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%17.8%
1 years$149,468$148,137$146,838$145,570$144,332$139,768
2 years$73,994$72,616$71,280$69,986$68,729$64,173
3 years$48,839$47,455$46,123$44,840$43,605$39,198
4 years$36,265$34,885$33,566$32,305$31,099$26,876
5 years$28,722$27,350$26,048$24,813$23,641$19,614
6 years$23,695$22,333$21,051$19,843$18,706$14,878
7 years$20,105$18,756$17,494$16,314$15,213$11,583
8 years$17,414$16,077$14,836$13,686$12,621$9,186
9 years$15,323$13,998$12,778$11,657$10,629$7,386
10 years$13,650$12,338$11,140$10,049$9,056$6,001
11 years$12,283$10,984$9,808$8,745$7,789$4,915
12 years$11,144$9,859$8,704$7,671$6,749$4,051
13 years$10,182$8,909$7,777$6,772$5,886$3,357
14 years$9,357$8,098$6,987$6,012$5,159$2,793
15 years$8,643$7,398$6,309$5,361$4,543$2,331
16 years$8,019$6,788$5,720$4,800$4,015$1,951
17 years$7,469$6,251$5,205$4,313$3,560$1,637
18 years$6,980$5,776$4,751$3,887$3,165$1,376
19 years$6,544$5,353$4,349$3,512$2,821$1,158
20 years$6,152$4,975$3,992$3,181$2,520$976
21 years$5,797$4,634$3,672$2,887$2,255$824
22 years$5,475$4,325$3,384$2,625$2,021$696
23 years$5,182$4,045$3,124$2,391$1,815$588
24 years$4,913$3,790$2,890$2,180$1,631$498
25 years$4,666$3,557$2,676$1,991$1,468$421
26 years$4,439$3,343$2,482$1,821$1,322$357
27 years$4,229$3,146$2,305$1,666$1,192$302
28 years$4,034$2,965$2,143$1,527$1,075$256
29 years$3,853$2,797$1,994$1,400$971$217
30 years$3,684$2,641$1,857$1,285$877$184
31 years$3,527$2,497$1,732$1,180$793$156
32 years$3,380$2,363$1,616$1,085$718$132
33 years$3,241$2,237$1,508$997$649$112
34 years$3,112$2,121$1,409$918$588$95
35 years$2,990$2,011$1,318$845$533$81
36 years$2,875$1,909$1,233$778$483$69
37 years$2,766$1,813$1,154$717$437$58
38 years$2,664$1,723$1,080$661$396$49
39 years$2,567$1,639$1,012$609$360$42
40 years$2,475$1,559$949$562$326$36
41 years$2,387$1,484$890$518$296$30
42 years$2,304$1,413$835$478$268$26
43 years$2,226$1,347$783$442$244$22
44 years$2,151$1,284$735$408$221$18
45 years$2,079$1,224$690$377$201$16
46 years$2,011$1,168$648$348$182$13
47 years$1,946$1,114$609$321$166$11
48 years$1,884$1,064$572$297$150$10
49 years$1,824$1,016$538$274$137$8
50 years$1,767$970$506$254$124$7

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 $4,410 every year, while hoping to spend $40,709 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: 25/45/30 Blend
34$1,810,000$1,810,000$1,810,000$1,810,000
35$1,999,169$1,903,239$1,875,184$2,030,334
36$2,159,770$1,953,184$1,894,689$2,106,960
37$2,335,388$2,004,211$1,913,482$2,185,336
38$2,527,512$2,056,332$1,931,498$2,268,536
39$2,737,781$2,109,554$1,948,666$2,356,996
40$2,967,999$2,163,888$1,964,911$2,451,192
41$3,220,156$2,219,338$1,980,156$2,551,652
42$3,496,439$2,275,913$1,994,318$2,658,957
43$3,799,259$2,333,617$2,007,312$2,773,747
44$4,131,272$2,392,452$2,019,045$2,896,725
45$4,495,402$2,452,423$2,029,423$3,028,670
46$4,894,869$2,513,527$2,038,345$3,170,438
47$5,333,221$2,575,766$2,045,705$3,322,973
48$5,814,367$2,639,135$2,051,393$3,487,316
49$6,342,609$2,703,630$2,055,292$3,664,614
50$6,922,690$2,769,243$2,057,279$3,856,133
51$7,559,834$2,835,965$2,057,227$4,063,267
52$8,259,793$2,903,783$2,055,000$4,287,554
53$9,028,907$2,972,684$2,050,458$4,530,691
54$9,874,159$3,042,649$2,043,452$4,794,546
55$10,803,243$3,113,658$2,033,827$5,081,181
56$11,824,633$3,185,687$2,021,420$5,392,870
57$12,947,668$3,258,708$2,006,060$5,732,120
58$14,182,636$3,332,690$1,987,568$6,101,694
59$15,540,871$3,407,599$1,965,758$6,504,642
60$17,034,862$3,483,393$1,940,433$6,944,323
61$18,678,368$3,560,029$1,911,387$7,424,445
62$20,486,548$3,637,457$1,878,406$7,949,094
63$22,476,108$3,715,624$1,841,264$8,522,776
64$24,665,450$3,794,469$1,799,726$9,150,461
65$27,074,853$3,873,926$1,753,544$9,837,628
66$29,726,662$3,953,922$1,702,462$10,590,318
67$32,645,496$4,034,378$1,646,208$11,415,194
68$35,858,482$4,115,209$1,584,502$12,319,602
69$39,395,512$4,196,319$1,517,048$13,311,639
70$43,289,523$4,277,606$1,443,537$14,400,238
71$47,576,806$4,358,961$1,363,647$15,595,243
72$52,297,351$4,440,261$1,277,041$16,907,512
73$57,495,226$4,521,379$1,183,366$18,349,014
74$63,218,985$4,602,173$1,082,256$19,932,947
75$69,522,134$4,682,492$973,324$21,673,860
76$76,463,631$4,762,173$856,169$23,587,796
77$84,108,443$4,841,041$730,373$25,692,440
78$92,528,160$4,918,908$595,496$28,007,290
79$101,801,669$4,995,571$451,081$30,553,844
80$112,015,898$5,070,813$296,651$33,355,799
81$123,266,638$5,144,401$131,707$36,439,282
82$135,659,445$5,216,086$0$39,833,095
83$149,310,635$5,285,601$0$43,583,174
84$164,348,386$5,352,662$0$47,756,251
85$180,913,941$5,416,962$0$52,348,888
86$199,162,947$5,478,177$0$57,403,811
87$219,266,918$5,535,959$0$62,968,107
88$241,414,859$5,589,936$0$69,093,669
89$265,815,046$5,639,714$0$75,837,691
90$292,696,991$5,684,870$0$83,263,201
91$322,313,613$5,724,958$0$91,439,664
92$354,943,618$5,759,497$0$100,443,639
93$390,894,135$5,787,980$0$110,359,496
94$430,503,612$5,809,867$0$121,280,221
95$474,145,012$5,824,582$0$133,308,291
96$522,229,330$5,831,513$0$146,556,646
97$575,209,477$5,830,013$0$161,149,754
98$633,584,551$5,819,390$0$177,224,788
99$697,904,549$5,798,914$0$194,932,925
100$768,775,560$5,767,808$0$214,440,775