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

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$152,771$151,410$150,083$148,787$147,522$143,086
2 years$75,629$74,221$72,856$71,532$70,248$65,817
3 years$49,919$48,504$47,142$45,831$44,568$40,280
4 years$37,066$35,656$34,308$33,019$31,787$27,674
5 years$29,356$27,954$26,624$25,362$24,164$20,238
6 years$24,218$22,827$21,516$20,282$19,120$15,385
7 years$20,550$19,170$17,880$16,675$15,550$12,005
8 years$17,799$16,432$15,164$13,988$12,900$9,544
9 years$15,661$14,307$13,061$11,915$10,864$7,692
10 years$13,952$12,611$11,386$10,271$9,256$6,265
11 years$12,554$11,227$10,024$8,939$7,961$5,145
12 years$11,391$10,077$8,896$7,840$6,899$4,252
13 years$10,407$9,106$7,948$6,922$6,016$3,533
14 years$9,564$8,277$7,142$6,144$5,273$2,947
15 years$8,834$7,562$6,448$5,480$4,643$2,467
16 years$8,196$6,938$5,846$4,907$4,104$2,071
17 years$7,634$6,389$5,320$4,408$3,638$1,742
18 years$7,135$5,904$4,856$3,973$3,235$1,469
19 years$6,689$5,472$4,446$3,590$2,884$1,240
20 years$6,288$5,085$4,080$3,251$2,576$1,049
21 years$5,925$4,736$3,753$2,951$2,305$888
22 years$5,596$4,421$3,459$2,683$2,066$752
23 years$5,296$4,135$3,194$2,443$1,855$638
24 years$5,022$3,874$2,953$2,229$1,667$541
25 years$4,770$3,636$2,736$2,035$1,500$460
26 years$4,537$3,417$2,537$1,861$1,351$390
27 years$4,322$3,216$2,356$1,703$1,218$332
28 years$4,123$3,030$2,190$1,561$1,099$282
29 years$3,938$2,859$2,038$1,431$993$240
30 years$3,766$2,700$1,898$1,313$897$204
31 years$3,605$2,552$1,770$1,206$811$174
32 years$3,454$2,415$1,651$1,109$733$148
33 years$3,313$2,287$1,542$1,019$664$126
34 years$3,180$2,167$1,441$938$601$107
35 years$3,056$2,056$1,347$863$544$91
36 years$2,938$1,951$1,260$795$493$78
37 years$2,827$1,853$1,179$733$447$66
38 years$2,722$1,761$1,104$675$405$56
39 years$2,623$1,675$1,035$623$367$48
40 years$2,529$1,593$970$574$333$41
41 years$2,440$1,517$909$530$302$35
42 years$2,355$1,444$853$489$274$30
43 years$2,275$1,376$800$451$249$25
44 years$2,198$1,312$751$417$226$21
45 years$2,125$1,251$705$385$205$18
46 years$2,055$1,193$663$356$186$16
47 years$1,989$1,139$622$329$169$13
48 years$1,925$1,087$585$304$154$11
49 years$1,864$1,038$550$281$140$10
50 years$1,806$992$517$259$127$8

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 $6,021 every year, while hoping to spend $44,395 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: 71/16/13 Blend
34$1,850,000$1,850,000$1,850,000$1,850,000
35$2,044,911$1,946,861$1,918,186$2,183,932
36$2,206,256$1,995,021$1,935,209$2,325,065
37$2,382,570$2,044,053$1,951,315$2,473,536
38$2,575,333$2,093,953$1,966,425$2,634,893
39$2,786,175$2,144,715$1,980,458$2,810,399
40$3,016,891$2,196,331$1,993,329$3,001,446
41$3,269,454$2,248,792$2,004,946$3,209,565
42$3,546,042$2,302,086$2,015,215$3,436,444
43$3,849,049$2,356,199$2,024,036$3,683,942
44$4,181,114$2,411,115$2,031,303$3,954,107
45$4,545,143$2,466,815$2,036,907$4,249,193
46$4,944,336$2,523,277$2,040,732$4,571,687
47$5,382,217$2,580,477$2,042,656$4,924,325
48$5,862,670$2,638,387$2,042,551$5,310,123
49$6,389,970$2,696,976$2,040,284$5,732,405
50$6,968,828$2,756,208$2,035,714$6,194,831
51$7,604,432$2,816,046$2,028,695$6,701,434
52$8,302,498$2,876,447$2,019,070$7,256,661
53$9,069,324$2,937,364$2,006,680$7,865,407
54$9,911,845$2,998,744$1,991,353$8,533,068
55$10,837,702$3,060,532$1,972,913$9,265,590
56$11,855,315$3,122,665$1,951,173$10,069,525
57$12,973,957$3,185,076$1,925,937$10,952,092
58$14,203,847$3,247,691$1,897,003$11,921,246
59$15,556,243$3,310,431$1,864,155$12,985,753
60$17,043,546$3,373,208$1,827,171$14,155,273
61$18,679,421$3,435,929$1,785,815$15,440,451
62$20,478,925$3,498,493$1,739,843$16,853,016
63$22,458,646$3,560,790$1,688,998$18,405,896
64$24,636,861$3,622,702$1,633,013$20,113,336
65$27,033,708$3,684,101$1,571,606$21,991,032
66$29,671,376$3,744,852$1,504,484$24,056,283
67$32,574,313$3,804,806$1,431,341$26,328,154
68$35,769,459$3,863,807$1,351,856$28,827,653
69$39,286,494$3,921,685$1,265,694$31,577,929
70$43,158,127$3,978,258$1,172,506$34,604,498
71$47,420,395$4,033,332$1,071,924$37,935,473
72$52,113,010$4,086,698$963,567$41,601,839
73$57,279,726$4,138,136$847,036$45,637,743
74$62,968,760$4,187,406$721,913$50,080,812
75$69,233,240$4,234,256$587,764$54,972,515
76$76,131,709$4,278,414$444,133$60,358,552
77$83,728,678$4,319,590$290,546$66,289,283
78$92,095,231$4,357,478$126,507$72,820,210
79$101,309,698$4,391,748$0$80,012,496
80$111,458,395$4,422,052$0$87,940,278
81$122,636,435$4,448,016$0$96,690,269
82$134,948,628$4,469,245$0$106,326,838
83$148,510,467$4,485,317$0$116,940,282
84$163,449,222$4,495,785$0$128,630,102
85$179,905,137$4,500,172$0$141,505,947
86$198,032,753$4,497,974$0$155,688,649
87$218,002,372$4,488,652$0$171,311,365
88$240,001,655$4,471,637$0$188,520,828
89$264,237,401$4,446,324$0$207,478,741
90$290,937,494$4,412,072$0$228,363,296
91$320,353,054$4,368,200$0$251,370,860
92$352,760,810$4,313,985$0$276,717,829
93$388,465,706$4,248,665$0$304,642,670
94$427,803,786$4,171,427$0$335,408,173
95$471,145,359$4,081,413$0$369,303,932
96$518,898,498$3,977,716$0$406,649,077
97$571,512,892$3,859,370$0$447,795,292
98$629,484,086$3,725,359$0$493,130,131
99$693,358,163$3,574,602$0$543,080,677
100$763,736,898$3,405,960$0$598,117,580