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

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 $1,880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$155,249$153,866$152,517$151,200$149,914$146,707
2 years$76,856$75,424$74,037$72,692$71,388$68,172
3 years$50,728$49,291$47,907$46,575$45,291$42,168
4 years$37,667$36,234$34,864$33,554$32,302$29,295
5 years$29,832$28,408$27,056$25,773$24,556$21,673
6 years$24,611$23,197$21,865$20,611$19,430$16,675
7 years$20,883$19,481$18,170$16,945$15,802$13,175
8 years$18,088$16,699$15,410$14,215$13,109$10,609
9 years$15,915$14,539$13,272$12,108$11,040$8,666
10 years$14,178$12,816$11,571$10,437$9,406$7,155
11 years$12,758$11,409$10,187$9,084$8,090$5,959
12 years$11,575$10,240$9,041$7,967$7,010$4,997
13 years$10,575$9,254$8,077$7,034$6,113$4,213
14 years$9,719$8,412$7,257$6,244$5,359$3,568
15 years$8,977$7,684$6,553$5,569$4,718$3,033
16 years$8,329$7,050$5,941$4,986$4,170$2,587
17 years$7,758$6,493$5,406$4,480$3,697$2,211
18 years$7,250$6,000$4,935$4,037$3,288$1,895
19 years$6,797$5,560$4,518$3,648$2,930$1,627
20 years$6,390$5,167$4,146$3,304$2,617$1,398
21 years$6,021$4,813$3,814$2,999$2,342$1,204
22 years$5,687$4,493$3,515$2,726$2,100$1,038
23 years$5,382$4,202$3,245$2,483$1,885$895
24 years$5,103$3,937$3,001$2,265$1,694$773
25 years$4,847$3,695$2,780$2,068$1,524$668
26 years$4,611$3,472$2,578$1,891$1,373$578
27 years$4,392$3,268$2,394$1,731$1,238$500
28 years$4,190$3,079$2,226$1,586$1,117$432
29 years$4,002$2,905$2,071$1,454$1,009$374
30 years$3,827$2,743$1,929$1,335$911$324
31 years$3,663$2,593$1,799$1,226$824$281
32 years$3,510$2,454$1,678$1,127$745$244
33 years$3,367$2,324$1,567$1,036$675$211
34 years$3,232$2,203$1,464$953$611$183
35 years$3,105$2,089$1,369$877$553$159
36 years$2,986$1,983$1,280$808$501$138
37 years$2,873$1,883$1,198$745$454$119
38 years$2,767$1,790$1,122$686$412$104
39 years$2,666$1,702$1,051$633$373$90
40 years$2,570$1,619$985$584$339$78
41 years$2,480$1,541$924$538$307$68
42 years$2,394$1,468$867$497$279$59
43 years$2,312$1,399$813$459$253$51
44 years$2,234$1,333$764$424$230$44
45 years$2,159$1,271$717$391$209$38
46 years$2,089$1,213$673$361$189$33
47 years$2,021$1,157$633$334$172$29
48 years$1,956$1,105$594$308$156$25
49 years$1,895$1,055$559$285$142$22
50 years$1,836$1,008$525$264$129$19

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 $2,132 every year, while hoping to spend $41,105 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: 41/30/29 Blend
34$1,880,000$1,880,000$1,880,000$1,880,000
35$2,073,959$1,974,319$1,945,179$2,141,228
36$2,241,768$2,027,325$1,966,607$2,243,193
37$2,425,315$2,081,551$1,987,376$2,349,504
38$2,626,163$2,137,013$2,007,418$2,463,807
39$2,846,031$2,193,727$2,026,667$2,586,862
40$3,086,815$2,251,708$2,045,048$2,719,508
41$3,350,598$2,310,970$2,062,486$2,862,670
42$3,639,679$2,371,527$2,078,899$3,017,366
43$3,956,586$2,433,392$2,094,202$3,184,716
44$4,304,107$2,496,577$2,108,307$3,365,958
45$4,685,309$2,561,092$2,121,118$3,562,452
46$5,103,572$2,626,947$2,132,537$3,775,699
47$5,562,619$2,694,150$2,142,460$4,007,354
48$6,066,552$2,762,709$2,150,778$4,259,237
49$6,619,886$2,832,628$2,157,375$4,533,358
50$7,227,599$2,903,912$2,162,132$4,831,930
51$7,895,172$2,976,561$2,164,921$5,157,393
52$8,628,644$3,050,577$2,165,610$5,512,435
53$9,434,667$3,125,957$2,164,060$5,900,019
54$10,320,571$3,202,696$2,160,123$6,323,412
55$11,294,428$3,280,788$2,153,647$6,786,215
56$12,365,136$3,360,222$2,144,470$7,292,394
57$13,542,495$3,440,988$2,132,424$7,846,325
58$14,837,301$3,523,068$2,117,333$8,452,827
59$16,261,452$3,606,445$2,099,010$9,117,214
60$17,828,056$3,691,096$2,077,262$9,845,344
61$19,551,552$3,776,994$2,051,885$10,643,673
62$21,447,854$3,864,111$2,022,666$11,519,317
63$23,534,493$3,952,410$1,989,384$12,480,119
64$25,830,786$4,041,853$1,951,803$13,534,725
65$28,358,019$4,132,396$1,909,680$14,692,666
66$31,139,642$4,223,989$1,862,760$15,964,445
67$34,201,498$4,316,577$1,810,775$17,361,640
68$37,572,060$4,410,098$1,753,445$18,897,015
69$41,282,702$4,504,485$1,690,478$20,584,635
70$45,367,996$4,599,663$1,621,567$22,440,005
71$49,866,036$4,695,551$1,546,394$24,480,217
72$54,818,796$4,792,058$1,464,623$26,724,106
73$60,272,531$4,889,086$1,375,905$29,192,436
74$66,278,206$4,986,528$1,279,875$31,908,091
75$72,891,984$5,084,268$1,176,151$34,896,296
76$80,175,748$5,182,180$1,064,335$38,184,852
77$88,197,694$5,280,126$944,009$41,804,403
78$97,032,964$5,377,958$814,739$45,788,723
79$106,764,364$5,475,515$676,070$50,175,040
80$117,483,139$5,572,625$527,528$55,004,384
81$129,289,836$5,669,101$368,617$60,321,976
82$142,295,254$5,764,741$198,821$66,177,660
83$156,621,487$5,859,331$17,598$72,626,371
84$172,403,077$5,952,637$0$79,728,656
85$189,788,286$6,044,410$0$87,605,645
86$208,940,488$6,134,384$0$96,285,837
87$230,039,719$6,222,270$0$105,845,034
88$253,284,372$6,307,763$0$116,372,773
89$278,893,069$6,390,534$0$127,967,729
90$307,106,724$6,470,232$0$140,738,639
91$338,190,819$6,546,482$0$154,805,334
92$372,437,906$6,618,884$0$170,299,866
93$410,170,372$6,687,009$0$187,367,762
94$451,743,479$6,750,402$0$206,169,388
95$497,548,719$6,808,576$0$226,881,476
96$548,017,507$6,861,015$0$249,698,781
97$603,625,254$6,907,166$0$274,835,929
98$664,895,855$6,946,442$0$302,529,439
99$732,406,633$6,978,218$0$333,039,958
100$806,793,789$7,001,831$0$366,654,725