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%15.1%
1 years$151,945$150,592$149,272$147,983$146,724$143,644
2 years$75,221$73,820$72,462$71,146$69,869$66,780
3 years$49,649$48,242$46,888$45,584$44,328$41,327
4 years$36,866$35,463$34,122$32,840$31,615$28,725
5 years$29,198$27,803$26,480$25,225$24,033$21,263
6 years$24,087$22,704$21,400$20,172$19,017$16,368
7 years$20,438$19,066$17,783$16,585$15,466$12,940
8 years$17,703$16,343$15,082$13,913$12,830$10,426
9 years$15,577$14,230$12,990$11,850$10,805$8,521
10 years$13,877$12,543$11,325$10,215$9,206$7,040
11 years$12,487$11,166$9,970$8,890$7,918$5,867
12 years$11,329$10,022$8,848$7,798$6,861$4,923
13 years$10,350$9,057$7,905$6,884$5,983$4,153
14 years$9,512$8,233$7,103$6,111$5,245$3,520
15 years$8,786$7,521$6,413$5,450$4,618$2,994
16 years$8,152$6,900$5,814$4,880$4,081$2,555
17 years$7,593$6,355$5,291$4,385$3,619$2,186
18 years$7,096$5,872$4,830$3,951$3,218$1,875
19 years$6,652$5,442$4,422$3,570$2,868$1,610
20 years$6,254$5,057$4,058$3,234$2,562$1,386
21 years$5,893$4,711$3,732$2,935$2,292$1,194
22 years$5,566$4,397$3,440$2,668$2,055$1,030
23 years$5,268$4,113$3,176$2,430$1,845$889
24 years$4,995$3,853$2,938$2,216$1,658$768
25 years$4,744$3,616$2,721$2,024$1,492$664
26 years$4,513$3,398$2,523$1,851$1,344$575
27 years$4,299$3,198$2,343$1,694$1,212$498
28 years$4,101$3,014$2,178$1,552$1,093$431
29 years$3,917$2,843$2,027$1,423$987$374
30 years$3,745$2,685$1,888$1,306$892$324
31 years$3,585$2,538$1,760$1,200$806$281
32 years$3,436$2,402$1,642$1,103$729$244
33 years$3,295$2,274$1,533$1,014$660$211
34 years$3,163$2,156$1,433$933$598$183
35 years$3,039$2,045$1,340$859$541$159
36 years$2,922$1,941$1,253$791$491$138
37 years$2,812$1,843$1,173$729$445$120
38 years$2,708$1,752$1,098$672$403$104
39 years$2,609$1,666$1,029$619$365$90
40 years$2,516$1,585$965$571$332$78
41 years$2,427$1,509$904$527$301$68
42 years$2,343$1,437$848$486$273$59
43 years$2,262$1,369$796$449$248$51
44 years$2,186$1,305$747$415$225$45
45 years$2,114$1,244$702$383$204$39
46 years$2,044$1,187$659$354$185$34
47 years$1,978$1,133$619$327$168$29
48 years$1,915$1,081$582$302$153$25
49 years$1,854$1,033$547$279$139$22
50 years$1,796$986$514$258$126$19

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 $5,058 every year, while hoping to spend $34,874 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: 42/31/27 Blend
34$1,840,000$1,840,000$1,840,000$1,840,000
35$2,032,897$1,935,377$1,906,857$2,102,021
36$2,203,147$1,993,105$1,933,631$2,209,902
37$2,389,594$2,052,493$1,960,134$2,322,982
38$2,593,852$2,113,585$1,986,318$2,444,775
39$2,817,701$2,176,427$2,012,136$2,576,105
40$3,063,100$2,241,065$2,037,536$2,717,879
41$3,332,207$2,307,547$2,062,463$2,871,096
42$3,627,397$2,375,923$2,086,861$3,036,857
43$3,951,289$2,446,240$2,110,669$3,216,371
44$4,306,766$2,518,551$2,133,821$3,410,973
45$4,697,003$2,592,908$2,156,251$3,622,130
46$5,125,500$2,669,362$2,177,888$3,851,459
47$5,596,109$2,747,969$2,198,656$4,100,740
48$6,113,076$2,828,784$2,218,475$4,371,934
49$6,681,078$2,911,863$2,237,262$4,667,200
50$7,305,267$2,997,263$2,254,929$4,988,919
51$7,991,319$3,085,044$2,271,384$5,339,709
52$8,745,488$3,175,265$2,286,529$5,722,458
53$9,574,661$3,267,986$2,300,262$6,140,346
54$10,486,430$3,363,271$2,312,474$6,596,875
55$11,489,157$3,461,182$2,323,053$7,095,906
56$12,592,055$3,561,784$2,331,879$7,641,690
57$13,805,275$3,665,142$2,338,827$8,238,913
58$15,140,002$3,771,323$2,343,767$8,892,735
59$16,608,558$3,880,394$2,346,559$9,608,845
60$18,224,522$3,992,424$2,347,060$10,393,508
61$20,002,853$4,107,483$2,345,117$11,253,630
62$21,960,037$4,225,642$2,340,571$12,196,819
63$24,114,235$4,346,973$2,333,254$13,231,458
64$26,485,461$4,471,549$2,322,993$14,366,785
65$29,095,767$4,599,444$2,309,602$15,612,979
66$31,969,451$4,730,732$2,292,889$16,981,258
67$35,133,287$4,865,490$2,272,653$18,483,981
68$38,616,778$5,003,794$2,248,682$20,134,771
69$42,452,431$5,145,722$2,220,754$21,948,637
70$46,676,068$5,291,351$2,188,639$23,942,119
71$51,327,161$5,440,761$2,152,092$26,133,444
72$56,449,204$5,594,032$2,110,860$28,542,699
73$62,090,126$5,751,243$2,064,678$31,192,020
74$68,302,740$5,912,475$2,013,265$34,105,798
75$75,145,243$6,077,809$1,956,333$37,310,914
76$82,681,763$6,247,327$1,893,575$40,836,993
77$90,982,966$6,421,110$1,824,673$44,716,679
78$100,126,724$6,599,239$1,749,295$48,985,948
79$110,198,845$6,781,797$1,667,092$53,684,444
80$121,293,887$6,968,865$1,577,699$58,855,859
81$133,516,049$7,160,524$1,480,737$64,548,340
82$146,980,151$7,356,856$1,375,808$70,814,947
83$161,812,725$7,557,940$1,262,495$77,714,153
84$178,153,199$7,763,855$1,140,365$85,310,397
85$196,155,223$7,974,682$1,008,965$93,674,693
86$215,988,111$8,190,496$867,820$102,885,300
87$237,838,442$8,411,374$716,436$113,028,461
88$261,911,823$8,637,391$554,297$124,199,220
89$288,434,825$8,868,620$380,862$136,502,317
90$317,657,125$9,105,131$195,569$150,053,178
91$349,853,862$9,346,992$0$164,979,007
92$385,328,230$9,594,269$0$181,420,611
93$424,414,346$9,847,024$0$199,592,015
94$467,480,399$10,105,318$0$219,607,250
95$514,932,127$10,369,206$0$241,654,125
96$567,216,645$10,638,739$0$265,939,596
97$624,826,671$10,913,964$0$292,691,728
98$688,305,167$11,194,924$0$322,161,838
99$758,250,475$11,481,656$0$354,626,872
100$835,321,956$11,774,191$0$390,392,017