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%18.1%
1 years$150,294$148,955$147,649$146,374$145,129$140,371
2 years$74,403$73,017$71,674$70,372$69,109$64,361
3 years$49,109$47,718$46,378$45,088$43,846$39,256
4 years$36,465$35,077$33,751$32,483$31,271$26,876
5 years$28,880$27,501$26,192$24,950$23,772$19,582
6 years$23,825$22,457$21,167$19,953$18,810$14,829
7 years$20,216$18,859$17,590$16,405$15,297$11,526
8 years$17,511$16,166$14,918$13,761$12,691$9,125
9 years$15,407$14,075$12,849$11,722$10,687$7,323
10 years$13,726$12,407$11,202$10,104$9,106$5,939
11 years$12,351$11,045$9,862$8,794$7,832$4,855
12 years$11,206$9,913$8,752$7,713$6,787$3,994
13 years$10,238$8,959$7,820$6,810$5,918$3,302
14 years$9,409$8,143$7,026$6,045$5,188$2,741
15 years$8,691$7,439$6,343$5,391$4,568$2,283
16 years$8,063$6,825$5,751$4,827$4,037$1,907
17 years$7,510$6,286$5,233$4,337$3,579$1,597
18 years$7,019$5,808$4,777$3,908$3,183$1,339
19 years$6,580$5,383$4,373$3,532$2,837$1,125
20 years$6,186$5,002$4,014$3,199$2,534$946
21 years$5,829$4,659$3,692$2,903$2,268$796
22 years$5,505$4,349$3,403$2,639$2,033$671
23 years$5,210$4,068$3,142$2,404$1,825$566
24 years$4,940$3,811$2,906$2,192$1,640$478
25 years$4,692$3,577$2,691$2,002$1,476$403
26 years$4,464$3,362$2,496$1,831$1,329$341
27 years$4,252$3,164$2,318$1,676$1,198$288
28 years$4,056$2,981$2,155$1,535$1,081$243
29 years$3,874$2,812$2,005$1,408$976$206
30 years$3,705$2,656$1,868$1,292$882$174
31 years$3,546$2,511$1,741$1,187$798$147
32 years$3,398$2,376$1,624$1,091$722$124
33 years$3,259$2,250$1,517$1,003$653$105
34 years$3,129$2,132$1,417$923$591$89
35 years$3,006$2,022$1,325$849$535$75
36 years$2,891$1,920$1,239$782$485$64
37 years$2,781$1,823$1,160$721$440$54
38 years$2,678$1,733$1,086$664$399$46
39 years$2,581$1,648$1,018$613$362$39
40 years$2,488$1,568$954$565$328$33
41 years$2,400$1,492$895$521$297$28
42 years$2,317$1,421$839$481$270$23
43 years$2,238$1,354$787$444$245$20
44 years$2,162$1,291$739$410$222$17
45 years$2,091$1,231$694$379$202$14
46 years$2,022$1,174$652$350$183$12
47 years$1,957$1,120$612$323$166$10
48 years$1,894$1,070$575$299$151$9
49 years$1,834$1,021$541$276$137$7
50 years$1,777$976$509$255$125$6

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 $4,481 every year, while hoping to spend $46,229 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: 38/35/27 Blend
34$1,820,000$1,820,000$1,820,000$1,820,000
35$2,010,262$1,913,802$1,885,592$2,070,335
36$2,166,122$1,958,391$1,899,572$2,159,369
37$2,336,329$2,003,616$1,912,471$2,250,950
38$2,522,300$2,049,458$1,924,204$2,349,036
39$2,725,591$2,095,898$1,934,681$2,454,247
40$2,947,917$2,142,913$1,943,809$2,567,268
41$3,191,167$2,190,478$1,951,489$2,688,851
42$3,457,419$2,238,564$1,957,617$2,819,829
43$3,748,962$2,287,140$1,962,083$2,961,118
44$4,068,318$2,336,171$1,964,774$3,113,729
45$4,418,262$2,385,619$1,965,570$3,278,777
46$4,801,852$2,435,442$1,964,344$3,457,493
47$5,222,455$2,485,593$1,960,964$3,651,232
48$5,683,781$2,536,022$1,955,292$3,861,490
49$6,189,914$2,586,675$1,947,181$4,089,919
50$6,745,353$2,637,490$1,936,480$4,338,336
51$7,355,056$2,688,404$1,923,029$4,608,750
52$8,024,481$2,739,345$1,906,660$4,903,374
53$8,759,643$2,790,238$1,887,197$5,224,650
54$9,567,166$2,840,999$1,864,458$5,575,270
55$10,454,348$2,891,539$1,838,249$5,958,205
56$11,429,230$2,941,763$1,808,369$6,376,730
57$12,500,670$2,991,567$1,774,607$6,834,458
58$13,678,424$3,040,840$1,736,742$7,335,371
59$14,973,243$3,089,462$1,694,543$7,883,865
60$16,396,973$3,137,304$1,647,769$8,484,785
61$17,962,661$3,184,229$1,596,166$9,143,473
62$19,684,685$3,230,088$1,539,470$9,865,823
63$21,578,885$3,274,725$1,477,405$10,658,333
64$23,662,714$3,317,969$1,409,681$11,528,169
65$25,955,401$3,359,640$1,335,996$12,483,232
66$28,478,134$3,399,544$1,256,033$13,532,237
67$31,254,257$3,437,475$1,169,463$14,684,791
68$34,309,492$3,473,212$1,075,941$15,951,488
69$37,672,181$3,506,520$975,106$17,344,011
70$41,373,552$3,537,149$866,581$18,875,239
71$45,448,016$3,564,831$749,973$20,559,375
72$49,933,488$3,589,282$624,871$22,412,077
73$54,871,745$3,610,198$490,846$24,450,610
74$60,308,824$3,627,258$347,450$26,694,008
75$66,295,449$3,640,120$194,215$29,163,257
76$72,887,517$3,648,418$30,654$31,881,494
77$80,146,619$3,651,765$0$34,874,227
78$88,140,623$3,649,751$0$38,211,034
79$96,944,316$3,641,938$0$41,893,579
80$106,640,106$3,627,862$0$45,947,362
81$117,318,802$3,607,033$0$50,410,226
82$129,080,469$3,578,926$0$55,323,883
83$142,035,373$3,542,990$0$60,734,304
84$156,305,021$3,498,637$0$66,692,152
85$172,023,308$3,445,245$0$73,253,269
86$189,337,778$3,382,155$0$80,479,197
87$208,411,019$3,308,668$0$88,437,763
88$229,422,195$3,224,045$0$97,203,720
89$252,568,739$3,127,503$0$106,859,458
90$278,068,213$3,018,213$0$117,495,775
91$306,160,363$2,895,298$0$129,212,745
92$337,109,382$2,757,829$0$142,120,658
93$371,206,402$2,604,826$0$156,341,067
94$408,772,242$2,435,249$0$172,007,935
95$450,160,435$2,248,000$0$189,268,902
96$495,760,566$2,041,919$0$208,286,683
97$546,001,950$1,815,779$0$229,240,605
98$601,357,680$1,568,283$0$252,328,302
99$662,349,095$1,298,061$0$277,767,586
100$729,550,702$1,003,666$0$305,798,503