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%11.3%
1 years$151,120$149,774$148,460$147,178$145,927$145,129
2 years$74,812$73,418$72,068$70,759$69,489$68,684
3 years$49,379$47,980$46,633$45,336$44,087$43,299
4 years$36,665$35,270$33,937$32,662$31,443$30,679
5 years$29,039$27,652$26,336$25,088$23,902$23,165
6 years$23,956$22,580$21,284$20,063$18,913$18,202
7 years$20,327$18,963$17,687$16,495$15,381$14,698
8 years$17,607$16,255$15,000$13,837$12,760$12,104
9 years$15,492$14,153$12,919$11,786$10,746$10,117
10 years$13,801$12,475$11,263$10,160$9,156$8,554
11 years$12,419$11,106$9,916$8,842$7,875$7,299
12 years$11,267$9,968$8,800$7,756$6,824$6,275
13 years$10,294$9,008$7,862$6,847$5,951$5,427
14 years$9,460$8,188$7,064$6,078$5,216$4,717
15 years$8,739$7,480$6,378$5,421$4,593$4,118
16 years$8,108$6,863$5,783$4,853$4,059$3,608
17 years$7,551$6,320$5,262$4,361$3,599$3,171
18 years$7,058$5,840$4,804$3,930$3,200$2,794
19 years$6,616$5,413$4,398$3,551$2,852$2,468
20 years$6,220$5,030$4,036$3,216$2,548$2,184
21 years$5,861$4,685$3,712$2,919$2,280$1,936
22 years$5,536$4,373$3,421$2,654$2,044$1,719
23 years$5,239$4,090$3,159$2,417$1,835$1,528
24 years$4,967$3,832$2,922$2,204$1,649$1,360
25 years$4,718$3,596$2,706$2,013$1,484$1,212
26 years$4,488$3,380$2,510$1,841$1,337$1,081
27 years$4,276$3,181$2,330$1,685$1,205$964
28 years$4,079$2,997$2,166$1,544$1,087$861
29 years$3,896$2,828$2,016$1,416$982$770
30 years$3,725$2,670$1,878$1,299$887$688
31 years$3,566$2,524$1,751$1,193$802$616
32 years$3,417$2,389$1,633$1,097$726$551
33 years$3,277$2,262$1,525$1,008$657$494
34 years$3,146$2,144$1,425$928$594$442
35 years$3,023$2,034$1,332$854$538$396
36 years$2,906$1,930$1,246$787$488$355
37 years$2,797$1,833$1,167$725$442$318
38 years$2,693$1,742$1,092$668$401$285
39 years$2,595$1,657$1,023$616$364$256
40 years$2,502$1,576$959$568$330$230
41 years$2,414$1,500$899$524$299$206
42 years$2,330$1,429$844$484$271$185
43 years$2,250$1,361$792$447$246$166
44 years$2,174$1,298$743$412$224$149
45 years$2,102$1,237$698$381$203$134
46 years$2,033$1,181$655$352$184$120
47 years$1,967$1,127$616$325$167$108
48 years$1,904$1,075$579$300$152$97
49 years$1,844$1,027$544$278$138$87
50 years$1,787$981$511$257$125$78

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 $3,519 every year, while hoping to spend $37,669 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: 60/25/15 Blend
34$1,830,000$1,830,000$1,830,000$1,830,000
35$2,020,290$1,923,300$1,894,935$2,133,678
36$2,186,280$1,977,462$1,918,336$2,264,693
37$2,367,938$2,033,016$1,941,258$2,403,027
38$2,566,824$2,089,989$1,963,646$2,553,044
39$2,784,652$2,148,411$1,985,440$2,715,878
40$3,023,314$2,208,310$2,006,579$2,892,775
41$3,284,889$2,269,715$2,026,997$3,085,109
42$3,571,671$2,332,654$2,046,625$3,294,394
43$3,886,184$2,397,156$2,065,389$3,522,294
44$4,231,209$2,463,251$2,083,214$3,770,644
45$4,609,808$2,530,966$2,100,017$4,041,464
46$5,025,355$2,600,330$2,115,715$4,336,979
47$5,481,567$2,671,372$2,130,217$4,659,640
48$5,982,536$2,744,119$2,143,428$5,012,146
49$6,532,773$2,818,598$2,155,251$5,397,471
50$7,137,244$2,894,838$2,165,580$5,818,891
51$7,801,422$2,972,864$2,174,307$6,280,014
52$8,531,336$3,052,704$2,181,315$6,784,815
53$9,333,628$3,134,382$2,186,484$7,337,675
54$10,215,614$3,217,923$2,189,688$7,943,417
55$11,185,357$3,303,351$2,190,792$8,607,359
56$12,251,737$3,390,689$2,189,658$9,335,357
57$13,424,541$3,479,959$2,186,138$10,133,864
58$14,714,549$3,571,183$2,180,079$11,009,992
59$16,133,640$3,664,378$2,171,319$11,971,573
60$17,694,902$3,759,563$2,159,689$13,027,241
61$19,412,755$3,856,755$2,145,011$14,186,508
62$21,303,088$3,955,967$2,127,101$15,459,853
63$23,383,407$4,057,214$2,105,763$16,858,826
64$25,673,002$4,160,505$2,080,793$18,396,152
65$28,193,127$4,265,848$2,051,978$20,085,854
66$30,967,201$4,373,250$2,019,095$21,943,383
67$34,021,030$4,482,713$1,981,909$23,985,768
68$37,383,047$4,594,238$1,940,175$26,231,770
69$41,084,584$4,707,822$1,893,637$28,702,067
70$45,160,164$4,823,458$1,842,026$31,419,441
71$49,647,829$4,941,136$1,785,063$34,409,000
72$54,589,498$5,060,842$1,722,453$37,698,412
73$60,031,362$5,182,558$1,653,890$41,318,165
74$66,024,318$5,306,261$1,579,052$45,301,859
75$72,624,453$5,431,922$1,497,605$49,686,519
76$79,893,570$5,559,509$1,409,198$54,512,946
77$87,899,772$5,688,983$1,313,463$59,826,102
78$96,718,104$5,820,298$1,210,019$65,675,537
79$106,431,260$5,953,403$1,098,465$72,115,854
80$117,130,369$6,088,239$978,384$79,207,226
81$128,915,844$6,224,741$849,337$87,015,962
82$141,898,341$6,362,833$710,870$95,615,138
83$156,199,794$6,502,435$562,507$105,085,281
84$171,954,572$6,643,453$403,750$115,515,137
85$189,310,742$6,785,787$234,080$127,002,500
86$208,431,472$6,929,324$52,956$139,655,143
87$229,496,563$7,073,942$0$153,591,832
88$252,704,154$7,219,507$0$168,965,911
89$278,272,586$7,365,871$0$185,909,658
90$306,442,465$7,512,873$0$204,573,633
91$337,478,933$7,660,341$0$225,133,103
92$371,674,170$7,808,083$0$247,781,207
93$409,350,151$7,955,895$0$272,730,781
94$450,861,687$8,103,554$0$300,216,365
95$496,599,770$8,250,820$0$330,496,423
96$546,995,269$8,397,432$0$363,855,773
97$602,522,992$8,543,112$0$400,608,287
98$663,706,171$8,687,558$0$441,099,845
99$731,121,397$8,830,445$0$485,711,603
100$805,404,068$8,971,426$0$534,863,596