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%14.8%
1 years$151,120$149,774$148,460$147,178$145,927$143,039
2 years$74,812$73,418$72,068$70,759$69,489$66,592
3 years$49,379$47,980$46,633$45,336$44,087$41,270
4 years$36,665$35,270$33,937$32,662$31,443$28,729
5 years$29,039$27,652$26,336$25,088$23,902$21,299
6 years$23,956$22,580$21,284$20,063$18,913$16,423
7 years$20,327$18,963$17,687$16,495$15,381$13,005
8 years$17,607$16,255$15,000$13,837$12,760$10,497
9 years$15,492$14,153$12,919$11,786$10,746$8,594
10 years$13,801$12,475$11,263$10,160$9,156$7,114
11 years$12,419$11,106$9,916$8,842$7,875$5,940
12 years$11,267$9,968$8,800$7,756$6,824$4,993
13 years$10,294$9,008$7,862$6,847$5,951$4,221
14 years$9,460$8,188$7,064$6,078$5,216$3,585
15 years$8,739$7,480$6,378$5,421$4,593$3,056
16 years$8,108$6,863$5,783$4,853$4,059$2,613
17 years$7,551$6,320$5,262$4,361$3,599$2,241
18 years$7,058$5,840$4,804$3,930$3,200$1,926
19 years$6,616$5,413$4,398$3,551$2,852$1,658
20 years$6,220$5,030$4,036$3,216$2,548$1,430
21 years$5,861$4,685$3,712$2,919$2,280$1,235
22 years$5,536$4,373$3,421$2,654$2,044$1,067
23 years$5,239$4,090$3,159$2,417$1,835$924
24 years$4,967$3,832$2,922$2,204$1,649$800
25 years$4,718$3,596$2,706$2,013$1,484$694
26 years$4,488$3,380$2,510$1,841$1,337$602
27 years$4,276$3,181$2,330$1,685$1,205$522
28 years$4,079$2,997$2,166$1,544$1,087$453
29 years$3,896$2,828$2,016$1,416$982$394
30 years$3,725$2,670$1,878$1,299$887$342
31 years$3,566$2,524$1,751$1,193$802$298
32 years$3,417$2,389$1,633$1,097$726$259
33 years$3,277$2,262$1,525$1,008$657$225
34 years$3,146$2,144$1,425$928$594$196
35 years$3,023$2,034$1,332$854$538$170
36 years$2,906$1,930$1,246$787$488$148
37 years$2,797$1,833$1,167$725$442$129
38 years$2,693$1,742$1,092$668$401$112
39 years$2,595$1,657$1,023$616$364$98
40 years$2,502$1,576$959$568$330$85
41 years$2,414$1,500$899$524$299$74
42 years$2,330$1,429$844$484$271$64
43 years$2,250$1,361$792$447$246$56
44 years$2,174$1,298$743$412$224$49
45 years$2,102$1,237$698$381$203$43
46 years$2,033$1,181$655$352$184$37
47 years$1,967$1,127$616$325$167$32
48 years$1,904$1,075$579$300$152$28
49 years$1,844$1,027$544$278$138$24
50 years$1,787$981$511$257$125$21

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 $6,719 every year, while hoping to spend $34,601 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: 30/46/24 Blend
34$1,830,000$1,830,000$1,830,000$1,830,000
35$2,023,591$1,926,601$1,898,236$2,069,075
36$2,193,182$1,984,189$1,925,011$2,162,249
37$2,378,911$2,043,439$1,951,524$2,258,889
38$2,582,389$2,104,397$1,977,729$2,362,146
39$2,805,388$2,167,107$2,003,578$2,472,617
40$3,049,860$2,231,618$2,029,020$2,590,957
41$3,317,955$2,297,976$2,054,002$2,717,886
42$3,612,042$2,366,232$2,078,466$2,854,199
43$3,934,728$2,436,436$2,102,353$3,000,765
44$4,288,888$2,508,639$2,125,600$3,158,545
45$4,677,686$2,582,894$2,148,138$3,328,594
46$5,104,608$2,659,254$2,169,899$3,512,073
47$5,573,495$2,737,774$2,190,808$3,710,259
48$6,088,577$2,818,510$2,210,785$3,924,559
49$6,654,515$2,901,521$2,229,750$4,156,520
50$7,276,443$2,986,863$2,247,614$4,407,848
51$7,960,017$3,074,596$2,264,286$4,680,418
52$8,711,470$3,164,782$2,279,671$4,976,295
53$9,537,666$3,257,482$2,293,666$5,297,755
54$10,446,169$3,352,760$2,306,165$5,647,302
55$11,445,312$3,450,680$2,317,056$6,027,694
56$12,544,278$3,551,307$2,326,221$6,441,970
57$13,753,182$3,654,709$2,333,537$6,893,476
58$15,083,170$3,760,953$2,338,874$7,385,897
59$16,546,522$3,870,108$2,342,095$7,923,292
60$18,156,770$3,982,246$2,343,057$8,510,134
61$19,928,822$4,097,437$2,341,611$9,151,350
62$21,879,104$4,215,755$2,337,598$9,852,365
63$24,025,719$4,337,273$2,330,853$10,619,159
64$26,388,609$4,462,065$2,321,203$11,458,318
65$28,989,749$4,590,209$2,308,467$12,377,099
66$31,853,356$4,721,782$2,292,452$13,383,499
67$35,006,110$4,856,861$2,272,961$14,486,326
68$38,477,412$4,995,526$2,249,784$15,695,286
69$42,299,658$5,137,857$2,222,702$17,021,075
70$46,508,546$5,283,934$2,191,485$18,475,476
71$51,143,412$5,433,841$2,155,894$20,071,475
72$56,247,600$5,587,660$2,115,677$21,823,378
73$61,868,874$5,745,474$2,070,571$23,746,951
74$68,059,864$5,907,367$2,020,300$25,859,566
75$74,878,567$6,073,424$1,964,576$28,180,368
76$82,388,890$6,243,732$1,903,099$30,730,450
77$90,661,257$6,418,374$1,835,553$33,533,057
78$99,773,269$6,597,438$1,761,607$36,613,806
79$109,810,440$6,781,010$1,680,919$40,000,922
80$120,867,001$6,969,177$1,593,126$43,725,513
81$133,046,793$7,162,024$1,497,854$47,821,855
82$146,464,242$7,359,639$1,394,707$52,327,722
83$161,245,440$7,562,107$1,283,276$57,284,741
84$177,529,339$7,769,514$1,163,129$62,738,784
85$195,469,056$7,981,945$1,033,819$68,740,401
86$215,233,324$8,199,485$894,877$75,345,301
87$237,008,080$8,422,216$745,812$82,614,872
88$260,998,221$8,650,222$586,113$90,616,768
89$287,429,539$8,883,582$415,247$99,425,542
90$316,550,851$9,122,376$232,657$109,123,353
91$348,636,346$9,366,681$37,760$119,800,741
92$383,988,177$9,616,572$0$131,557,484
93$422,939,310$9,872,123$0$144,547,131
94$465,856,664$10,133,401$0$158,860,417
95$513,144,581$10,400,476$0$174,621,367
96$565,248,638$10,673,408$0$191,977,318
97$622,659,853$10,952,259$0$211,090,629
98$685,919,321$11,237,083$0$232,140,211
99$755,623,321$11,527,930$0$255,323,217
100$832,428,948$11,824,846$0$280,856,901