Can I retire at age 35 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$150,294$148,955$147,649$146,374$145,129$143,079
2 years$74,403$73,017$71,674$70,372$69,109$67,047
3 years$49,109$47,718$46,378$45,088$43,846$41,836
4 years$36,465$35,077$33,751$32,483$31,271$29,330
5 years$28,880$27,501$26,192$24,950$23,772$21,905
6 years$23,825$22,457$21,167$19,953$18,810$17,019
7 years$20,216$18,859$17,590$16,405$15,297$13,583
8 years$17,511$16,166$14,918$13,761$12,691$11,053
9 years$15,407$14,075$12,849$11,722$10,687$9,125
10 years$13,726$12,407$11,202$10,104$9,106$7,618
11 years$12,351$11,045$9,862$8,794$7,832$6,417
12 years$11,206$9,913$8,752$7,713$6,787$5,443
13 years$10,238$8,959$7,820$6,810$5,918$4,644
14 years$9,409$8,143$7,026$6,045$5,188$3,981
15 years$8,691$7,439$6,343$5,391$4,568$3,427
16 years$8,063$6,825$5,751$4,827$4,037$2,959
17 years$7,510$6,286$5,233$4,337$3,579$2,563
18 years$7,019$5,808$4,777$3,908$3,183$2,225
19 years$6,580$5,383$4,373$3,532$2,837$1,936
20 years$6,186$5,002$4,014$3,199$2,534$1,687
21 years$5,829$4,659$3,692$2,903$2,268$1,472
22 years$5,505$4,349$3,403$2,639$2,033$1,286
23 years$5,210$4,068$3,142$2,404$1,825$1,126
24 years$4,940$3,811$2,906$2,192$1,640$986
25 years$4,692$3,577$2,691$2,002$1,476$864
26 years$4,464$3,362$2,496$1,831$1,329$758
27 years$4,252$3,164$2,318$1,676$1,198$665
28 years$4,056$2,981$2,155$1,535$1,081$584
29 years$3,874$2,812$2,005$1,408$976$513
30 years$3,705$2,656$1,868$1,292$882$451
31 years$3,546$2,511$1,741$1,187$798$397
32 years$3,398$2,376$1,624$1,091$722$349
33 years$3,259$2,250$1,517$1,003$653$307
34 years$3,129$2,132$1,417$923$591$270
35 years$3,006$2,022$1,325$849$535$238
36 years$2,891$1,920$1,239$782$485$210
37 years$2,781$1,823$1,160$721$440$185
38 years$2,678$1,733$1,086$664$399$163
39 years$2,581$1,648$1,018$613$362$143
40 years$2,488$1,568$954$565$328$126
41 years$2,400$1,492$895$521$297$111
42 years$2,317$1,421$839$481$270$98
43 years$2,238$1,354$787$444$245$86
44 years$2,162$1,291$739$410$222$76
45 years$2,091$1,231$694$379$202$67
46 years$2,022$1,174$652$350$183$59
47 years$1,957$1,120$612$323$166$52
48 years$1,894$1,070$575$299$151$46
49 years$1,834$1,021$541$276$137$41
50 years$1,777$976$509$255$125$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,820,000, adding $4,687 every year, while hoping to spend $45,732 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: 62/21/17 Blend
34$1,820,000$1,820,000$1,820,000$1,820,000
35$2,010,475$1,914,015$1,885,805$2,126,218
36$2,166,885$1,959,143$1,900,321$2,249,814
37$2,337,716$2,004,950$1,913,790$2,379,111
38$2,524,390$2,051,420$1,926,130$2,519,185
39$2,728,475$2,098,536$1,937,252$2,671,086
40$2,951,694$2,146,279$1,947,065$2,835,973
41$3,195,946$2,194,627$1,955,471$3,015,121
42$3,463,323$2,243,553$1,962,369$3,209,935
43$3,756,125$2,293,031$1,967,652$3,421,963
44$4,076,889$2,343,028$1,971,207$3,652,911
45$4,428,406$2,393,511$1,972,917$3,904,659
46$4,813,752$2,444,442$1,972,658$4,179,277
47$5,236,313$2,495,778$1,970,301$4,479,048
48$5,699,820$2,547,473$1,965,708$4,806,486
49$6,208,380$2,599,478$1,958,738$5,164,362
50$6,766,520$2,651,737$1,949,241$5,555,731
51$7,379,223$2,704,191$1,937,059$5,983,957
52$8,051,982$2,756,775$1,922,029$6,452,749
53$8,790,845$2,809,417$1,903,977$6,966,194
54$9,602,474$2,862,042$1,882,724$7,528,796
55$10,494,212$2,914,567$1,858,080$8,145,520
56$11,474,143$2,966,903$1,829,848$8,821,836
57$12,551,178$3,018,953$1,797,819$9,563,774
58$13,735,130$3,070,614$1,761,778$10,377,978
59$15,036,813$3,121,773$1,721,498$11,271,773
60$16,468,139$3,172,312$1,676,739$12,253,230
61$18,042,235$3,222,100$1,627,255$13,331,244
62$19,773,560$3,271,000$1,572,785$14,515,620
63$21,678,047$3,318,863$1,513,058$15,817,164
64$23,773,251$3,365,530$1,447,788$17,247,784
65$26,078,512$3,410,832$1,376,679$18,820,607
66$28,615,143$3,454,585$1,299,421$20,550,097
67$31,406,624$3,496,596$1,215,687$22,452,200
68$34,478,827$3,536,657$1,125,140$24,544,486
69$37,860,260$3,574,545$1,027,425$26,846,322
70$41,582,333$3,610,025$922,171$29,379,052
71$45,679,659$3,642,843$808,991$32,166,202
72$50,190,373$3,672,732$687,481$35,233,697
73$55,156,499$3,699,403$557,219$38,610,113
74$60,624,340$3,722,553$417,765$42,326,942
75$66,644,921$3,741,856$268,658$46,418,893
76$73,274,464$3,756,968$109,419$50,924,220
77$80,574,920$3,767,520$0$55,885,082
78$88,614,556$3,773,123$0$61,358,922
79$97,468,597$3,773,362$0$67,407,865
80$107,219,933$3,767,796$0$74,068,581
81$117,959,907$3,755,958$0$81,403,374
82$129,789,169$3,737,352$0$89,480,903
83$142,818,632$3,711,450$0$98,376,832
84$157,170,516$3,677,694$0$108,174,542
85$172,979,500$3,635,493$0$118,965,921
86$190,393,995$3,584,218$0$130,852,229
87$209,577,542$3,523,204$0$143,945,058
88$230,710,356$3,451,746$0$158,367,381
89$253,991,029$3,369,098$0$174,254,719
90$279,638,399$3,274,469$0$191,756,417
91$307,893,619$3,167,021$0$211,037,056
92$339,022,433$3,045,871$0$232,278,004
93$373,317,682$2,910,079$0$255,679,137
94$411,102,068$2,758,655$0$281,460,717
95$452,731,199$2,590,549$0$309,865,479
96$498,596,948$2,404,653$0$341,160,921
97$549,131,150$2,199,793$0$375,641,830
98$604,809,675$1,974,731$0$413,633,066
99$666,156,925$1,728,157$0$455,492,631
100$733,750,780$1,458,684$0$501,615,051