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%18.7%
1 years$154,423$153,047$151,705$150,395$149,116$143,883
2 years$76,447$75,023$73,643$72,306$71,008$65,790
3 years$50,458$49,028$47,652$46,327$45,050$40,012
4 years$37,467$36,041$34,679$33,376$32,130$27,310
5 years$29,674$28,257$26,912$25,636$24,425$19,836
6 years$24,480$23,074$21,749$20,501$19,327$14,972
7 years$20,772$19,377$18,073$16,855$15,718$11,597
8 years$17,992$16,610$15,328$14,139$13,039$9,149
9 years$15,831$14,462$13,202$12,044$10,981$7,315
10 years$14,103$12,747$11,510$10,382$9,356$5,910
11 years$12,690$11,348$10,133$9,035$8,047$4,812
12 years$11,514$10,186$8,993$7,925$6,973$3,943
13 years$10,519$9,205$8,034$6,997$6,081$3,247
14 years$9,667$8,367$7,219$6,211$5,330$2,684
15 years$8,930$7,643$6,518$5,539$4,693$2,226
16 years$8,285$7,013$5,909$4,960$4,148$1,852
17 years$7,716$6,458$5,377$4,456$3,678$1,543
18 years$7,212$5,968$4,909$4,016$3,270$1,288
19 years$6,761$5,531$4,494$3,629$2,915$1,077
20 years$6,356$5,140$4,124$3,286$2,604$902
21 years$5,989$4,787$3,793$2,983$2,330$756
22 years$5,657$4,469$3,496$2,712$2,088$634
23 years$5,354$4,180$3,228$2,470$1,875$532
24 years$5,076$3,916$2,985$2,253$1,685$447
25 years$4,821$3,675$2,765$2,057$1,516$375
26 years$4,586$3,454$2,564$1,881$1,366$316
27 years$4,369$3,251$2,381$1,722$1,231$265
28 years$4,168$3,063$2,214$1,577$1,111$223
29 years$3,981$2,890$2,060$1,447$1,003$188
30 years$3,807$2,729$1,919$1,328$907$158
31 years$3,644$2,580$1,789$1,219$820$133
32 years$3,492$2,441$1,669$1,121$741$112
33 years$3,349$2,312$1,558$1,030$671$94
34 years$3,215$2,191$1,456$948$607$79
35 years$3,089$2,078$1,361$873$550$67
36 years$2,970$1,972$1,274$804$499$56
37 years$2,858$1,873$1,192$741$452$47
38 years$2,752$1,780$1,116$683$410$40
39 years$2,652$1,693$1,046$629$371$34
40 years$2,557$1,611$980$581$337$28
41 years$2,466$1,533$919$536$306$24
42 years$2,381$1,460$862$494$277$20
43 years$2,299$1,391$809$456$252$17
44 years$2,222$1,326$759$421$228$14
45 years$2,148$1,265$713$389$207$12
46 years$2,078$1,206$670$359$188$10
47 years$2,010$1,151$629$332$171$9
48 years$1,946$1,099$591$307$155$7
49 years$1,885$1,049$556$284$141$6
50 years$1,826$1,002$523$262$128$5

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 $5,307 every year, while hoping to spend $41,715 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: 53/25/22 Blend
34$1,870,000$1,870,000$1,870,000$1,870,000
35$2,066,214$1,967,104$1,938,119$2,162,933
36$2,232,584$2,019,108$1,958,662$2,282,085
37$2,414,525$2,072,262$1,978,494$2,406,901
38$2,613,581$2,126,578$1,997,549$2,541,846
39$2,831,454$2,182,068$2,015,755$2,687,898
40$3,070,016$2,238,742$2,033,036$2,846,137
41$3,331,328$2,296,611$2,049,313$3,017,753
42$3,617,662$2,355,683$2,064,503$3,204,054
43$3,931,517$2,415,965$2,078,518$3,406,484
44$4,275,648$2,477,464$2,091,265$3,626,632
45$4,653,089$2,540,185$2,102,647$3,866,249
46$5,067,181$2,604,131$2,112,562$4,127,264
47$5,521,604$2,669,303$2,120,903$4,411,802
48$6,020,411$2,735,703$2,127,557$4,722,207
49$6,568,068$2,803,327$2,132,406$5,061,058
50$7,169,494$2,872,173$2,135,324$5,431,199
51$7,830,106$2,942,234$2,136,182$5,835,764
52$8,555,875$3,013,502$2,134,842$6,278,206
53$9,353,376$3,085,965$2,131,161$6,762,330
54$10,229,854$3,159,610$2,124,988$7,292,330
55$11,193,289$3,234,421$2,116,165$7,872,827
56$12,252,473$3,310,377$2,104,525$8,508,913
57$13,417,095$3,387,455$2,089,897$9,206,201
58$14,697,827$3,465,628$2,072,096$9,970,876
59$16,106,427$3,544,866$2,050,933$10,809,756
60$17,655,852$3,625,133$2,026,208$11,730,351
61$19,360,374$3,706,390$1,997,712$12,740,942
62$21,235,722$3,788,593$1,965,225$13,850,652
63$23,299,224$3,871,693$1,928,519$15,069,539
64$25,569,974$3,955,634$1,887,352$16,408,684
65$28,069,007$4,040,357$1,841,475$17,880,303
66$30,819,506$4,125,794$1,790,624$19,497,856
67$33,847,010$4,211,873$1,734,525$21,276,181
68$37,179,663$4,298,513$1,672,890$23,231,627
69$40,848,475$4,385,626$1,605,418$25,382,215
70$44,887,615$4,473,117$1,531,795$27,747,807
71$49,334,735$4,560,882$1,451,692$30,350,291
72$54,231,320$4,648,808$1,364,767$33,213,790
73$59,623,087$4,736,772$1,270,659$36,364,891
74$65,560,410$4,824,642$1,168,994$39,832,897
75$72,098,797$4,912,274$1,059,380$43,650,100
76$79,299,412$4,999,514$941,407$47,852,092
77$87,229,657$5,086,194$814,649$52,478,098
78$95,963,800$5,172,136$678,658$57,571,346
79$105,583,682$5,257,145$532,967$63,179,482
80$116,179,486$5,341,014$377,091$69,355,012
81$127,850,591$5,423,521$210,520$76,155,804
82$140,706,503$5,504,425$32,724$83,645,636
83$154,867,895$5,583,471$0$91,894,793
84$170,467,743$5,660,384$0$101,017,598
85$187,652,580$5,734,870$0$111,073,156
86$206,583,881$5,806,616$0$122,148,005
87$227,439,582$5,875,285$0$134,345,981
88$250,415,765$5,940,520$0$147,781,513
89$275,728,505$6,001,938$0$162,580,701
90$303,615,911$6,059,131$0$178,882,506
91$334,340,369$6,111,663$0$196,840,063
92$368,191,024$6,159,073$0$216,622,127
93$405,486,506$6,200,865$0$238,414,666
94$446,577,938$6,236,515$0$262,422,618
95$491,852,247$6,265,464$0$288,871,825
96$541,735,822$6,287,117$0$318,011,165
97$596,698,533$6,300,843$0$350,114,904
98$657,258,168$6,305,969$0$385,485,284
99$723,985,323$6,301,783$0$424,455,378
100$797,508,782$6,287,526$0$467,392,234