Can I retire at age 35 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$149,468$148,137$146,838$145,570$144,332$143,182
2 years$73,994$72,616$71,280$69,986$68,729$67,571
3 years$48,839$47,455$46,123$44,840$43,605$42,473
4 years$36,265$34,885$33,566$32,305$31,099$30,003
5 years$28,722$27,350$26,048$24,813$23,641$22,583
6 years$23,695$22,333$21,051$19,843$18,706$17,688
7 years$20,105$18,756$17,494$16,314$15,213$14,236
8 years$17,414$16,077$14,836$13,686$12,621$11,684
9 years$15,323$13,998$12,778$11,657$10,629$9,732
10 years$13,650$12,338$11,140$10,049$9,056$8,199
11 years$12,283$10,984$9,808$8,745$7,789$6,970
12 years$11,144$9,859$8,704$7,671$6,749$5,969
13 years$10,182$8,909$7,777$6,772$5,886$5,143
14 years$9,357$8,098$6,987$6,012$5,159$4,453
15 years$8,643$7,398$6,309$5,361$4,543$3,872
16 years$8,019$6,788$5,720$4,800$4,015$3,378
17 years$7,469$6,251$5,205$4,313$3,560$2,957
18 years$6,980$5,776$4,751$3,887$3,165$2,594
19 years$6,544$5,353$4,349$3,512$2,821$2,282
20 years$6,152$4,975$3,992$3,181$2,520$2,010
21 years$5,797$4,634$3,672$2,887$2,255$1,774
22 years$5,475$4,325$3,384$2,625$2,021$1,568
23 years$5,182$4,045$3,124$2,391$1,815$1,388
24 years$4,913$3,790$2,890$2,180$1,631$1,230
25 years$4,666$3,557$2,676$1,991$1,468$1,091
26 years$4,439$3,343$2,482$1,821$1,322$968
27 years$4,229$3,146$2,305$1,666$1,192$860
28 years$4,034$2,965$2,143$1,527$1,075$764
29 years$3,853$2,797$1,994$1,400$971$680
30 years$3,684$2,641$1,857$1,285$877$605
31 years$3,527$2,497$1,732$1,180$793$539
32 years$3,380$2,363$1,616$1,085$718$480
33 years$3,241$2,237$1,508$997$649$427
34 years$3,112$2,121$1,409$918$588$381
35 years$2,990$2,011$1,318$845$533$340
36 years$2,875$1,909$1,233$778$483$303
37 years$2,766$1,813$1,154$717$437$270
38 years$2,664$1,723$1,080$661$396$241
39 years$2,567$1,639$1,012$609$360$215
40 years$2,475$1,559$949$562$326$192
41 years$2,387$1,484$890$518$296$171
42 years$2,304$1,413$835$478$268$153
43 years$2,226$1,347$783$442$244$137
44 years$2,151$1,284$735$408$221$122
45 years$2,079$1,224$690$377$201$109
46 years$2,011$1,168$648$348$182$97
47 years$1,946$1,114$609$321$166$87
48 years$1,884$1,064$572$297$150$78
49 years$1,824$1,016$538$274$137$69
50 years$1,767$970$506$254$124$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,810,000, adding $2,886 every year, while hoping to spend $32,145 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: 46/24/30 Blend
34$1,810,000$1,810,000$1,810,000$1,810,000
35$1,997,597$1,901,667$1,873,612$2,072,094
36$2,167,150$1,960,647$1,902,176$2,184,304
37$2,352,920$2,021,439$1,930,619$2,302,673
38$2,556,527$2,084,099$1,958,904$2,430,507
39$2,779,755$2,148,682$1,986,991$2,568,712
40$3,024,571$2,215,249$2,014,835$2,718,287
41$3,293,138$2,283,857$2,042,393$2,880,330
42$3,587,841$2,354,568$2,069,616$3,056,051
43$3,911,306$2,427,447$2,096,454$3,246,780
44$4,266,426$2,502,559$2,122,851$3,453,984
45$4,656,387$2,579,970$2,148,753$3,679,277
46$5,084,700$2,659,750$2,174,098$3,924,439
47$5,555,232$2,741,970$2,198,822$4,191,428
48$6,072,243$2,826,704$2,222,860$4,482,401
49$6,640,425$2,914,026$2,246,139$4,799,733
50$7,264,950$3,004,015$2,268,587$5,146,044
51$7,951,514$3,096,750$2,290,123$5,524,215
52$8,706,391$3,192,314$2,310,665$5,937,423
53$9,536,496$3,290,791$2,330,125$6,389,168
54$10,449,447$3,392,267$2,348,412$6,883,304
55$11,453,635$3,496,833$2,365,429$7,424,079
56$12,558,309$3,604,581$2,381,074$8,016,171
57$13,773,656$3,715,606$2,395,240$8,664,736
58$15,110,903$3,830,003$2,407,814$9,375,454
59$16,582,417$3,947,875$2,418,677$10,154,584
60$18,201,826$4,069,324$2,427,706$11,009,022
61$19,984,148$4,194,457$2,434,770$11,946,365
62$21,945,927$4,323,381$2,439,730$12,974,987
63$24,105,394$4,456,209$2,442,444$14,104,112
64$26,482,638$4,593,058$2,442,760$15,343,907
65$29,099,794$4,734,044$2,440,519$16,705,572
66$31,981,251$4,879,290$2,435,554$18,201,450
67$35,153,885$5,028,922$2,427,692$19,845,143
68$38,647,310$5,183,067$2,416,748$21,651,638
69$42,494,157$5,341,860$2,402,531$23,637,451
70$46,730,385$5,505,435$2,384,840$25,820,782
71$51,395,616$5,673,932$2,363,463$28,221,687
72$56,533,510$5,847,496$2,338,181$30,862,265
73$62,192,179$6,026,275$2,308,761$33,766,871
74$68,424,638$6,210,419$2,274,961$36,962,343
75$75,289,307$6,400,085$2,236,528$40,478,256
76$82,850,561$6,595,434$2,193,196$44,347,201
77$91,179,337$6,796,630$2,144,688$48,605,093
78$100,353,807$7,003,842$2,090,712$53,291,512
79$110,460,109$7,217,244$2,030,964$58,450,072
80$121,593,165$7,437,014$1,965,127$64,128,839
81$133,857,577$7,663,336$1,892,867$70,380,779
82$147,368,608$7,896,398$1,813,837$77,264,262
83$162,253,278$8,136,393$1,727,672$84,843,613
84$178,651,555$8,383,520$1,633,992$93,189,717
85$196,717,683$8,637,982$1,532,400$102,380,691
86$216,621,632$8,899,987$1,422,481$112,502,622
87$238,550,704$9,169,752$1,303,799$123,650,374
88$262,711,301$9,447,496$1,175,902$135,928,495
89$289,330,875$9,733,444$1,038,316$149,452,193
90$318,660,071$10,027,830$890,546$164,348,430
91$350,975,094$10,330,889$732,075$180,757,121
92$386,580,318$10,642,867$562,364$198,832,454
93$425,811,156$10,964,014$380,849$218,744,344
94$469,037,229$11,294,585$186,942$240,680,042
95$516,665,851$11,634,844$0$264,845,901
96$569,145,878$11,985,062$0$291,475,723
97$626,971,940$12,345,513$0$320,877,987
98$690,689,117$12,716,482$0$353,269,169
99$760,898,075$13,098,258$0$388,953,832
100$838,260,746$13,491,140$0$428,267,594