Can I retire at age 35 with 1,880,000?

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 $1,880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$155,249$153,866$152,517$151,200$149,914$147,007
2 years$76,856$75,424$74,037$72,692$71,388$68,471
3 years$50,728$49,291$47,907$46,575$45,291$42,456
4 years$37,667$36,234$34,864$33,554$32,302$29,569
5 years$29,832$28,408$27,056$25,773$24,556$21,933
6 years$24,611$23,197$21,865$20,611$19,430$16,921
7 years$20,883$19,481$18,170$16,945$15,802$13,407
8 years$18,088$16,699$15,410$14,215$13,109$10,828
9 years$15,915$14,539$13,272$12,108$11,040$8,871
10 years$14,178$12,816$11,571$10,437$9,406$7,347
11 years$12,758$11,409$10,187$9,084$8,090$6,138
12 years$11,575$10,240$9,041$7,967$7,010$5,164
13 years$10,575$9,254$8,077$7,034$6,113$4,368
14 years$9,719$8,412$7,257$6,244$5,359$3,712
15 years$8,977$7,684$6,553$5,569$4,718$3,167
16 years$8,329$7,050$5,941$4,986$4,170$2,710
17 years$7,758$6,493$5,406$4,480$3,697$2,325
18 years$7,250$6,000$4,935$4,037$3,288$2,000
19 years$6,797$5,560$4,518$3,648$2,930$1,723
20 years$6,390$5,167$4,146$3,304$2,617$1,487
21 years$6,021$4,813$3,814$2,999$2,342$1,285
22 years$5,687$4,493$3,515$2,726$2,100$1,112
23 years$5,382$4,202$3,245$2,483$1,885$963
24 years$5,103$3,937$3,001$2,265$1,694$835
25 years$4,847$3,695$2,780$2,068$1,524$724
26 years$4,611$3,472$2,578$1,891$1,373$629
27 years$4,392$3,268$2,394$1,731$1,238$546
28 years$4,190$3,079$2,226$1,586$1,117$475
29 years$4,002$2,905$2,071$1,454$1,009$413
30 years$3,827$2,743$1,929$1,335$911$359
31 years$3,663$2,593$1,799$1,226$824$312
32 years$3,510$2,454$1,678$1,127$745$272
33 years$3,367$2,324$1,567$1,036$675$236
34 years$3,232$2,203$1,464$953$611$206
35 years$3,105$2,089$1,369$877$553$179
36 years$2,986$1,983$1,280$808$501$156
37 years$2,873$1,883$1,198$745$454$136
38 years$2,767$1,790$1,122$686$412$118
39 years$2,666$1,702$1,051$633$373$103
40 years$2,570$1,619$985$584$339$90
41 years$2,480$1,541$924$538$307$78
42 years$2,394$1,468$867$497$279$68
43 years$2,312$1,399$813$459$253$60
44 years$2,234$1,333$764$424$230$52
45 years$2,159$1,271$717$391$209$45
46 years$2,089$1,213$673$361$189$39
47 years$2,021$1,157$633$334$172$34
48 years$1,956$1,105$594$308$156$30
49 years$1,895$1,055$559$285$142$26
50 years$1,836$1,008$525$264$129$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,880,000, adding $6,642 every year, while hoping to spend $25,385 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: 47/24/29 Blend
34$1,880,000$1,880,000$1,880,000$1,880,000
35$2,078,611$1,978,971$1,949,831$2,158,740
36$2,263,620$2,048,931$1,988,141$2,286,009
37$2,466,649$2,121,469$2,026,884$2,421,099
38$2,689,510$2,196,683$2,066,046$2,567,261
39$2,934,196$2,274,677$2,105,616$2,725,553
40$3,202,908$2,355,560$2,145,577$2,897,134
41$3,498,064$2,439,442$2,185,914$3,083,282
42$3,822,333$2,526,441$2,226,609$3,285,402
43$4,178,653$2,616,678$2,267,642$3,505,042
44$4,570,260$2,710,280$2,308,992$3,743,903
45$5,000,721$2,807,378$2,350,638$4,003,859
46$5,473,964$2,908,109$2,392,553$4,286,971
47$5,994,317$3,012,616$2,434,713$4,595,510
48$6,566,550$3,121,047$2,477,089$4,931,975
49$7,195,917$3,233,556$2,519,650$5,299,116
50$7,888,205$3,350,305$2,562,363$5,699,963
51$8,649,794$3,471,462$2,605,193$6,137,850
52$9,487,709$3,597,200$2,648,104$6,616,451
53$10,409,695$3,727,702$2,691,055$7,139,810
54$11,424,282$3,863,158$2,734,003$7,712,379
55$12,540,869$4,003,763$2,776,903$8,339,065
56$13,769,815$4,149,725$2,819,707$9,025,267
57$15,122,532$4,301,257$2,862,362$9,776,937
58$16,611,593$4,458,582$2,904,815$10,600,627
59$18,250,856$4,621,932$2,947,006$11,503,554
60$20,055,587$4,791,551$2,988,875$12,493,669
61$22,042,610$4,967,690$3,030,355$13,579,729
62$24,230,462$5,150,612$3,071,377$14,771,381
63$26,639,569$5,340,592$3,111,868$16,079,251
64$29,292,439$5,537,916$3,151,750$17,515,046
65$32,213,875$5,742,880$3,190,941$19,091,663
66$35,431,205$5,955,797$3,229,353$20,823,309
67$38,974,546$6,176,989$3,266,894$22,725,636
68$42,877,083$6,406,795$3,303,468$24,815,888
69$47,175,383$6,645,565$3,338,972$27,113,063
70$51,909,742$6,893,668$3,373,298$29,638,091
71$57,124,564$7,151,485$3,406,331$32,414,034
72$62,868,778$7,419,417$3,437,952$35,466,299
73$69,196,304$7,697,879$3,468,033$38,822,880
74$76,166,557$7,987,305$3,496,443$42,514,619
75$83,845,011$8,288,148$3,523,039$46,575,501
76$92,303,815$8,600,880$3,547,674$51,042,969
77$101,622,476$8,925,995$3,570,192$55,958,281
78$111,888,606$9,264,006$3,590,431$61,366,894
79$123,198,751$9,615,450$3,608,218$67,318,898
80$135,659,303$9,980,886$3,623,372$73,869,485
81$149,387,500$10,360,898$3,635,704$81,079,466
82$164,512,539$10,756,095$3,645,013$89,015,852
83$181,176,788$11,167,114$3,651,091$97,752,479
84$199,537,135$11,594,618$3,653,718$107,370,707
85$219,766,468$12,039,299$3,652,663$117,960,186
86$242,055,304$12,501,881$3,647,684$129,619,703
87$266,613,591$12,983,119$3,638,526$142,458,112
88$293,672,684$13,483,799$3,624,924$156,595,361
89$323,487,537$14,004,744$3,606,598$172,163,623
90$356,339,103$14,546,814$3,583,256$189,308,543
91$392,536,987$15,110,903$3,554,591$208,190,615
92$432,422,371$15,697,949$3,520,281$228,986,687
93$476,371,233$16,308,928$3,479,991$251,891,641
94$524,797,895$16,944,862$3,433,366$277,120,220
95$578,158,935$17,606,815$3,380,039$304,909,065
96$636,957,499$18,295,901$3,319,622$335,518,937
97$701,748,046$19,013,282$3,251,712$369,237,187
98$773,141,586$19,760,173$3,175,884$406,380,459
99$851,811,448$20,537,841$3,091,696$447,297,685
100$938,499,632$21,347,612$2,998,685$492,373,371