Can I retire at age 35 with 1,870,000?

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$154,423$153,047$151,705$150,395$149,116$143,427
2 years$76,447$75,023$73,643$72,306$71,008$65,342
3 years$50,458$49,028$47,652$46,327$45,050$39,588
4 years$37,467$36,041$34,679$33,376$32,130$26,912
5 years$29,674$28,257$26,912$25,636$24,425$19,464
6 years$24,480$23,074$21,749$20,501$19,327$14,627
7 years$20,772$19,377$18,073$16,855$15,718$11,278
8 years$17,992$16,610$15,328$14,139$13,039$8,855
9 years$15,831$14,462$13,202$12,044$10,981$7,046
10 years$14,103$12,747$11,510$10,382$9,356$5,663
11 years$12,690$11,348$10,133$9,035$8,047$4,588
12 years$11,514$10,186$8,993$7,925$6,973$3,739
13 years$10,519$9,205$8,034$6,997$6,081$3,062
14 years$9,667$8,367$7,219$6,211$5,330$2,517
15 years$8,930$7,643$6,518$5,539$4,693$2,076
16 years$8,285$7,013$5,909$4,960$4,148$1,717
17 years$7,716$6,458$5,377$4,456$3,678$1,422
18 years$7,212$5,968$4,909$4,016$3,270$1,180
19 years$6,761$5,531$4,494$3,629$2,915$981
20 years$6,356$5,140$4,124$3,286$2,604$816
21 years$5,989$4,787$3,793$2,983$2,330$680
22 years$5,657$4,469$3,496$2,712$2,088$567
23 years$5,354$4,180$3,228$2,470$1,875$473
24 years$5,076$3,916$2,985$2,253$1,685$394
25 years$4,821$3,675$2,765$2,057$1,516$329
26 years$4,586$3,454$2,564$1,881$1,366$275
27 years$4,369$3,251$2,381$1,722$1,231$230
28 years$4,168$3,063$2,214$1,577$1,111$192
29 years$3,981$2,890$2,060$1,447$1,003$161
30 years$3,807$2,729$1,919$1,328$907$134
31 years$3,644$2,580$1,789$1,219$820$112
32 years$3,492$2,441$1,669$1,121$741$94
33 years$3,349$2,312$1,558$1,030$671$78
34 years$3,215$2,191$1,456$948$607$66
35 years$3,089$2,078$1,361$873$550$55
36 years$2,970$1,972$1,274$804$499$46
37 years$2,858$1,873$1,192$741$452$38
38 years$2,752$1,780$1,116$683$410$32
39 years$2,652$1,693$1,046$629$371$27
40 years$2,557$1,611$980$581$337$23
41 years$2,466$1,533$919$536$306$19
42 years$2,381$1,460$862$494$277$16
43 years$2,299$1,391$809$456$252$13
44 years$2,222$1,326$759$421$228$11
45 years$2,148$1,265$713$389$207$9
46 years$2,078$1,206$670$359$188$8
47 years$2,010$1,151$629$332$171$6
48 years$1,946$1,099$591$307$155$5
49 years$1,885$1,049$556$284$141$5
50 years$1,826$1,002$523$262$128$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,870,000, adding $6,802 every year, while hoping to spend $30,826 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: 50/36/14 Blend
34$1,870,000$1,870,000$1,870,000$1,870,000
35$2,067,756$1,968,646$1,939,661$2,162,908
36$2,245,869$2,032,311$1,971,841$2,292,667
37$2,441,116$2,098,063$2,004,066$2,429,816
38$2,655,212$2,165,970$2,036,305$2,578,171
39$2,890,047$2,236,106$2,068,524$2,738,793
40$3,147,701$2,308,545$2,100,689$2,912,854
41$3,430,466$2,383,363$2,132,762$3,101,638
42$3,740,867$2,460,641$2,164,703$3,306,562
43$4,081,684$2,540,461$2,196,469$3,529,183
44$4,455,981$2,622,909$2,228,016$3,771,215
45$4,867,132$2,708,073$2,259,296$4,034,544
46$5,318,855$2,796,044$2,290,257$4,321,244
47$5,815,245$2,886,916$2,320,847$4,633,601
48$6,360,813$2,980,788$2,351,009$4,974,130
49$6,960,530$3,077,761$2,380,682$5,345,598
50$7,619,872$3,177,939$2,409,803$5,751,054
51$8,344,872$3,281,432$2,438,304$6,193,852
52$9,142,177$3,388,350$2,466,116$6,677,689
53$10,019,110$3,498,810$2,493,162$7,206,631
54$10,983,740$3,612,932$2,519,363$7,785,158
55$12,044,956$3,730,841$2,544,637$8,418,205
56$13,212,554$3,852,665$2,568,895$9,111,203
57$14,497,326$3,978,537$2,592,044$9,870,137
58$15,911,164$4,108,595$2,613,987$10,701,597
59$17,467,168$4,242,982$2,634,622$11,612,841
60$19,179,777$4,381,845$2,653,839$12,611,864
61$21,064,896$4,525,338$2,671,525$13,707,472
62$23,140,055$4,673,619$2,687,560$14,909,366
63$25,424,566$4,826,851$2,701,819$16,228,231
64$27,939,710$4,985,205$2,714,168$17,675,838
65$30,708,936$5,148,857$2,724,469$19,265,154
66$33,758,084$5,317,987$2,732,575$21,010,464
67$37,115,626$5,492,785$2,738,333$22,927,505
68$40,812,934$5,673,447$2,741,582$25,033,615
69$44,884,581$5,860,173$2,742,153$27,347,895
70$49,368,661$6,053,174$2,739,867$29,891,388
71$54,307,151$6,252,666$2,734,539$32,687,279
72$59,746,308$6,458,874$2,725,974$35,761,112
73$65,737,103$6,672,031$2,713,966$39,141,031
74$72,335,705$6,892,378$2,698,301$42,858,044
75$79,604,007$7,120,165$2,678,755$46,946,318
76$87,610,213$7,355,650$2,655,090$51,443,496
77$96,429,479$7,599,101$2,627,060$56,391,055
78$106,144,626$7,850,797$2,594,406$61,834,697
79$116,846,917$8,111,025$2,556,858$67,824,777
80$128,636,921$8,380,084$2,514,132$74,416,783
81$141,625,462$8,658,283$2,465,930$81,671,850
82$155,934,662$8,945,942$2,411,942$89,657,345
83$171,699,098$9,243,394$2,351,842$98,447,499
84$189,067,068$9,550,982$2,285,291$108,124,104
85$208,201,993$9,869,064$2,211,932$118,777,290
86$229,283,958$10,198,010$2,131,394$130,506,369
87$252,511,413$10,538,203$2,043,286$143,420,775
88$278,103,043$10,890,041$1,947,202$157,641,097
89$306,299,836$11,253,936$1,842,716$173,300,214
90$337,367,356$11,630,316$1,729,384$190,544,548
91$371,598,249$12,019,624$1,606,741$209,535,447
92$409,315,005$12,422,320$1,474,302$230,450,708
93$450,873,003$12,838,881$1,331,558$253,486,252
94$496,663,864$13,269,801$1,177,980$278,857,972
95$547,119,150$13,715,593$1,013,014$306,803,772
96$602,714,436$14,176,790$836,083$337,585,813
97$663,973,799$14,653,943$646,581$371,492,982
98$731,474,765$15,147,625$443,881$408,843,622
99$805,853,762$15,658,429$227,322$449,988,534
100$887,812,127$16,186,974$0$495,314,289