Can I retire at age 35 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$146,991$145,681$144,404$143,157$141,940$137,672
2 years$72,768$71,412$70,099$68,826$67,590$63,327
3 years$48,030$46,669$45,359$44,097$42,882$38,756
4 years$35,663$34,307$33,010$31,770$30,584$26,627
5 years$28,246$26,897$25,617$24,402$23,249$19,473
6 years$23,302$21,963$20,702$19,515$18,396$14,803
7 years$19,772$18,445$17,204$16,044$14,961$11,551
8 years$17,126$15,810$14,590$13,459$12,412$9,183
9 years$15,069$13,766$12,566$11,464$10,453$7,401
10 years$13,424$12,134$10,956$9,882$8,906$6,028
11 years$12,079$10,802$9,645$8,600$7,660$4,950
12 years$10,960$9,695$8,560$7,544$6,638$4,091
13 years$10,013$8,762$7,648$6,660$5,788$3,399
14 years$9,202$7,964$6,871$5,912$5,074$2,835
15 years$8,500$7,275$6,204$5,272$4,467$2,374
16 years$7,886$6,675$5,625$4,721$3,948$1,993
17 years$7,345$6,148$5,118$4,242$3,501$1,677
18 years$6,865$5,681$4,672$3,823$3,113$1,413
19 years$6,436$5,265$4,277$3,454$2,774$1,193
20 years$6,050$4,892$3,926$3,128$2,478$1,009
21 years$5,701$4,557$3,611$2,839$2,218$854
22 years$5,384$4,254$3,328$2,581$1,988$724
23 years$5,096$3,978$3,073$2,351$1,784$614
24 years$4,832$3,728$2,842$2,144$1,604$521
25 years$4,589$3,498$2,632$1,958$1,443$442
26 years$4,366$3,288$2,441$1,790$1,300$376
27 years$4,159$3,094$2,267$1,639$1,172$319
28 years$3,967$2,916$2,107$1,502$1,058$271
29 years$3,789$2,750$1,961$1,377$955$231
30 years$3,623$2,598$1,827$1,264$863$196
31 years$3,468$2,456$1,703$1,161$780$167
32 years$3,324$2,323$1,589$1,067$706$142
33 years$3,188$2,200$1,483$981$639$121
34 years$3,060$2,085$1,386$902$578$103
35 years$2,940$1,978$1,296$831$524$88
36 years$2,827$1,877$1,212$765$475$75
37 years$2,720$1,783$1,135$705$430$64
38 years$2,619$1,695$1,063$650$390$54
39 years$2,524$1,611$995$599$354$46
40 years$2,434$1,533$933$553$321$39
41 years$2,348$1,459$875$510$291$33
42 years$2,266$1,390$821$471$264$28
43 years$2,189$1,324$770$434$240$24
44 years$2,115$1,262$723$401$217$21
45 years$2,045$1,204$679$370$197$18
46 years$1,978$1,148$638$342$179$15
47 years$1,914$1,096$599$316$163$13
48 years$1,852$1,046$563$292$148$11
49 years$1,794$999$529$270$134$9
50 years$1,738$954$497$250$122$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,780,000, adding $5,539 every year, while hoping to spend $43,620 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: 70/11/19 Blend
34$1,780,000$1,780,000$1,780,000$1,780,000
35$1,967,273$1,872,933$1,845,343$2,095,558
36$2,121,524$1,918,296$1,860,751$2,227,142
37$2,290,046$1,964,419$1,875,213$2,365,423
38$2,474,250$2,011,294$1,888,651$2,515,691
39$2,675,686$2,058,911$1,900,984$2,679,125
40$2,896,065$2,107,256$1,912,126$2,857,024
41$3,137,267$2,156,315$1,921,986$3,050,823
42$3,401,365$2,206,071$1,930,469$3,262,097
43$3,690,639$2,256,504$1,937,475$3,492,585
44$4,007,604$2,307,592$1,942,899$3,744,202
45$4,355,025$2,359,309$1,946,632$4,019,059
46$4,735,950$2,411,628$1,948,557$4,319,481
47$5,153,736$2,464,517$1,948,553$4,648,029
48$5,612,080$2,517,941$1,946,492$5,007,526
49$6,115,054$2,571,862$1,942,241$5,401,084
50$6,667,143$2,626,237$1,935,660$5,832,129
51$7,273,289$2,681,020$1,926,602$6,304,440
52$7,938,933$2,736,159$1,914,912$6,822,179
53$8,670,072$2,791,598$1,900,429$7,389,932
54$9,473,310$2,847,277$1,882,984$8,012,755
55$10,355,923$2,903,130$1,862,400$8,696,219
56$11,325,928$2,959,083$1,838,491$9,446,461
57$12,392,154$3,015,060$1,811,062$10,270,247
58$13,564,332$3,070,976$1,779,910$11,175,033
59$14,853,179$3,126,740$1,744,823$12,169,035
60$16,270,506$3,182,252$1,705,576$13,261,308
61$17,829,322$3,237,407$1,661,938$14,461,830
62$19,543,963$3,292,090$1,613,663$15,781,598
63$21,430,223$3,346,178$1,560,496$17,232,732
64$23,505,503$3,399,539$1,502,171$18,828,589
65$25,788,979$3,452,030$1,438,408$20,583,888
66$28,301,775$3,503,500$1,368,915$22,514,851
67$31,067,170$3,553,785$1,293,387$24,639,356
68$34,110,811$3,602,710$1,211,505$26,977,105
69$37,460,959$3,650,089$1,122,936$29,549,813
70$41,148,755$3,695,720$1,027,332$32,381,409
71$45,208,508$3,739,392$924,329$35,498,265
72$49,678,028$3,780,874$813,546$38,929,445
73$54,598,974$3,819,924$694,587$42,706,981
74$60,017,251$3,856,282$567,037$46,866,171
75$65,983,441$3,889,670$430,463$51,445,920
76$72,553,283$3,919,794$284,414$56,489,100
77$79,788,193$3,946,339$128,417$62,042,961
78$87,755,850$3,968,971$0$68,159,574
79$96,530,829$3,987,334$0$74,904,042
80$106,195,309$4,001,049$0$82,360,176
81$116,839,844$4,009,713$0$90,571,722
82$128,564,218$4,012,899$0$99,615,604
83$141,478,390$4,010,153$0$109,576,590
84$155,703,527$4,000,991$0$120,548,093
85$171,373,150$3,984,903$0$132,633,050
86$188,634,392$3,961,344$0$145,944,897
87$207,649,388$3,929,738$0$160,608,637
88$228,596,803$3,889,473$0$176,762,022
89$251,673,521$3,839,901$0$194,556,852
90$277,096,499$3,780,335$0$214,160,408
91$305,104,818$3,710,047$0$235,757,031
92$335,961,936$3,628,266$0$259,549,864
93$369,958,178$3,534,176$0$285,762,768
94$407,413,473$3,426,911$0$314,642,435
95$448,680,373$3,305,556$0$346,460,719
96$494,147,386$3,169,142$0$381,517,200
97$544,242,634$3,016,645$0$420,142,014
98$599,437,903$2,846,981$0$462,698,969
99$660,253,088$2,659,002$0$509,588,980
100$727,261,106$2,451,497$0$561,253,854