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%16.1%
1 years$154,423$153,047$151,705$150,395$149,116$145,394
2 years$76,447$75,023$73,643$72,306$71,008$67,281
3 years$50,458$49,028$47,652$46,327$45,050$41,435
4 years$37,467$36,041$34,679$33,376$32,130$28,655
5 years$29,674$28,257$26,912$25,636$24,425$21,100
6 years$24,480$23,074$21,749$20,501$19,327$16,155
7 years$20,772$19,377$18,073$16,855$15,718$12,699
8 years$17,992$16,610$15,328$14,139$13,039$10,173
9 years$15,831$14,462$13,202$12,044$10,981$8,264
10 years$14,103$12,747$11,510$10,382$9,356$6,786
11 years$12,690$11,348$10,133$9,035$8,047$5,619
12 years$11,514$10,186$8,993$7,925$6,973$4,684
13 years$10,519$9,205$8,034$6,997$6,081$3,925
14 years$9,667$8,367$7,219$6,211$5,330$3,304
15 years$8,930$7,643$6,518$5,539$4,693$2,791
16 years$8,285$7,013$5,909$4,960$4,148$2,365
17 years$7,716$6,458$5,377$4,456$3,678$2,009
18 years$7,212$5,968$4,909$4,016$3,270$1,710
19 years$6,761$5,531$4,494$3,629$2,915$1,458
20 years$6,356$5,140$4,124$3,286$2,604$1,245
21 years$5,989$4,787$3,793$2,983$2,330$1,065
22 years$5,657$4,469$3,496$2,712$2,088$911
23 years$5,354$4,180$3,228$2,470$1,875$781
24 years$5,076$3,916$2,985$2,253$1,685$669
25 years$4,821$3,675$2,765$2,057$1,516$574
26 years$4,586$3,454$2,564$1,881$1,366$493
27 years$4,369$3,251$2,381$1,722$1,231$423
28 years$4,168$3,063$2,214$1,577$1,111$364
29 years$3,981$2,890$2,060$1,447$1,003$313
30 years$3,807$2,729$1,919$1,328$907$269
31 years$3,644$2,580$1,789$1,219$820$231
32 years$3,492$2,441$1,669$1,121$741$199
33 years$3,349$2,312$1,558$1,030$671$171
34 years$3,215$2,191$1,456$948$607$147
35 years$3,089$2,078$1,361$873$550$127
36 years$2,970$1,972$1,274$804$499$109
37 years$2,858$1,873$1,192$741$452$94
38 years$2,752$1,780$1,116$683$410$81
39 years$2,652$1,693$1,046$629$371$70
40 years$2,557$1,611$980$581$337$60
41 years$2,466$1,533$919$536$306$52
42 years$2,381$1,460$862$494$277$44
43 years$2,299$1,391$809$456$252$38
44 years$2,222$1,326$759$421$228$33
45 years$2,148$1,265$713$389$207$28
46 years$2,078$1,206$670$359$188$24
47 years$2,010$1,151$629$332$171$21
48 years$1,946$1,099$591$307$155$18
49 years$1,885$1,049$556$284$141$16
50 years$1,826$1,002$523$262$128$13

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 $6,028 every year, while hoping to spend $53,265 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: 28/47/25 Blend
34$1,870,000$1,870,000$1,870,000$1,870,000
35$2,066,958$1,967,848$1,938,863$2,108,569
36$2,221,114$2,007,599$1,947,141$2,181,644
37$2,389,209$2,047,512$1,953,912$2,255,047
38$2,572,608$2,087,540$1,959,068$2,332,814
39$2,772,814$2,127,630$1,962,497$2,415,355
40$2,991,482$2,167,725$1,964,081$2,503,122
41$3,230,434$2,207,764$1,963,698$2,596,615
42$3,491,673$2,247,679$1,961,217$2,696,387
43$3,777,409$2,287,401$1,956,503$2,803,048
44$4,090,072$2,326,850$1,949,413$2,917,275
45$4,432,338$2,365,945$1,939,797$3,039,812
46$4,807,155$2,404,595$1,927,499$3,171,485
47$5,217,770$2,442,705$1,912,355$3,313,207
48$5,667,756$2,480,171$1,894,193$3,465,984
49$6,161,051$2,516,883$1,872,832$3,630,932
50$6,701,990$2,552,722$1,848,083$3,809,279
51$7,295,349$2,587,562$1,819,750$4,002,388
52$7,946,387$2,621,265$1,787,625$4,211,759
53$8,660,900$2,653,688$1,751,491$4,439,054
54$9,445,268$2,684,675$1,711,123$4,686,108
55$10,306,522$2,714,061$1,666,282$4,954,946
56$11,252,405$2,741,668$1,616,721$5,247,806
57$12,291,449$2,767,309$1,562,180$5,567,162
58$13,433,052$2,790,782$1,502,387$5,915,744
59$14,687,566$2,811,873$1,437,060$6,296,569
60$16,066,397$2,830,354$1,365,901$6,712,966
61$17,582,111$2,845,983$1,288,600$7,168,613
62$19,248,552$2,858,501$1,204,834$7,667,571
63$21,080,971$2,867,635$1,114,263$8,214,323
64$23,096,173$2,873,091$1,016,533$8,813,821
65$25,312,670$2,874,561$911,275$9,471,527
66$27,750,863$2,871,714$798,102$10,193,474
67$30,433,224$2,864,201$676,612$10,986,321
68$33,384,517$2,851,651$546,383$11,857,416
69$36,632,025$2,833,670$406,974$12,814,871
70$40,205,812$2,809,840$257,928$13,867,638
71$44,139,000$2,779,718$98,764$15,025,595
72$48,468,088$2,742,834$0$16,299,643
73$53,233,290$2,698,690$0$17,720,774
74$58,478,919$2,646,759$0$19,312,646
75$64,253,801$2,586,482$0$21,063,675
76$70,611,737$2,517,268$0$22,990,167
77$77,612,009$2,438,489$0$25,110,106
78$85,319,943$2,349,484$0$27,443,321
79$93,807,518$2,249,550$0$30,011,673
80$103,154,052$2,137,944$0$32,839,271
81$113,446,944$2,013,883$0$35,952,693
82$124,782,504$1,876,534$0$39,381,246
83$137,266,855$1,725,020$0$43,157,242
84$151,016,942$1,558,414$0$47,316,305
85$166,161,626$1,375,732$0$51,897,712
86$182,842,909$1,175,940$0$56,944,766
87$201,217,265$957,941$0$62,505,207
88$221,457,124$720,577$0$68,631,668
89$243,752,492$462,628$0$75,382,173
90$268,312,751$182,801$0$82,820,691
91$295,368,628$0$0$91,017,740
92$325,174,375$0$0$100,113,263
93$358,010,170$0$0$110,238,066
94$394,184,758$0$0$121,392,866
95$434,038,367$0$0$133,682,637
96$477,945,918$0$0$147,223,057
97$526,320,561$0$0$162,141,601
98$579,617,578$0$0$178,578,743
99$638,338,680$0$0$196,689,282
100$703,036,738$0$0$216,643,805