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

Use the below retirement simulation to view the chances of a successful retirement.
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%19.5%
1 years$156,900$155,503$154,139$152,808$151,509$145,728
2 years$77,673$76,227$74,825$73,465$72,147$66,391
3 years$51,268$49,815$48,417$47,070$45,773$40,223
4 years$38,068$36,619$35,235$33,911$32,646$27,344
5 years$30,150$28,710$27,344$26,047$24,817$19,776
6 years$24,873$23,444$22,098$20,830$19,637$14,862
7 years$21,105$19,688$18,363$17,126$15,970$11,459
8 years$18,280$16,876$15,574$14,366$13,249$8,997
9 years$16,085$14,694$13,414$12,237$11,157$7,159
10 years$14,329$12,952$11,694$10,548$9,506$5,754
11 years$12,894$11,530$10,295$9,180$8,176$4,661
12 years$11,698$10,349$9,137$8,052$7,085$3,799
13 years$10,688$9,353$8,163$7,109$6,178$3,111
14 years$9,822$8,501$7,335$6,310$5,416$2,558
15 years$9,073$7,766$6,622$5,628$4,769$2,109
16 years$8,418$7,125$6,004$5,039$4,214$1,744
17 years$7,840$6,562$5,463$4,528$3,737$1,445
18 years$7,328$6,064$4,987$4,080$3,323$1,199
19 years$6,869$5,620$4,566$3,687$2,962$997
20 years$6,457$5,222$4,190$3,339$2,645$829
21 years$6,085$4,864$3,854$3,031$2,367$691
22 years$5,747$4,540$3,552$2,755$2,122$576
23 years$5,439$4,247$3,280$2,509$1,905$480
24 years$5,157$3,979$3,033$2,289$1,712$401
25 years$4,898$3,734$2,809$2,090$1,541$335
26 years$4,660$3,509$2,606$1,911$1,388$279
27 years$4,439$3,303$2,420$1,749$1,251$233
28 years$4,235$3,112$2,249$1,603$1,129$195
29 years$4,045$2,936$2,093$1,470$1,019$163
30 years$3,868$2,773$1,950$1,349$921$136
31 years$3,702$2,621$1,818$1,239$833$114
32 years$3,548$2,480$1,696$1,139$753$95
33 years$3,403$2,349$1,583$1,047$682$80
34 years$3,266$2,226$1,479$963$617$67
35 years$3,138$2,111$1,383$887$559$56
36 years$3,018$2,004$1,294$817$507$47
37 years$2,904$1,903$1,211$752$459$39
38 years$2,796$1,809$1,134$694$416$33
39 years$2,694$1,720$1,063$640$377$27
40 years$2,598$1,636$996$590$342$23
41 years$2,506$1,558$934$544$311$19
42 years$2,419$1,484$876$502$282$16
43 years$2,336$1,414$822$464$256$13
44 years$2,257$1,347$772$428$232$11
45 years$2,182$1,285$725$395$211$9
46 years$2,111$1,226$681$365$191$8
47 years$2,043$1,170$639$337$174$7
48 years$1,977$1,117$601$312$158$5
49 years$1,915$1,066$565$288$143$5
50 years$1,855$1,019$531$266$130$4

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 $6,595 every year, while hoping to spend $55,363 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: 59/22/19 Blend
34$1,900,000$1,900,000$1,900,000$1,900,000
35$2,100,603$1,999,903$1,970,453$2,213,709
36$2,255,958$2,038,992$1,977,557$2,330,216
37$2,425,305$2,078,141$1,983,044$2,450,577
38$2,610,011$2,117,295$1,986,801$2,580,591
39$2,811,582$2,156,393$1,988,709$2,721,199
40$3,031,677$2,195,370$1,988,645$2,873,440
41$3,272,122$2,234,157$1,986,477$3,038,460
42$3,534,925$2,272,677$1,982,071$3,217,522
43$3,822,299$2,310,850$1,975,282$3,412,016
44$4,136,679$2,348,587$1,965,960$3,623,476
45$4,480,749$2,385,796$1,953,948$3,853,595
46$4,857,460$2,422,375$1,939,080$4,104,238
47$5,270,066$2,458,216$1,921,184$4,377,459
48$5,722,147$2,493,204$1,900,078$4,675,525
49$6,217,649$2,527,214$1,875,574$5,000,935
50$6,760,915$2,560,113$1,847,471$5,356,445
51$7,356,730$2,591,760$1,815,563$5,745,091
52$8,010,363$2,622,003$1,779,631$6,170,222
53$8,727,619$2,650,680$1,739,448$6,635,531
54$9,514,891$2,677,618$1,694,774$7,145,087
55$10,379,223$2,702,634$1,645,362$7,703,379
56$11,328,371$2,725,531$1,590,949$8,315,354
57$12,370,882$2,746,099$1,531,263$8,986,468
58$13,516,170$2,764,116$1,466,019$9,722,733
59$14,774,607$2,779,345$1,394,918$10,530,780
60$16,157,618$2,791,534$1,317,648$11,417,918
61$17,677,789$2,800,413$1,233,884$12,392,206
62$19,348,989$2,805,699$1,143,284$13,462,528
63$21,186,496$2,807,088$1,045,494$14,638,677
64$23,207,141$2,804,258$940,141$15,931,451
65$25,429,470$2,796,868$826,837$17,352,753
66$27,873,916$2,784,554$705,175$18,915,703
67$30,562,991$2,766,932$574,734$20,634,768
68$33,521,497$2,743,594$435,069$22,525,894
69$36,776,766$2,714,106$285,720$24,606,660
70$40,358,909$2,678,009$126,204$26,896,443
71$44,301,103$2,634,818$0$29,416,604
72$48,639,908$2,584,016$0$32,199,618
73$53,415,603$2,525,057$0$35,290,399
74$58,672,574$2,457,364$0$38,692,058
75$64,459,726$2,380,325$0$42,436,252
76$70,830,948$2,293,291$0$46,557,867
77$77,845,619$2,195,576$0$51,095,351
78$85,569,169$2,086,456$0$56,091,078
79$94,073,694$1,965,163$0$61,591,746
80$103,438,640$1,830,885$0$67,648,820
81$113,751,548$1,682,764$0$74,319,018
82$125,108,880$1,519,894$0$81,664,849
83$137,616,933$1,341,316$0$89,755,203
84$151,392,836$1,146,016$0$98,665,999
85$166,565,658$932,924$0$108,480,909
86$183,277,627$700,909$0$119,292,143
87$201,685,469$448,777$0$131,201,325
88$221,961,886$175,267$0$144,320,451
89$244,297,190$0$0$158,772,949
90$268,901,093$0$0$174,724,125
91$296,004,690$0$0$192,342,878
92$325,862,638$0$0$211,752,345
93$358,755,560$0$0$233,134,978
94$394,992,690$0$0$256,691,833
95$434,914,795$0$0$282,644,465
96$478,897,389$0$0$311,237,022
97$527,354,279$0$0$342,738,550
98$580,741,466$0$0$377,445,526
99$639,561,453$0$0$415,684,665
100$704,367,986$0$0$457,815,997