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%11.5%
1 years$152,771$151,410$150,083$148,787$147,522$146,592
2 years$75,629$74,221$72,856$71,532$70,248$69,311
3 years$49,919$48,504$47,142$45,831$44,568$43,652
4 years$37,066$35,656$34,308$33,019$31,787$30,898
5 years$29,356$27,954$26,624$25,362$24,164$23,305
6 years$24,218$22,827$21,516$20,282$19,120$18,293
7 years$20,550$19,170$17,880$16,675$15,550$14,755
8 years$17,799$16,432$15,164$13,988$12,900$12,138
9 years$15,661$14,307$13,061$11,915$10,864$10,133
10 years$13,952$12,611$11,386$10,271$9,256$8,558
11 years$12,554$11,227$10,024$8,939$7,961$7,293
12 years$11,391$10,077$8,896$7,840$6,899$6,262
13 years$10,407$9,106$7,948$6,922$6,016$5,409
14 years$9,564$8,277$7,142$6,144$5,273$4,695
15 years$8,834$7,562$6,448$5,480$4,643$4,093
16 years$8,196$6,938$5,846$4,907$4,104$3,582
17 years$7,634$6,389$5,320$4,408$3,638$3,143
18 years$7,135$5,904$4,856$3,973$3,235$2,766
19 years$6,689$5,472$4,446$3,590$2,884$2,439
20 years$6,288$5,085$4,080$3,251$2,576$2,156
21 years$5,925$4,736$3,753$2,951$2,305$1,908
22 years$5,596$4,421$3,459$2,683$2,066$1,692
23 years$5,296$4,135$3,194$2,443$1,855$1,502
24 years$5,022$3,874$2,953$2,229$1,667$1,334
25 years$4,770$3,636$2,736$2,035$1,500$1,187
26 years$4,537$3,417$2,537$1,861$1,351$1,057
27 years$4,322$3,216$2,356$1,703$1,218$942
28 years$4,123$3,030$2,190$1,561$1,099$840
29 years$3,938$2,859$2,038$1,431$993$749
30 years$3,766$2,700$1,898$1,313$897$669
31 years$3,605$2,552$1,770$1,206$811$598
32 years$3,454$2,415$1,651$1,109$733$534
33 years$3,313$2,287$1,542$1,019$664$477
34 years$3,180$2,167$1,441$938$601$427
35 years$3,056$2,056$1,347$863$544$382
36 years$2,938$1,951$1,260$795$493$342
37 years$2,827$1,853$1,179$733$447$306
38 years$2,722$1,761$1,104$675$405$274
39 years$2,623$1,675$1,035$623$367$245
40 years$2,529$1,593$970$574$333$219
41 years$2,440$1,517$909$530$302$197
42 years$2,355$1,444$853$489$274$176
43 years$2,275$1,376$800$451$249$158
44 years$2,198$1,312$751$417$226$141
45 years$2,125$1,251$705$385$205$127
46 years$2,055$1,193$663$356$186$114
47 years$1,989$1,139$622$329$169$102
48 years$1,925$1,087$585$304$154$91
49 years$1,864$1,038$550$281$140$82
50 years$1,806$992$517$259$127$73

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 $6,207 every year, while hoping to spend $44,898 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: 74/21/5 Blend
34$1,850,000$1,850,000$1,850,000$1,850,000
35$2,045,103$1,947,053$1,918,378$2,195,229
36$2,205,932$1,994,687$1,934,872$2,342,465
37$2,381,661$2,043,151$1,950,414$2,497,379
38$2,573,762$2,092,437$1,964,925$2,665,777
39$2,783,857$2,142,537$1,978,321$2,848,974
40$3,013,730$2,193,441$1,990,514$3,048,418
41$3,265,346$2,245,135$2,001,412$3,265,706
42$3,540,870$2,297,605$2,010,918$3,502,594
43$3,842,684$2,350,834$2,018,929$3,761,016
44$4,173,414$2,404,801$2,025,340$4,043,103
45$4,535,950$2,459,484$2,030,037$4,351,201
46$4,933,476$2,514,857$2,032,901$4,687,895
47$5,369,497$2,570,892$2,033,810$5,056,032
48$5,847,876$2,627,556$2,032,633$5,458,747
49$6,372,865$2,684,813$2,029,233$5,899,494
50$6,949,152$2,742,623$2,023,466$6,382,079
51$7,581,898$2,800,943$2,015,184$6,910,692
52$8,276,787$2,859,725$2,004,228$7,489,953
53$9,040,083$2,918,915$1,990,434$8,124,948
54$9,878,686$2,978,457$1,973,628$8,821,282
55$10,800,196$3,038,286$1,953,629$9,585,132
56$11,812,988$3,098,333$1,930,248$10,423,301
57$12,926,287$3,158,526$1,903,285$11,343,284
58$14,150,256$3,218,781$1,872,532$12,353,344
59$15,496,092$3,279,012$1,837,773$13,462,579
60$16,976,133$3,339,123$1,798,778$14,681,018
61$18,603,971$3,399,012$1,755,309$16,019,711
62$20,394,580$3,458,568$1,707,116$17,490,832
63$22,364,462$3,517,672$1,653,939$19,107,797
64$24,531,794$3,576,196$1,595,503$20,885,390
65$26,916,609$3,634,001$1,531,524$22,839,900
66$29,540,976$3,690,939$1,461,703$24,989,277
67$32,429,212$3,746,853$1,385,727$27,353,301
68$35,608,113$3,801,570$1,303,270$29,953,768
69$39,107,203$3,854,908$1,213,991$32,814,697
70$42,959,011$3,906,673$1,117,534$35,962,555
71$47,199,385$3,956,655$1,013,526$39,426,509
72$51,867,822$4,004,630$901,579$43,238,698
73$57,007,843$4,050,360$781,285$47,434,542
74$62,667,405$4,093,590$652,220$52,053,071
75$68,899,353$4,134,049$513,942$57,137,295
76$75,761,916$4,171,446$365,988$62,734,611
77$83,319,257$4,205,472$207,874$68,897,252
78$91,642,080$4,235,800$39,097$75,682,776
79$100,808,296$4,262,077$0$83,154,614
80$110,903,755$4,283,932$0$91,390,190
81$122,023,060$4,300,967$0$100,461,724
82$134,270,460$4,312,761$0$110,452,049
83$147,760,827$4,318,867$0$121,454,743
84$162,620,747$4,318,807$0$133,572,929
85$178,989,711$4,312,076$0$146,920,247
86$197,021,431$4,298,138$0$161,621,929
87$216,885,291$4,276,421$0$177,815,980
88$238,767,948$4,246,322$0$195,654,480
89$262,875,086$4,207,200$0$215,305,021
90$289,433,366$4,158,374$0$236,952,290
91$318,692,559$4,099,124$0$260,799,812
92$350,927,904$4,028,685$0$287,071,871
93$386,442,709$3,946,250$0$316,015,630
94$425,571,210$3,850,960$0$347,903,463
95$468,681,724$3,741,908$0$383,035,528
96$516,180,132$3,618,133$0$421,742,599
97$568,513,703$3,478,619$0$464,389,191
98$626,175,319$3,322,290$0$511,377,005
99$689,708,126$3,148,007$0$563,148,714
100$759,710,661$2,954,566$0$620,192,148