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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.9%
1 years$149,468$148,137$146,838$145,570$144,332$139,712
2 years$73,994$72,616$71,280$69,986$68,729$64,117
3 years$48,839$47,455$46,123$44,840$43,605$39,145
4 years$36,265$34,885$33,566$32,305$31,099$26,827
5 years$28,722$27,350$26,048$24,813$23,641$19,567
6 years$23,695$22,333$21,051$19,843$18,706$14,834
7 years$20,105$18,756$17,494$16,314$15,213$11,543
8 years$17,414$16,077$14,836$13,686$12,621$9,149
9 years$15,323$13,998$12,778$11,657$10,629$7,352
10 years$13,650$12,338$11,140$10,049$9,056$5,969
11 years$12,283$10,984$9,808$8,745$7,789$4,886
12 years$11,144$9,859$8,704$7,671$6,749$4,025
13 years$10,182$8,909$7,777$6,772$5,886$3,332
14 years$9,357$8,098$6,987$6,012$5,159$2,770
15 years$8,643$7,398$6,309$5,361$4,543$2,311
16 years$8,019$6,788$5,720$4,800$4,015$1,933
17 years$7,469$6,251$5,205$4,313$3,560$1,620
18 years$6,980$5,776$4,751$3,887$3,165$1,361
19 years$6,544$5,353$4,349$3,512$2,821$1,145
20 years$6,152$4,975$3,992$3,181$2,520$964
21 years$5,797$4,634$3,672$2,887$2,255$813
22 years$5,475$4,325$3,384$2,625$2,021$686
23 years$5,182$4,045$3,124$2,391$1,815$580
24 years$4,913$3,790$2,890$2,180$1,631$490
25 years$4,666$3,557$2,676$1,991$1,468$414
26 years$4,439$3,343$2,482$1,821$1,322$351
27 years$4,229$3,146$2,305$1,666$1,192$297
28 years$4,034$2,965$2,143$1,527$1,075$251
29 years$3,853$2,797$1,994$1,400$971$213
30 years$3,684$2,641$1,857$1,285$877$180
31 years$3,527$2,497$1,732$1,180$793$153
32 years$3,380$2,363$1,616$1,085$718$129
33 years$3,241$2,237$1,508$997$649$110
34 years$3,112$2,121$1,409$918$588$93
35 years$2,990$2,011$1,318$845$533$79
36 years$2,875$1,909$1,233$778$483$67
37 years$2,766$1,813$1,154$717$437$57
38 years$2,664$1,723$1,080$661$396$48
39 years$2,567$1,639$1,012$609$360$41
40 years$2,475$1,559$949$562$326$35
41 years$2,387$1,484$890$518$296$29
42 years$2,304$1,413$835$478$268$25
43 years$2,226$1,347$783$442$244$21
44 years$2,151$1,284$735$408$221$18
45 years$2,079$1,224$690$377$201$15
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$9
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 $6,805 every year, while hoping to spend $29,995 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: 70/7/23 Blend
34$1,810,000$1,810,000$1,810,000$1,810,000
35$2,001,639$1,905,709$1,877,654$2,129,749
36$2,173,892$1,967,175$1,908,641$2,277,718
37$2,362,709$2,030,646$1,939,661$2,435,489
38$2,569,749$2,096,191$1,970,683$2,607,472
39$2,796,837$2,163,878$2,001,675$2,795,073
40$3,045,985$2,233,779$2,032,601$2,999,840
41$3,319,407$2,305,966$2,063,425$3,223,480
42$3,619,545$2,380,517$2,094,108$3,467,871
43$3,949,086$2,457,510$2,124,608$3,735,083
44$4,310,991$2,537,026$2,154,881$4,027,394
45$4,708,522$2,619,150$2,184,879$4,347,317
46$5,145,273$2,703,969$2,214,554$4,697,618
47$5,625,200$2,791,574$2,243,851$5,081,345
48$6,152,667$2,882,057$2,272,716$5,501,854
49$6,732,476$2,975,515$2,301,090$5,962,847
50$7,369,922$3,072,048$2,328,909$6,468,398
51$8,070,835$3,171,760$2,356,109$7,022,998
52$8,841,640$3,274,756$2,382,619$7,631,594
53$9,689,417$3,381,148$2,408,366$8,299,637
54$10,621,963$3,491,050$2,433,272$9,033,134
55$11,647,872$3,604,581$2,457,255$9,838,703
56$12,776,612$3,721,862$2,480,230$10,723,636
57$14,018,614$3,843,020$2,502,105$11,695,967
58$15,385,371$3,968,188$2,522,784$12,764,549
59$16,889,549$4,097,499$2,542,168$13,939,139
60$18,545,102$4,231,095$2,560,149$15,230,486
61$20,367,405$4,369,121$2,576,617$16,650,435
62$22,373,400$4,511,728$2,591,453$18,212,038
63$24,581,754$4,659,070$2,604,534$19,929,677
64$27,013,039$4,811,310$2,615,732$21,819,202
65$29,689,918$4,968,614$2,624,908$23,898,077
66$32,637,368$5,131,154$2,631,921$26,185,546
67$35,882,909$5,299,110$2,636,620$28,702,817
68$39,456,866$5,472,667$2,638,847$31,473,258
69$43,392,654$5,652,015$2,638,436$34,522,621
70$47,727,095$5,837,354$2,635,214$37,879,283
71$52,500,764$6,028,889$2,628,998$41,574,516
72$57,758,370$6,226,833$2,619,598$45,642,779
73$63,549,181$6,431,406$2,606,812$50,122,047
74$69,927,488$6,642,835$2,590,431$55,054,166
75$76,953,116$6,861,358$2,570,234$60,485,250
76$84,691,988$7,087,218$2,545,991$66,466,116
77$93,216,748$7,320,670$2,517,460$73,052,763
78$102,607,449$7,561,976$2,484,387$80,306,904
79$112,952,304$7,811,407$2,446,508$88,296,541
80$124,348,518$8,069,245$2,403,546$97,096,617
81$136,903,211$8,335,783$2,355,209$106,789,714
82$150,734,425$8,611,322$2,301,195$117,466,840
83$165,972,235$8,896,175$2,241,183$129,228,284
84$182,759,983$9,190,668$2,174,843$142,184,565
85$201,255,626$9,495,136$2,101,826$156,457,472
86$221,633,231$9,809,928$2,021,767$172,181,220
87$244,084,611$10,135,405$1,934,287$189,503,711
88$268,821,143$10,471,941$1,838,987$208,587,934
89$296,075,757$10,819,925$1,735,451$229,613,502
90$326,105,141$11,179,758$1,623,245$252,778,348
91$359,192,156$11,551,856$1,501,915$278,300,597
92$395,648,512$11,936,653$1,370,985$306,420,619
93$435,817,706$12,334,595$1,229,959$337,403,306
94$480,078,270$12,746,148$1,078,320$371,540,565
95$528,847,336$13,171,792$915,527$409,154,083
96$582,584,582$13,612,027$741,014$450,598,355
97$641,796,563$14,067,370$554,192$496,264,038
98$707,041,499$14,538,358$354,444$546,581,636
99$778,934,542$15,025,548$141,128$602,025,565
100$858,153,582$15,529,516$0$663,118,633