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

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 $1,840,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$151,945$150,592$149,272$147,983$146,724$143,061
2 years$75,221$73,820$72,462$71,146$69,869$66,201
3 years$49,649$48,242$46,888$45,584$44,328$40,771
4 years$36,866$35,463$34,122$32,840$31,615$28,196
5 years$29,198$27,803$26,480$25,225$24,033$20,761
6 years$24,087$22,704$21,400$20,172$19,017$15,895
7 years$20,438$19,066$17,783$16,585$15,466$12,495
8 years$17,703$16,343$15,082$13,913$12,830$10,010
9 years$15,577$14,230$12,990$11,850$10,805$8,131
10 years$13,877$12,543$11,325$10,215$9,206$6,677
11 years$12,487$11,166$9,970$8,890$7,918$5,529
12 years$11,329$10,022$8,848$7,798$6,861$4,609
13 years$10,350$9,057$7,905$6,884$5,983$3,862
14 years$9,512$8,233$7,103$6,111$5,245$3,251
15 years$8,786$7,521$6,413$5,450$4,618$2,747
16 years$8,152$6,900$5,814$4,880$4,081$2,327
17 years$7,593$6,355$5,291$4,385$3,619$1,977
18 years$7,096$5,872$4,830$3,951$3,218$1,683
19 years$6,652$5,442$4,422$3,570$2,868$1,435
20 years$6,254$5,057$4,058$3,234$2,562$1,225
21 years$5,893$4,711$3,732$2,935$2,292$1,048
22 years$5,566$4,397$3,440$2,668$2,055$897
23 years$5,268$4,113$3,176$2,430$1,845$768
24 years$4,995$3,853$2,938$2,216$1,658$659
25 years$4,744$3,616$2,721$2,024$1,492$565
26 years$4,513$3,398$2,523$1,851$1,344$485
27 years$4,299$3,198$2,343$1,694$1,212$417
28 years$4,101$3,014$2,178$1,552$1,093$358
29 years$3,917$2,843$2,027$1,423$987$308
30 years$3,745$2,685$1,888$1,306$892$264
31 years$3,585$2,538$1,760$1,200$806$227
32 years$3,436$2,402$1,642$1,103$729$196
33 years$3,295$2,274$1,533$1,014$660$168
34 years$3,163$2,156$1,433$933$598$145
35 years$3,039$2,045$1,340$859$541$125
36 years$2,922$1,941$1,253$791$491$107
37 years$2,812$1,843$1,173$729$445$92
38 years$2,708$1,752$1,098$672$403$79
39 years$2,609$1,666$1,029$619$365$68
40 years$2,516$1,585$965$571$332$59
41 years$2,427$1,509$904$527$301$51
42 years$2,343$1,437$848$486$273$44
43 years$2,262$1,369$796$449$248$38
44 years$2,186$1,305$747$415$225$32
45 years$2,114$1,244$702$383$204$28
46 years$2,044$1,187$659$354$185$24
47 years$1,978$1,133$619$327$168$21
48 years$1,915$1,081$582$302$153$18
49 years$1,854$1,033$547$279$139$15
50 years$1,796$986$514$258$126$13

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 $6,962 every year, while hoping to spend $40,431 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: 69/12/19 Blend
34$1,840,000$1,840,000$1,840,000$1,840,000
35$2,034,861$1,937,341$1,908,821$2,165,373
36$2,199,399$1,989,253$1,929,749$2,305,276
37$2,379,364$2,042,353$1,950,022$2,452,895
38$2,576,288$2,096,657$1,969,576$2,613,423
39$2,791,857$2,152,180$1,988,344$2,788,131
40$3,027,926$2,208,937$2,006,254$2,978,417
41$3,286,540$2,266,941$2,023,229$3,185,824
42$3,569,951$2,326,204$2,039,191$3,412,049
43$3,880,637$2,386,740$2,054,055$3,658,962
44$4,221,330$2,448,557$2,067,733$3,928,625
45$4,595,036$2,511,668$2,080,133$4,223,307
46$5,005,070$2,576,079$2,091,157$4,545,509
47$5,455,079$2,641,799$2,100,703$4,897,986
48$5,949,082$2,708,832$2,108,662$5,283,775
49$6,491,508$2,777,185$2,114,922$5,706,221
50$7,087,234$2,846,859$2,119,364$6,169,009
51$7,741,632$2,917,855$2,121,862$6,676,201
52$8,460,620$2,990,172$2,122,287$7,232,270
53$9,250,720$3,063,807$2,120,500$7,842,148
54$10,119,114$3,138,754$2,116,357$8,511,268
55$11,073,716$3,215,005$2,109,707$9,245,617
56$12,123,245$3,292,550$2,100,392$10,051,792
57$13,277,305$3,371,375$2,088,245$10,937,062
58$14,546,482$3,451,463$2,073,092$11,909,439
59$15,942,433$3,532,795$2,054,751$12,977,750
60$17,478,005$3,615,346$2,033,030$14,151,723
61$19,167,354$3,699,090$2,007,728$15,442,079
62$21,026,074$3,783,995$1,978,637$16,860,631
63$23,071,348$3,870,026$1,945,536$18,420,397
64$25,322,109$3,957,141$1,908,195$20,135,724
65$27,799,219$4,045,296$1,866,375$22,022,420
66$30,525,664$4,134,439$1,819,822$24,097,909
67$33,526,769$4,224,514$1,768,274$26,381,390
68$36,830,443$4,315,459$1,711,455$28,894,022
69$40,467,437$4,407,205$1,649,077$31,659,121
70$44,471,632$4,499,675$1,580,838$34,702,383
71$48,880,366$4,592,787$1,506,423$38,052,126
72$53,734,779$4,686,448$1,425,504$41,739,556
73$59,080,203$4,780,561$1,337,735$45,799,063
74$64,966,591$4,875,016$1,242,756$50,268,548
75$71,448,987$4,969,696$1,140,193$55,189,774
76$78,588,046$5,064,473$1,029,651$60,608,771
77$86,450,603$5,159,208$910,721$66,576,261
78$95,110,308$5,253,753$782,974$73,148,143
79$104,648,319$5,347,946$645,962$80,386,020
80$115,154,064$5,441,612$499,219$88,357,779
81$126,726,091$5,534,564$342,255$97,138,234
82$139,472,993$5,626,599$174,562$106,809,832
83$153,514,437$5,717,500$0$117,463,433
84$168,982,286$5,807,034$0$129,200,058
85$186,021,851$5,894,951$0$142,166,987
86$204,793,258$5,980,982$0$156,450,515
87$225,472,960$6,064,839$0$172,184,775
88$248,255,401$6,146,215$0$189,517,582
89$273,354,853$6,224,781$0$208,611,820
90$301,007,438$6,300,185$0$229,646,987
91$331,473,354$6,372,051$0$252,820,884
92$365,039,332$6,439,978$0$278,351,485
93$402,021,345$6,503,538$0$306,478,993
94$442,767,585$6,562,274$0$337,468,110
95$487,661,753$6,615,700$0$371,610,531
96$537,126,681$6,663,298$0$409,227,704
97$591,628,319$6,704,517$0$450,673,858
98$651,680,138$6,738,769$0$496,339,349
99$717,847,973$6,765,429$0$546,654,349
100$790,755,365$6,783,835$0$602,092,902