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%19.6%
1 years$146,991$145,681$144,404$143,157$141,940$136,470
2 years$72,768$71,412$70,099$68,826$67,590$62,145
3 years$48,030$46,669$45,359$44,097$42,882$37,632
4 years$35,663$34,307$33,010$31,770$30,584$25,570
5 years$28,246$26,897$25,617$24,402$23,249$18,484
6 years$23,302$21,963$20,702$19,515$18,396$13,882
7 years$19,772$18,445$17,204$16,044$14,961$10,697
8 years$17,126$15,810$14,590$13,459$12,412$8,394
9 years$15,069$13,766$12,566$11,464$10,453$6,675
10 years$13,424$12,134$10,956$9,882$8,906$5,362
11 years$12,079$10,802$9,645$8,600$7,660$4,341
12 years$10,960$9,695$8,560$7,544$6,638$3,535
13 years$10,013$8,762$7,648$6,660$5,788$2,893
14 years$9,202$7,964$6,871$5,912$5,074$2,377
15 years$8,500$7,275$6,204$5,272$4,467$1,959
16 years$7,886$6,675$5,625$4,721$3,948$1,618
17 years$7,345$6,148$5,118$4,242$3,501$1,340
18 years$6,865$5,681$4,672$3,823$3,113$1,111
19 years$6,436$5,265$4,277$3,454$2,774$923
20 years$6,050$4,892$3,926$3,128$2,478$767
21 years$5,701$4,557$3,611$2,839$2,218$639
22 years$5,384$4,254$3,328$2,581$1,988$532
23 years$5,096$3,978$3,073$2,351$1,784$443
24 years$4,832$3,728$2,842$2,144$1,604$370
25 years$4,589$3,498$2,632$1,958$1,443$308
26 years$4,366$3,288$2,441$1,790$1,300$257
27 years$4,159$3,094$2,267$1,639$1,172$215
28 years$3,967$2,916$2,107$1,502$1,058$179
29 years$3,789$2,750$1,961$1,377$955$150
30 years$3,623$2,598$1,827$1,264$863$125
31 years$3,468$2,456$1,703$1,161$780$105
32 years$3,324$2,323$1,589$1,067$706$87
33 years$3,188$2,200$1,483$981$639$73
34 years$3,060$2,085$1,386$902$578$61
35 years$2,940$1,978$1,296$831$524$51
36 years$2,827$1,877$1,212$765$475$43
37 years$2,720$1,783$1,135$705$430$36
38 years$2,619$1,695$1,063$650$390$30
39 years$2,524$1,611$995$599$354$25
40 years$2,434$1,533$933$553$321$21
41 years$2,348$1,459$875$510$291$17
42 years$2,266$1,390$821$471$264$15
43 years$2,189$1,324$770$434$240$12
44 years$2,115$1,262$723$401$217$10
45 years$2,045$1,204$679$370$197$9
46 years$1,978$1,148$638$342$179$7
47 years$1,914$1,096$599$316$163$6
48 years$1,852$1,046$563$292$148$5
49 years$1,794$999$529$270$134$4
50 years$1,738$954$497$250$122$3

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 $4,065 every year, while hoping to spend $53,284 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: 32/50/18 Blend
34$1,780,000$1,780,000$1,780,000$1,780,000
35$1,965,753$1,871,413$1,843,823$2,017,501
36$2,109,566$1,906,419$1,848,897$2,091,366
37$2,266,262$1,941,353$1,852,356$2,165,702
38$2,437,099$1,976,158$1,854,088$2,244,640
39$2,623,462$2,010,768$1,853,978$2,328,611
40$2,826,873$2,045,114$1,851,905$2,418,095
41$3,049,010$2,079,121$1,847,740$2,513,619
42$3,291,720$2,112,709$1,841,350$2,615,768
43$3,557,036$2,145,791$1,832,595$2,725,188
44$3,847,194$2,178,276$1,821,328$2,842,592
45$4,164,660$2,210,064$1,807,395$2,968,768
46$4,512,147$2,241,048$1,790,634$3,104,589
47$4,892,642$2,271,116$1,770,877$3,251,015
48$5,309,436$2,300,145$1,747,945$3,409,112
49$5,766,152$2,328,005$1,721,655$3,580,054
50$6,266,780$2,354,558$1,691,811$3,765,139
51$6,815,715$2,379,655$1,658,210$3,965,803
52$7,417,798$2,403,138$1,620,640$4,183,628
53$8,078,360$2,424,839$1,578,878$4,420,367
54$8,803,274$2,444,577$1,532,692$4,677,953
55$9,599,008$2,462,161$1,481,837$4,958,520
56$10,472,688$2,477,388$1,426,059$5,264,428
57$11,432,162$2,490,040$1,365,092$5,598,281
58$12,486,077$2,499,887$1,298,657$5,962,955
59$13,643,959$2,506,683$1,226,464$6,361,628
60$14,916,299$2,510,167$1,148,208$6,797,806
61$16,314,660$2,510,063$1,063,570$7,275,362
62$17,851,775$2,506,076$972,220$7,798,570
63$19,541,676$2,497,894$873,809$8,372,151
64$21,399,821$2,485,185$767,976$9,001,314
65$23,443,241$2,467,597$654,342$9,691,810
66$25,690,701$2,444,758$532,511$10,449,988
67$28,162,872$2,416,272$402,070$11,282,854
68$30,882,535$2,381,719$262,589$12,198,140
69$33,874,785$2,340,654$113,618$13,204,380
70$37,167,275$2,292,608$0$14,310,991
71$40,790,473$2,237,082$0$15,537,078
72$44,777,949$2,173,547$0$16,909,248
73$49,166,694$2,101,444$0$18,418,407
74$53,997,464$2,020,183$0$20,078,617
75$59,315,169$1,929,136$0$21,905,385
76$65,169,295$1,827,642$0$23,915,815
77$71,614,366$1,715,000$0$26,128,766
78$78,710,466$1,590,469$0$28,565,035
79$86,523,798$1,453,266$0$31,247,559
80$95,127,313$1,302,564$0$34,201,626
81$104,601,396$1,137,487$0$37,455,125
82$115,034,625$957,111$0$41,038,806
83$126,524,607$760,458$0$44,986,575
84$139,178,894$546,498$0$49,335,818
85$153,116,005$314,141$0$54,127,758
86$168,466,539$62,235$0$59,407,842
87$185,374,408$0$0$65,226,184
88$203,998,193$0$0$71,753,811
89$224,512,647$0$0$78,982,229
90$247,110,333$0$0$86,945,095
91$272,003,452$0$0$95,717,233
92$299,425,836$0$0$105,381,098
93$329,635,162$0$0$116,027,549
94$362,915,377$0$0$127,756,712
95$399,579,383$0$0$140,678,921
96$439,971,987$0$0$154,915,763
97$484,473,155$0$0$170,601,223
98$533,501,600$0$0$187,882,946
99$587,518,729$0$0$206,923,638
100$647,033,004$0$0$227,902,595