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

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 $1,790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$147,817$146,500$145,215$143,961$142,737$142,016
2 years$73,176$71,814$70,493$69,212$67,970$67,243
3 years$48,300$46,931$45,614$44,345$43,123$42,411
4 years$35,864$34,499$33,195$31,948$30,756$30,065
5 years$28,404$27,048$25,761$24,539$23,380$22,713
6 years$23,433$22,087$20,818$19,624$18,500$17,857
7 years$19,883$18,548$17,300$16,134$15,045$14,427
8 years$17,222$15,899$14,672$13,534$12,482$11,888
9 years$15,153$13,843$12,637$11,528$10,511$9,942
10 years$13,500$12,202$11,017$9,938$8,956$8,411
11 years$12,147$10,863$9,699$8,649$7,703$7,182
12 years$11,021$9,750$8,608$7,586$6,675$6,177
13 years$10,069$8,811$7,691$6,697$5,821$5,346
14 years$9,254$8,009$6,910$5,945$5,102$4,650
15 years$8,548$7,316$6,239$5,302$4,492$4,062
16 years$7,930$6,713$5,656$4,747$3,970$3,561
17 years$7,386$6,182$5,147$4,265$3,520$3,132
18 years$6,903$5,713$4,699$3,844$3,130$2,762
19 years$6,472$5,294$4,301$3,473$2,790$2,441
20 years$6,084$4,920$3,948$3,146$2,492$2,162
21 years$5,733$4,583$3,631$2,855$2,230$1,918
22 years$5,415$4,278$3,347$2,596$1,999$1,704
23 years$5,125$4,001$3,090$2,364$1,794$1,516
24 years$4,859$3,748$2,858$2,156$1,613$1,350
25 years$4,615$3,518$2,647$1,969$1,451$1,204
26 years$4,390$3,306$2,455$1,801$1,307$1,075
27 years$4,182$3,111$2,279$1,648$1,179$960
28 years$3,990$2,932$2,119$1,510$1,064$858
29 years$3,810$2,766$1,972$1,385$960$767
30 years$3,644$2,612$1,837$1,271$868$687
31 years$3,488$2,469$1,712$1,167$785$615
32 years$3,342$2,336$1,598$1,073$710$551
33 years$3,206$2,213$1,492$986$642$494
34 years$3,077$2,097$1,394$908$581$442
35 years$2,957$1,989$1,303$835$527$397
36 years$2,843$1,888$1,219$769$477$356
37 years$2,736$1,793$1,141$709$432$319
38 years$2,634$1,704$1,069$653$392$287
39 years$2,538$1,620$1,001$602$356$257
40 years$2,447$1,542$938$556$323$231
41 years$2,361$1,468$880$513$293$207
42 years$2,279$1,398$825$473$265$186
43 years$2,201$1,332$774$437$241$167
44 years$2,127$1,269$727$403$219$150
45 years$2,056$1,210$683$372$199$135
46 years$1,989$1,155$641$344$180$121
47 years$1,924$1,102$602$318$164$109
48 years$1,863$1,052$566$294$149$98
49 years$1,804$1,005$532$271$135$88
50 years$1,748$960$500$251$123$79

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 $3,652 every year, while hoping to spend $40,583 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: 71/8/21 Blend
34$1,790,000$1,790,000$1,790,000$1,790,000
35$1,976,347$1,881,477$1,853,732$2,106,238
36$2,134,754$1,930,489$1,872,652$2,242,312
37$2,307,959$1,980,543$1,890,846$2,386,094
38$2,497,428$2,031,647$1,908,246$2,542,520
39$2,704,775$2,083,807$1,924,782$2,712,839
40$2,931,779$2,137,030$1,940,379$2,898,428
41$3,180,397$2,191,322$1,954,958$3,100,801
42$3,452,787$2,246,685$1,968,438$3,321,628
43$3,751,321$2,303,123$1,980,731$3,562,748
44$4,078,616$2,360,636$1,991,746$3,826,188
45$4,437,552$2,419,225$2,001,387$4,114,181
46$4,831,302$2,478,886$2,009,552$4,429,188
47$5,263,359$2,539,616$2,016,136$4,773,918
48$5,737,572$2,601,408$2,021,028$5,151,359
49$6,258,182$2,664,254$2,024,110$5,564,802
50$6,829,859$2,728,145$2,025,260$6,017,874
51$7,457,747$2,793,066$2,024,348$6,514,572
52$8,147,514$2,859,003$2,021,241$7,059,299
53$8,905,403$2,925,937$2,015,795$7,656,907
54$9,738,292$2,993,846$2,007,862$8,312,746
55$10,653,758$3,062,705$1,997,286$9,032,706
56$11,660,150$3,132,486$1,983,904$9,823,284
57$12,766,666$3,203,158$1,967,544$10,691,635
58$13,983,436$3,274,684$1,948,028$11,645,645
59$15,321,627$3,347,023$1,925,167$12,694,005
60$16,793,537$3,420,131$1,898,764$13,846,293
61$18,412,719$3,493,958$1,868,614$15,113,064
62$20,194,103$3,568,450$1,834,500$16,505,949
63$22,154,143$3,643,545$1,796,196$18,037,766
64$24,310,964$3,719,177$1,753,468$19,722,641
65$26,684,540$3,795,274$1,706,066$21,576,143
66$29,296,876$3,871,756$1,653,733$23,615,426
67$32,172,223$3,948,537$1,596,198$25,859,399
68$35,337,297$4,025,523$1,533,178$28,328,896
69$38,821,539$4,102,612$1,464,378$31,046,880
70$42,657,389$4,179,693$1,389,487$34,038,656
71$46,880,591$4,256,646$1,308,183$37,332,111
72$51,530,533$4,333,343$1,220,129$40,957,980
73$56,650,614$4,409,644$1,124,970$44,950,131
74$62,288,659$4,485,398$1,022,339$49,345,889
75$68,497,364$4,560,445$911,849$54,186,391
76$75,334,798$4,634,609$793,099$59,516,967
77$82,864,947$4,707,705$665,667$65,387,575
78$91,158,321$4,779,532$529,116$71,853,272
79$100,292,614$4,849,874$382,986$78,974,732
80$110,353,445$4,918,501$226,800$86,818,818
81$121,435,156$4,985,167$60,057$95,459,220
82$133,641,709$5,049,608$0$104,977,144
83$147,087,667$5,111,542$0$115,488,499
84$161,899,269$5,170,668$0$127,081,574
85$178,215,627$5,226,663$0$139,851,712
86$196,190,037$5,279,186$0$153,918,827
87$215,991,423$5,327,868$0$169,415,056
88$237,805,936$5,372,322$0$186,486,014
89$261,838,706$5,412,130$0$205,292,162
90$288,315,781$5,446,851$0$226,010,328
91$317,486,257$5,476,013$0$248,835,369
92$349,624,633$5,499,116$0$273,982,015
93$385,033,399$5,515,626$0$301,686,895
94$424,045,892$5,524,977$0$332,210,769
95$467,029,439$5,526,568$0$365,840,991
96$514,388,831$5,519,759$0$402,894,222
97$566,570,136$5,503,871$0$443,719,417
98$624,064,914$5,478,185$0$488,701,120
99$687,414,855$5,441,936$0$538,263,095
100$757,216,893$5,394,313$0$592,872,326