Can I retire at age 35 with 1,900,000?

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 $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$156,900$155,503$154,139$152,808$151,509$150,743
2 years$77,673$76,227$74,825$73,465$72,147$71,375
3 years$51,268$49,815$48,417$47,070$45,773$45,018
4 years$38,068$36,619$35,235$33,911$32,646$31,913
5 years$30,150$28,710$27,344$26,047$24,817$24,109
6 years$24,873$23,444$22,098$20,830$19,637$18,954
7 years$21,105$19,688$18,363$17,126$15,970$15,314
8 years$18,280$16,876$15,574$14,366$13,249$12,619
9 years$16,085$14,694$13,414$12,237$11,157$10,553
10 years$14,329$12,952$11,694$10,548$9,506$8,928
11 years$12,894$11,530$10,295$9,180$8,176$7,623
12 years$11,698$10,349$9,137$8,052$7,085$6,557
13 years$10,688$9,353$8,163$7,109$6,178$5,675
14 years$9,822$8,501$7,335$6,310$5,416$4,936
15 years$9,073$7,766$6,622$5,628$4,769$4,312
16 years$8,418$7,125$6,004$5,039$4,214$3,780
17 years$7,840$6,562$5,463$4,528$3,737$3,325
18 years$7,328$6,064$4,987$4,080$3,323$2,932
19 years$6,869$5,620$4,566$3,687$2,962$2,591
20 years$6,457$5,222$4,190$3,339$2,645$2,295
21 years$6,085$4,864$3,854$3,031$2,367$2,036
22 years$5,747$4,540$3,552$2,755$2,122$1,809
23 years$5,439$4,247$3,280$2,509$1,905$1,609
24 years$5,157$3,979$3,033$2,289$1,712$1,433
25 years$4,898$3,734$2,809$2,090$1,541$1,278
26 years$4,660$3,509$2,606$1,911$1,388$1,141
27 years$4,439$3,303$2,420$1,749$1,251$1,019
28 years$4,235$3,112$2,249$1,603$1,129$911
29 years$4,045$2,936$2,093$1,470$1,019$814
30 years$3,868$2,773$1,950$1,349$921$729
31 years$3,702$2,621$1,818$1,239$833$653
32 years$3,548$2,480$1,696$1,139$753$585
33 years$3,403$2,349$1,583$1,047$682$524
34 years$3,266$2,226$1,479$963$617$470
35 years$3,138$2,111$1,383$887$559$421
36 years$3,018$2,004$1,294$817$507$378
37 years$2,904$1,903$1,211$752$459$339
38 years$2,796$1,809$1,134$694$416$304
39 years$2,694$1,720$1,063$640$377$273
40 years$2,598$1,636$996$590$342$245
41 years$2,506$1,558$934$544$311$220
42 years$2,419$1,484$876$502$282$198
43 years$2,336$1,414$822$464$256$178
44 years$2,257$1,347$772$428$232$160
45 years$2,182$1,285$725$395$211$143
46 years$2,111$1,226$681$365$191$129
47 years$2,043$1,170$639$337$174$116
48 years$1,977$1,117$601$312$158$104
49 years$1,915$1,066$565$288$143$93
50 years$1,855$1,019$531$266$130$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,900,000, adding $6,201 every year, while hoping to spend $25,807 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: 46/36/18 Blend
34$1,900,000$1,900,000$1,900,000$1,900,000
35$2,100,196$1,999,496$1,970,046$2,185,758
36$2,286,958$2,070,013$2,008,584$2,316,620
37$2,491,904$2,143,120$2,047,549$2,455,429
38$2,716,863$2,218,918$2,086,926$2,605,477
39$2,963,847$2,297,509$2,126,702$2,767,822
40$3,235,074$2,379,002$2,166,861$2,943,626
41$3,532,988$2,463,508$2,207,387$3,134,165
42$3,860,278$2,551,146$2,248,260$3,340,845
43$4,219,910$2,642,036$2,289,461$3,565,212
44$4,615,150$2,736,305$2,330,967$3,808,964
45$5,049,596$2,834,084$2,372,755$4,073,971
46$5,527,212$2,935,512$2,414,799$4,362,289
47$6,052,365$3,040,730$2,457,073$4,676,182
48$6,629,868$3,149,886$2,499,546$5,018,138
49$7,265,020$3,263,137$2,542,187$5,390,899
50$7,963,664$3,380,643$2,584,962$5,797,479
51$8,732,235$3,502,571$2,627,835$6,241,198
52$9,577,822$3,629,096$2,670,766$6,725,708
53$10,508,238$3,760,400$2,713,716$7,255,030
54$11,532,092$3,896,673$2,756,638$7,833,592
55$12,658,867$4,038,112$2,799,487$8,466,268
56$13,899,013$4,184,921$2,842,212$9,158,422
57$15,264,047$4,337,317$2,884,761$9,915,965
58$16,766,655$4,495,520$2,927,075$10,745,399
59$18,420,817$4,659,764$2,969,096$11,653,891
60$20,241,939$4,830,292$3,010,759$12,649,327
61$22,246,995$5,007,354$3,051,998$13,740,396
62$24,454,688$5,191,214$3,092,740$14,936,664
63$26,885,629$5,382,146$3,132,909$16,248,670
64$29,562,528$5,580,436$3,172,426$17,688,018
65$32,510,409$5,786,380$3,211,205$19,267,490
66$35,756,847$6,000,290$3,249,157$21,001,166
67$39,332,230$6,222,488$3,286,188$22,904,553
68$43,270,039$6,453,311$3,322,197$24,994,734
69$47,607,171$6,693,112$3,357,079$27,290,525
70$52,384,284$6,942,255$3,390,722$29,812,654
71$57,646,179$7,201,124$3,423,010$32,583,955
72$63,442,227$7,470,117$3,453,818$35,629,582
73$69,826,829$7,749,648$3,483,017$38,977,245
74$76,859,937$8,040,152$3,510,468$42,657,473
75$84,607,610$8,342,079$3,536,029$46,703,897
76$93,142,648$8,655,902$3,559,547$51,153,570
77$102,545,268$8,982,112$3,580,862$56,047,312
78$112,903,871$9,321,221$3,599,807$61,430,099
79$124,315,869$9,673,764$3,616,204$67,351,478
80$136,888,609$10,040,300$3,629,868$73,866,044
81$150,740,383$10,421,410$3,640,604$81,033,944
82$166,001,546$10,817,703$3,648,208$88,921,449
83$182,815,745$11,229,812$3,652,464$97,601,578
84$201,341,276$11,658,398$3,653,147$107,154,781
85$221,752,579$12,104,152$3,650,021$117,669,702
86$244,241,882$12,567,795$3,642,836$129,244,012
87$269,021,015$13,050,079$3,631,332$141,985,328
88$296,323,413$13,551,787$3,615,237$156,012,228
89$326,406,317$14,073,741$3,594,263$171,455,368
90$359,553,202$14,616,795$3,568,111$188,458,717
91$396,076,452$15,181,841$3,536,467$207,180,906
92$436,320,312$15,769,813$3,499,000$227,796,732
93$480,664,134$16,381,683$3,455,366$250,498,798
94$529,525,958$17,018,469$3,405,203$275,499,335
95$583,366,462$17,681,230$3,348,134$303,032,201
96$642,693,307$18,371,076$3,283,762$333,355,084
97$708,065,929$19,089,163$3,211,673$366,751,934
98$780,100,822$19,836,700$3,131,432$403,535,639
99$859,477,357$20,614,951$3,042,587$444,050,981
100$946,944,197$21,425,232$2,944,662$488,677,880