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%12.1%
1 years$150,294$148,955$147,649$146,374$145,129$143,853
2 years$74,403$73,017$71,674$70,372$69,109$67,823
3 years$49,109$47,718$46,378$45,088$43,846$42,590
4 years$36,465$35,077$33,751$32,483$31,271$30,055
5 years$28,880$27,501$26,192$24,950$23,772$22,599
6 years$23,825$22,457$21,167$19,953$18,810$17,682
7 years$20,216$18,859$17,590$16,405$15,297$14,215
8 years$17,511$16,166$14,918$13,761$12,691$11,653
9 years$15,407$14,075$12,849$11,722$10,687$9,695
10 years$13,726$12,407$11,202$10,104$9,106$8,158
11 years$12,351$11,045$9,862$8,794$7,832$6,927
12 years$11,206$9,913$8,752$7,713$6,787$5,925
13 years$10,238$8,959$7,820$6,810$5,918$5,098
14 years$9,409$8,143$7,026$6,045$5,188$4,408
15 years$8,691$7,439$6,343$5,391$4,568$3,828
16 years$8,063$6,825$5,751$4,827$4,037$3,335
17 years$7,510$6,286$5,233$4,337$3,579$2,915
18 years$7,019$5,808$4,777$3,908$3,183$2,554
19 years$6,580$5,383$4,373$3,532$2,837$2,243
20 years$6,186$5,002$4,014$3,199$2,534$1,973
21 years$5,829$4,659$3,692$2,903$2,268$1,739
22 years$5,505$4,349$3,403$2,639$2,033$1,535
23 years$5,210$4,068$3,142$2,404$1,825$1,356
24 years$4,940$3,811$2,906$2,192$1,640$1,200
25 years$4,692$3,577$2,691$2,002$1,476$1,062
26 years$4,464$3,362$2,496$1,831$1,329$942
27 years$4,252$3,164$2,318$1,676$1,198$835
28 years$4,056$2,981$2,155$1,535$1,081$741
29 years$3,874$2,812$2,005$1,408$976$658
30 years$3,705$2,656$1,868$1,292$882$585
31 years$3,546$2,511$1,741$1,187$798$520
32 years$3,398$2,376$1,624$1,091$722$462
33 years$3,259$2,250$1,517$1,003$653$411
34 years$3,129$2,132$1,417$923$591$366
35 years$3,006$2,022$1,325$849$535$326
36 years$2,891$1,920$1,239$782$485$290
37 years$2,781$1,823$1,160$721$440$258
38 years$2,678$1,733$1,086$664$399$230
39 years$2,581$1,648$1,018$613$362$205
40 years$2,488$1,568$954$565$328$182
41 years$2,400$1,492$895$521$297$163
42 years$2,317$1,421$839$481$270$145
43 years$2,238$1,354$787$444$245$129
44 years$2,162$1,291$739$410$222$115
45 years$2,091$1,231$694$379$202$103
46 years$2,022$1,174$652$350$183$91
47 years$1,957$1,120$612$323$166$82
48 years$1,894$1,070$575$299$151$73
49 years$1,834$1,021$541$276$137$65
50 years$1,777$976$509$255$125$58

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 $2,982 every year, while hoping to spend $52,656 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: 40/40/20 Blend
34$1,820,000$1,820,000$1,820,000$1,820,000
35$2,008,716$1,912,256$1,884,046$2,077,050
36$2,157,579$1,949,931$1,891,136$2,163,909
37$2,319,862$1,987,687$1,896,699$2,252,554
38$2,496,877$2,025,473$1,900,627$2,347,371
39$2,690,070$2,063,233$1,902,810$2,448,952
40$2,901,032$2,100,906$1,903,128$2,557,947
41$3,131,514$2,138,427$1,901,460$2,675,077
42$3,383,444$2,175,726$1,897,675$2,801,134
43$3,658,946$2,212,726$1,891,637$2,936,995
44$3,960,355$2,249,347$1,883,204$3,083,627
45$4,290,247$2,285,501$1,872,227$3,242,096
46$4,651,455$2,321,093$1,858,549$3,413,580
47$5,047,100$2,356,023$1,842,007$3,599,379
48$5,480,618$2,390,181$1,822,428$3,800,926
49$5,955,794$2,423,453$1,799,632$4,019,805
50$6,476,797$2,455,715$1,773,432$4,257,762
51$7,048,218$2,486,832$1,743,630$4,516,724
52$7,675,113$2,516,665$1,710,019$4,798,818
53$8,363,054$2,545,060$1,672,383$5,106,392
54$9,118,174$2,571,857$1,630,497$5,442,036
55$9,947,232$2,596,882$1,584,123$5,808,607
56$10,857,673$2,619,953$1,533,014$6,209,259
57$11,857,698$2,640,872$1,476,912$6,647,471
58$12,956,340$2,659,432$1,415,545$7,127,083
59$14,163,551$2,675,409$1,348,631$7,652,329
60$15,490,297$2,688,568$1,275,874$8,227,883
61$16,948,656$2,698,656$1,196,964$8,858,899
62$18,551,935$2,705,407$1,111,579$9,551,065
63$20,314,797$2,708,535$1,019,381$10,310,655
64$22,253,393$2,707,740$920,017$11,144,589
65$24,385,520$2,702,700$813,118$12,060,503
66$26,730,785$2,693,076$698,300$13,066,815
67$29,310,793$2,678,504$575,161$14,172,816
68$32,149,347$2,658,603$443,282$15,388,750
69$35,272,671$2,632,966$302,223$16,725,917
70$38,709,663$2,601,161$151,527$18,196,778
71$42,492,163$2,562,732$0$19,815,080
72$46,655,253$2,517,195$0$21,597,963
73$51,237,587$2,464,036$0$23,594,798
74$56,281,760$2,402,712$0$25,791,762
75$61,834,703$2,332,649$0$28,209,301
76$67,948,131$2,253,238$0$30,869,953
77$74,679,027$2,163,833$0$33,798,565
78$82,090,180$2,063,753$0$37,022,530
79$90,250,779$1,952,277$0$40,572,040
80$99,237,061$1,828,641$0$44,480,381
81$109,133,037$1,692,040$0$48,784,244
82$120,031,276$1,541,620$0$53,524,077
83$132,033,786$1,376,479$0$58,744,465
84$145,252,971$1,195,665$0$64,494,553
85$159,812,692$998,171$0$70,828,518
86$175,849,439$782,933$0$77,806,076
87$193,513,612$548,827$0$85,493,052
88$212,970,949$294,668$0$93,962,002
89$234,404,081$19,202$0$103,292,905
90$258,014,260$0$0$113,573,916
91$284,023,258$0$0$125,024,963
92$312,675,457$0$0$137,649,419
93$344,240,158$0$0$151,557,535
94$379,014,121$0$0$166,880,116
95$417,324,364$0$0$183,761,308
96$459,531,252$0$0$202,359,953
97$506,031,896$0$0$222,851,093
98$557,263,902$0$0$245,427,616
99$613,709,501$0$0$270,302,086
100$675,900,098$0$0$297,708,737