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%13.4%
1 years$146,165$144,863$143,593$142,353$141,142$139,148
2 years$72,359$71,011$69,705$68,439$67,211$65,205
3 years$47,760$46,407$45,104$43,849$42,641$40,687
4 years$35,463$34,114$32,824$31,591$30,412$28,524
5 years$28,087$26,746$25,473$24,265$23,119$21,303
6 years$23,171$21,840$20,586$19,405$18,293$16,551
7 years$19,661$18,341$17,107$15,954$14,877$13,210
8 years$17,030$15,722$14,508$13,383$12,342$10,749
9 years$14,984$13,689$12,496$11,400$10,394$8,874
10 years$13,349$12,066$10,894$9,827$8,856$7,409
11 years$12,012$10,741$9,591$8,552$7,616$6,240
12 years$10,898$9,641$8,512$7,501$6,600$5,294
13 years$9,957$8,713$7,605$6,623$5,756$4,517
14 years$9,150$7,920$6,833$5,879$5,045$3,872
15 years$8,452$7,235$6,169$5,243$4,442$3,333
16 years$7,842$6,638$5,593$4,694$3,926$2,878
17 years$7,304$6,113$5,090$4,218$3,481$2,493
18 years$6,826$5,649$4,646$3,801$3,095$2,164
19 years$6,399$5,235$4,253$3,435$2,759$1,882
20 years$6,016$4,865$3,904$3,111$2,464$1,640
21 years$5,669$4,531$3,590$2,823$2,205$1,432
22 years$5,354$4,230$3,309$2,567$1,977$1,251
23 years$5,067$3,956$3,055$2,338$1,774$1,095
24 years$4,805$3,707$2,826$2,132$1,595$959
25 years$4,563$3,478$2,617$1,947$1,435$840
26 years$4,341$3,269$2,427$1,780$1,293$737
27 years$4,135$3,077$2,254$1,630$1,166$647
28 years$3,945$2,899$2,095$1,493$1,052$568
29 years$3,768$2,735$1,950$1,369$950$499
30 years$3,603$2,583$1,816$1,257$858$439
31 years$3,449$2,442$1,693$1,154$776$386
32 years$3,305$2,310$1,580$1,061$702$339
33 years$3,170$2,188$1,475$975$635$299
34 years$3,043$2,074$1,378$897$575$263
35 years$2,924$1,967$1,289$826$521$231
36 years$2,811$1,867$1,205$761$472$204
37 years$2,705$1,773$1,128$701$428$179
38 years$2,605$1,685$1,057$646$388$158
39 years$2,510$1,602$990$596$352$139
40 years$2,420$1,524$928$550$319$123
41 years$2,335$1,451$870$507$289$108
42 years$2,253$1,382$816$468$263$95
43 years$2,176$1,317$766$432$238$84
44 years$2,103$1,255$719$399$216$74
45 years$2,033$1,197$675$368$196$65
46 years$1,966$1,142$634$340$178$58
47 years$1,903$1,090$596$314$162$51
48 years$1,842$1,040$560$290$147$45
49 years$1,784$993$526$268$134$39
50 years$1,728$949$495$248$121$35

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 $6,858 every year, while hoping to spend $20,323 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: 43/41/16 Blend
34$1,770,000$1,770,000$1,770,000$1,770,000
35$1,957,614$1,863,804$1,836,369$2,032,410
36$2,135,667$1,933,507$1,876,264$2,155,347
37$2,331,201$2,005,944$1,916,814$2,285,909
38$2,545,976$2,081,228$1,958,020$2,426,924
39$2,781,933$2,159,476$1,999,882$2,579,361
40$3,041,211$2,240,811$2,042,398$2,744,286
41$3,326,164$2,325,360$2,085,568$2,922,870
42$3,639,386$2,413,257$2,129,388$3,116,398
43$3,983,737$2,504,640$2,173,856$3,326,285
44$4,362,366$2,599,654$2,218,968$3,554,085
45$4,778,741$2,698,452$2,264,718$3,801,507
46$5,236,687$2,801,190$2,311,099$4,070,427
47$5,740,414$2,908,033$2,358,106$4,362,913
48$6,294,563$3,019,154$2,405,730$4,681,235
49$6,904,247$3,134,731$2,453,960$5,027,893
50$7,575,100$3,254,952$2,502,787$5,405,634
51$8,313,328$3,380,012$2,552,199$5,817,481
52$9,125,770$3,510,116$2,602,180$6,266,762
53$10,019,963$3,645,476$2,652,718$6,757,135
54$11,004,210$3,786,315$2,703,794$7,292,630
55$12,087,659$3,932,864$2,755,391$7,877,677
56$13,280,393$4,085,367$2,807,489$8,517,156
57$14,593,518$4,244,075$2,860,066$9,216,434
58$16,039,276$4,409,254$2,913,097$9,981,423
59$17,631,154$4,581,179$2,966,557$10,818,627
60$19,384,013$4,760,139$3,020,418$11,735,208
61$21,314,230$4,946,433$3,074,650$12,739,051
62$23,439,851$5,140,377$3,129,220$13,838,837
63$25,780,758$5,342,299$3,184,092$15,044,123
64$28,358,865$5,552,541$3,239,228$16,365,434
65$31,198,316$5,771,461$3,294,588$17,814,359
66$34,325,716$5,999,435$3,350,129$19,403,658
67$37,770,384$6,236,852$3,405,803$21,147,385
68$41,564,626$6,484,121$3,461,561$23,061,016
69$45,744,044$6,741,669$3,517,349$25,161,596
70$50,347,866$7,009,941$3,573,110$27,467,897
71$55,419,324$7,289,403$3,628,784$30,000,593
72$61,006,053$7,580,542$3,684,307$32,782,458
73$67,160,548$7,883,866$3,739,609$35,838,573
74$73,940,656$8,199,908$3,794,618$39,196,566
75$81,410,122$8,529,222$3,849,257$42,886,870
76$89,639,190$8,872,389$3,903,442$46,943,008
77$98,705,268$9,230,017$3,957,088$51,401,905
78$108,693,656$9,602,739$4,010,101$56,304,242
79$119,698,354$9,991,218$4,062,385$61,694,828
80$131,822,947$10,396,149$4,113,836$67,623,031
81$145,181,582$10,818,254$4,164,344$74,143,234
82$159,900,048$11,258,293$4,213,793$81,315,351
83$176,116,960$11,717,057$4,262,063$89,205,385
84$193,985,072$12,195,374$4,309,024$97,886,056
85$213,672,712$12,694,111$4,354,539$107,437,479
86$235,365,379$13,214,172$4,398,466$117,947,918
87$259,267,486$13,756,505$4,440,653$129,514,621
88$285,604,295$14,322,100$4,480,941$142,244,730
89$314,624,042$14,911,991$4,519,161$156,256,291
90$346,600,279$15,527,263$4,555,138$171,679,366
91$381,834,456$16,169,048$4,588,683$188,657,257
92$420,658,769$16,838,530$4,619,603$207,347,856
93$463,439,293$17,536,948$4,647,690$227,925,131
94$510,579,442$18,265,599$4,672,728$250,580,764
95$562,523,769$19,025,838$4,694,489$275,525,958
96$619,762,173$19,819,083$4,712,733$302,993,426
97$682,834,514$20,646,818$4,727,210$333,239,583
98$752,335,718$21,510,595$4,737,654$366,546,965
99$828,921,384$22,412,037$4,743,789$403,226,888
100$913,313,983$23,352,844$4,745,323$443,622,383