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

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$151,120$149,774$148,460$147,178$145,927$141,312
2 years$74,812$73,418$72,068$70,759$69,489$64,882
3 years$49,379$47,980$46,633$45,336$44,087$39,631
4 years$36,665$35,270$33,937$32,662$31,443$27,173
5 years$29,039$27,652$26,336$25,088$23,902$19,830
6 years$23,956$22,580$21,284$20,063$18,913$15,042
7 years$20,327$18,963$17,687$16,495$15,381$11,711
8 years$17,607$16,255$15,000$13,837$12,760$9,288
9 years$15,492$14,153$12,919$11,786$10,746$7,468
10 years$13,801$12,475$11,263$10,160$9,156$6,067
11 years$12,419$11,106$9,916$8,842$7,875$4,969
12 years$11,267$9,968$8,800$7,756$6,824$4,096
13 years$10,294$9,008$7,862$6,847$5,951$3,394
14 years$9,460$8,188$7,064$6,078$5,216$2,823
15 years$8,739$7,480$6,378$5,421$4,593$2,357
16 years$8,108$6,863$5,783$4,853$4,059$1,973
17 years$7,551$6,320$5,262$4,361$3,599$1,655
18 years$7,058$5,840$4,804$3,930$3,200$1,391
19 years$6,616$5,413$4,398$3,551$2,852$1,171
20 years$6,220$5,030$4,036$3,216$2,548$987
21 years$5,861$4,685$3,712$2,919$2,280$833
22 years$5,536$4,373$3,421$2,654$2,044$704
23 years$5,239$4,090$3,159$2,417$1,835$595
24 years$4,967$3,832$2,922$2,204$1,649$503
25 years$4,718$3,596$2,706$2,013$1,484$426
26 years$4,488$3,380$2,510$1,841$1,337$361
27 years$4,276$3,181$2,330$1,685$1,205$305
28 years$4,079$2,997$2,166$1,544$1,087$259
29 years$3,896$2,828$2,016$1,416$982$219
30 years$3,725$2,670$1,878$1,299$887$186
31 years$3,566$2,524$1,751$1,193$802$158
32 years$3,417$2,389$1,633$1,097$726$134
33 years$3,277$2,262$1,525$1,008$657$113
34 years$3,146$2,144$1,425$928$594$96
35 years$3,023$2,034$1,332$854$538$82
36 years$2,906$1,930$1,246$787$488$69
37 years$2,797$1,833$1,167$725$442$59
38 years$2,693$1,742$1,092$668$401$50
39 years$2,595$1,657$1,023$616$364$42
40 years$2,502$1,576$959$568$330$36
41 years$2,414$1,500$899$524$299$30
42 years$2,330$1,429$844$484$271$26
43 years$2,250$1,361$792$447$246$22
44 years$2,174$1,298$743$412$224$19
45 years$2,102$1,237$698$381$203$16
46 years$2,033$1,181$655$352$184$13
47 years$1,967$1,127$616$325$167$11
48 years$1,904$1,075$579$300$152$10
49 years$1,844$1,027$544$278$138$8
50 years$1,787$981$511$257$125$7

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 $6,092 every year, while hoping to spend $54,416 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: 47/40/13 Blend
34$1,830,000$1,830,000$1,830,000$1,830,000
35$2,022,944$1,925,954$1,897,589$2,110,393
36$2,171,386$1,962,427$1,903,260$2,207,957
37$2,333,145$1,998,864$1,907,297$2,307,701
38$2,509,523$2,035,206$1,909,588$2,414,746
39$2,701,951$2,071,387$1,910,016$2,529,791
40$2,912,004$2,107,339$1,908,456$2,653,606
41$3,141,418$2,142,989$1,904,779$2,787,042
42$3,392,103$2,178,256$1,898,850$2,931,036
43$3,666,161$2,213,054$1,890,524$3,086,622
44$3,965,907$2,247,291$1,879,654$3,254,941
45$4,293,890$2,280,868$1,866,083$3,437,250
46$4,652,916$2,313,680$1,849,646$3,634,936
47$5,046,075$2,345,612$1,830,171$3,849,531
48$5,476,772$2,376,544$1,807,478$4,082,720
49$5,948,753$2,406,345$1,781,380$4,336,366
50$6,466,147$2,434,877$1,751,677$4,612,523
51$7,033,500$2,461,992$1,718,164$4,913,455
52$7,655,819$2,487,531$1,680,624$5,241,660
53$8,338,618$2,511,326$1,638,831$5,599,894
54$9,087,973$2,533,198$1,592,548$5,991,196
55$9,910,575$2,552,953$1,541,528$6,418,918
56$10,813,795$2,570,389$1,485,510$6,886,758
57$11,805,752$2,585,288$1,424,224$7,398,794
58$12,895,391$2,597,419$1,357,388$7,959,523
59$14,092,564$2,606,536$1,284,704$8,573,906
60$15,408,128$2,612,378$1,205,863$9,247,415
61$16,854,039$2,614,667$1,120,542$9,986,084
62$18,443,473$2,613,108$1,028,402$10,796,567
63$20,190,945$2,607,388$929,091$11,686,203
64$22,112,446$2,597,174$822,240$12,663,086
65$24,225,593$2,582,113$707,463$13,736,141
66$26,549,798$2,561,831$584,357$14,915,212
67$29,106,447$2,535,931$452,503$16,211,153
68$31,919,105$2,503,992$311,462$17,635,933
69$35,013,734$2,465,567$160,776$19,202,750
70$38,418,939$2,420,185$0$20,926,159
71$42,166,241$2,367,343$0$22,822,212
72$46,290,366$2,306,512$0$24,932,400
73$50,829,583$2,237,131$0$27,253,982
74$55,826,054$2,158,604$0$29,808,545
75$61,326,239$2,070,302$0$32,619,889
76$67,381,329$1,971,561$0$35,714,249
77$74,047,732$1,861,675$0$39,120,544
78$81,387,604$1,739,900$0$42,870,654
79$89,469,434$1,605,449$0$46,999,722
80$98,368,689$1,457,490$0$51,546,486
81$108,168,530$1,295,141$0$56,553,648
82$118,960,590$1,117,474$0$62,068,279
83$130,845,846$923,505$0$68,142,265
84$143,935,563$712,197$0$74,832,799
85$158,352,349$482,454$0$82,202,924
86$174,231,311$233,117$0$90,322,131
87$191,721,329$0$0$99,267,017
88$210,986,458$0$0$109,138,314
89$232,207,482$0$0$120,125,121
90$255,583,613$0$0$132,228,005
91$281,334,375$0$0$145,560,662
92$309,701,673$0$0$160,248,380
93$340,952,079$0$0$176,429,222
94$375,379,342$0$0$194,255,328
95$413,307,166$0$0$213,894,353
96$455,092,260$0$0$235,531,045
97$501,127,709$0$0$259,368,993
98$551,846,678$0$0$285,632,545
99$607,726,507$0$0$314,568,930
100$669,293,209$0$0$346,450,584