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%12.6%
1 years$148,642$147,318$146,027$144,766$143,535$141,976
2 years$73,585$72,215$70,887$69,599$68,350$66,781
3 years$48,570$47,193$45,868$44,593$43,364$41,833
4 years$36,064$34,692$33,380$32,127$30,928$29,447
5 years$28,563$27,199$25,905$24,676$23,511$22,084
6 years$23,564$22,210$20,935$19,734$18,603$17,232
7 years$19,994$18,652$17,397$16,224$15,129$13,815
8 years$17,318$15,988$14,754$13,610$12,551$11,293
9 years$15,238$13,921$12,708$11,593$10,570$9,368
10 years$13,575$12,270$11,079$9,993$9,006$7,859
11 years$12,215$10,924$9,754$8,697$7,746$6,652
12 years$11,083$9,804$8,656$7,628$6,712$5,672
13 years$10,125$8,860$7,734$6,735$5,853$4,865
14 years$9,305$8,054$6,949$5,978$5,131$4,193
15 years$8,595$7,357$6,274$5,332$4,518$3,628
16 years$7,975$6,750$5,688$4,774$3,993$3,151
17 years$7,428$6,217$5,176$4,289$3,540$2,744
18 years$6,942$5,744$4,725$3,866$3,148$2,396
19 years$6,508$5,324$4,325$3,493$2,806$2,096
20 years$6,118$4,947$3,970$3,163$2,506$1,838
21 years$5,765$4,608$3,651$2,871$2,243$1,614
22 years$5,445$4,302$3,365$2,610$2,010$1,419
23 years$5,153$4,023$3,107$2,377$1,804$1,249
24 years$4,886$3,769$2,874$2,168$1,622$1,101
25 years$4,641$3,537$2,662$1,980$1,459$971
26 years$4,415$3,325$2,468$1,811$1,315$857
27 years$4,206$3,129$2,292$1,657$1,185$757
28 years$4,012$2,948$2,131$1,518$1,069$669
29 years$3,832$2,781$1,983$1,392$966$592
30 years$3,664$2,627$1,847$1,278$873$524
31 years$3,507$2,483$1,722$1,174$789$463
32 years$3,361$2,350$1,607$1,079$714$410
33 years$3,224$2,225$1,500$992$646$364
34 years$3,095$2,109$1,402$913$585$322
35 years$2,973$2,000$1,310$840$530$286
36 years$2,859$1,898$1,226$774$480$253
37 years$2,751$1,803$1,147$713$435$224
38 years$2,649$1,714$1,074$657$394$199
39 years$2,552$1,629$1,007$606$358$177
40 years$2,461$1,550$944$559$324$157
41 years$2,374$1,476$885$516$294$139
42 years$2,292$1,405$830$476$267$123
43 years$2,213$1,339$779$439$242$109
44 years$2,139$1,276$731$406$220$97
45 years$2,068$1,217$686$375$200$86
46 years$2,000$1,161$645$346$181$77
47 years$1,935$1,108$606$320$165$68
48 years$1,873$1,058$569$295$149$60
49 years$1,814$1,010$535$273$136$54
50 years$1,757$965$503$252$123$48

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 $3,897 every year, while hoping to spend $24,690 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: 61/24/15 Blend
34$1,800,000$1,800,000$1,800,000$1,800,000
35$1,987,620$1,892,220$1,864,320$2,101,202
36$2,164,087$1,958,669$1,900,504$2,244,558
37$2,357,726$2,027,546$1,937,074$2,397,802
38$2,570,263$2,098,945$1,974,015$2,564,443
39$2,803,599$2,172,961$2,011,313$2,745,782
40$3,059,826$2,249,697$2,048,952$2,943,248
41$3,341,252$2,329,255$2,086,916$3,158,417
42$3,650,417$2,411,746$2,125,184$3,393,021
43$3,990,120$2,497,282$2,163,739$3,648,966
44$4,363,444$2,585,981$2,202,556$3,928,352
45$4,773,787$2,677,966$2,241,613$4,233,490
46$5,224,892$2,773,364$2,280,885$4,566,923
47$5,720,880$2,872,309$2,320,344$4,931,453
48$6,266,295$2,974,937$2,359,961$5,330,163
49$6,866,142$3,081,394$2,399,705$5,766,450
50$7,525,935$3,191,829$2,439,542$6,244,053
51$8,251,750$3,306,397$2,479,435$6,767,089
52$9,050,279$3,425,262$2,519,348$7,340,094
53$9,928,900$3,548,592$2,559,238$7,968,061
54$10,895,738$3,676,563$2,599,063$8,656,491
55$11,959,747$3,809,359$2,638,775$9,411,443
56$13,130,794$3,947,170$2,678,327$10,239,589
57$14,419,749$4,090,195$2,717,664$11,148,277
58$15,838,589$4,238,641$2,756,732$12,145,605
59$17,400,515$4,392,723$2,795,472$13,240,490
60$19,120,068$4,552,667$2,833,821$14,442,753
61$21,013,273$4,718,707$2,871,712$15,763,218
62$23,097,789$4,891,085$2,909,077$17,213,803
63$25,393,072$5,070,056$2,945,839$18,807,642
64$27,920,561$5,255,886$2,981,921$20,559,200
65$30,703,883$5,448,849$3,017,240$22,484,416
66$33,769,070$5,649,233$3,051,708$24,600,849
67$37,144,807$5,857,337$3,085,233$26,927,842
68$40,862,705$6,073,475$3,117,716$29,486,709
69$44,957,597$6,297,971$3,149,055$32,300,931
70$49,467,864$6,531,164$3,179,141$35,396,378
71$54,435,804$6,773,408$3,207,859$38,801,553
72$59,908,023$7,025,073$3,235,090$42,547,862
73$65,935,881$7,286,541$3,260,705$46,669,907
74$72,575,974$7,558,214$3,284,572$51,205,813
75$79,890,668$7,840,511$3,306,549$56,197,586
76$87,948,686$8,133,866$3,326,488$61,691,512
77$96,825,761$8,438,734$3,344,235$67,738,591
78$106,605,346$8,755,590$3,359,624$74,395,014
79$117,379,405$9,084,927$3,372,485$81,722,700
80$129,249,277$9,427,262$3,382,637$89,789,874
81$142,326,638$9,783,132$3,389,889$98,671,711
82$156,734,548$10,153,099$3,394,044$108,451,047
83$172,608,619$10,537,748$3,394,891$119,219,158
84$190,098,290$10,937,689$3,392,212$131,076,620
85$209,368,241$11,353,561$3,385,776$144,134,258
86$230,599,944$11,786,029$3,375,343$158,514,193
87$253,993,380$12,235,785$3,360,658$174,350,991
88$279,768,922$12,703,556$3,341,457$191,792,933
89$308,169,417$13,190,096$3,317,461$211,003,413
90$339,462,482$13,696,194$3,288,380$232,162,482
91$373,943,022$14,222,675$3,253,908$255,468,543
92$411,936,021$14,770,397$3,213,725$281,140,222
93$453,799,607$15,340,258$3,167,496$309,418,434
94$499,928,431$15,933,195$3,114,872$340,568,655
95$550,757,395$16,550,185$3,055,484$374,883,423
96$606,765,755$17,192,251$2,988,949$412,685,102
97$668,481,649$17,860,457$2,914,865$454,328,923
98$736,487,075$18,555,918$2,832,811$500,206,333
99$811,423,395$19,279,796$2,742,348$550,748,693
100$893,997,380$20,033,305$2,643,016$606,431,343