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

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$150,294$148,955$147,649$146,374$145,129$140,936
2 years$74,403$73,017$71,674$70,372$69,109$64,917
3 years$49,109$47,718$46,378$45,088$43,846$39,787
4 years$36,465$35,077$33,751$32,483$31,271$27,377
5 years$28,880$27,501$26,192$24,950$23,772$20,053
6 years$23,825$22,457$21,167$19,953$18,810$15,269
7 years$20,216$18,859$17,590$16,405$15,297$11,935
8 years$17,511$16,166$14,918$13,761$12,691$9,505
9 years$15,407$14,075$12,849$11,722$10,687$7,675
10 years$13,726$12,407$11,202$10,104$9,106$6,263
11 years$12,351$11,045$9,862$8,794$7,832$5,153
12 years$11,206$9,913$8,752$7,713$6,787$4,267
13 years$10,238$8,959$7,820$6,810$5,918$3,552
14 years$9,409$8,143$7,026$6,045$5,188$2,970
15 years$8,691$7,439$6,343$5,391$4,568$2,491
16 years$8,063$6,825$5,751$4,827$4,037$2,096
17 years$7,510$6,286$5,233$4,337$3,579$1,767
18 years$7,019$5,808$4,777$3,908$3,183$1,493
19 years$6,580$5,383$4,373$3,532$2,837$1,264
20 years$6,186$5,002$4,014$3,199$2,534$1,071
21 years$5,829$4,659$3,692$2,903$2,268$909
22 years$5,505$4,349$3,403$2,639$2,033$772
23 years$5,210$4,068$3,142$2,404$1,825$656
24 years$4,940$3,811$2,906$2,192$1,640$558
25 years$4,692$3,577$2,691$2,002$1,476$475
26 years$4,464$3,362$2,496$1,831$1,329$404
27 years$4,252$3,164$2,318$1,676$1,198$344
28 years$4,056$2,981$2,155$1,535$1,081$294
29 years$3,874$2,812$2,005$1,408$976$250
30 years$3,705$2,656$1,868$1,292$882$213
31 years$3,546$2,511$1,741$1,187$798$182
32 years$3,398$2,376$1,624$1,091$722$155
33 years$3,259$2,250$1,517$1,003$653$132
34 years$3,129$2,132$1,417$923$591$113
35 years$3,006$2,022$1,325$849$535$96
36 years$2,891$1,920$1,239$782$485$82
37 years$2,781$1,823$1,160$721$440$70
38 years$2,678$1,733$1,086$664$399$60
39 years$2,581$1,648$1,018$613$362$51
40 years$2,488$1,568$954$565$328$44
41 years$2,400$1,492$895$521$297$37
42 years$2,317$1,421$839$481$270$32
43 years$2,238$1,354$787$444$245$27
44 years$2,162$1,291$739$410$222$23
45 years$2,091$1,231$694$379$202$20
46 years$2,022$1,174$652$350$183$17
47 years$1,957$1,120$612$323$166$14
48 years$1,894$1,070$575$299$151$12
49 years$1,834$1,021$541$276$137$11
50 years$1,777$976$509$255$125$9

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 $4,608 every year, while hoping to spend $33,472 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: 42/50/8 Blend
34$1,820,000$1,820,000$1,820,000$1,820,000
35$2,010,393$1,913,933$1,885,723$2,089,927
36$2,179,839$1,972,102$1,913,281$2,203,968
37$2,365,447$2,031,999$1,940,640$2,323,631
38$2,568,830$2,093,674$1,967,759$2,452,437
39$2,791,764$2,157,178$1,994,592$2,591,229
40$3,036,206$2,222,561$2,021,093$2,740,938
41$3,304,311$2,289,879$2,047,212$2,902,584
42$3,598,453$2,359,185$2,072,895$3,077,291
43$3,921,246$2,430,536$2,098,088$3,266,294
44$4,275,570$2,503,990$2,122,731$3,470,951
45$4,664,598$2,579,604$2,146,762$3,692,756
46$5,091,823$2,657,441$2,170,115$3,933,353
47$5,561,095$2,737,562$2,192,720$4,194,550
48$6,076,655$2,820,031$2,214,505$4,478,339
49$6,643,175$2,904,914$2,235,391$4,786,909
50$7,265,801$2,992,276$2,255,299$5,122,670
51$7,950,203$3,082,188$2,274,142$5,488,276
52$8,702,627$3,174,719$2,291,829$5,886,648
53$9,529,956$3,269,942$2,308,267$6,321,002
54$10,439,772$3,367,929$2,323,354$6,794,876
55$11,440,429$3,468,758$2,336,986$7,312,169
56$12,541,130$3,572,504$2,349,053$7,877,172
57$13,752,017$3,679,249$2,359,438$8,494,611
58$15,084,263$3,789,072$2,368,019$9,169,690
59$16,550,178$3,902,057$2,374,668$9,908,140
60$18,163,327$4,018,288$2,379,250$10,716,272
61$19,938,656$4,137,854$2,381,625$11,601,039
62$21,892,633$4,260,842$2,381,643$12,570,097
63$24,043,402$4,387,345$2,379,149$13,631,880
64$26,410,958$4,517,454$2,373,979$14,795,676
65$29,017,332$4,651,265$2,365,963$16,071,718
66$31,886,797$4,788,875$2,354,921$17,471,278
67$35,046,104$4,930,383$2,340,664$19,006,773
68$38,524,726$5,075,891$2,322,996$20,691,882
69$42,355,141$5,225,503$2,301,709$22,541,675
70$46,573,137$5,379,323$2,276,588$24,572,752
71$51,218,148$5,537,461$2,247,404$26,803,405
72$56,333,628$5,700,026$2,213,921$29,253,783
73$61,967,461$5,867,130$2,175,891$31,946,088
74$68,172,410$6,038,888$2,133,052$34,904,779
75$75,006,619$6,215,417$2,085,132$38,156,807
76$82,534,157$6,396,835$2,031,847$41,731,864
77$90,825,625$6,583,264$1,972,898$45,662,667
78$99,958,822$6,774,827$1,907,973$49,985,263
79$110,019,478$6,971,649$1,836,745$54,739,370
80$121,102,063$7,173,859$1,758,875$59,968,752
81$133,310,681$7,381,585$1,674,005$65,721,632
82$146,760,049$7,594,961$1,581,763$72,051,144
83$161,576,580$7,814,121$1,481,758$79,015,835
84$177,899,578$8,039,199$1,373,584$86,680,219
85$195,882,551$8,270,336$1,256,814$95,115,383
86$215,694,659$8,507,670$1,131,006$104,399,658
87$237,522,313$8,751,345$995,693$114,619,359
88$261,570,932$9,001,504$850,392$125,869,599
89$288,066,882$9,258,293$694,595$138,255,183
90$317,259,615$9,521,859$527,774$151,891,602
91$349,424,018$9,792,353$349,377$166,906,117
92$384,863,013$10,069,924$158,827$183,438,966
93$423,910,416$10,354,725$0$201,644,681
94$466,934,082$10,646,910$0$221,697,350
95$514,339,383$10,946,633$0$243,795,539
96$566,573,032$11,254,051$0$268,132,513
97$624,127,301$11,569,319$0$294,936,198
98$687,544,666$11,892,596$0$324,457,756
99$757,422,928$12,224,039$0$356,973,955
100$834,420,857$12,563,808$0$392,789,785