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%19.3%
1 years$156,074$154,684$153,328$152,004$150,711$145,076
2 years$77,265$75,826$74,431$73,079$71,767$66,154
3 years$50,998$49,553$48,162$46,822$45,532$40,118
4 years$37,867$36,427$35,049$33,733$32,474$27,300
5 years$29,991$28,559$27,200$25,910$24,686$19,766
6 years$24,742$23,320$21,981$20,720$19,533$14,870
7 years$20,994$19,585$18,267$17,035$15,886$11,478
8 years$18,184$16,788$15,492$14,291$13,179$9,023
9 years$16,000$14,617$13,343$12,172$11,098$7,188
10 years$14,254$12,884$11,633$10,493$9,456$5,785
11 years$12,826$11,470$10,241$9,132$8,133$4,692
12 years$11,637$10,295$9,089$8,010$7,048$3,829
13 years$10,632$9,303$8,120$7,071$6,146$3,140
14 years$9,771$8,456$7,296$6,277$5,387$2,585
15 years$9,025$7,725$6,587$5,598$4,743$2,135
16 years$8,373$7,088$5,972$5,013$4,192$1,768
17 years$7,799$6,527$5,435$4,504$3,717$1,467
18 years$7,289$6,032$4,961$4,059$3,305$1,219
19 years$6,833$5,590$4,542$3,667$2,946$1,015
20 years$6,424$5,195$4,168$3,322$2,631$846
21 years$6,053$4,839$3,834$3,015$2,355$706
22 years$5,717$4,517$3,534$2,741$2,111$589
23 years$5,411$4,224$3,263$2,496$1,895$492
24 years$5,130$3,958$3,017$2,277$1,703$411
25 years$4,873$3,714$2,795$2,079$1,532$344
26 years$4,635$3,491$2,592$1,901$1,380$288
27 years$4,416$3,285$2,407$1,740$1,245$241
28 years$4,212$3,096$2,237$1,594$1,123$202
29 years$4,023$2,920$2,082$1,462$1,014$169
30 years$3,847$2,758$1,939$1,342$916$141
31 years$3,683$2,607$1,808$1,232$828$118
32 years$3,529$2,467$1,687$1,133$749$99
33 years$3,385$2,336$1,575$1,041$678$83
34 years$3,249$2,214$1,472$958$614$70
35 years$3,122$2,100$1,376$882$556$58
36 years$3,002$1,993$1,287$812$504$49
37 years$2,888$1,893$1,205$749$457$41
38 years$2,781$1,799$1,128$690$414$34
39 years$2,680$1,711$1,057$636$375$29
40 years$2,584$1,628$991$587$341$24
41 years$2,493$1,550$929$541$309$20
42 years$2,406$1,476$871$500$280$17
43 years$2,324$1,406$818$461$254$14
44 years$2,246$1,340$768$426$231$12
45 years$2,171$1,278$721$393$210$10
46 years$2,100$1,219$677$363$190$8
47 years$2,032$1,164$636$336$173$7
48 years$1,967$1,111$598$310$157$6
49 years$1,905$1,061$562$287$143$5
50 years$1,845$1,013$528$265$129$4

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 $3,983 every year, while hoping to spend $45,573 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: 54/25/21 Blend
34$1,890,000$1,890,000$1,890,000$1,890,000
35$2,086,888$1,986,718$1,957,423$2,187,406
36$2,251,262$2,035,578$1,974,508$2,305,654
37$2,430,874$2,085,305$1,990,637$2,429,193
38$2,627,231$2,135,893$2,005,731$2,562,701
39$2,841,991$2,187,334$2,019,706$2,707,145
40$3,076,980$2,239,620$2,032,472$2,863,589
41$3,334,209$2,292,738$2,043,937$3,033,208
42$3,615,892$2,346,676$2,054,002$3,217,294
43$3,924,466$2,401,416$2,062,565$3,417,272
44$4,262,618$2,456,942$2,069,517$3,634,711
45$4,633,303$2,513,230$2,074,744$3,871,340
46$5,039,779$2,570,258$2,078,127$4,129,065
47$5,485,633$2,627,997$2,079,541$4,409,988
48$5,974,816$2,686,416$2,078,853$4,716,422
49$6,511,679$2,745,483$2,075,927$5,050,918
50$7,101,016$2,805,157$2,070,616$5,416,288
51$7,748,108$2,865,398$2,062,770$5,815,630
52$8,458,770$2,926,158$2,052,229$6,252,358
53$9,239,412$2,987,387$2,038,825$6,730,237
54$10,097,091$3,049,028$2,022,385$7,253,415
55$11,039,585$3,111,021$2,002,725$7,826,463
56$12,075,459$3,173,297$1,979,653$8,454,420
57$13,214,152$3,235,785$1,952,968$9,142,841
58$14,466,062$3,298,405$1,922,459$9,897,846
59$15,842,645$3,361,072$1,887,906$10,726,183
60$17,356,523$3,423,692$1,849,079$11,635,288
61$19,021,601$3,486,166$1,805,735$12,633,359
62$20,853,200$3,548,384$1,757,623$13,729,428
63$22,868,201$3,610,229$1,704,479$14,933,454
64$25,085,204$3,671,577$1,646,025$16,256,412
65$27,524,701$3,732,290$1,581,973$17,710,399
66$30,209,272$3,792,224$1,512,020$19,308,749
67$33,163,796$3,851,222$1,435,852$21,066,156
68$36,415,687$3,909,115$1,353,137$22,998,819
69$39,995,151$3,965,725$1,263,530$25,124,590
70$43,935,469$4,020,858$1,166,671$27,463,148
71$48,273,315$4,074,308$1,062,182$30,036,179
72$53,049,098$4,125,855$949,671$32,867,588
73$58,307,347$4,175,263$828,726$35,983,721
74$64,097,125$4,222,279$698,917$39,413,617
75$70,472,497$4,266,636$559,796$43,189,281
76$77,493,038$4,308,047$410,894$47,345,988
77$85,224,392$4,346,206$251,724$51,922,617
78$93,738,897$4,380,787$81,773$56,962,017
79$103,116,262$4,411,443$0$62,511,416
80$113,444,322$4,437,805$0$68,645,183
81$124,819,866$4,459,481$0$75,419,373
82$137,349,548$4,476,051$0$82,879,002
83$151,150,897$4,487,073$0$91,093,892
84$166,353,422$4,492,073$0$100,140,985
85$183,099,836$4,490,549$0$110,105,076
86$201,547,403$4,481,969$0$121,079,608
87$221,869,420$4,465,768$0$133,167,558
88$244,256,854$4,441,344$0$146,482,408
89$268,920,145$4,408,062$0$161,149,217
90$296,091,188$4,365,245$0$177,305,805
91$326,025,524$4,312,177$0$195,104,049
92$359,004,753$4,248,099$0$214,711,325
93$395,339,190$4,172,208$0$236,312,081
94$435,370,791$4,083,650$0$260,109,586
95$479,476,387$3,981,524$0$286,327,844
96$528,071,233$3,864,873$0$315,213,716
97$581,612,933$3,732,686$0$347,039,244
98$640,605,758$3,583,893$0$382,104,228
99$705,605,402$3,417,361$0$420,739,052
100$777,224,233$3,231,891$0$463,307,809