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

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 $1,870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$154,423$153,047$151,705$150,395$149,116$145,748
2 years$76,447$75,023$73,643$72,306$71,008$67,633
3 years$50,458$49,028$47,652$46,327$45,050$41,773
4 years$37,467$36,041$34,679$33,376$32,130$28,977
5 years$29,674$28,257$26,912$25,636$24,425$21,404
6 years$24,480$23,074$21,749$20,501$19,327$16,441
7 years$20,772$19,377$18,073$16,855$15,718$12,968
8 years$17,992$16,610$15,328$14,139$13,039$10,425
9 years$15,831$14,462$13,202$12,044$10,981$8,499
10 years$14,103$12,747$11,510$10,382$9,356$7,005
11 years$12,690$11,348$10,133$9,035$8,047$5,823
12 years$11,514$10,186$8,993$7,925$6,973$4,873
13 years$10,519$9,205$8,034$6,997$6,081$4,100
14 years$9,667$8,367$7,219$6,211$5,330$3,466
15 years$8,930$7,643$6,518$5,539$4,693$2,940
16 years$8,285$7,013$5,909$4,960$4,148$2,502
17 years$7,716$6,458$5,377$4,456$3,678$2,134
18 years$7,212$5,968$4,909$4,016$3,270$1,825
19 years$6,761$5,531$4,494$3,629$2,915$1,563
20 years$6,356$5,140$4,124$3,286$2,604$1,341
21 years$5,989$4,787$3,793$2,983$2,330$1,152
22 years$5,657$4,469$3,496$2,712$2,088$990
23 years$5,354$4,180$3,228$2,470$1,875$852
24 years$5,076$3,916$2,985$2,253$1,685$734
25 years$4,821$3,675$2,765$2,057$1,516$633
26 years$4,586$3,454$2,564$1,881$1,366$546
27 years$4,369$3,251$2,381$1,722$1,231$471
28 years$4,168$3,063$2,214$1,577$1,111$407
29 years$3,981$2,890$2,060$1,447$1,003$351
30 years$3,807$2,729$1,919$1,328$907$304
31 years$3,644$2,580$1,789$1,219$820$262
32 years$3,492$2,441$1,669$1,121$741$227
33 years$3,349$2,312$1,558$1,030$671$196
34 years$3,215$2,191$1,456$948$607$170
35 years$3,089$2,078$1,361$873$550$147
36 years$2,970$1,972$1,274$804$499$127
37 years$2,858$1,873$1,192$741$452$110
38 years$2,752$1,780$1,116$683$410$95
39 years$2,652$1,693$1,046$629$371$82
40 years$2,557$1,611$980$581$337$71
41 years$2,466$1,533$919$536$306$62
42 years$2,381$1,460$862$494$277$53
43 years$2,299$1,391$809$456$252$46
44 years$2,222$1,326$759$421$228$40
45 years$2,148$1,265$713$389$207$35
46 years$2,078$1,206$670$359$188$30
47 years$2,010$1,151$629$332$171$26
48 years$1,946$1,099$591$307$155$22
49 years$1,885$1,049$556$284$141$19
50 years$1,826$1,002$523$262$128$17

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 $5,986 every year, while hoping to spend $36,040 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: 58/27/15 Blend
34$1,870,000$1,870,000$1,870,000$1,870,000
35$2,066,915$1,967,805$1,938,820$2,178,518
36$2,239,394$2,025,881$1,965,424$2,312,779
37$2,428,258$2,085,595$1,991,711$2,454,575
38$2,635,140$2,146,989$2,017,633$2,608,310
39$2,861,839$2,210,106$2,043,139$2,775,137
40$3,110,335$2,274,990$2,068,173$2,956,326
41$3,382,811$2,341,686$2,092,678$3,153,277
42$3,681,668$2,410,240$2,116,594$3,367,528
43$4,009,555$2,480,697$2,139,856$3,600,774
44$4,369,384$2,553,107$2,162,396$3,854,882
45$4,764,369$2,627,516$2,184,144$4,131,907
46$5,198,045$2,703,975$2,205,023$4,434,111
47$5,674,309$2,782,533$2,224,954$4,763,987
48$6,197,452$2,863,241$2,243,855$5,124,280
49$6,772,204$2,946,152$2,261,636$5,518,013
50$7,403,773$3,031,317$2,278,204$5,948,517
51$8,097,897$3,118,791$2,293,463$6,419,458
52$8,860,899$3,208,628$2,307,310$6,934,878
53$9,699,742$3,300,882$2,319,637$7,499,227
54$10,622,101$3,395,611$2,330,330$8,117,409
55$11,636,430$3,492,870$2,339,271$8,794,823
56$12,752,043$3,592,718$2,346,333$9,537,421
57$13,979,202$3,695,212$2,351,387$10,351,759
58$15,329,215$3,800,412$2,354,292$11,245,059
59$16,814,539$3,908,376$2,354,905$12,225,278
60$18,448,902$4,019,166$2,353,074$13,301,183
61$20,247,426$4,132,842$2,348,639$14,482,433
62$22,226,777$4,249,465$2,341,432$15,779,672
63$24,405,317$4,369,097$2,331,278$17,204,626
64$26,803,277$4,491,800$2,317,994$18,770,217
65$29,442,951$4,617,638$2,301,386$20,490,679
66$32,348,902$4,746,672$2,281,252$22,381,702
67$35,548,197$4,878,966$2,257,381$24,460,570
68$39,070,661$5,014,584$2,229,552$26,746,329
69$42,949,158$5,153,587$2,197,531$29,259,968
70$47,219,900$5,296,041$2,161,076$32,024,611
71$51,922,790$5,442,008$2,119,933$35,065,743
72$57,101,799$5,591,550$2,073,835$38,411,444
73$62,805,378$5,744,731$2,022,503$42,092,656
74$69,086,916$5,901,613$1,965,647$46,143,478
75$76,005,246$6,062,256$1,902,960$50,601,483
76$83,625,196$6,226,723$1,834,125$55,508,074
77$92,018,206$6,395,071$1,758,808$60,908,879
78$101,262,994$6,567,361$1,676,659$66,854,173
79$111,446,307$6,743,649$1,587,314$73,399,363
80$122,663,734$6,923,992$1,490,393$80,605,502
81$135,020,610$7,108,443$1,385,497$88,539,870
82$148,633,012$7,297,056$1,272,210$97,276,608
83$163,628,847$7,489,880$1,150,098$106,897,419
84$180,149,069$7,686,963$1,018,705$117,492,336
85$198,349,000$7,888,351$877,559$129,160,577
86$218,399,804$8,094,086$726,163$142,011,476
87$240,490,095$8,304,207$564,000$156,165,521
88$264,827,721$8,518,749$390,530$171,755,485
89$291,641,725$8,737,744$205,189$188,927,687
90$321,184,507$8,961,220$7,390$207,843,366
91$353,734,206$9,189,199$0$228,680,211
92$389,597,324$9,421,699$0$251,666,632
93$429,111,620$9,658,731$0$276,989,192
94$472,649,299$9,900,302$0$304,884,606
95$520,620,522$10,146,412$0$335,615,032
96$573,477,281$10,397,052$0$369,469,362
97$631,717,663$10,652,207$0$406,765,950
98$695,890,554$10,911,855$0$447,855,614
99$766,600,818$11,175,962$0$493,124,947
100$844,515,005$11,444,488$0$542,999,972