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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.9%
1 years$146,991$145,681$144,404$143,157$141,940$140,809
2 years$72,768$71,412$70,099$68,826$67,590$66,451
3 years$48,030$46,669$45,359$44,097$42,882$41,769
4 years$35,663$34,307$33,010$31,770$30,584$29,505
5 years$28,246$26,897$25,617$24,402$23,249$22,209
6 years$23,302$21,963$20,702$19,515$18,396$17,395
7 years$19,772$18,445$17,204$16,044$14,961$14,000
8 years$17,126$15,810$14,590$13,459$12,412$11,490
9 years$15,069$13,766$12,566$11,464$10,453$9,570
10 years$13,424$12,134$10,956$9,882$8,906$8,063
11 years$12,079$10,802$9,645$8,600$7,660$6,855
12 years$10,960$9,695$8,560$7,544$6,638$5,870
13 years$10,013$8,762$7,648$6,660$5,788$5,058
14 years$9,202$7,964$6,871$5,912$5,074$4,379
15 years$8,500$7,275$6,204$5,272$4,467$3,808
16 years$7,886$6,675$5,625$4,721$3,948$3,322
17 years$7,345$6,148$5,118$4,242$3,501$2,908
18 years$6,865$5,681$4,672$3,823$3,113$2,551
19 years$6,436$5,265$4,277$3,454$2,774$2,244
20 years$6,050$4,892$3,926$3,128$2,478$1,977
21 years$5,701$4,557$3,611$2,839$2,218$1,745
22 years$5,384$4,254$3,328$2,581$1,988$1,542
23 years$5,096$3,978$3,073$2,351$1,784$1,365
24 years$4,832$3,728$2,842$2,144$1,604$1,209
25 years$4,589$3,498$2,632$1,958$1,443$1,072
26 years$4,366$3,288$2,441$1,790$1,300$952
27 years$4,159$3,094$2,267$1,639$1,172$846
28 years$3,967$2,916$2,107$1,502$1,058$752
29 years$3,789$2,750$1,961$1,377$955$668
30 years$3,623$2,598$1,827$1,264$863$595
31 years$3,468$2,456$1,703$1,161$780$530
32 years$3,324$2,323$1,589$1,067$706$472
33 years$3,188$2,200$1,483$981$639$420
34 years$3,060$2,085$1,386$902$578$375
35 years$2,940$1,978$1,296$831$524$334
36 years$2,827$1,877$1,212$765$475$298
37 years$2,720$1,783$1,135$705$430$266
38 years$2,619$1,695$1,063$650$390$237
39 years$2,524$1,611$995$599$354$211
40 years$2,434$1,533$933$553$321$189
41 years$2,348$1,459$875$510$291$168
42 years$2,266$1,390$821$471$264$150
43 years$2,189$1,324$770$434$240$134
44 years$2,115$1,262$723$401$217$120
45 years$2,045$1,204$679$370$197$107
46 years$1,978$1,148$638$342$179$96
47 years$1,914$1,096$599$316$163$85
48 years$1,852$1,046$563$292$148$76
49 years$1,794$999$529$270$134$68
50 years$1,738$954$497$250$122$61

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 $3,067 every year, while hoping to spend $26,131 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: 72/5/23 Blend
34$1,780,000$1,780,000$1,780,000$1,780,000
35$1,964,724$1,870,384$1,842,794$2,094,769
36$2,137,322$1,934,229$1,876,724$2,245,718
37$2,326,650$2,000,327$1,910,915$2,407,606
38$2,534,386$2,068,761$1,945,349$2,584,282
39$2,762,379$2,139,616$1,980,004$2,777,213
40$3,012,667$2,212,982$2,014,858$2,988,014
41$3,287,492$2,288,951$2,049,889$3,218,466
42$3,589,326$2,367,620$2,085,071$3,470,528
43$3,920,893$2,449,089$2,120,376$3,746,360
44$4,285,191$2,533,462$2,155,776$4,048,340
45$4,685,526$2,620,846$2,191,239$4,379,088
46$5,125,536$2,711,355$2,226,733$4,741,491
47$5,609,234$2,805,104$2,262,222$5,138,729
48$6,141,037$2,902,215$2,297,667$5,574,305
49$6,725,813$3,002,814$2,333,029$6,052,078
50$7,368,925$3,107,032$2,368,265$6,576,300
51$8,076,283$3,215,004$2,403,330$7,151,658
52$8,854,397$3,326,872$2,438,174$7,783,311
53$9,710,440$3,442,783$2,472,748$8,476,948
54$10,652,316$3,562,890$2,506,995$9,238,834
55$11,688,732$3,687,352$2,540,860$10,075,874
56$12,829,285$3,816,334$2,574,280$10,995,675
57$14,084,544$3,950,007$2,607,191$12,006,619
58$15,466,161$4,088,550$2,639,525$13,117,942
59$16,986,970$4,232,150$2,671,210$14,339,821
60$18,661,114$4,380,998$2,702,168$15,683,469
61$20,504,177$4,535,296$2,732,320$17,161,243
62$22,533,331$4,695,254$2,761,581$18,786,759
63$24,767,496$4,861,087$2,789,860$20,575,020
64$27,227,524$5,033,023$2,817,063$22,542,557
65$29,936,387$5,211,297$2,843,090$24,707,589
66$32,919,401$5,396,154$2,867,837$27,090,190
67$36,204,462$5,587,847$2,891,191$29,712,481
68$39,822,309$5,786,643$2,913,038$32,598,837
69$43,806,814$5,992,818$2,933,253$35,776,118
70$48,195,300$6,206,657$2,951,709$39,273,926
71$53,028,899$6,428,461$2,968,269$43,124,876
72$58,352,931$6,658,540$2,982,791$47,364,913
73$64,217,339$6,897,219$2,995,124$52,033,643
74$70,677,159$7,144,833$3,005,111$57,174,714
75$77,793,033$7,401,734$3,012,587$62,836,223
76$85,631,792$7,668,288$3,017,377$69,071,172
77$94,267,075$7,944,875$3,019,300$75,937,969
78$103,780,034$8,231,891$3,018,164$83,500,976
79$114,260,093$8,529,749$3,013,768$91,831,121
80$125,805,795$8,838,879$3,005,901$101,006,564
81$138,525,729$9,159,728$2,994,343$111,113,437
82$152,539,562$9,492,763$2,978,861$122,246,655
83$167,979,157$9,838,468$2,959,213$134,510,815
84$184,989,829$10,197,351$2,935,145$148,021,179
85$203,731,709$10,569,939$2,906,390$162,904,767
86$224,381,258$10,956,780$2,872,668$179,301,554
87$247,132,931$11,358,447$2,833,687$197,365,788
88$272,201,015$11,775,536$2,789,141$217,267,453
89$299,821,651$12,208,670$2,738,709$239,193,867
90$330,255,060$12,658,495$2,682,056$263,351,456
91$363,788,001$13,125,687$2,618,831$289,967,700
92$400,736,481$13,610,949$2,548,666$319,293,278
93$441,448,733$14,115,016$2,471,176$351,604,441
94$486,308,503$14,638,651$2,385,960$387,205,615
95$535,738,678$15,182,653$2,292,598$426,432,275
96$590,205,272$15,747,852$2,190,649$469,654,117
97$650,221,829$16,335,115$2,079,654$517,278,542
98$716,354,265$16,945,346$1,959,133$569,754,506
99$789,226,220$17,579,487$1,828,583$627,576,759
100$869,524,934$18,238,522$1,687,480$691,290,513