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

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$153,597$152,229$150,894$149,591$148,319$144,091
2 years$76,038$74,622$73,250$71,919$70,628$66,401
3 years$50,189$48,766$47,397$46,079$44,809$40,716
4 years$37,266$35,848$34,493$33,197$31,958$28,030
5 years$29,515$28,106$26,768$25,499$24,294$20,542
6 years$24,349$22,950$21,633$20,392$19,223$15,650
7 years$20,661$19,274$17,977$16,765$15,634$12,240
8 years$17,896$16,521$15,246$14,064$12,970$9,754
9 years$15,746$14,385$13,131$11,979$10,922$7,880
10 years$14,027$12,679$11,448$10,326$9,306$6,435
11 years$12,622$11,288$10,079$8,987$8,004$5,297
12 years$11,452$10,131$8,945$7,883$6,936$4,390
13 years$10,463$9,156$7,991$6,959$6,048$3,657
14 years$9,615$8,322$7,180$6,178$5,302$3,059
15 years$8,882$7,602$6,483$5,509$4,668$2,568
16 years$8,241$6,975$5,878$4,933$4,126$2,162
17 years$7,675$6,424$5,348$4,432$3,658$1,824
18 years$7,173$5,936$4,882$3,994$3,253$1,543
19 years$6,725$5,501$4,470$3,609$2,899$1,307
20 years$6,322$5,112$4,102$3,269$2,590$1,108
21 years$5,957$4,762$3,773$2,967$2,317$941
22 years$5,626$4,445$3,477$2,697$2,077$800
23 years$5,325$4,157$3,211$2,457$1,865$680
24 years$5,049$3,895$2,969$2,241$1,676$579
25 years$4,795$3,655$2,750$2,046$1,508$493
26 years$4,562$3,435$2,551$1,871$1,358$420
27 years$4,346$3,233$2,369$1,713$1,225$358
28 years$4,146$3,047$2,202$1,569$1,105$306
29 years$3,959$2,874$2,049$1,439$998$261
30 years$3,786$2,714$1,909$1,321$902$223
31 years$3,624$2,566$1,779$1,213$815$190
32 years$3,473$2,428$1,660$1,115$737$162
33 years$3,331$2,299$1,550$1,025$667$138
34 years$3,198$2,179$1,448$943$604$118
35 years$3,072$2,067$1,354$868$547$101
36 years$2,954$1,962$1,267$800$496$86
37 years$2,843$1,863$1,186$737$449$74
38 years$2,737$1,771$1,110$679$407$63
39 years$2,637$1,684$1,040$626$369$54
40 years$2,543$1,602$975$577$335$46
41 years$2,453$1,525$914$533$304$39
42 years$2,368$1,452$858$492$276$34
43 years$2,287$1,384$805$454$250$29
44 years$2,210$1,319$755$419$227$25
45 years$2,136$1,258$709$387$206$21
46 years$2,066$1,200$666$358$187$18
47 years$2,000$1,145$626$330$170$15
48 years$1,936$1,093$588$305$154$13
49 years$1,874$1,044$553$282$140$11
50 years$1,816$997$520$261$127$10

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 $2,316 every year, while hoping to spend $38,527 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: 33/46/21 Blend
34$1,860,000$1,860,000$1,860,000$1,860,000
35$2,052,109$1,953,529$1,924,699$2,106,502
36$2,220,432$2,008,259$1,948,184$2,201,964
37$2,404,632$2,064,380$1,971,164$2,301,100
38$2,606,289$2,121,919$1,993,583$2,407,149
39$2,827,141$2,180,904$2,015,378$2,520,744
40$3,069,102$2,241,362$2,036,487$2,642,580
41$3,334,282$2,303,320$2,056,841$2,773,422
42$3,625,003$2,366,806$2,076,368$2,914,114
43$3,943,821$2,431,848$2,094,995$3,065,582
44$4,293,555$2,498,472$2,112,641$3,228,846
45$4,677,307$2,566,707$2,129,224$3,405,031
46$5,098,494$2,636,577$2,144,655$3,595,372
47$5,560,882$2,708,111$2,158,842$3,801,232
48$6,068,617$2,781,333$2,171,688$4,024,111
49$6,626,267$2,856,270$2,183,091$4,265,659
50$7,238,865$2,932,946$2,192,944$4,527,697
51$7,911,955$3,011,387$2,201,133$4,812,227
52$8,651,644$3,091,614$2,207,541$5,121,456
53$9,464,661$3,173,652$2,212,042$5,457,815
54$10,358,417$3,257,522$2,214,506$5,823,982
55$11,341,080$3,343,245$2,214,797$6,222,908
56$12,421,647$3,430,840$2,212,769$6,657,842
57$13,610,030$3,520,327$2,208,272$7,132,366
58$14,917,152$3,611,722$2,201,148$7,650,427
59$16,355,046$3,705,040$2,191,231$8,216,370
60$17,936,970$3,800,296$2,178,346$8,834,987
61$19,677,532$3,897,502$2,162,312$9,511,558
62$21,592,827$3,996,666$2,142,936$10,251,897
63$23,700,590$4,097,798$2,120,020$11,062,415
64$26,020,362$4,200,902$2,093,352$11,950,176
65$28,573,674$4,305,981$2,062,714$12,922,963
66$31,384,249$4,413,034$2,027,876$13,989,354
67$34,478,229$4,522,059$1,988,596$15,158,802
68$37,884,418$4,633,050$1,944,623$16,441,723
69$41,634,554$4,745,995$1,895,693$17,849,599
70$45,763,610$4,860,881$1,841,531$19,395,081
71$50,310,124$4,977,689$1,781,848$21,092,113
72$55,316,559$5,096,399$1,716,343$22,956,059
73$60,829,707$5,216,981$1,644,699$25,003,857
74$66,901,128$5,339,404$1,566,587$27,254,168
75$73,587,638$5,463,629$1,481,662$29,727,561
76$80,951,843$5,589,613$1,389,564$32,446,706
77$89,062,733$5,717,306$1,289,916$35,436,584
78$97,996,328$5,846,650$1,182,325$38,724,729
79$107,836,400$5,977,582$1,066,379$42,341,486
80$118,675,259$6,110,030$941,649$46,320,296
81$130,614,627$6,243,914$807,686$50,698,015
82$143,766,597$6,379,144$664,022$55,515,265
83$158,254,691$6,515,623$510,168$60,816,809
84$174,215,023$6,653,242$345,612$66,651,987
85$191,797,587$6,791,882$169,822$73,075,171
86$211,167,671$6,931,414$0$80,146,287
87$232,507,415$7,071,695$0$87,935,361
88$256,017,533$7,212,570$0$96,552,062
89$281,919,206$7,353,870$0$106,038,651
90$310,456,167$7,495,412$0$116,483,675
91$341,897,007$7,636,998$0$127,984,711
92$376,537,703$7,778,412$0$140,649,292
93$414,704,416$7,919,422$0$154,595,914
94$456,756,571$8,059,778$0$169,955,164
95$503,090,243$8,199,209$0$186,870,948
96$554,141,901$8,337,423$0$205,501,850
97$610,392,526$8,474,108$0$226,022,632
98$672,372,152$8,608,928$0$248,625,882
99$740,664,867$8,741,521$0$273,523,833
100$815,914,328$8,871,500$0$300,950,371