Can I retire at age 35 with 1,840,000?

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 $1,840,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$151,945$150,592$149,272$147,983$146,724$144,771
2 years$75,221$73,820$72,462$71,146$69,869$67,904
3 years$49,649$48,242$46,888$45,584$44,328$42,412
4 years$36,866$35,463$34,122$32,840$31,615$29,764
5 years$29,198$27,803$26,480$25,225$24,033$22,252
6 years$24,087$22,704$21,400$20,172$19,017$17,307
7 years$20,438$19,066$17,783$16,585$15,466$13,829
8 years$17,703$16,343$15,082$13,913$12,830$11,265
9 years$15,577$14,230$12,990$11,850$10,805$9,312
10 years$13,877$12,543$11,325$10,215$9,206$7,784
11 years$12,487$11,166$9,970$8,890$7,918$6,564
12 years$11,329$10,022$8,848$7,798$6,861$5,575
13 years$10,350$9,057$7,905$6,884$5,983$4,763
14 years$9,512$8,233$7,103$6,111$5,245$4,089
15 years$8,786$7,521$6,413$5,450$4,618$3,524
16 years$8,152$6,900$5,814$4,880$4,081$3,048
17 years$7,593$6,355$5,291$4,385$3,619$2,643
18 years$7,096$5,872$4,830$3,951$3,218$2,298
19 years$6,652$5,442$4,422$3,570$2,868$2,002
20 years$6,254$5,057$4,058$3,234$2,562$1,747
21 years$5,893$4,711$3,732$2,935$2,292$1,527
22 years$5,566$4,397$3,440$2,668$2,055$1,337
23 years$5,268$4,113$3,176$2,430$1,845$1,171
24 years$4,995$3,853$2,938$2,216$1,658$1,027
25 years$4,744$3,616$2,721$2,024$1,492$902
26 years$4,513$3,398$2,523$1,851$1,344$792
27 years$4,299$3,198$2,343$1,694$1,212$697
28 years$4,101$3,014$2,178$1,552$1,093$613
29 years$3,917$2,843$2,027$1,423$987$539
30 years$3,745$2,685$1,888$1,306$892$475
31 years$3,585$2,538$1,760$1,200$806$418
32 years$3,436$2,402$1,642$1,103$729$369
33 years$3,295$2,274$1,533$1,014$660$325
34 years$3,163$2,156$1,433$933$598$286
35 years$3,039$2,045$1,340$859$541$253
36 years$2,922$1,941$1,253$791$491$223
37 years$2,812$1,843$1,173$729$445$197
38 years$2,708$1,752$1,098$672$403$173
39 years$2,609$1,666$1,029$619$365$153
40 years$2,516$1,585$965$571$332$135
41 years$2,427$1,509$904$527$301$119
42 years$2,343$1,437$848$486$273$105
43 years$2,262$1,369$796$449$248$93
44 years$2,186$1,305$747$415$225$82
45 years$2,114$1,244$702$383$204$72
46 years$2,044$1,187$659$354$185$64
47 years$1,978$1,133$619$327$168$56
48 years$1,915$1,081$582$302$153$50
49 years$1,854$1,033$547$279$139$44
50 years$1,796$986$514$258$126$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,840,000, adding $4,477 every year, while hoping to spend $52,613 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: 36/38/26 Blend
34$1,840,000$1,840,000$1,840,000$1,840,000
35$2,032,298$1,934,778$1,906,258$2,089,429
36$2,183,613$1,973,602$1,914,138$2,170,934
37$2,348,598$2,012,566$1,920,518$2,253,746
38$2,528,593$2,051,619$1,925,294$2,342,120
39$2,725,071$2,090,710$1,928,353$2,436,592
40$2,939,655$2,129,781$1,929,579$2,537,749
41$3,174,129$2,168,771$1,928,850$2,646,244
42$3,430,462$2,207,612$1,926,037$2,762,795
43$3,710,816$2,246,232$1,921,006$2,888,196
44$4,017,575$2,284,553$1,913,616$3,023,324
45$4,353,364$2,322,492$1,903,718$3,169,146
46$4,721,072$2,359,959$1,891,158$3,326,733
47$5,123,881$2,396,858$1,875,772$3,497,264
48$5,565,297$2,433,084$1,857,391$3,682,042
49$6,049,179$2,468,527$1,835,835$3,882,508
50$6,579,778$2,503,067$1,810,918$4,100,249
51$7,161,776$2,536,578$1,782,444$4,337,021
52$7,800,330$2,568,923$1,750,209$4,594,759
53$8,501,120$2,599,956$1,713,997$4,875,602
54$9,270,403$2,629,523$1,673,585$5,181,910
55$10,115,071$2,657,457$1,628,737$5,516,288
56$11,042,717$2,683,580$1,579,208$5,881,612
57$12,061,704$2,707,705$1,524,741$6,281,055
58$13,181,244$2,729,630$1,465,067$6,718,120
59$14,411,490$2,749,140$1,399,905$7,196,674
60$15,763,622$2,766,008$1,328,962$7,720,983
61$17,249,959$2,779,990$1,251,930$8,295,755
62$18,884,074$2,790,829$1,168,489$8,926,185
63$20,680,919$2,798,249$1,078,303$9,618,007
64$22,656,969$2,801,959$981,021$10,377,544
65$24,830,373$2,801,648$876,279$11,211,777
66$27,221,130$2,796,988$763,693$12,128,405
67$29,851,272$2,787,628$642,864$13,135,923
68$32,745,078$2,773,197$513,376$14,243,702
69$35,929,294$2,753,302$374,793$15,462,079
70$39,433,393$2,727,526$226,659$16,802,460
71$43,289,849$2,695,424$68,502$18,277,422
72$47,534,442$2,656,528$0$19,900,842
73$52,206,598$2,610,341$0$21,715,842
74$57,349,759$2,556,335$0$23,733,572
75$63,011,791$2,493,953$0$25,953,774
76$69,245,441$2,422,603$0$28,397,137
77$76,108,825$2,341,660$0$31,086,465
78$83,665,986$2,250,462$0$34,046,902
79$91,987,490$2,148,309$0$37,306,161
80$101,151,097$2,034,458$0$40,894,794
81$111,242,488$1,908,126$0$44,846,480
82$122,356,082$1,768,485$0$49,198,344
83$134,595,919$1,614,657$0$53,991,310
84$148,076,644$1,445,716$0$59,270,490
85$162,924,589$1,260,684$0$65,085,610
86$179,278,965$1,058,525$0$71,491,483
87$197,293,172$838,146$0$78,548,531
88$217,136,254$598,393$0$86,323,353
89$238,994,483$338,046$0$94,889,360
90$263,073,128$55,817$0$104,327,470
91$289,598,382$0$0$114,726,876
92$318,819,504$0$0$126,290,283
93$351,011,166$0$0$139,055,318
94$386,476,048$0$0$153,118,714
95$425,547,692$0$0$168,612,789
96$468,593,654$0$0$185,683,352
97$516,018,967$0$0$204,491,083
98$568,269,968$0$0$225,213,045
99$625,838,508$0$0$248,044,359
100$689,266,597$0$0$273,200,045