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

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$148,642$147,318$146,027$144,766$143,535$140,636
2 years$73,585$72,215$70,887$69,599$68,350$65,443
3 years$48,570$47,193$45,868$44,593$43,364$40,539
4 years$36,064$34,692$33,380$32,127$30,928$28,206
5 years$28,563$27,199$25,905$24,676$23,511$20,900
6 years$23,564$22,210$20,935$19,734$18,603$16,106
7 years$19,994$18,652$17,397$16,224$15,129$12,747
8 years$17,318$15,988$14,754$13,610$12,551$10,283
9 years$15,238$13,921$12,708$11,593$10,570$8,414
10 years$13,575$12,270$11,079$9,993$9,006$6,961
11 years$12,215$10,924$9,754$8,697$7,746$5,808
12 years$11,083$9,804$8,656$7,628$6,712$4,879
13 years$10,125$8,860$7,734$6,735$5,853$4,122
14 years$9,305$8,054$6,949$5,978$5,131$3,498
15 years$8,595$7,357$6,274$5,332$4,518$2,980
16 years$7,975$6,750$5,688$4,774$3,993$2,547
17 years$7,428$6,217$5,176$4,289$3,540$2,182
18 years$6,942$5,744$4,725$3,866$3,148$1,874
19 years$6,508$5,324$4,325$3,493$2,806$1,612
20 years$6,118$4,947$3,970$3,163$2,506$1,389
21 years$5,765$4,608$3,651$2,871$2,243$1,199
22 years$5,445$4,302$3,365$2,610$2,010$1,036
23 years$5,153$4,023$3,107$2,377$1,804$896
24 years$4,886$3,769$2,874$2,168$1,622$775
25 years$4,641$3,537$2,662$1,980$1,459$671
26 years$4,415$3,325$2,468$1,811$1,315$582
27 years$4,206$3,129$2,292$1,657$1,185$505
28 years$4,012$2,948$2,131$1,518$1,069$438
29 years$3,832$2,781$1,983$1,392$966$380
30 years$3,664$2,627$1,847$1,278$873$330
31 years$3,507$2,483$1,722$1,174$789$287
32 years$3,361$2,350$1,607$1,079$714$249
33 years$3,224$2,225$1,500$992$646$216
34 years$3,095$2,109$1,402$913$585$188
35 years$2,973$2,000$1,310$840$530$163
36 years$2,859$1,898$1,226$774$480$142
37 years$2,751$1,803$1,147$713$435$124
38 years$2,649$1,714$1,074$657$394$107
39 years$2,552$1,629$1,007$606$358$93
40 years$2,461$1,550$944$559$324$81
41 years$2,374$1,476$885$516$294$71
42 years$2,292$1,405$830$476$267$62
43 years$2,213$1,339$779$439$242$54
44 years$2,139$1,276$731$406$220$47
45 years$2,068$1,217$686$375$200$41
46 years$2,000$1,161$645$346$181$35
47 years$1,935$1,108$606$320$165$31
48 years$1,873$1,058$569$295$149$27
49 years$1,814$1,010$535$273$136$23
50 years$1,757$965$503$252$123$20

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 $4,205 every year, while hoping to spend $27,546 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: 67/13/20 Blend
34$1,800,000$1,800,000$1,800,000$1,800,000
35$1,987,937$1,892,537$1,864,637$2,110,927
36$2,161,398$1,955,963$1,897,794$2,257,242
37$2,351,629$2,021,573$1,931,138$2,413,611
38$2,560,311$2,089,446$1,964,647$2,583,949
39$2,789,296$2,159,662$1,998,296$2,769,629
40$3,040,624$2,232,306$2,032,059$2,972,162
41$3,316,543$2,307,464$2,065,908$3,193,215
42$3,619,528$2,385,227$2,099,813$3,434,621
43$3,952,304$2,465,688$2,133,742$3,698,399
44$4,317,877$2,548,944$2,167,660$3,986,774
45$4,719,555$2,635,097$2,201,531$4,302,195
46$5,160,984$2,724,251$2,235,317$4,647,361
47$5,646,179$2,816,515$2,268,975$5,025,241
48$6,179,566$2,912,000$2,302,462$5,439,111
49$6,766,019$3,010,826$2,335,732$5,892,576
50$7,410,909$3,113,111$2,368,734$6,389,606
51$8,120,152$3,218,984$2,401,417$6,934,578
52$8,900,267$3,328,574$2,433,725$7,532,311
53$9,758,438$3,442,018$2,465,598$8,188,115
54$10,702,578$3,559,457$2,496,975$8,907,840
55$11,741,408$3,681,036$2,527,790$9,697,929
56$12,884,533$3,806,909$2,557,973$10,565,484
57$14,142,541$3,937,233$2,587,450$11,518,326
58$15,527,094$4,072,172$2,616,144$12,565,074
59$17,051,046$4,211,896$2,643,973$13,715,224
60$18,728,556$4,356,582$2,670,850$14,979,237
61$20,575,229$4,506,415$2,696,684$16,368,640
62$22,608,258$4,661,585$2,721,378$17,896,135
63$24,846,588$4,822,291$2,744,832$19,575,715
64$27,311,095$4,988,738$2,766,939$21,422,801
65$30,024,782$5,161,141$2,787,587$23,454,382
66$33,012,995$5,339,723$2,806,656$25,689,178
67$36,303,665$5,524,714$2,824,024$28,147,819
68$39,927,569$5,716,354$2,839,558$30,853,034
69$43,918,620$5,914,895$2,853,123$33,829,868
70$48,314,189$6,120,595$2,864,572$37,105,920
71$53,155,456$6,333,724$2,873,755$40,711,600
72$58,487,799$6,554,563$2,880,512$44,680,417
73$64,361,221$6,783,403$2,884,676$49,049,296
74$70,830,824$7,020,548$2,886,071$53,858,927
75$77,957,326$7,266,313$2,884,512$59,154,146
76$85,807,637$7,521,025$2,879,807$64,984,359
77$94,455,487$7,785,027$2,871,752$71,404,009
78$103,982,126$8,058,672$2,860,134$78,473,091
79$114,477,085$8,342,329$2,844,731$86,257,714
80$126,039,026$8,636,382$2,825,308$94,830,729
81$138,776,672$8,941,230$2,801,621$104,272,412
82$152,809,830$9,257,288$2,773,413$114,671,228
83$168,270,526$9,584,988$2,740,415$126,124,659
84$185,304,246$9,924,779$2,702,346$138,740,127
85$204,071,315$10,277,128$2,658,910$152,636,009
86$224,748,404$10,642,523$2,609,799$167,942,753
87$247,530,205$11,021,470$2,554,691$184,804,108
88$272,631,258$11,414,495$2,493,246$203,378,481
89$300,287,988$11,822,147$2,425,111$223,840,437
90$330,760,928$12,244,997$2,349,917$246,382,337
91$364,337,179$12,683,638$2,267,276$271,216,163
92$401,333,125$13,138,690$2,176,783$298,575,514
93$442,097,414$13,610,797$2,078,016$328,717,812
94$487,014,253$14,100,628$1,970,532$361,926,733
95$536,507,031$14,608,883$1,853,869$398,514,881
96$591,042,318$15,136,288$1,727,543$438,826,744
97$651,134,268$15,683,600$1,591,050$483,241,941
98$717,349,475$16,251,608$1,443,861$532,178,811
99$790,312,317$16,841,133$1,285,427$586,098,355
100$870,710,856$17,453,030$1,115,171$645,508,595