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%12.8%
1 years$147,817$146,500$145,215$143,961$142,737$141,070
2 years$73,176$71,814$70,493$69,212$67,970$66,293
3 years$48,300$46,931$45,614$44,345$43,123$41,487
4 years$35,864$34,499$33,195$31,948$30,756$29,173
5 years$28,404$27,048$25,761$24,539$23,380$21,856
6 years$23,433$22,087$20,818$19,624$18,500$17,036
7 years$19,883$18,548$17,300$16,134$15,045$13,642
8 years$17,222$15,899$14,672$13,534$12,482$11,139
9 years$15,153$13,843$12,637$11,528$10,511$9,229
10 years$13,500$12,202$11,017$9,938$8,956$7,733
11 years$12,147$10,863$9,699$8,649$7,703$6,538
12 years$11,021$9,750$8,608$7,586$6,675$5,567
13 years$10,069$8,811$7,691$6,697$5,821$4,769
14 years$9,254$8,009$6,910$5,945$5,102$4,105
15 years$8,548$7,316$6,239$5,302$4,492$3,547
16 years$7,930$6,713$5,656$4,747$3,970$3,076
17 years$7,386$6,182$5,147$4,265$3,520$2,675
18 years$6,903$5,713$4,699$3,844$3,130$2,333
19 years$6,472$5,294$4,301$3,473$2,790$2,038
20 years$6,084$4,920$3,948$3,146$2,492$1,784
21 years$5,733$4,583$3,631$2,855$2,230$1,564
22 years$5,415$4,278$3,347$2,596$1,999$1,373
23 years$5,125$4,001$3,090$2,364$1,794$1,207
24 years$4,859$3,748$2,858$2,156$1,613$1,062
25 years$4,615$3,518$2,647$1,969$1,451$935
26 years$4,390$3,306$2,455$1,801$1,307$824
27 years$4,182$3,111$2,279$1,648$1,179$727
28 years$3,990$2,932$2,119$1,510$1,064$641
29 years$3,810$2,766$1,972$1,385$960$566
30 years$3,644$2,612$1,837$1,271$868$500
31 years$3,488$2,469$1,712$1,167$785$442
32 years$3,342$2,336$1,598$1,073$710$391
33 years$3,206$2,213$1,492$986$642$346
34 years$3,077$2,097$1,394$908$581$306
35 years$2,957$1,989$1,303$835$527$271
36 years$2,843$1,888$1,219$769$477$239
37 years$2,736$1,793$1,141$709$432$212
38 years$2,634$1,704$1,069$653$392$188
39 years$2,538$1,620$1,001$602$356$166
40 years$2,447$1,542$938$556$323$147
41 years$2,361$1,468$880$513$293$130
42 years$2,279$1,398$825$473$265$115
43 years$2,201$1,332$774$437$241$102
44 years$2,127$1,269$727$403$219$91
45 years$2,056$1,210$683$372$199$80
46 years$1,989$1,155$641$344$180$71
47 years$1,924$1,102$602$318$164$63
48 years$1,863$1,052$566$294$149$56
49 years$1,804$1,005$532$271$135$50
50 years$1,748$960$500$251$123$44

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 $4,124 every year, while hoping to spend $22,399 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: 40/32/28 Blend
34$1,790,000$1,790,000$1,790,000$1,790,000
35$1,976,834$1,881,964$1,854,219$2,039,420
36$2,154,639$1,950,348$1,892,503$2,153,680
37$2,349,829$2,021,332$1,931,319$2,274,829
38$2,564,154$2,095,020$1,970,660$2,405,475
39$2,799,541$2,171,519$2,010,521$2,546,501
40$3,058,114$2,250,944$2,050,894$2,698,878
41$3,342,212$2,333,410$2,091,769$2,863,675
42$3,654,411$2,419,040$2,133,136$3,042,065
43$3,997,550$2,507,962$2,174,985$3,235,340
44$4,374,756$2,600,309$2,217,304$3,444,919
45$4,789,476$2,696,218$2,260,078$3,672,364
46$5,245,504$2,795,835$2,303,292$3,919,391
47$5,747,024$2,899,309$2,346,930$4,187,890
48$6,298,642$3,006,797$2,390,975$4,479,941
49$6,905,437$3,118,463$2,435,405$4,797,829
50$7,573,001$3,234,477$2,480,201$5,144,071
51$8,307,497$3,355,017$2,525,338$5,521,439
52$9,115,717$3,480,268$2,570,792$5,932,978
53$10,005,142$3,610,423$2,616,536$6,382,046
54$10,984,017$3,745,684$2,662,540$6,872,335
55$12,061,425$3,886,261$2,708,773$7,407,910
56$13,247,375$4,032,372$2,755,202$7,993,249
57$14,552,896$4,184,248$2,801,790$8,633,277
58$15,990,141$4,342,125$2,848,499$9,333,423
59$17,572,499$4,506,253$2,895,288$10,099,658
60$19,314,725$4,676,891$2,942,112$10,938,562
61$21,233,079$4,854,310$2,988,924$11,857,379
62$23,345,474$5,038,793$3,035,674$12,864,086
63$25,671,653$5,230,634$3,082,309$13,967,469
64$28,233,367$5,430,140$3,128,772$15,177,202
65$31,054,587$5,637,634$3,175,003$16,503,943
66$34,161,726$5,853,449$3,220,936$17,959,429
67$37,583,890$6,077,936$3,266,505$19,556,587
68$41,353,151$6,311,459$3,311,637$21,309,655
69$45,504,851$6,554,399$3,356,256$23,234,320
70$50,077,936$6,807,154$3,400,281$25,347,858
71$55,115,320$7,070,140$3,443,625$27,669,301
72$60,664,295$7,343,789$3,486,198$30,219,614
73$66,776,972$7,628,554$3,527,905$33,021,892
74$73,510,777$7,924,907$3,568,644$36,101,578
75$80,928,991$8,233,342$3,608,308$39,486,701
76$89,101,346$8,554,374$3,646,785$43,208,139
77$98,104,686$8,888,541$3,683,955$47,299,912
78$108,023,690$9,236,405$3,719,693$51,799,498
79$118,951,669$9,598,552$3,753,866$56,748,188
80$130,991,454$9,975,596$3,786,335$62,191,474
81$144,256,359$10,368,176$3,816,953$68,179,480
82$158,871,252$10,776,962$3,845,566$74,767,426
83$174,973,739$11,202,651$3,872,012$82,016,156
84$192,715,454$11,645,975$3,896,117$89,992,707
85$212,263,497$12,107,695$3,917,704$98,770,940
86$233,802,009$12,588,607$3,936,583$108,432,238
87$257,533,911$13,089,545$3,952,555$119,066,270
88$283,682,815$13,611,378$3,965,411$130,771,836
89$312,495,141$14,155,015$3,974,931$143,657,801
90$344,242,440$14,721,405$3,980,886$157,844,115
91$379,223,956$15,311,542$3,983,033$173,462,950
92$417,769,454$15,926,462$3,981,119$190,659,940
93$460,242,329$16,567,249$3,974,878$209,595,558
94$507,043,040$17,235,038$3,964,029$230,446,625
95$558,612,888$17,931,012$3,948,281$253,407,980
96$615,438,180$18,656,409$3,927,327$278,694,314
97$678,054,826$19,412,525$3,900,844$306,542,199
98$747,053,391$20,200,712$3,868,495$337,212,312
99$823,084,675$21,022,384$3,829,927$370,991,898
100$906,865,853$21,879,022$3,784,770$408,197,479