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%16.9%
1 years$155,249$153,866$152,517$151,200$149,914$145,699
2 years$76,856$75,424$74,037$72,692$71,388$67,173
3 years$50,728$49,291$47,907$46,575$45,291$41,210
4 years$37,667$36,234$34,864$33,554$32,302$28,384
5 years$29,832$28,408$27,056$25,773$24,556$20,812
6 years$24,611$23,197$21,865$20,611$19,430$15,865
7 years$20,883$19,481$18,170$16,945$15,802$12,415
8 years$18,088$16,699$15,410$14,215$13,109$9,899
9 years$15,915$14,539$13,272$12,108$11,040$8,003
10 years$14,178$12,816$11,571$10,437$9,406$6,538
11 years$12,758$11,409$10,187$9,084$8,090$5,386
12 years$11,575$10,240$9,041$7,967$7,010$4,466
13 years$10,575$9,254$8,077$7,034$6,113$3,723
14 years$9,719$8,412$7,257$6,244$5,359$3,117
15 years$8,977$7,684$6,553$5,569$4,718$2,618
16 years$8,329$7,050$5,941$4,986$4,170$2,206
17 years$7,758$6,493$5,406$4,480$3,697$1,863
18 years$7,250$6,000$4,935$4,037$3,288$1,576
19 years$6,797$5,560$4,518$3,648$2,930$1,336
20 years$6,390$5,167$4,146$3,304$2,617$1,134
21 years$6,021$4,813$3,814$2,999$2,342$964
22 years$5,687$4,493$3,515$2,726$2,100$820
23 years$5,382$4,202$3,245$2,483$1,885$698
24 years$5,103$3,937$3,001$2,265$1,694$595
25 years$4,847$3,695$2,780$2,068$1,524$507
26 years$4,611$3,472$2,578$1,891$1,373$432
27 years$4,392$3,268$2,394$1,731$1,238$369
28 years$4,190$3,079$2,226$1,586$1,117$315
29 years$4,002$2,905$2,071$1,454$1,009$269
30 years$3,827$2,743$1,929$1,335$911$230
31 years$3,663$2,593$1,799$1,226$824$196
32 years$3,510$2,454$1,678$1,127$745$168
33 years$3,367$2,324$1,567$1,036$675$143
34 years$3,232$2,203$1,464$953$611$122
35 years$3,105$2,089$1,369$877$553$105
36 years$2,986$1,983$1,280$808$501$89
37 years$2,873$1,883$1,198$745$454$76
38 years$2,767$1,790$1,122$686$412$65
39 years$2,666$1,702$1,051$633$373$56
40 years$2,570$1,619$985$584$339$48
41 years$2,480$1,541$924$538$307$41
42 years$2,394$1,468$867$497$279$35
43 years$2,312$1,399$813$459$253$30
44 years$2,234$1,333$764$424$230$26
45 years$2,159$1,271$717$391$209$22
46 years$2,089$1,213$673$361$189$19
47 years$2,021$1,157$633$334$172$16
48 years$1,956$1,105$594$308$156$14
49 years$1,895$1,055$559$285$142$12
50 years$1,836$1,008$525$264$129$10

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 $2,632 every year, while hoping to spend $33,536 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: 46/43/11 Blend
34$1,880,000$1,880,000$1,880,000$1,880,000
35$2,074,475$1,974,835$1,945,695$2,163,383
36$2,250,389$2,035,920$1,975,194$2,286,217
37$2,443,123$2,098,874$2,004,557$2,415,733
38$2,654,356$2,163,753$2,033,744$2,555,478
39$2,885,939$2,230,616$2,062,713$2,706,411
40$3,139,910$2,299,521$2,091,419$2,869,586
41$3,418,513$2,370,530$2,119,814$3,046,165
42$3,724,222$2,443,706$2,147,848$3,237,424
43$4,059,759$2,519,114$2,175,467$3,444,765
44$4,428,124$2,596,821$2,202,615$3,669,734
45$4,832,622$2,676,894$2,229,232$3,914,030
46$5,276,893$2,759,405$2,255,255$4,179,523
47$5,764,946$2,844,427$2,280,616$4,468,271
48$6,301,201$2,932,033$2,305,247$4,782,540
49$6,890,522$3,022,302$2,329,071$5,124,821
50$7,538,272$3,115,312$2,352,012$5,497,861
51$8,250,358$3,211,144$2,373,986$5,904,681
52$9,033,286$3,309,882$2,394,907$6,348,607
53$9,894,227$3,411,611$2,414,682$6,833,303
54$10,841,080$3,516,422$2,433,215$7,362,802
55$11,882,547$3,624,404$2,450,405$7,941,545
56$13,028,218$3,735,651$2,466,144$8,574,423
57$14,288,657$3,850,258$2,480,321$9,266,823
58$15,675,505$3,968,326$2,492,817$10,024,676
59$17,201,588$4,089,956$2,503,508$10,854,516
60$18,881,038$4,215,251$2,512,263$11,763,539
61$20,729,425$4,344,320$2,518,946$12,759,672
62$22,763,908$4,477,273$2,523,411$13,851,646
63$25,003,390$4,614,223$2,525,509$15,049,077
64$27,468,702$4,755,287$2,525,081$16,362,560
65$30,182,798$4,900,584$2,521,959$17,803,766
66$33,170,969$5,050,238$2,515,970$19,385,551
67$36,461,084$5,204,375$2,506,931$21,122,079
68$40,083,850$5,363,125$2,494,649$23,028,954
69$44,073,106$5,526,622$2,478,923$25,123,365
70$48,466,138$5,695,002$2,459,542$27,424,254
71$53,304,034$5,868,406$2,436,286$29,952,484
72$58,632,066$6,046,979$2,408,923$32,731,047
73$64,500,125$6,230,869$2,377,210$35,785,272
74$70,963,185$6,420,229$2,340,894$39,143,066
75$78,081,825$6,615,215$2,299,709$42,835,179
76$85,922,799$6,815,988$2,253,376$46,895,491
77$94,559,665$7,022,713$2,201,606$51,361,331
78$104,073,483$7,235,558$2,144,092$56,273,833
79$114,553,576$7,454,698$2,080,516$61,678,318
80$126,098,373$7,680,311$2,010,546$67,624,725
81$138,816,340$7,912,578$1,933,832$74,168,080
82$152,827,002$8,151,690$1,850,010$81,369,016
83$168,262,069$8,397,836$1,758,699$89,294,345
84$185,266,685$8,651,215$1,659,501$98,017,685
85$204,000,792$8,912,029$1,551,998$107,620,159
86$224,640,640$9,180,485$1,435,757$118,191,157
87$247,380,452$9,456,797$1,310,323$129,829,178
88$272,434,260$9,741,181$1,175,220$142,642,764
89$300,037,917$10,033,862$1,029,952$156,751,519
90$330,451,332$10,335,068$874,003$172,287,240
91$363,960,915$10,645,034$706,829$189,395,159
92$400,882,288$10,964,000$527,867$208,235,315
93$441,563,257$11,292,212$336,527$228,984,064
94$486,387,101$11,629,922$132,193$251,835,740
95$535,776,186$11,977,388$0$277,004,493
96$590,195,951$12,334,875$0$304,736,386
97$650,159,306$12,702,652$0$335,298,600
98$716,231,470$13,080,996$0$368,962,248
99$789,035,306$13,470,191$0$406,043,199
100$869,257,202$13,870,525$0$446,889,528