Can I retire at age 35 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$153,597$152,229$150,894$149,591$148,319$143,285
2 years$76,038$74,622$73,250$71,919$70,628$65,607
3 years$50,189$48,766$47,397$46,079$44,809$39,958
4 years$37,266$35,848$34,493$33,197$31,958$27,315
5 years$29,515$28,106$26,768$25,499$24,294$19,871
6 years$24,349$22,950$21,633$20,392$19,223$15,023
7 years$20,661$19,274$17,977$16,765$15,634$11,656
8 years$17,896$16,521$15,246$14,064$12,970$9,212
9 years$15,746$14,385$13,131$11,979$10,922$7,380
10 years$14,027$12,679$11,448$10,326$9,306$5,973
11 years$12,622$11,288$10,079$8,987$8,004$4,873
12 years$11,452$10,131$8,945$7,883$6,936$4,001
13 years$10,463$9,156$7,991$6,959$6,048$3,301
14 years$9,615$8,322$7,180$6,178$5,302$2,735
15 years$8,882$7,602$6,483$5,509$4,668$2,273
16 years$8,241$6,975$5,878$4,933$4,126$1,895
17 years$7,675$6,424$5,348$4,432$3,658$1,583
18 years$7,173$5,936$4,882$3,994$3,253$1,324
19 years$6,725$5,501$4,470$3,609$2,899$1,110
20 years$6,322$5,112$4,102$3,269$2,590$931
21 years$5,957$4,762$3,773$2,967$2,317$782
22 years$5,626$4,445$3,477$2,697$2,077$658
23 years$5,325$4,157$3,211$2,457$1,865$553
24 years$5,049$3,895$2,969$2,241$1,676$466
25 years$4,795$3,655$2,750$2,046$1,508$392
26 years$4,562$3,435$2,551$1,871$1,358$331
27 years$4,346$3,233$2,369$1,713$1,225$279
28 years$4,146$3,047$2,202$1,569$1,105$235
29 years$3,959$2,874$2,049$1,439$998$198
30 years$3,786$2,714$1,909$1,321$902$167
31 years$3,624$2,566$1,779$1,213$815$141
32 years$3,473$2,428$1,660$1,115$737$119
33 years$3,331$2,299$1,550$1,025$667$100
34 years$3,198$2,179$1,448$943$604$85
35 years$3,072$2,067$1,354$868$547$72
36 years$2,954$1,962$1,267$800$496$60
37 years$2,843$1,863$1,186$737$449$51
38 years$2,737$1,771$1,110$679$407$43
39 years$2,637$1,684$1,040$626$369$36
40 years$2,543$1,602$975$577$335$31
41 years$2,453$1,525$914$533$304$26
42 years$2,368$1,452$858$492$276$22
43 years$2,287$1,384$805$454$250$19
44 years$2,210$1,319$755$419$227$16
45 years$2,136$1,258$709$387$206$13
46 years$2,066$1,200$666$358$187$11
47 years$2,000$1,145$626$330$170$9
48 years$1,936$1,093$588$305$154$8
49 years$1,874$1,044$553$282$140$7
50 years$1,816$997$520$261$127$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,860,000, adding $3,999 every year, while hoping to spend $30,694 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: 61/20/19 Blend
34$1,860,000$1,860,000$1,860,000$1,860,000
35$2,053,845$1,955,265$1,926,435$2,168,811
36$2,230,679$2,018,415$1,958,312$2,310,074
37$2,424,521$2,083,630$1,990,229$2,460,409
38$2,637,074$2,150,980$2,022,154$2,623,774
39$2,870,213$2,220,535$2,054,053$2,801,437
40$3,126,004$2,292,370$2,085,892$2,994,796
41$3,406,720$2,366,560$2,117,633$3,205,388
42$3,714,867$2,443,184$2,149,236$3,434,906
43$4,053,207$2,522,323$2,180,659$3,685,216
44$4,424,780$2,604,062$2,211,856$3,958,370
45$4,832,934$2,688,488$2,242,780$4,256,627
46$5,281,360$2,775,690$2,273,380$4,582,479
47$5,774,123$2,865,763$2,303,602$4,938,665
48$6,315,700$2,958,803$2,333,390$5,328,207
49$6,911,026$3,054,908$2,362,683$5,754,429
50$7,565,535$3,154,184$2,391,418$6,220,994
51$8,285,217$3,256,736$2,419,527$6,731,938
52$9,076,667$3,362,674$2,446,940$7,291,704
53$9,947,156$3,472,114$2,473,581$7,905,189
54$10,904,692$3,585,174$2,499,372$8,577,785
55$11,958,099$3,701,976$2,524,229$9,315,433
56$13,117,099$3,822,646$2,548,065$10,124,678
57$14,392,404$3,947,317$2,570,786$11,012,731
58$15,795,817$4,076,123$2,592,295$11,987,535
59$17,340,343$4,209,205$2,612,489$13,057,842
60$19,040,311$4,346,709$2,631,261$14,233,293
61$20,911,510$4,488,786$2,648,495$15,524,513
62$22,971,338$4,635,590$2,664,074$16,943,204
63$25,238,964$4,787,283$2,677,870$18,502,262
64$27,735,511$4,944,033$2,689,752$20,215,897
65$30,484,254$5,106,012$2,699,580$22,099,763
66$33,510,841$5,273,400$2,707,208$24,171,109
67$36,843,531$5,446,380$2,712,484$26,448,941
68$40,513,465$5,625,147$2,715,246$28,954,203
69$44,554,957$5,809,897$2,715,325$31,709,968
70$49,005,818$6,000,837$2,712,544$34,741,663
71$53,907,714$6,198,181$2,706,716$38,077,306
72$59,306,557$6,402,149$2,697,648$41,747,766
73$65,252,940$6,612,968$2,685,134$45,787,063
74$71,802,614$6,830,878$2,668,960$50,232,680
75$79,017,011$7,056,121$2,648,900$55,125,922
76$86,963,829$7,288,954$2,624,721$60,512,302
77$95,717,665$7,529,638$2,596,175$66,441,975
78$105,360,724$7,778,447$2,563,003$72,970,205
79$115,983,590$8,035,663$2,524,936$80,157,894
80$127,686,084$8,301,579$2,481,690$88,072,148
81$140,578,207$8,576,498$2,432,968$96,786,917
82$154,781,172$8,860,735$2,378,461$106,383,689
83$170,428,555$9,154,615$2,317,843$116,952,262
84$187,667,552$9,458,475$2,250,775$128,591,587
85$206,660,369$9,772,666$2,176,902$141,410,707
86$227,585,750$10,097,551$2,095,852$155,529,780
87$250,640,670$10,433,504$2,007,237$171,081,221
88$276,042,189$10,780,917$1,910,650$188,210,943
89$304,029,502$11,140,192$1,805,667$207,079,740
90$334,866,198$11,511,748$1,691,843$227,864,803
91$368,842,746$11,896,019$1,568,716$250,761,390
92$406,279,238$12,293,456$1,435,800$275,984,675
93$447,528,410$12,704,525$1,292,589$303,771,772
94$492,978,971$13,129,710$1,138,554$334,383,978
95$543,059,274$13,569,514$973,143$368,109,236
96$598,241,355$14,024,455$795,779$405,264,856
97$659,045,395$14,495,075$605,859$446,200,508
98$726,044,625$14,981,933$402,755$491,301,525
99$799,870,739$15,485,610$185,809$540,992,538
100$881,219,858$16,006,709$0$595,741,485