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%12.6%
1 years$153,597$152,229$150,894$149,591$148,319$146,709
2 years$76,038$74,622$73,250$71,919$70,628$69,007
3 years$50,189$48,766$47,397$46,079$44,809$43,228
4 years$37,266$35,848$34,493$33,197$31,958$30,428
5 years$29,515$28,106$26,768$25,499$24,294$22,820
6 years$24,349$22,950$21,633$20,392$19,223$17,807
7 years$20,661$19,274$17,977$16,765$15,634$14,275
8 years$17,896$16,521$15,246$14,064$12,970$11,669
9 years$15,746$14,385$13,131$11,979$10,922$9,680
10 years$14,027$12,679$11,448$10,326$9,306$8,121
11 years$12,622$11,288$10,079$8,987$8,004$6,874
12 years$11,452$10,131$8,945$7,883$6,936$5,861
13 years$10,463$9,156$7,991$6,959$6,048$5,027
14 years$9,615$8,322$7,180$6,178$5,302$4,332
15 years$8,882$7,602$6,483$5,509$4,668$3,749
16 years$8,241$6,975$5,878$4,933$4,126$3,256
17 years$7,675$6,424$5,348$4,432$3,658$2,836
18 years$7,173$5,936$4,882$3,994$3,253$2,476
19 years$6,725$5,501$4,470$3,609$2,899$2,166
20 years$6,322$5,112$4,102$3,269$2,590$1,899
21 years$5,957$4,762$3,773$2,967$2,317$1,667
22 years$5,626$4,445$3,477$2,697$2,077$1,466
23 years$5,325$4,157$3,211$2,457$1,865$1,290
24 years$5,049$3,895$2,969$2,241$1,676$1,137
25 years$4,795$3,655$2,750$2,046$1,508$1,003
26 years$4,562$3,435$2,551$1,871$1,358$885
27 years$4,346$3,233$2,369$1,713$1,225$782
28 years$4,146$3,047$2,202$1,569$1,105$691
29 years$3,959$2,874$2,049$1,439$998$611
30 years$3,786$2,714$1,909$1,321$902$541
31 years$3,624$2,566$1,779$1,213$815$479
32 years$3,473$2,428$1,660$1,115$737$424
33 years$3,331$2,299$1,550$1,025$667$376
34 years$3,198$2,179$1,448$943$604$333
35 years$3,072$2,067$1,354$868$547$295
36 years$2,954$1,962$1,267$800$496$262
37 years$2,843$1,863$1,186$737$449$232
38 years$2,737$1,771$1,110$679$407$206
39 years$2,637$1,684$1,040$626$369$182
40 years$2,543$1,602$975$577$335$162
41 years$2,453$1,525$914$533$304$144
42 years$2,368$1,452$858$492$276$127
43 years$2,287$1,384$805$454$250$113
44 years$2,210$1,319$755$419$227$100
45 years$2,136$1,258$709$387$206$89
46 years$2,066$1,200$666$358$187$79
47 years$2,000$1,145$626$330$170$70
48 years$1,936$1,093$588$305$154$62
49 years$1,874$1,044$553$282$140$55
50 years$1,816$997$520$261$127$49

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 $6,221 every year, while hoping to spend $24,961 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: 77/13/10 Blend
34$1,860,000$1,860,000$1,860,000$1,860,000
35$2,056,137$1,957,557$1,928,727$2,210,434
36$2,239,305$2,026,919$1,966,781$2,382,161
37$2,440,319$2,098,843$2,005,273$2,566,590
38$2,660,973$2,173,429$2,044,192$2,768,094
39$2,903,245$2,250,779$2,083,525$2,988,363
40$3,169,310$2,331,001$2,123,257$3,229,257
41$3,461,566$2,414,206$2,163,372$3,492,824
42$3,782,656$2,500,512$2,203,855$3,781,321
43$4,135,489$2,590,040$2,244,687$4,097,232
44$4,523,271$2,682,914$2,285,846$4,443,292
45$4,949,536$2,779,268$2,327,313$4,822,514
46$5,418,173$2,879,237$2,369,062$5,238,217
47$5,933,470$2,982,963$2,411,070$5,694,055
48$6,500,152$3,090,595$2,453,308$6,194,053
49$7,123,420$3,202,288$2,495,747$6,742,647
50$7,809,011$3,318,201$2,538,356$7,344,719
51$8,563,239$3,438,503$2,581,101$8,005,649
52$9,393,068$3,563,368$2,623,945$8,731,365
53$10,306,164$3,692,976$2,666,851$9,528,394
54$11,310,979$3,827,518$2,709,777$10,403,929
55$12,416,823$3,967,191$2,752,679$11,365,892
56$13,633,955$4,112,199$2,795,510$12,423,012
57$14,973,679$4,262,758$2,838,220$13,584,904
58$16,448,451$4,419,089$2,880,756$14,862,163
59$18,071,993$4,581,425$2,923,062$16,266,460
60$19,859,430$4,750,008$2,965,078$17,810,655
61$21,827,425$4,925,091$3,006,741$19,508,914
62$23,994,338$5,106,937$3,047,983$21,376,847
63$26,380,403$5,295,819$3,088,732$23,431,654
64$29,007,913$5,492,023$3,128,914$25,692,281
65$31,901,436$5,695,848$3,168,449$28,179,608
66$35,088,042$5,907,604$3,207,251$30,916,640
67$38,597,560$6,127,615$3,245,232$33,928,722
68$42,462,861$6,356,218$3,282,297$37,243,783
69$46,720,166$6,593,766$3,318,347$40,892,596
70$51,409,388$6,840,625$3,353,277$44,909,068
71$56,574,510$7,097,179$3,386,975$49,330,561
72$62,263,996$7,363,828$3,419,326$54,198,243
73$68,531,255$7,640,987$3,450,204$59,557,476
74$75,435,139$7,929,091$3,479,482$65,458,245
75$83,040,501$8,228,594$3,507,022$71,955,628
76$91,418,805$8,539,968$3,532,681$79,110,315
77$100,648,804$8,863,707$3,556,306$86,989,184
78$110,817,278$9,200,326$3,577,739$95,665,924
79$122,019,860$9,550,361$3,596,813$105,221,740
80$134,361,931$9,914,373$3,613,351$115,746,111
81$147,959,618$10,292,948$3,627,168$127,337,635
82$162,940,891$10,686,695$3,638,070$140,104,965
83$179,446,770$11,096,251$3,645,854$154,167,827
84$197,632,655$11,522,282$3,650,305$169,658,152
85$217,669,793$11,965,481$3,651,197$186,721,324
86$239,746,895$12,426,572$3,648,295$205,517,545
87$264,071,917$12,906,314$3,641,352$226,223,352
88$290,874,023$13,405,493$3,630,108$249,033,281
89$320,405,748$13,924,936$3,614,290$274,161,703
90$352,945,379$14,465,503$3,593,614$301,844,844
91$388,799,587$15,028,092$3,567,780$332,343,018
92$428,306,318$15,613,642$3,536,474$365,943,082
93$471,837,985$16,223,133$3,499,368$402,961,144
94$519,804,981$16,857,589$3,456,119$443,745,542
95$572,659,556$17,518,077$3,406,366$488,680,138
96$630,900,084$18,205,716$3,349,731$538,187,935
97$695,075,766$18,921,670$3,285,821$592,735,073
98$765,791,820$19,667,157$3,214,222$652,835,226
99$843,715,189$20,443,451$3,134,502$719,054,450
100$929,580,839$21,251,881$3,046,208$792,016,530