Can I retire at age 35 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$152,771$151,410$150,083$148,787$147,522$143,955
2 years$75,629$74,221$72,856$71,532$70,248$66,677
3 years$49,919$48,504$47,142$45,831$44,568$41,103
4 years$37,066$35,656$34,308$33,019$31,787$28,454
5 years$29,356$27,954$26,624$25,362$24,164$20,974
6 years$24,218$22,827$21,516$20,282$19,120$16,076
7 years$20,550$19,170$17,880$16,675$15,550$12,651
8 years$17,799$16,432$15,164$13,988$12,900$10,146
9 years$15,661$14,307$13,061$11,915$10,864$8,253
10 years$13,952$12,611$11,386$10,271$9,256$6,785
11 years$12,554$11,227$10,024$8,939$7,961$5,625
12 years$11,391$10,077$8,896$7,840$6,899$4,695
13 years$10,407$9,106$7,948$6,922$6,016$3,940
14 years$9,564$8,277$7,142$6,144$5,273$3,321
15 years$8,834$7,562$6,448$5,480$4,643$2,810
16 years$8,196$6,938$5,846$4,907$4,104$2,384
17 years$7,634$6,389$5,320$4,408$3,638$2,028
18 years$7,135$5,904$4,856$3,973$3,235$1,729
19 years$6,689$5,472$4,446$3,590$2,884$1,476
20 years$6,288$5,085$4,080$3,251$2,576$1,263
21 years$5,925$4,736$3,753$2,951$2,305$1,081
22 years$5,596$4,421$3,459$2,683$2,066$927
23 years$5,296$4,135$3,194$2,443$1,855$795
24 years$5,022$3,874$2,953$2,229$1,667$683
25 years$4,770$3,636$2,736$2,035$1,500$587
26 years$4,537$3,417$2,537$1,861$1,351$505
27 years$4,322$3,216$2,356$1,703$1,218$434
28 years$4,123$3,030$2,190$1,561$1,099$374
29 years$3,938$2,859$2,038$1,431$993$322
30 years$3,766$2,700$1,898$1,313$897$277
31 years$3,605$2,552$1,770$1,206$811$239
32 years$3,454$2,415$1,651$1,109$733$206
33 years$3,313$2,287$1,542$1,019$664$177
34 years$3,180$2,167$1,441$938$601$153
35 years$3,056$2,056$1,347$863$544$132
36 years$2,938$1,951$1,260$795$493$113
37 years$2,827$1,853$1,179$733$447$98
38 years$2,722$1,761$1,104$675$405$84
39 years$2,623$1,675$1,035$623$367$73
40 years$2,529$1,593$970$574$333$63
41 years$2,440$1,517$909$530$302$54
42 years$2,355$1,444$853$489$274$47
43 years$2,275$1,376$800$451$249$40
44 years$2,198$1,312$751$417$226$35
45 years$2,125$1,251$705$385$205$30
46 years$2,055$1,193$663$356$186$26
47 years$1,989$1,139$622$329$169$22
48 years$1,925$1,087$585$304$154$19
49 years$1,864$1,038$550$281$140$17
50 years$1,806$992$517$259$127$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,850,000, adding $3,147 every year, while hoping to spend $41,704 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: 48/24/28 Blend
34$1,850,000$1,850,000$1,850,000$1,850,000
35$2,041,946$1,943,896$1,915,221$2,123,502
36$2,205,852$1,994,774$1,935,008$2,232,075
37$2,385,078$2,046,748$1,954,061$2,345,575
38$2,581,144$2,099,826$1,972,309$2,468,031
39$2,795,721$2,154,018$1,989,682$2,600,308
40$3,030,651$2,209,332$2,006,103$2,743,362
41$3,287,962$2,265,773$2,021,492$2,898,243
42$3,569,886$2,323,348$2,035,764$3,066,109
43$3,878,883$2,382,060$2,048,830$3,248,237
44$4,217,661$2,441,913$2,060,598$3,446,032
45$4,589,203$2,502,907$2,070,968$3,661,045
46$4,996,794$2,565,042$2,079,838$3,894,984
47$5,444,053$2,628,316$2,087,099$4,149,731
48$5,934,967$2,692,724$2,092,638$4,427,361
49$6,473,927$2,758,260$2,096,334$4,730,160
50$7,065,768$2,824,916$2,098,062$5,060,648
51$7,715,819$2,892,680$2,097,690$5,421,604
52$8,429,950$2,961,538$2,095,080$5,816,087
53$9,214,627$3,031,475$2,090,087$6,247,473
54$10,076,972$3,102,471$2,082,558$6,719,480
55$11,024,834$3,174,503$2,072,335$7,236,209
56$12,066,859$3,247,545$2,059,249$7,802,177
57$13,212,570$3,321,566$2,043,126$8,422,365
58$14,472,464$3,396,534$2,023,782$9,102,262
59$15,858,101$3,472,410$2,001,024$9,847,919
60$17,382,220$3,549,152$1,974,652$10,666,006
61$19,058,858$3,626,711$1,944,454$11,563,874
62$20,903,477$3,705,036$1,910,209$12,549,626
63$22,933,118$3,784,068$1,871,687$13,632,194
64$25,166,552$3,863,744$1,828,644$14,821,421
65$27,624,465$3,943,993$1,780,829$16,128,159
66$30,329,650$4,024,738$1,727,977$17,564,369
67$33,307,220$4,105,895$1,669,809$19,143,232
68$36,584,846$4,187,374$1,606,037$20,879,280
69$40,193,019$4,269,074$1,536,358$22,788,529
70$44,165,336$4,350,888$1,460,456$24,888,631
71$48,538,818$4,432,698$1,377,998$27,199,044
72$53,354,255$4,514,379$1,288,639$29,741,213
73$58,656,599$4,595,793$1,192,018$32,538,777
74$64,495,378$4,676,793$1,087,757$35,617,788
75$70,925,171$4,757,220$975,461$39,006,961
76$78,006,117$4,836,902$854,717$42,737,947
77$85,804,487$4,915,657$725,096$46,845,629
78$94,393,305$4,993,285$586,148$51,368,455
79$103,853,041$5,069,575$437,403$56,348,800
80$114,272,367$5,144,299$278,371$61,833,370
81$125,748,992$5,217,213$108,540$67,873,641
82$138,390,590$5,288,057$0$74,526,346
83$152,315,809$5,356,551$0$81,875,736
84$167,655,396$5,422,397$0$90,005,025
85$184,553,428$5,485,275$0$98,957,880
86$203,168,670$5,544,846$0$108,818,195
87$223,676,076$5,600,746$0$119,678,421
88$246,268,440$5,652,587$0$131,640,439
89$271,158,214$5,699,957$0$144,816,522
90$298,579,512$5,742,415$0$159,330,395
91$328,790,322$5,779,493$0$175,318,404
92$362,074,939$5,810,692$0$192,930,802
93$398,746,649$5,835,482$0$212,333,170
94$439,150,686$5,853,299$0$233,707,980
95$483,667,489$5,863,544$0$257,256,315
96$532,716,293$5,865,578$0$283,199,772
97$586,759,090$5,858,726$0$311,782,554
98$646,304,982$5,842,269$0$343,273,774
99$711,914,994$5,815,444$0$377,969,996
100$784,207,365$5,777,442$0$416,198,038