 years$3,043$2,074$1,378$897$575$121
35 years$2,924$1,967$1,289$826$521$103
36 years$2,811$1,867$1,205$761$472$89
37 years$2,705$1,773$1,128$701$428$76
38 years$2,605$1,685$1,057$646$388$65
39 years$2,510$1,602$990$596$352$56
40 years$2,420$1,524$928$550$319$48
41 years$2,335$1,451$870$507$289$41
42 years$2,253$1,382$816$468$263$35
43 years$2,176$1,317$766$432$238$30
44 years$2,103$1,255$719$399$216$26
45 years$2,033$1,197$675$368$196$22
46 years$1,966$1,142$634$340$178$19
47 years$1,903$1,090$596$314$162$16
48 years$1,842$1,040$560$290$147$14
49 years$1,784$993$526$268$134$12
50 years$1,728$949$495$248$121$10

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 $2,815 every year, while hoping to spend $40,838 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: 38/42/20 Blend
34$1,770,000$1,770,000$1,770,000$1,770,000
35$1,953,444$1,859,634$1,832,199$2,015,865
36$2,109,244$1,907,304$1,850,126$2,108,878
37$2,279,566$1,955,942$1,867,285$2,205,268
38$2,465,850$2,005,552$1,883,607$2,308,600
39$2,669,679$2,056,135$1,899,020$2,419,524
40$2,892,796$2,107,696$1,913,447$2,538,754
41$3,137,121$2,160,233$1,926,808$2,667,078
42$3,404,769$2,213,746$1,939,017$2,805,365
43$3,698,069$2,268,233$1,949,988$2,954,569
44$4,019,585$2,323,689$1,959,625$3,115,744
45$4,372,141$2,380,108$1,967,831$3,290,050
46$4,758,848$2,437,483$1,974,502$3,478,764
47$5,183,133$2,495,802$1,979,531$3,683,295
48$5,648,770$2,555,054$1,982,802$3,905,193
49$6,159,917$2,615,223$1,984,198$4,146,170
50$6,721,151$2,676,292$1,983,592$4,408,108
51$7,337,519$2,738,241$1,980,852$4,693,085
52$8,014,577$2,801,045$1,975,842$5,003,389
53$8,758,446$2,864,679$1,968,415$5,341,541
54$9,575,872$2,929,112$1,958,421$5,710,321
55$10,474,282$2,994,311$1,945,700$6,112,793
56$11,461,864$3,060,236$1,930,085$6,552,333
57$12,547,633$3,126,847$1,911,402$7,032,664
58$13,741,526$3,194,097$1,889,468$7,557,887
59$15,054,488$3,261,934$1,864,092$8,132,524
60$16,498,578$3,330,302$1,835,072$8,761,559
61$18,087,085$3,399,138$1,802,199$9,450,485
62$19,834,648$3,468,376$1,765,252$10,205,359
63$21,757,396$3,537,940$1,724,002$11,032,854
64$23,873,102$3,607,751$1,678,208$11,940,328
65$26,201,349$3,677,722$1,627,619$12,935,890
66$28,763,713$3,747,756$1,571,970$14,028,481
67$31,583,967$3,817,751$1,510,986$15,227,953
68$34,688,307$3,887,596$1,444,380$16,545,167
69$38,105,597$3,957,172$1,371,849$17,992,097
70$41,867,642$4,026,347$1,293,080$19,581,938
71$46,009,487$4,094,983$1,207,744$21,329,237
72$50,569,747$4,162,930$1,115,495$23,250,028
73$55,590,973$4,230,026$1,015,977$25,361,983
74$61,120,053$4,296,097$908,812$27,684,584
75$67,208,651$4,360,959$793,610$30,239,303
76$73,913,698$4,424,410$669,961$33,049,809
77$81,297,927$4,486,239$537,437$36,142,189
78$89,430,466$4,546,215$395,591$39,545,199
79$98,387,489$4,604,095$243,959$43,290,533
80$108,252,935$4,659,617$82,053$47,413,126
81$119,119,298$4,712,503$0$51,951,484
82$131,088,505$4,762,453$0$56,967,410
83$144,272,870$4,809,151$0$62,508,267
84$158,796,160$4,852,257$0$68,608,204
85$174,794,761$4,891,410$0$75,324,176
86$192,418,963$4,926,226$0$82,718,946
87$211,834,381$4,956,294$0$90,861,686
88$233,223,515$4,981,180$0$99,828,627
89$256,787,474$5,000,418$0$109,703,781
90$282,747,874$5,013,517$0$120,579,733
91$311,348,930$5,019,952$0$132,558,519
92$342,859,758$5,019,167$0$145,752,587
93$377,576,918$5,010,570$0$160,285,864
94$415,827,209$4,993,534$0$176,294,922
95$457,970,760$4,967,393$0$193,930,275
96$504,404,423$4,931,440$0$213,357,796
97$555,565,519$4,884,925$0$234,760,285
98$611,935,970$4,827,055$0$258,339,202
99$674,046,844$4,756,986$0$284,316,564
100$742,483,370$4,673,826$0$312,937,046