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%19%
1 years$146,991$145,681$144,404$143,157$141,940$136,795
2 years$72,768$71,412$70,099$68,826$67,590$62,463
3 years$48,030$46,669$45,359$44,097$42,882$37,934
4 years$35,663$34,307$33,010$31,770$30,584$25,853
5 years$28,246$26,897$25,617$24,402$23,249$18,748
6 years$23,302$21,963$20,702$19,515$18,396$14,127
7 years$19,772$18,445$17,204$16,044$14,961$10,924
8 years$17,126$15,810$14,590$13,459$12,412$8,602
9 years$15,069$13,766$12,566$11,464$10,453$6,866
10 years$13,424$12,134$10,956$9,882$8,906$5,536
11 years$12,079$10,802$9,645$8,600$7,660$4,499
12 years$10,960$9,695$8,560$7,544$6,638$3,679
13 years$10,013$8,762$7,648$6,660$5,788$3,023
14 years$9,202$7,964$6,871$5,912$5,074$2,494
15 years$8,500$7,275$6,204$5,272$4,467$2,064
16 years$7,886$6,675$5,625$4,721$3,948$1,713
17 years$7,345$6,148$5,118$4,242$3,501$1,425
18 years$6,865$5,681$4,672$3,823$3,113$1,187
19 years$6,436$5,265$4,277$3,454$2,774$990
20 years$6,050$4,892$3,926$3,128$2,478$827
21 years$5,701$4,557$3,611$2,839$2,218$691
22 years$5,384$4,254$3,328$2,581$1,988$579
23 years$5,096$3,978$3,073$2,351$1,784$484
24 years$4,832$3,728$2,842$2,144$1,604$406
25 years$4,589$3,498$2,632$1,958$1,443$340
26 years$4,366$3,288$2,441$1,790$1,300$285
27 years$4,159$3,094$2,267$1,639$1,172$239
28 years$3,967$2,916$2,107$1,502$1,058$201
29 years$3,789$2,750$1,961$1,377$955$169
30 years$3,623$2,598$1,827$1,264$863$142
31 years$3,468$2,456$1,703$1,161$780$119
32 years$3,324$2,323$1,589$1,067$706$100
33 years$3,188$2,200$1,483$981$639$84
34 years$3,060$2,085$1,386$902$578$70
35 years$2,940$1,978$1,296$831$524$59
36 years$2,827$1,877$1,212$765$475$50
37 years$2,720$1,783$1,135$705$430$42
38 years$2,619$1,695$1,063$650$390$35
39 years$2,524$1,611$995$599$354$29
40 years$2,434$1,533$933$553$321$25
41 years$2,348$1,459$875$510$291$21
42 years$2,266$1,390$821$471$264$17
43 years$2,189$1,324$770$434$240$15
44 years$2,115$1,262$723$401$217$12
45 years$2,045$1,204$679$370$197$10
46 years$1,978$1,148$638$342$179$9
47 years$1,914$1,096$599$316$163$7
48 years$1,852$1,046$563$292$148$6
49 years$1,794$999$529$270$134$5
50 years$1,738$954$497$250$122$4

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 $5,681 every year, while hoping to spend $42,557 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: 56/29/15 Blend
34$1,780,000$1,780,000$1,780,000$1,780,000
35$1,967,420$1,873,080$1,845,490$2,069,593
36$2,122,816$1,919,581$1,862,034$2,186,107
37$2,292,637$1,966,933$1,877,705$2,307,851
38$2,478,308$2,015,135$1,892,430$2,439,490
39$2,681,400$2,064,181$1,906,131$2,581,983
40$2,903,642$2,114,065$1,918,726$2,736,380
41$3,146,938$2,164,779$1,930,127$2,903,841
42$3,413,384$2,216,312$1,940,245$3,085,643
43$3,705,290$2,268,652$1,948,984$3,283,192
44$4,025,198$2,321,784$1,956,244$3,498,038
45$4,375,909$2,375,692$1,961,919$3,731,887
46$4,760,507$2,430,356$1,965,898$3,986,621
47$5,182,389$2,485,754$1,968,065$4,264,309
48$5,645,296$2,541,859$1,968,299$4,567,236
49$6,153,351$2,598,645$1,966,472$4,897,916
50$6,711,092$2,656,078$1,962,448$5,259,121
51$7,323,521$2,714,124$1,956,088$5,653,903
52$7,996,147$2,772,743$1,947,244$6,085,629
53$8,735,038$2,831,891$1,935,761$6,558,005
54$9,546,880$2,891,521$1,921,476$7,075,119
55$10,439,036$2,951,580$1,904,220$7,641,472
56$11,419,621$3,012,011$1,883,815$8,262,028
57$12,497,574$3,072,751$1,860,074$8,942,254
58$13,682,742$3,133,731$1,832,802$9,688,176
59$14,985,975$3,194,878$1,801,794$10,506,438
60$16,419,227$3,256,110$1,766,837$11,404,357
61$17,995,669$3,317,339$1,727,707$12,390,000
62$19,729,810$3,378,472$1,684,168$13,472,258
63$21,637,640$3,439,406$1,635,977$14,660,927
64$23,736,772$3,500,030$1,582,875$15,966,806
65$26,046,618$3,560,226$1,524,596$17,401,794
66$28,588,561$3,619,866$1,460,858$18,979,008
67$31,386,166$3,678,811$1,391,368$20,712,901
68$34,465,396$3,736,914$1,315,820$22,619,404
69$37,854,859$3,794,016$1,233,894$24,716,074
70$41,586,079$3,849,946$1,145,253$27,022,260
71$45,693,789$3,904,523$1,049,549$29,559,289
72$50,216,262$3,957,551$946,415$32,350,663
73$55,195,670$4,008,822$835,470$35,422,287
74$60,678,486$4,058,111$716,315$38,802,707
75$66,715,913$4,105,180$588,534$42,523,387
76$73,364,377$4,149,774$451,690$46,619,004
77$80,686,052$4,191,622$305,331$51,127,775
78$88,749,452$4,230,434$148,982$56,091,817
79$97,630,071$4,265,900$0$61,557,551
80$107,411,101$4,297,692$0$67,578,996
81$118,184,212$4,325,458$0$74,235,306
82$130,050,423$4,348,826$0$81,564,838
83$143,121,046$4,367,399$0$89,636,164
84$157,518,746$4,380,755$0$98,524,853
85$173,378,690$4,388,445$0$108,314,184
86$190,849,830$4,389,991$0$119,095,931
87$210,096,301$4,384,889$0$130,971,232
88$231,298,975$4,372,601$0$144,051,543
89$254,657,167$4,352,555$0$158,459,689
90$280,390,515$4,324,146$0$174,331,029
91$308,741,050$4,286,732$0$191,814,731
92$339,975,487$4,239,632$0$211,075,181
93$374,387,736$4,182,123$0$232,293,536
94$412,301,680$4,113,442$0$255,669,438
95$454,074,227$4,032,776$0$281,422,895
96$500,098,684$3,939,268$0$309,796,363
97$550,808,466$3,832,008$0$341,057,032
98$606,681,186$3,710,033$0$375,499,355
99$668,243,167$3,572,325$0$413,447,825
100$736,074,405$3,417,804$0$455,260,040