Can I retire at age 35 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$151,120$149,774$148,460$147,178$145,927$140,526
2 years$74,812$73,418$72,068$70,759$69,489$64,108
3 years$49,379$47,980$46,633$45,336$44,087$38,896
4 years$36,665$35,270$33,937$32,662$31,443$26,482
5 years$29,039$27,652$26,336$25,088$23,902$19,183
6 years$23,956$22,580$21,284$20,063$18,913$14,440
7 years$20,327$18,963$17,687$16,495$15,381$11,152
8 years$17,607$16,255$15,000$13,837$12,760$8,772
9 years$15,492$14,153$12,919$11,786$10,746$6,993
10 years$13,801$12,475$11,263$10,160$9,156$5,631
11 years$12,419$11,106$9,916$8,842$7,875$4,571
12 years$11,267$9,968$8,800$7,756$6,824$3,733
13 years$10,294$9,008$7,862$6,847$5,951$3,063
14 years$9,460$8,188$7,064$6,078$5,216$2,524
15 years$8,739$7,480$6,378$5,421$4,593$2,086
16 years$8,108$6,863$5,783$4,853$4,059$1,728
17 years$7,551$6,320$5,262$4,361$3,599$1,435
18 years$7,058$5,840$4,804$3,930$3,200$1,194
19 years$6,616$5,413$4,398$3,551$2,852$994
20 years$6,220$5,030$4,036$3,216$2,548$829
21 years$5,861$4,685$3,712$2,919$2,280$692
22 years$5,536$4,373$3,421$2,654$2,044$578
23 years$5,239$4,090$3,159$2,417$1,835$484
24 years$4,967$3,832$2,922$2,204$1,649$404
25 years$4,718$3,596$2,706$2,013$1,484$339
26 years$4,488$3,380$2,510$1,841$1,337$283
27 years$4,276$3,181$2,330$1,685$1,205$237
28 years$4,079$2,997$2,166$1,544$1,087$199
29 years$3,896$2,828$2,016$1,416$982$167
30 years$3,725$2,670$1,878$1,299$887$140
31 years$3,566$2,524$1,751$1,193$802$117
32 years$3,417$2,389$1,633$1,097$726$98
33 years$3,277$2,262$1,525$1,008$657$82
34 years$3,146$2,144$1,425$928$594$69
35 years$3,023$2,034$1,332$854$538$58
36 years$2,906$1,930$1,246$787$488$49
37 years$2,797$1,833$1,167$725$442$41
38 years$2,693$1,742$1,092$668$401$34
39 years$2,595$1,657$1,023$616$364$29
40 years$2,502$1,576$959$568$330$24
41 years$2,414$1,500$899$524$299$20
42 years$2,330$1,429$844$484$271$17
43 years$2,250$1,361$792$447$246$14
44 years$2,174$1,298$743$412$224$12
45 years$2,102$1,237$698$381$203$10
46 years$2,033$1,181$655$352$184$8
47 years$1,967$1,127$616$325$167$7
48 years$1,904$1,075$579$300$152$6
49 years$1,844$1,027$544$278$138$5
50 years$1,787$981$511$257$125$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,830,000, adding $3,531 every year, while hoping to spend $28,306 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: 72/14/14 Blend
34$1,830,000$1,830,000$1,830,000$1,830,000
35$2,020,302$1,923,312$1,894,947$2,159,317
36$2,196,256$1,987,437$1,928,311$2,316,039
37$2,389,208$2,053,756$1,961,843$2,483,807
38$2,600,862$2,122,345$1,995,520$2,666,771
39$2,833,096$2,193,286$2,029,316$2,866,429
40$3,087,977$2,266,661$2,063,203$3,084,429
41$3,367,781$2,342,559$2,097,151$3,322,586
42$3,675,018$2,421,067$2,131,128$3,582,900
43$4,012,450$2,502,279$2,165,101$3,867,572
44$4,383,121$2,586,293$2,199,034$4,179,025
45$4,790,385$2,673,207$2,232,887$4,519,930
46$5,237,936$2,763,125$2,266,620$4,893,228
47$5,729,843$2,856,156$2,300,190$5,302,156
48$6,270,590$2,952,411$2,333,549$5,750,283
49$6,865,117$3,052,006$2,366,650$6,241,538
50$7,518,867$3,155,062$2,399,440$6,780,248
51$8,237,834$3,261,702$2,431,864$7,371,183
52$9,028,625$3,372,058$2,463,863$8,019,593
53$9,898,518$3,486,262$2,495,376$8,731,265
54$10,855,533$3,604,455$2,526,338$9,512,574
55$11,908,506$3,726,782$2,556,679$10,370,540
56$13,067,172$3,853,393$2,586,326$11,312,901
57$14,342,258$3,984,443$2,615,202$12,348,179
58$15,745,582$4,120,095$2,643,226$13,485,765
59$17,290,169$4,260,518$2,670,311$14,736,003
60$18,990,368$4,405,885$2,696,368$16,110,292
61$20,861,990$4,556,378$2,721,301$17,621,190
62$22,922,458$4,712,185$2,745,009$19,282,535
63$25,190,968$4,873,501$2,767,387$21,109,571
64$27,688,675$5,040,531$2,788,322$23,119,097
65$30,438,887$5,213,484$2,807,698$25,329,621
66$33,467,289$5,392,580$2,825,391$27,761,536
67$36,802,182$5,578,046$2,841,271$30,437,313
68$40,474,752$5,770,118$2,855,202$33,381,712
69$44,519,366$5,969,043$2,867,040$36,622,015
70$48,973,890$6,175,075$2,876,635$40,188,283
71$53,880,053$6,388,479$2,883,828$44,113,641
72$59,283,835$6,609,531$2,888,453$48,434,589
73$65,235,905$6,838,517$2,890,335$53,191,348
74$71,792,098$7,075,735$2,889,292$58,428,234
75$79,013,939$7,321,494$2,885,131$64,194,084
76$86,969,228$7,576,114$2,877,650$70,542,710
77$95,732,677$7,839,931$2,866,639$77,533,411
78$105,386,614$8,113,292$2,851,875$85,231,527
79$116,021,762$8,396,557$2,833,126$93,709,064
80$127,738,096$8,690,102$2,810,150$103,045,363
81$140,645,782$8,994,317$2,782,690$113,327,857
82$154,866,222$9,309,609$2,750,480$124,652,891
83$170,533,195$9,636,399$2,713,240$137,126,635
84$187,794,124$9,975,125$2,670,677$150,866,080
85$206,811,464$10,326,246$2,622,484$166,000,148
86$227,764,237$10,690,235$2,568,341$182,670,906
87$250,849,720$11,067,587$2,507,910$201,034,905
88$276,285,307$11,458,815$2,440,842$221,264,662
89$304,310,566$11,864,455$2,366,767$243,550,282
90$335,189,492$12,285,061$2,285,302$268,101,258
91$369,213,005$12,721,214$2,196,045$295,148,443
92$406,701,693$13,173,515$2,098,574$324,946,233
93$448,008,839$13,642,591$1,992,450$357,774,967
94$493,523,757$14,129,094$1,877,213$393,943,570
95$543,675,465$14,633,704$1,752,384$433,792,473
96$598,936,733$15,157,126$1,617,459$477,696,823
97$659,828,551$15,700,096$1,471,915$526,070,028
98$726,925,043$16,263,381$1,315,205$579,367,653
99$800,858,888$16,847,777$1,146,754$638,091,726
100$882,327,291$17,454,115$965,967$702,795,473