Can I retire at age 35 with 1,790,000?

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$147,817$146,500$145,215$143,961$142,737$139,174
2 years$73,176$71,814$70,493$69,212$67,970$64,402
3 years$48,300$46,931$45,614$44,345$43,123$39,663
4 years$35,864$34,499$33,195$31,948$30,756$27,430
5 years$28,404$27,048$25,761$24,539$23,380$20,197
6 years$23,433$22,087$20,818$19,624$18,500$15,463
7 years$19,883$18,548$17,300$16,134$15,045$12,156
8 years$17,222$15,899$14,672$13,534$12,482$9,738
9 years$15,153$13,843$12,637$11,528$10,511$7,910
10 years$13,500$12,202$11,017$9,938$8,956$6,495
11 years$12,147$10,863$9,699$8,649$7,703$5,379
12 years$11,021$9,750$8,608$7,586$6,675$4,483
13 years$10,069$8,811$7,691$6,697$5,821$3,757
14 years$9,254$8,009$6,910$5,945$5,102$3,163
15 years$8,548$7,316$6,239$5,302$4,492$2,672
16 years$7,930$6,713$5,656$4,747$3,970$2,264
17 years$7,386$6,182$5,147$4,265$3,520$1,923
18 years$6,903$5,713$4,699$3,844$3,130$1,637
19 years$6,472$5,294$4,301$3,473$2,790$1,396
20 years$6,084$4,920$3,948$3,146$2,492$1,192
21 years$5,733$4,583$3,631$2,855$2,230$1,019
22 years$5,415$4,278$3,347$2,596$1,999$872
23 years$5,125$4,001$3,090$2,364$1,794$747
24 years$4,859$3,748$2,858$2,156$1,613$641
25 years$4,615$3,518$2,647$1,969$1,451$550
26 years$4,390$3,306$2,455$1,801$1,307$472
27 years$4,182$3,111$2,279$1,648$1,179$405
28 years$3,990$2,932$2,119$1,510$1,064$348
29 years$3,810$2,766$1,972$1,385$960$299
30 years$3,644$2,612$1,837$1,271$868$257
31 years$3,488$2,469$1,712$1,167$785$221
32 years$3,342$2,336$1,598$1,073$710$190
33 years$3,206$2,213$1,492$986$642$164
34 years$3,077$2,097$1,394$908$581$141
35 years$2,957$1,989$1,303$835$527$121
36 years$2,843$1,888$1,219$769$477$104
37 years$2,736$1,793$1,141$709$432$90
38 years$2,634$1,704$1,069$653$392$77
39 years$2,538$1,620$1,001$602$356$67
40 years$2,447$1,542$938$556$323$57
41 years$2,361$1,468$880$513$293$49
42 years$2,279$1,398$825$473$265$42
43 years$2,201$1,332$774$437$241$37
44 years$2,127$1,269$727$403$219$32
45 years$2,056$1,210$683$372$199$27
46 years$1,989$1,155$641$344$180$23
47 years$1,924$1,102$602$318$164$20
48 years$1,863$1,052$566$294$149$17
49 years$1,804$1,005$532$271$135$15
50 years$1,748$960$500$251$123$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,790,000, adding $2,555 every year, while hoping to spend $36,679 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: 43/36/21 Blend
34$1,790,000$1,790,000$1,790,000$1,790,000
35$1,975,215$1,880,345$1,852,600$2,047,968
36$2,137,661$1,933,456$1,875,636$2,152,856
37$2,315,447$1,987,940$1,898,215$2,262,661
38$2,510,099$2,043,826$1,920,281$2,380,880
39$2,723,298$2,101,142$1,941,779$2,508,307
40$2,956,894$2,159,917$1,962,648$2,645,816
41$3,212,924$2,220,180$1,982,824$2,794,371
42$3,493,635$2,281,961$2,002,241$2,955,032
43$3,801,497$2,345,289$2,020,827$3,128,965
44$4,139,233$2,410,192$2,038,509$3,317,457
45$4,509,843$2,476,699$2,055,208$3,521,923
46$4,916,631$2,544,841$2,070,840$3,743,920
47$5,363,234$2,614,645$2,085,320$3,985,166
48$5,853,662$2,686,140$2,098,556$4,247,551
49$6,392,329$2,759,355$2,110,452$4,533,157
50$6,984,101$2,834,318$2,120,907$4,844,278
51$7,634,336$2,911,057$2,129,814$5,183,441
52$8,348,938$2,989,598$2,137,062$5,553,430
53$9,134,409$3,069,968$2,142,533$5,957,310
54$9,997,916$3,152,193$2,146,105$6,398,461
55$10,947,353$3,236,300$2,147,649$6,880,605
56$11,991,415$3,322,311$2,147,028$7,407,843
57$13,139,687$3,410,251$2,144,100$7,984,694
58$14,402,724$3,500,143$2,138,716$8,616,137
59$15,792,158$3,592,007$2,130,720$9,307,657
60$17,320,807$3,685,863$2,119,948$10,065,300
61$19,002,789$3,781,731$2,106,226$10,895,727
62$20,853,665$3,879,626$2,089,376$11,806,278
63$22,890,576$3,979,566$2,069,208$12,805,041
64$25,132,413$4,081,562$2,045,524$13,900,930
65$27,599,987$4,185,627$2,018,117$15,103,766
66$30,316,231$4,291,768$1,986,770$16,424,373
67$33,306,416$4,399,994$1,951,255$17,874,678
68$36,598,384$4,510,308$1,911,336$19,467,826
69$40,222,817$4,622,710$1,866,763$21,218,300
70$44,213,520$4,737,199$1,817,276$23,142,065
71$48,607,747$4,853,769$1,762,603$25,256,710
72$53,446,545$4,972,412$1,702,457$27,581,623
73$58,775,146$5,093,113$1,636,543$30,138,167
74$64,643,391$5,215,856$1,564,547$32,949,886
75$71,106,202$5,340,618$1,486,145$36,042,727
76$78,224,100$5,467,373$1,400,996$39,445,284
77$86,063,772$5,596,089$1,308,743$43,189,068
78$94,698,707$5,726,727$1,209,016$47,308,809
79$104,209,883$5,859,244$1,101,426$51,842,778
80$114,686,533$5,993,590$985,566$56,833,152
81$126,226,990$6,129,707$861,014$62,326,413
82$138,939,611$6,267,530$727,325$68,373,788
83$152,943,799$6,406,986$584,038$75,031,729
84$168,371,133$6,547,995$430,670$82,362,452
85$185,366,607$6,690,466$266,716$90,434,520
86$204,090,001$6,834,299$91,651$99,323,495
87$224,717,385$6,979,384$0$109,112,648
88$247,442,784$7,125,599$0$119,915,076
89$272,480,007$7,272,812$0$131,833,893
90$300,064,665$7,420,877$0$144,960,129
91$330,456,397$7,569,636$0$159,416,758
92$363,941,317$7,718,916$0$175,339,292
93$400,834,718$7,868,529$0$192,877,062
94$441,484,044$8,018,272$0$212,194,631
95$486,272,174$8,167,924$0$233,473,346
96$535,621,030$8,317,247$0$256,913,047
97$589,995,566$8,465,984$0$282,733,960
98$649,908,153$8,613,856$0$311,178,770
99$715,923,413$8,760,564$0$342,514,916
100$788,663,557$8,905,787$0$377,037,114