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%14.8%
1 years$153,597$152,229$150,894$149,591$148,319$145,384
2 years$76,038$74,622$73,250$71,919$70,628$67,683
3 years$50,189$48,766$47,397$46,079$44,809$41,947
4 years$37,266$35,848$34,493$33,197$31,958$29,200
5 years$29,515$28,106$26,768$25,499$24,294$21,648
6 years$24,349$22,950$21,633$20,392$19,223$16,692
7 years$20,661$19,274$17,977$16,765$15,634$13,218
8 years$17,896$16,521$15,246$14,064$12,970$10,669
9 years$15,746$14,385$13,131$11,979$10,922$8,735
10 years$14,027$12,679$11,448$10,326$9,306$7,231
11 years$12,622$11,288$10,079$8,987$8,004$6,037
12 years$11,452$10,131$8,945$7,883$6,936$5,075
13 years$10,463$9,156$7,991$6,959$6,048$4,290
14 years$9,615$8,322$7,180$6,178$5,302$3,644
15 years$8,882$7,602$6,483$5,509$4,668$3,106
16 years$8,241$6,975$5,878$4,933$4,126$2,656
17 years$7,675$6,424$5,348$4,432$3,658$2,278
18 years$7,173$5,936$4,882$3,994$3,253$1,957
19 years$6,725$5,501$4,470$3,609$2,899$1,685
20 years$6,322$5,112$4,102$3,269$2,590$1,453
21 years$5,957$4,762$3,773$2,967$2,317$1,255
22 years$5,626$4,445$3,477$2,697$2,077$1,085
23 years$5,325$4,157$3,211$2,457$1,865$939
24 years$5,049$3,895$2,969$2,241$1,676$813
25 years$4,795$3,655$2,750$2,046$1,508$705
26 years$4,562$3,435$2,551$1,871$1,358$612
27 years$4,346$3,233$2,369$1,713$1,225$531
28 years$4,146$3,047$2,202$1,569$1,105$461
29 years$3,959$2,874$2,049$1,439$998$400
30 years$3,786$2,714$1,909$1,321$902$348
31 years$3,624$2,566$1,779$1,213$815$302
32 years$3,473$2,428$1,660$1,115$737$263
33 years$3,331$2,299$1,550$1,025$667$229
34 years$3,198$2,179$1,448$943$604$199
35 years$3,072$2,067$1,354$868$547$173
36 years$2,954$1,962$1,267$800$496$151
37 years$2,843$1,863$1,186$737$449$131
38 years$2,737$1,771$1,110$679$407$114
39 years$2,637$1,684$1,040$626$369$99
40 years$2,543$1,602$975$577$335$86
41 years$2,453$1,525$914$533$304$75
42 years$2,368$1,452$858$492$276$66
43 years$2,287$1,384$805$454$250$57
44 years$2,210$1,319$755$419$227$50
45 years$2,136$1,258$709$387$206$43
46 years$2,066$1,200$666$358$187$38
47 years$2,000$1,145$626$330$170$33
48 years$1,936$1,093$588$305$154$29
49 years$1,874$1,044$553$282$140$25
50 years$1,816$997$520$261$127$22

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 $6,486 every year, while hoping to spend $53,875 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: 69/18/13 Blend
34$1,860,000$1,860,000$1,860,000$1,860,000
35$2,056,410$1,957,830$1,929,000$2,191,943
36$2,208,842$1,996,441$1,936,299$2,321,468
37$2,375,015$2,035,139$1,942,037$2,456,052
38$2,556,276$2,073,870$1,946,104$2,601,894
39$2,754,104$2,112,577$1,948,387$2,760,095
40$2,970,129$2,151,200$1,948,764$2,931,865
41$3,206,144$2,189,671$1,947,110$3,118,539
42$3,464,125$2,227,918$1,943,292$3,321,587
43$3,746,244$2,265,865$1,937,171$3,542,629
44$4,054,896$2,303,428$1,928,601$3,783,450
45$4,392,716$2,340,517$1,917,430$4,046,018
46$4,762,607$2,377,036$1,903,498$4,332,499
47$5,167,765$2,412,882$1,886,637$4,645,282
48$5,611,709$2,447,945$1,866,671$4,986,998
49$6,098,315$2,482,107$1,843,417$5,360,549
50$6,631,854$2,515,240$1,816,681$5,769,130
51$7,217,025$2,547,209$1,786,262$6,216,265
52$7,859,009$2,577,870$1,751,949$6,705,836
53$8,563,509$2,607,067$1,713,521$7,242,122
54$9,336,809$2,634,635$1,670,746$7,829,838
55$10,185,830$2,660,398$1,623,382$8,474,181
56$11,118,196$2,684,170$1,571,177$9,180,880
57$12,142,306$2,705,748$1,513,866$9,956,248
58$13,267,412$2,724,920$1,451,171$10,807,242
59$14,503,706$2,741,459$1,382,803$11,741,531
60$15,862,417$2,755,124$1,308,461$12,767,568
61$17,355,916$2,765,658$1,227,826$13,894,668
62$18,997,831$2,772,786$1,140,570$15,133,097
63$20,803,178$2,776,220$1,046,347$16,494,173
64$22,788,497$2,775,651$944,795$17,990,368
65$24,972,017$2,770,751$835,538$19,635,428
66$27,373,817$2,761,171$718,183$21,444,503
67$30,016,022$2,746,545$592,318$23,434,293
68$32,923,009$2,726,478$457,513$25,623,202
69$36,121,638$2,700,558$313,322$28,031,515
70$39,641,502$2,668,342$159,275$30,681,589
71$43,515,209$2,629,364$0$33,598,065
72$47,778,687$2,583,131$0$36,808,811
73$52,471,526$2,529,117$0$40,366,673
74$57,637,346$2,466,767$0$44,282,597
75$63,324,212$2,395,496$0$48,593,021
76$69,585,085$2,314,679$0$53,338,096
77$76,478,325$2,223,659$0$58,562,074
78$84,068,235$2,121,739$0$64,313,718
79$92,425,673$2,008,182$0$70,646,768
80$101,628,718$1,882,210$0$77,620,445
81$111,763,405$1,742,996$0$85,300,014
82$122,924,541$1,589,671$0$93,757,397
83$135,216,592$1,421,313$0$103,071,855
84$148,754,676$1,236,949$0$113,330,737
85$163,665,642$1,035,549$0$124,630,303
86$180,089,274$816,027$0$137,076,635
87$198,179,604$577,236$0$150,786,639
88$218,106,365$317,962$0$165,889,148
89$240,056,598$36,926$0$182,526,140
90$264,236,411$0$0$200,854,082
91$290,872,928$0$0$221,098,333
92$320,216,427$0$0$243,408,161
93$352,542,710$0$0$267,985,963
94$388,155,695$0$0$295,062,830
95$427,390,295$0$0$324,893,421
96$470,615,569$0$0$357,758,358
97$518,238,213$0$0$393,966,882
98$570,706,391$0$0$433,859,766
99$628,513,972$0$0$477,812,535
100$692,205,185$0$0$526,239,006