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%11.1%
1 years$146,165$144,863$143,593$142,353$141,142$140,488
2 years$72,359$71,011$69,705$68,439$67,211$66,551
3 years$47,760$46,407$45,104$43,849$42,641$41,996
4 years$35,463$34,114$32,824$31,591$30,412$29,786
5 years$28,087$26,746$25,473$24,265$23,119$22,513
6 years$23,171$21,840$20,586$19,405$18,293$17,710
7 years$19,661$18,341$17,107$15,954$14,877$14,316
8 years$17,030$15,722$14,508$13,383$12,342$11,803
9 years$14,984$13,689$12,496$11,400$10,394$9,877
10 years$13,349$12,066$10,894$9,827$8,856$8,361
11 years$12,012$10,741$9,591$8,552$7,616$7,143
12 years$10,898$9,641$8,512$7,501$6,600$6,148
13 years$9,957$8,713$7,605$6,623$5,756$5,324
14 years$9,150$7,920$6,833$5,879$5,045$4,634
15 years$8,452$7,235$6,169$5,243$4,442$4,051
16 years$7,842$6,638$5,593$4,694$3,926$3,554
17 years$7,304$6,113$5,090$4,218$3,481$3,128
18 years$6,826$5,649$4,646$3,801$3,095$2,760
19 years$6,399$5,235$4,253$3,435$2,759$2,441
20 years$6,016$4,865$3,904$3,111$2,464$2,163
21 years$5,669$4,531$3,590$2,823$2,205$1,920
22 years$5,354$4,230$3,309$2,567$1,977$1,708
23 years$5,067$3,956$3,055$2,338$1,774$1,520
24 years$4,805$3,707$2,826$2,132$1,595$1,355
25 years$4,563$3,478$2,617$1,947$1,435$1,209
26 years$4,341$3,269$2,427$1,780$1,293$1,080
27 years$4,135$3,077$2,254$1,630$1,166$966
28 years$3,945$2,899$2,095$1,493$1,052$864
29 years$3,768$2,735$1,950$1,369$950$773
30 years$3,603$2,583$1,816$1,257$858$692
31 years$3,449$2,442$1,693$1,154$776$621
32 years$3,305$2,310$1,580$1,061$702$556
33 years$3,170$2,188$1,475$975$635$499
34 years$3,043$2,074$1,378$897$575$448
35 years$2,924$1,967$1,289$826$521$402
36 years$2,811$1,867$1,205$761$472$361
37 years$2,705$1,773$1,128$701$428$324
38 years$2,605$1,685$1,057$646$388$291
39 years$2,510$1,602$990$596$352$261
40 years$2,420$1,524$928$550$319$235
41 years$2,335$1,451$870$507$289$211
42 years$2,253$1,382$816$468$263$190
43 years$2,176$1,317$766$432$238$171
44 years$2,103$1,255$719$399$216$153
45 years$2,033$1,197$675$368$196$138
46 years$1,966$1,142$634$340$178$124
47 years$1,903$1,090$596$314$162$112
48 years$1,842$1,040$560$290$147$100
49 years$1,784$993$526$268$134$90
50 years$1,728$949$495$248$121$81

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 $3,126 every year, while hoping to spend $38,706 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: 63/11/26 Blend
34$1,770,000$1,770,000$1,770,000$1,770,000
35$1,953,764$1,859,954$1,832,519$2,063,204
36$2,111,866$1,909,909$1,852,726$2,187,641
37$2,284,796$1,961,015$1,872,312$2,318,962
38$2,474,027$2,013,286$1,891,216$2,461,553
39$2,681,179$2,066,739$1,909,374$2,616,526
40$2,908,037$2,121,387$1,926,715$2,785,101
41$3,156,566$2,177,244$1,943,169$2,968,627
42$3,428,929$2,234,323$1,958,660$3,168,586
43$3,727,512$2,292,636$1,973,106$3,386,613
44$4,054,938$2,352,195$1,986,425$3,624,509
45$4,414,099$2,413,010$1,998,528$3,884,260
46$4,808,179$2,475,090$2,009,321$4,168,052
47$5,240,687$2,538,443$2,018,707$4,478,296
48$5,715,486$2,603,075$2,026,582$4,817,647
49$6,236,832$2,668,992$2,032,839$5,189,032
50$6,809,414$2,736,198$2,037,364$5,595,675
51$7,438,396$2,804,694$2,040,038$6,041,132
52$8,129,470$2,874,481$2,040,736$6,529,319
53$8,888,901$2,945,556$2,039,327$7,064,551
54$9,723,597$3,017,917$2,035,672$7,651,587
55$10,641,165$3,091,556$2,029,628$8,295,669
56$11,649,987$3,166,464$2,021,043$9,002,573
57$12,759,296$3,242,631$2,009,759$9,778,668
58$13,979,266$3,320,042$1,995,608$10,630,969
59$15,321,107$3,398,680$1,978,416$11,567,211
60$16,797,168$3,478,524$1,958,001$12,595,916
61$18,421,056$3,559,549$1,934,172$13,726,477
62$20,207,764$3,641,727$1,906,727$14,969,246
63$22,173,811$3,725,027$1,875,457$16,335,631
64$24,337,398$3,809,411$1,840,143$17,838,205
65$26,718,579$3,894,838$1,800,554$19,490,826
66$29,339,451$3,981,263$1,756,450$21,308,764
67$32,224,364$4,068,633$1,707,580$23,308,850
68$35,400,144$4,156,892$1,653,679$25,509,634
69$38,896,355$4,245,975$1,594,473$27,931,557
70$42,745,568$4,335,813$1,529,673$30,597,149
71$46,983,678$4,426,330$1,458,979$33,531,240
72$51,650,234$4,517,441$1,382,075$36,761,192
73$56,788,816$4,609,054$1,298,634$40,317,165
74$62,447,447$4,701,069$1,208,310$44,232,393
75$68,679,043$4,793,378$1,110,744$48,543,506
76$75,541,914$4,885,861$1,005,562$53,290,871
77$83,100,311$4,978,391$892,371$58,518,977
78$91,425,039$5,070,828$770,761$64,276,853
79$100,594,116$5,163,022$640,305$70,618,535
80$110,693,517$5,254,811$500,556$77,603,570
81$121,817,979$5,346,020$351,048$85,297,587
82$134,071,898$5,436,460$191,293$93,772,911
83$147,570,314$5,525,929$20,784$103,109,251
84$162,439,996$5,614,209$0$113,394,450
85$178,820,636$5,701,067$0$124,770,030
86$196,866,173$5,786,251$0$137,307,025
87$216,746,238$5,869,492$0$151,117,400
88$238,647,761$5,950,504$0$166,330,898
89$262,776,731$6,028,977$0$183,090,493
90$289,360,143$6,104,583$0$201,553,739
91$318,648,140$6,176,970$0$221,894,259
92$350,916,370$6,245,761$0$244,303,378
93$386,468,592$6,310,555$0$268,991,938
94$425,639,541$6,370,926$0$296,192,281
95$468,798,089$6,426,415$0$326,160,445
96$516,350,723$6,476,539$0$359,178,582
97$568,745,385$6,520,778$0$395,557,617
98$626,475,700$6,558,581$0$435,640,190
99$690,085,633$6,589,363$0$479,803,885
100$760,174,626$6,612,500$0$528,464,796