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%16.2%
1 years$149,468$148,137$146,838$145,570$144,332$140,672
2 years$73,994$72,616$71,280$69,986$68,729$65,065
3 years$48,839$47,455$46,123$44,840$43,605$40,052
4 years$36,265$34,885$33,566$32,305$31,099$27,685
5 years$28,722$27,350$26,048$24,813$23,641$20,374
6 years$23,695$22,333$21,051$19,843$18,706$15,591
7 years$20,105$18,756$17,494$16,314$15,213$12,249
8 years$17,414$16,077$14,836$13,686$12,621$9,806
9 years$15,323$13,998$12,778$11,657$10,629$7,961
10 years$13,650$12,338$11,140$10,049$9,056$6,533
11 years$12,283$10,984$9,808$8,745$7,789$5,406
12 years$11,144$9,859$8,704$7,671$6,749$4,504
13 years$10,182$8,909$7,777$6,772$5,886$3,772
14 years$9,357$8,098$6,987$6,012$5,159$3,173
15 years$8,643$7,398$6,309$5,361$4,543$2,678
16 years$8,019$6,788$5,720$4,800$4,015$2,268
17 years$7,469$6,251$5,205$4,313$3,560$1,925
18 years$6,980$5,776$4,751$3,887$3,165$1,637
19 years$6,544$5,353$4,349$3,512$2,821$1,395
20 years$6,152$4,975$3,992$3,181$2,520$1,190
21 years$5,797$4,634$3,672$2,887$2,255$1,017
22 years$5,475$4,325$3,384$2,625$2,021$870
23 years$5,182$4,045$3,124$2,391$1,815$745
24 years$4,913$3,790$2,890$2,180$1,631$638
25 years$4,666$3,557$2,676$1,991$1,468$547
26 years$4,439$3,343$2,482$1,821$1,322$469
27 years$4,229$3,146$2,305$1,666$1,192$402
28 years$4,034$2,965$2,143$1,527$1,075$346
29 years$3,853$2,797$1,994$1,400$971$297
30 years$3,684$2,641$1,857$1,285$877$255
31 years$3,527$2,497$1,732$1,180$793$219
32 years$3,380$2,363$1,616$1,085$718$188
33 years$3,241$2,237$1,508$997$649$162
34 years$3,112$2,121$1,409$918$588$139
35 years$2,990$2,011$1,318$845$533$120
36 years$2,875$1,909$1,233$778$483$103
37 years$2,766$1,813$1,154$717$437$88
38 years$2,664$1,723$1,080$661$396$76
39 years$2,567$1,639$1,012$609$360$65
40 years$2,475$1,559$949$562$326$56
41 years$2,387$1,484$890$518$296$48
42 years$2,304$1,413$835$478$268$42
43 years$2,226$1,347$783$442$244$36
44 years$2,151$1,284$735$408$221$31
45 years$2,079$1,224$690$377$201$27
46 years$2,011$1,168$648$348$182$23
47 years$1,946$1,114$609$321$166$20
48 years$1,884$1,064$572$297$150$17
49 years$1,824$1,016$538$274$137$15
50 years$1,767$970$506$254$124$13

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 $2,956 every year, while hoping to spend $32,432 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: 67/9/24 Blend
34$1,810,000$1,810,000$1,810,000$1,810,000
35$1,997,669$1,901,739$1,873,684$2,119,004
36$2,166,924$1,960,417$1,901,945$2,259,556
37$2,352,356$2,020,883$1,930,066$2,409,239
38$2,555,581$2,083,191$1,958,008$2,572,192
39$2,778,378$2,147,395$1,985,729$2,749,723
40$3,022,707$2,213,552$2,013,185$2,943,274
41$3,290,727$2,281,720$2,040,331$3,154,432
42$3,584,817$2,351,960$2,067,118$3,384,948
43$3,907,594$2,424,332$2,093,492$3,636,747
44$4,261,943$2,498,899$2,119,399$3,911,953
45$4,651,044$2,575,727$2,144,781$4,212,903
46$5,078,395$2,654,883$2,169,576$4,542,173
47$5,547,855$2,736,435$2,193,720$4,902,601
48$6,063,670$2,820,454$2,217,143$5,297,314
49$6,630,521$2,907,014$2,239,775$5,729,756
50$7,253,564$2,996,187$2,261,537$6,203,722
51$7,938,480$3,088,053$2,282,351$6,723,394
52$8,691,526$3,182,689$2,302,131$7,293,379
53$9,519,598$3,280,176$2,320,788$7,918,753
54$10,430,291$3,380,599$2,338,229$8,605,110
55$11,431,975$3,484,043$2,354,354$9,358,613
56$12,533,872$3,590,596$2,369,060$10,186,053
57$13,746,141$3,700,350$2,382,238$11,094,913
58$15,079,977$3,813,396$2,393,772$12,093,439
59$16,547,713$3,929,831$2,403,542$13,190,718
60$18,162,940$4,049,753$2,411,421$14,396,760
61$19,940,632$4,173,263$2,417,276$15,722,599
62$21,897,288$4,300,465$2,420,967$17,180,391
63$24,051,089$4,431,465$2,422,346$18,783,535
64$26,422,066$4,566,373$2,421,261$20,546,793
65$29,032,293$4,705,301$2,417,549$22,486,433
66$31,906,091$4,848,365$2,411,041$24,620,380
67$35,070,260$4,995,682$2,401,558$26,968,392
68$38,554,331$5,147,375$2,388,915$29,552,236
69$42,390,845$5,303,569$2,372,916$32,395,902
70$46,615,658$5,464,391$2,353,356$35,525,827
71$51,268,283$5,629,974$2,330,021$38,971,143
72$56,392,256$5,800,451$2,302,685$42,763,952
73$62,035,555$5,975,962$2,271,114$46,939,632
74$68,251,046$6,156,649$2,235,061$51,537,171
75$75,096,985$6,342,657$2,194,268$56,599,529
76$82,637,567$6,534,136$2,148,465$62,174,053
77$90,943,529$6,731,239$2,097,369$68,312,915
78$100,092,823$6,934,123$2,040,684$75,073,612
79$110,171,345$7,142,950$1,978,102$82,519,505
80$121,273,753$7,357,885$1,909,298$90,720,415
81$133,504,351$7,579,097$1,833,935$99,753,290
82$146,978,081$7,806,759$1,751,659$109,702,925
83$161,821,606$8,041,050$1,662,099$120,662,763
84$178,174,499$8,282,152$1,564,870$132,735,782
85$196,190,572$8,530,251$1,459,567$146,035,462
86$216,039,315$8,785,538$1,345,767$160,686,859
87$237,907,506$9,048,210$1,223,031$176,827,788
88$262,000,965$9,318,466$1,090,896$194,610,120
89$288,546,505$9,596,512$948,882$214,201,220
90$317,794,065$9,882,558$796,486$235,785,523
91$350,019,074$10,176,818$633,183$259,566,280
92$385,525,050$10,479,512$458,425$285,767,476
93$424,646,462$10,790,865$271,639$314,635,943
94$467,751,891$11,111,107$72,229$346,443,692
95$515,247,506$11,440,473$0$381,490,482
96$567,580,898$11,779,203$0$420,142,650
97$625,245,307$12,127,542$0$462,750,308
98$688,784,278$12,485,741$0$509,696,284
99$758,796,789$12,854,057$0$561,422,850
100$835,942,906$13,232,750$0$618,417,383