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%11.9%
1 years$156,074$154,684$153,328$152,004$150,711$149,511
2 years$77,265$75,826$74,431$73,079$71,767$70,557
3 years$50,998$49,553$48,162$46,822$45,532$44,350
4 years$37,867$36,427$35,049$33,733$32,474$31,329
5 years$29,991$28,559$27,200$25,910$24,686$23,581
6 years$24,742$23,320$21,981$20,720$19,533$18,470
7 years$20,994$19,585$18,267$17,035$15,886$14,865
8 years$18,184$16,788$15,492$14,291$13,179$12,200
9 years$16,000$14,617$13,343$12,172$11,098$10,162
10 years$14,254$12,884$11,633$10,493$9,456$8,561
11 years$12,826$11,470$10,241$9,132$8,133$7,278
12 years$11,637$10,295$9,089$8,010$7,048$6,233
13 years$10,632$9,303$8,120$7,071$6,146$5,370
14 years$9,771$8,456$7,296$6,277$5,387$4,650
15 years$9,025$7,725$6,587$5,598$4,743$4,043
16 years$8,373$7,088$5,972$5,013$4,192$3,528
17 years$7,799$6,527$5,435$4,504$3,717$3,087
18 years$7,289$6,032$4,961$4,059$3,305$2,709
19 years$6,833$5,590$4,542$3,667$2,946$2,382
20 years$6,424$5,195$4,168$3,322$2,631$2,099
21 years$6,053$4,839$3,834$3,015$2,355$1,853
22 years$5,717$4,517$3,534$2,741$2,111$1,638
23 years$5,411$4,224$3,263$2,496$1,895$1,449
24 years$5,130$3,958$3,017$2,277$1,703$1,284
25 years$4,873$3,714$2,795$2,079$1,532$1,139
26 years$4,635$3,491$2,592$1,901$1,380$1,011
27 years$4,416$3,285$2,407$1,740$1,245$898
28 years$4,212$3,096$2,237$1,594$1,123$798
29 years$4,023$2,920$2,082$1,462$1,014$710
30 years$3,847$2,758$1,939$1,342$916$632
31 years$3,683$2,607$1,808$1,232$828$562
32 years$3,529$2,467$1,687$1,133$749$501
33 years$3,385$2,336$1,575$1,041$678$446
34 years$3,249$2,214$1,472$958$614$398
35 years$3,122$2,100$1,376$882$556$355
36 years$3,002$1,993$1,287$812$504$316
37 years$2,888$1,893$1,205$749$457$282
38 years$2,781$1,799$1,128$690$414$252
39 years$2,680$1,711$1,057$636$375$225
40 years$2,584$1,628$991$587$341$200
41 years$2,493$1,550$929$541$309$179
42 years$2,406$1,476$871$500$280$160
43 years$2,324$1,406$818$461$254$143
44 years$2,246$1,340$768$426$231$127
45 years$2,171$1,278$721$393$210$114
46 years$2,100$1,219$677$363$190$102
47 years$2,032$1,164$636$336$173$91
48 years$1,967$1,111$598$310$157$81
49 years$1,905$1,061$562$287$143$72
50 years$1,845$1,013$528$265$129$65

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 $5,367 every year, while hoping to spend $21,058 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: 74/9/17 Blend
34$1,890,000$1,890,000$1,890,000$1,890,000
35$2,088,316$1,988,146$1,958,851$2,234,367
36$2,278,919$2,063,160$2,002,067$2,406,866
37$2,488,257$2,141,143$2,046,025$2,592,724
38$2,718,220$2,222,220$2,090,727$2,795,825
39$2,970,888$2,306,518$2,136,177$3,017,878
40$3,248,554$2,394,173$2,182,374$3,260,768
41$3,553,743$2,485,324$2,229,319$3,526,565
42$3,889,236$2,580,116$2,277,013$3,817,553
43$4,258,100$2,678,704$2,325,455$4,136,245
44$4,663,711$2,781,245$2,374,643$4,485,411
45$5,109,790$2,887,907$2,424,574$4,868,100
46$5,600,437$2,998,862$2,475,245$5,287,669
47$6,140,166$3,114,291$2,526,650$5,747,820
48$6,733,955$3,234,383$2,578,785$6,252,626
49$7,387,287$3,359,337$2,631,643$6,806,576
50$8,106,202$3,489,356$2,685,215$7,414,615
51$8,897,358$3,624,657$2,739,492$8,082,190
52$9,768,087$3,765,464$2,794,464$8,815,300
53$10,726,471$3,912,011$2,850,118$9,620,556
54$11,781,415$4,064,543$2,906,441$10,505,240
55$12,942,729$4,223,316$2,963,417$11,477,374
56$14,221,226$4,388,597$3,021,029$12,545,798
57$15,628,816$4,560,664$3,079,259$13,720,248
58$17,178,627$4,739,808$3,138,086$15,011,452
59$18,885,123$4,926,334$3,197,488$16,431,231
60$20,764,241$5,120,560$3,257,439$17,992,608
61$22,833,543$5,322,817$3,317,913$19,709,929
62$25,112,382$5,533,452$3,378,880$21,599,005
63$27,622,081$5,752,828$3,440,309$23,677,254
64$30,386,139$5,981,322$3,502,165$25,963,868
65$33,430,449$6,219,331$3,564,411$28,479,993
66$36,783,544$6,467,267$3,627,008$31,248,928
67$40,476,865$6,725,562$3,689,912$34,296,348
68$44,545,058$6,994,668$3,753,078$37,650,541
69$49,026,304$7,275,057$3,816,455$41,342,677
70$53,962,672$7,567,220$3,879,992$45,407,101
71$59,400,524$7,871,673$3,943,631$49,881,658
72$65,390,948$8,188,955$4,007,313$54,808,051
73$71,990,238$8,519,628$4,070,972$60,232,228
74$79,260,434$8,864,280$4,134,540$66,204,825
75$87,269,895$9,223,527$4,197,945$72,781,633
76$96,093,956$9,598,012$4,261,107$80,024,133
77$105,815,631$9,988,406$4,323,946$88,000,071
78$116,526,399$10,395,412$4,386,372$96,784,097
79$128,327,070$10,819,765$4,448,293$106,458,472
80$141,328,730$11,262,233$4,509,611$117,113,842
81$155,653,798$11,723,619$4,570,220$128,850,093
82$171,437,173$12,204,764$4,630,009$141,777,293
83$188,827,512$12,706,545$4,688,863$156,016,732
84$207,988,635$13,229,882$4,746,656$171,702,066
85$229,101,064$13,775,735$4,803,257$188,980,576
86$252,363,735$14,345,109$4,858,529$208,014,561
87$277,995,871$14,939,054$4,912,325$228,982,866
88$306,239,053$15,558,671$4,964,491$252,082,573
89$337,359,499$16,205,108$5,014,864$277,530,857
90$371,650,578$16,879,568$5,063,272$305,567,040
91$409,435,580$17,583,310$5,109,534$336,454,844
92$451,070,766$18,317,650$5,153,461$370,484,885
93$496,948,734$19,083,964$5,194,851$407,977,413
94$547,502,120$19,883,693$5,233,494$449,285,334
95$603,207,686$20,718,344$5,269,166$494,797,541
96$664,590,821$21,589,494$5,301,634$544,942,586
97$732,230,499$22,498,793$5,330,653$600,192,724
98$806,764,743$23,447,967$5,355,963$661,068,368
99$888,896,652$24,438,823$5,377,293$728,143,005
100$979,401,036$25,473,251$5,394,358$802,048,605