Can I retire at age 35 with 1,890,000?

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$156,074$154,684$153,328$152,004$150,711$148,215
2 years$77,265$75,826$74,431$73,079$71,767$69,259
3 years$50,998$49,553$48,162$46,822$45,532$43,091
4 years$37,867$36,427$35,049$33,733$32,474$30,118
5 years$29,991$28,559$27,200$25,910$24,686$22,422
6 years$24,742$23,320$21,981$20,720$19,533$17,364
7 years$20,994$19,585$18,267$17,035$15,886$13,812
8 years$18,184$16,788$15,492$14,291$13,179$11,201
9 years$16,000$14,617$13,343$12,172$11,098$9,214
10 years$14,254$12,884$11,633$10,493$9,456$7,665
11 years$12,826$11,470$10,241$9,132$8,133$6,432
12 years$11,637$10,295$9,089$8,010$7,048$5,435
13 years$10,632$9,303$8,120$7,071$6,146$4,619
14 years$9,771$8,456$7,296$6,277$5,387$3,944
15 years$9,025$7,725$6,587$5,598$4,743$3,381
16 years$8,373$7,088$5,972$5,013$4,192$2,907
17 years$7,799$6,527$5,435$4,504$3,717$2,507
18 years$7,289$6,032$4,961$4,059$3,305$2,167
19 years$6,833$5,590$4,542$3,667$2,946$1,877
20 years$6,424$5,195$4,168$3,322$2,631$1,628
21 years$6,053$4,839$3,834$3,015$2,355$1,415
22 years$5,717$4,517$3,534$2,741$2,111$1,231
23 years$5,411$4,224$3,263$2,496$1,895$1,072
24 years$5,130$3,958$3,017$2,277$1,703$934
25 years$4,873$3,714$2,795$2,079$1,532$815
26 years$4,635$3,491$2,592$1,901$1,380$711
27 years$4,416$3,285$2,407$1,740$1,245$621
28 years$4,212$3,096$2,237$1,594$1,123$543
29 years$4,023$2,920$2,082$1,462$1,014$475
30 years$3,847$2,758$1,939$1,342$916$415
31 years$3,683$2,607$1,808$1,232$828$364
32 years$3,529$2,467$1,687$1,133$749$318
33 years$3,385$2,336$1,575$1,041$678$279
34 years$3,249$2,214$1,472$958$614$244
35 years$3,122$2,100$1,376$882$556$214
36 years$3,002$1,993$1,287$812$504$187
37 years$2,888$1,893$1,205$749$457$164
38 years$2,781$1,799$1,128$690$414$144
39 years$2,680$1,711$1,057$636$375$126
40 years$2,584$1,628$991$587$341$110
41 years$2,493$1,550$929$541$309$97
42 years$2,406$1,476$871$500$280$85
43 years$2,324$1,406$818$461$254$74
44 years$2,246$1,340$768$426$231$65
45 years$2,171$1,278$721$393$210$57
46 years$2,100$1,219$677$363$190$50
47 years$2,032$1,164$636$336$173$44
48 years$1,967$1,111$598$310$157$39
49 years$1,905$1,061$562$287$143$34
50 years$1,845$1,013$528$265$129$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,890,000, adding $4,650 every year, while hoping to spend $34,243 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: 71/13/16 Blend
34$1,890,000$1,890,000$1,890,000$1,890,000
35$2,087,576$1,987,406$1,958,111$2,227,774
36$2,264,075$2,048,355$1,987,274$2,382,473
37$2,457,429$2,111,143$2,016,266$2,547,210
38$2,669,321$2,175,823$2,045,045$2,726,678
39$2,901,604$2,242,451$2,073,567$2,922,326
40$3,156,322$2,311,085$2,101,785$3,135,754
41$3,435,721$2,381,782$2,129,649$3,368,719
42$3,742,278$2,454,603$2,157,106$3,623,160
43$4,078,722$2,529,611$2,184,101$3,901,209
44$4,448,057$2,606,867$2,210,574$4,205,217
45$4,853,594$2,686,439$2,236,463$4,537,773
46$5,298,978$2,768,392$2,261,702$4,901,728
47$5,788,227$2,852,795$2,286,222$5,300,222
48$6,325,764$2,939,721$2,309,948$5,736,715
49$6,916,465$3,029,240$2,332,805$6,215,019
50$7,565,700$3,121,429$2,354,709$6,739,332
51$8,279,385$3,216,362$2,375,576$7,314,279
52$9,064,039$3,314,120$2,395,314$7,944,957
53$9,926,842$3,414,784$2,413,828$8,636,979
54$10,875,707$3,518,435$2,431,018$9,396,531
55$11,919,350$3,625,159$2,446,779$10,230,427
56$13,067,376$3,735,044$2,460,998$11,146,176
57$14,330,367$3,848,180$2,473,560$12,152,050
58$15,719,981$3,964,657$2,484,341$13,257,164
59$17,249,066$4,084,572$2,493,212$14,471,561
60$18,931,774$4,208,020$2,500,039$15,806,307
61$20,783,704$4,335,101$2,504,679$17,273,594
62$22,822,038$4,465,918$2,506,982$18,886,857
63$25,065,711$4,600,573$2,506,791$20,660,900
64$27,535,588$4,739,176$2,503,943$22,612,035
65$30,254,657$4,881,834$2,498,264$24,758,234
66$33,248,250$5,028,662$2,489,574$27,119,305
67$36,544,280$5,179,775$2,477,683$29,717,070
68$40,173,503$5,335,290$2,462,392$32,575,578
69$44,169,810$5,495,329$2,443,492$35,721,328
70$48,570,547$5,660,017$2,420,765$39,183,522
71$53,416,864$5,829,479$2,393,982$42,994,336
72$58,754,108$6,003,847$2,362,905$47,189,228
73$64,632,246$6,183,254$2,327,280$51,807,270
74$71,106,338$6,367,837$2,286,847$56,891,519
75$78,237,058$6,557,734$2,241,330$62,489,420
76$86,091,264$6,753,090$2,190,441$68,653,257
77$94,742,631$6,954,049$2,133,879$75,440,646
78$104,272,344$7,160,763$2,071,329$82,915,075
79$114,769,866$7,373,383$2,002,461$91,146,508
80$126,333,781$7,592,067$1,926,932$100,212,045
81$139,072,722$7,816,974$1,844,380$110,196,645
82$153,106,401$8,048,267$1,754,428$121,193,934
83$168,566,736$8,286,114$1,656,683$133,307,083
84$185,599,095$8,530,685$1,550,734$146,649,789
85$204,363,669$8,782,155$1,436,150$161,347,340
86$225,036,983$9,040,701$1,312,481$177,537,804
87$247,813,565$9,306,505$1,179,258$195,373,330
88$272,907,776$9,579,751$1,035,991$215,021,585
89$300,555,840$9,860,629$882,167$236,667,334
90$331,018,067$10,149,332$717,252$260,514,190
91$364,581,316$10,446,055$540,685$286,786,529
92$401,561,697$10,750,999$351,886$315,731,616
93$442,307,560$11,064,367$150,243$347,621,933
94$487,202,777$11,386,368$0$382,757,754
95$536,670,372$11,717,211$0$421,481,067
96$591,176,509$12,057,113$0$464,173,530
97$651,234,892$12,406,291$0$511,211,428
98$717,411,620$12,764,968$0$563,037,718
99$790,330,523$13,133,369$0$620,140,528
100$870,679,056$13,511,724$0$683,057,766