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%18.7%
1 years$148,642$147,318$146,027$144,766$143,535$138,497
2 years$73,585$72,215$70,887$69,599$68,350$63,327
3 years$48,570$47,193$45,868$44,593$43,364$38,514
4 years$36,064$34,692$33,380$32,127$30,928$26,288
5 years$28,563$27,199$25,905$24,676$23,511$19,094
6 years$23,564$22,210$20,935$19,734$18,603$14,412
7 years$19,994$18,652$17,397$16,224$15,129$11,163
8 years$17,318$15,988$14,754$13,610$12,551$8,806
9 years$15,238$13,921$12,708$11,593$10,570$7,042
10 years$13,575$12,270$11,079$9,993$9,006$5,689
11 years$12,215$10,924$9,754$8,697$7,746$4,632
12 years$11,083$9,804$8,656$7,628$6,712$3,795
13 years$10,125$8,860$7,734$6,735$5,853$3,125
14 years$9,305$8,054$6,949$5,978$5,131$2,584
15 years$8,595$7,357$6,274$5,332$4,518$2,143
16 years$7,975$6,750$5,688$4,774$3,993$1,782
17 years$7,428$6,217$5,176$4,289$3,540$1,485
18 years$6,942$5,744$4,725$3,866$3,148$1,240
19 years$6,508$5,324$4,325$3,493$2,806$1,037
20 years$6,118$4,947$3,970$3,163$2,506$868
21 years$5,765$4,608$3,651$2,871$2,243$728
22 years$5,445$4,302$3,365$2,610$2,010$610
23 years$5,153$4,023$3,107$2,377$1,804$512
24 years$4,886$3,769$2,874$2,168$1,622$430
25 years$4,641$3,537$2,662$1,980$1,459$361
26 years$4,415$3,325$2,468$1,811$1,315$304
27 years$4,206$3,129$2,292$1,657$1,185$255
28 years$4,012$2,948$2,131$1,518$1,069$215
29 years$3,832$2,781$1,983$1,392$966$181
30 years$3,664$2,627$1,847$1,278$873$152
31 years$3,507$2,483$1,722$1,174$789$128
32 years$3,361$2,350$1,607$1,079$714$108
33 years$3,224$2,225$1,500$992$646$91
34 years$3,095$2,109$1,402$913$585$76
35 years$2,973$2,000$1,310$840$530$64
36 years$2,859$1,898$1,226$774$480$54
37 years$2,751$1,803$1,147$713$435$46
38 years$2,649$1,714$1,074$657$394$38
39 years$2,552$1,629$1,007$606$358$32
40 years$2,461$1,550$944$559$324$27
41 years$2,374$1,476$885$516$294$23
42 years$2,292$1,405$830$476$267$19
43 years$2,213$1,339$779$439$242$16
44 years$2,139$1,276$731$406$220$14
45 years$2,068$1,217$686$375$200$12
46 years$2,000$1,161$645$346$181$10
47 years$1,935$1,108$606$320$165$8
48 years$1,873$1,058$569$295$149$7
49 years$1,814$1,010$535$273$136$6
50 years$1,757$965$503$252$123$5

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 $4,002 every year, while hoping to spend $46,137 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: 68/24/8 Blend
34$1,800,000$1,800,000$1,800,000$1,800,000
35$1,987,728$1,892,328$1,864,428$2,119,741
36$2,141,387$1,935,963$1,877,797$2,251,438
37$2,309,173$1,980,189$1,890,067$2,389,448
38$2,492,478$2,024,988$1,901,154$2,539,138
39$2,692,834$2,070,336$1,910,967$2,701,644
40$2,911,930$2,116,209$1,919,411$2,878,215
41$3,151,623$2,162,580$1,926,387$3,070,229
42$3,413,960$2,209,417$1,931,792$3,279,203
43$3,701,192$2,256,687$1,935,515$3,506,808
44$4,015,800$2,304,351$1,937,442$3,754,883
45$4,360,517$2,352,369$1,937,451$4,025,456
46$4,738,350$2,400,696$1,935,417$4,320,759
47$5,152,614$2,449,283$1,931,205$4,643,253
48$5,606,958$2,498,075$1,924,678$4,995,646
49$6,105,401$2,547,014$1,915,688$5,380,925
50$6,652,372$2,596,037$1,904,084$5,802,380
51$7,252,746$2,645,076$1,889,703$6,263,633
52$7,911,897$2,694,055$1,872,378$6,768,679
53$8,635,741$2,742,894$1,851,933$7,321,917
54$9,430,797$2,791,506$1,828,183$7,928,195
55$10,304,246$2,839,798$1,800,936$8,592,854
56$11,264,000$2,887,669$1,769,988$9,321,782
57$12,318,773$2,935,010$1,735,128$10,121,464
58$13,478,167$2,981,705$1,696,134$10,999,049
59$14,752,761$3,027,629$1,652,775$11,962,411
60$16,154,207$3,072,647$1,604,807$13,020,231
61$17,695,345$3,116,616$1,551,978$14,182,073
62$19,390,323$3,159,382$1,494,021$15,458,477
63$21,254,724$3,200,780$1,430,659$16,861,059
64$23,305,722$3,240,635$1,361,602$18,402,618
65$25,562,237$3,278,757$1,286,547$20,097,261
66$28,045,115$3,314,946$1,205,176$21,960,532
67$30,777,325$3,348,987$1,117,159$24,009,564
68$33,784,178$3,380,653$1,022,148$26,263,234
69$37,093,557$3,409,698$919,783$28,742,349
70$40,736,190$3,435,863$809,686$31,469,837
71$44,745,932$3,458,872$691,462$34,470,968
72$49,160,090$3,478,429$564,699$37,773,588
73$54,019,770$3,494,222$428,967$41,408,387
74$59,370,265$3,505,918$283,816$45,409,185
75$65,261,486$3,513,162$128,777$49,813,257
76$71,748,428$3,515,577$0$54,661,678
77$78,891,692$3,512,765$0$60,002,848
78$86,758,053$3,504,299$0$65,895,460
79$95,421,095$3,489,731$0$72,383,535
80$104,961,900$3,468,580$0$79,527,714
81$115,469,814$3,440,341$0$87,394,822
82$127,043,292$3,404,475$0$96,058,501
83$139,790,825$3,360,411$0$105,599,905
84$153,831,963$3,307,545$0$116,108,471
85$169,298,445$3,245,237$0$127,682,755
86$186,335,441$3,172,807$0$140,431,371
87$205,102,919$3,089,539$0$154,474,013
88$225,777,160$2,994,669$0$169,942,587
89$248,552,417$2,887,394$0$186,982,454
90$273,642,748$2,766,862$0$205,753,808
91$301,284,040$2,632,169$0$226,433,186
92$331,736,230$2,482,363$0$249,215,133
93$365,285,762$2,316,436$0$274,314,046
94$402,248,288$2,133,319$0$301,966,193
95$442,971,647$1,931,886$0$332,431,948
96$487,839,152$1,710,945$0$365,998,248
97$537,273,200$1,469,236$0$402,981,305
98$591,739,267$1,205,429$0$443,729,592
99$651,750,295$918,118$0$488,627,135
100$717,871,537$605,818$0$538,097,136