Can I retire at age 35 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$148,642$147,318$146,027$144,766$143,535$139,668
2 years$73,585$72,215$70,887$69,599$68,350$64,482
3 years$48,570$47,193$45,868$44,593$43,364$39,616
4 years$36,064$34,692$33,380$32,127$30,928$27,328
5 years$28,563$27,199$25,905$24,676$23,511$20,070
6 years$23,564$22,210$20,935$19,734$18,603$15,324
7 years$19,994$18,652$17,397$16,224$15,129$12,012
8 years$17,318$15,988$14,754$13,610$12,551$9,594
9 years$15,238$13,921$12,708$11,593$10,570$7,771
10 years$13,575$12,270$11,079$9,993$9,006$6,361
11 years$12,215$10,924$9,754$8,697$7,746$5,250
12 years$11,083$9,804$8,656$7,628$6,712$4,362
13 years$10,125$8,860$7,734$6,735$5,853$3,643
14 years$9,305$8,054$6,949$5,978$5,131$3,056
15 years$8,595$7,357$6,274$5,332$4,518$2,573
16 years$7,975$6,750$5,688$4,774$3,993$2,172
17 years$7,428$6,217$5,176$4,289$3,540$1,839
18 years$6,942$5,744$4,725$3,866$3,148$1,559
19 years$6,508$5,324$4,325$3,493$2,806$1,325
20 years$6,118$4,947$3,970$3,163$2,506$1,127
21 years$5,765$4,608$3,651$2,871$2,243$960
22 years$5,445$4,302$3,365$2,610$2,010$818
23 years$5,153$4,023$3,107$2,377$1,804$698
24 years$4,886$3,769$2,874$2,168$1,622$596
25 years$4,641$3,537$2,662$1,980$1,459$510
26 years$4,415$3,325$2,468$1,811$1,315$436
27 years$4,206$3,129$2,292$1,657$1,185$373
28 years$4,012$2,948$2,131$1,518$1,069$319
29 years$3,832$2,781$1,983$1,392$966$273
30 years$3,664$2,627$1,847$1,278$873$234
31 years$3,507$2,483$1,722$1,174$789$200
32 years$3,361$2,350$1,607$1,079$714$171
33 years$3,224$2,225$1,500$992$646$147
34 years$3,095$2,109$1,402$913$585$126
35 years$2,973$2,000$1,310$840$530$108
36 years$2,859$1,898$1,226$774$480$92
37 years$2,751$1,803$1,147$713$435$79
38 years$2,649$1,714$1,074$657$394$68
39 years$2,552$1,629$1,007$606$358$58
40 years$2,461$1,550$944$559$324$50
41 years$2,374$1,476$885$516$294$43
42 years$2,292$1,405$830$476$267$37
43 years$2,213$1,339$779$439$242$31
44 years$2,139$1,276$731$406$220$27
45 years$2,068$1,217$686$375$200$23
46 years$2,000$1,161$645$346$181$20
47 years$1,935$1,108$606$320$165$17
48 years$1,873$1,058$569$295$149$15
49 years$1,814$1,010$535$273$136$13
50 years$1,757$965$503$252$123$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,800,000, adding $4,076 every year, while hoping to spend $57,390 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: 35/35/30 Blend
34$1,800,000$1,800,000$1,800,000$1,800,000
35$1,987,804$1,892,404$1,864,504$2,039,318
36$2,129,498$1,924,070$1,865,903$2,110,134
37$2,283,721$1,955,363$1,865,425$2,181,079
38$2,451,690$1,986,206$1,862,946$2,256,545
39$2,634,746$2,016,513$1,858,338$2,336,978
40$2,834,362$2,046,195$1,851,465$2,422,869
41$3,052,162$2,075,153$1,842,184$2,514,766
42$3,289,932$2,103,285$1,830,346$2,613,273
43$3,549,637$2,130,477$1,815,794$2,719,059
44$3,833,441$2,156,613$1,798,365$2,832,864
45$4,143,729$2,181,564$1,777,888$2,955,509
46$4,483,124$2,205,195$1,754,181$3,087,899
47$4,854,514$2,227,360$1,727,057$3,231,038
48$5,261,080$2,247,907$1,696,320$3,386,034
49$5,706,325$2,266,669$1,661,761$3,554,114
50$6,194,107$2,283,472$1,623,167$3,736,636
51$6,728,673$2,298,130$1,580,310$3,935,098
52$7,314,702$2,310,442$1,532,955$4,151,160
53$7,957,346$2,320,199$1,480,853$4,386,655
54$8,662,282$2,327,175$1,423,748$4,643,610
55$9,435,759$2,331,131$1,361,368$4,924,263
56$10,284,664$2,331,814$1,293,432$5,231,090
57$11,216,580$2,328,953$1,219,642$5,566,827
58$12,239,863$2,322,263$1,139,692$5,934,494
59$13,363,715$2,311,440$1,053,257$6,337,431
60$14,598,274$2,296,161$960,002$6,779,324
61$15,954,710$2,276,085$859,574$7,264,247
62$17,445,325$2,250,848$751,604$7,796,698
63$19,083,675$2,220,067$635,710$8,381,646
64$20,884,693$2,183,333$511,490$9,024,577
65$22,864,832$2,140,216$378,524$9,731,548
66$25,042,216$2,090,258$236,376$10,509,248
67$27,436,816$2,032,974$84,588$11,365,059
68$30,070,634$1,967,854$0$12,307,132
69$32,967,913$1,894,353$0$13,369,239
70$36,155,362$1,811,897$0$14,567,041
71$39,662,409$1,719,881$0$15,884,561
72$43,521,480$1,617,660$0$17,334,066
73$47,768,301$1,504,556$0$18,929,087
74$52,442,239$1,379,850$0$20,684,542
75$57,586,668$1,242,783$0$22,616,879
76$63,249,381$1,092,552$0$24,744,236
77$69,483,040$928,309$0$27,086,613
78$76,345,672$749,159$0$29,666,060
79$83,901,217$554,154$0$32,506,889
80$92,220,129$342,295$0$35,635,905
81$101,380,040$112,526$0$39,082,663
82$111,466,497$0$0$42,879,745
83$122,573,761$0$0$47,115,558
84$134,805,703$0$0$51,828,342
85$148,276,780$0$0$57,018,900
86$163,113,116$0$0$62,735,874
87$179,453,688$0$0$69,032,862
88$197,451,645$0$0$75,968,927
89$217,275,744$0$0$83,609,155
90$239,111,948$0$0$92,025,265
91$263,165,179$0$0$101,296,289
92$289,661,249$0$0$111,509,318
93$318,848,995$0$0$122,760,321
94$351,002,623$0$0$135,155,054
95$386,424,298$0$0$148,810,054
96$425,446,997$0$0$163,853,744
97$468,437,643$0$0$180,427,640
98$515,800,581$0$0$198,687,689
99$567,981,380$0$0$218,805,741
100$625,471,048$0$0$240,971,169