Can I retire at age 35 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$157,726$156,321$154,950$153,612$152,306$151,664
2 years$78,082$76,628$75,219$73,852$72,527$71,879
3 years$51,538$50,077$48,671$47,318$46,014$45,380
4 years$38,268$36,812$35,420$34,090$32,818$32,202
5 years$30,308$28,861$27,488$26,184$24,947$24,353
6 years$25,004$23,567$22,214$20,940$19,740$19,167
7 years$21,216$19,792$18,460$17,216$16,054$15,502
8 years$18,377$16,965$15,656$14,442$13,318$12,788
9 years$16,169$14,771$13,484$12,301$11,216$10,708
10 years$14,405$13,020$11,756$10,604$9,557$9,070
11 years$12,962$11,591$10,350$9,228$8,219$7,753
12 years$11,760$10,404$9,185$8,095$7,122$6,677
13 years$10,744$9,402$8,206$7,146$6,211$5,786
14 years$9,874$8,546$7,373$6,344$5,444$5,040
15 years$9,121$7,807$6,657$5,657$4,794$4,408
16 years$8,462$7,163$6,036$5,066$4,237$3,870
17 years$7,882$6,597$5,492$4,551$3,756$3,408
18 years$7,366$6,095$5,014$4,102$3,340$3,009
19 years$6,906$5,649$4,590$3,706$2,977$2,664
20 years$6,491$5,250$4,212$3,357$2,659$2,362
21 years$6,117$4,890$3,874$3,046$2,380$2,099
22 years$5,778$4,564$3,571$2,770$2,133$1,867
23 years$5,468$4,269$3,297$2,523$1,915$1,664
24 years$5,185$4,000$3,049$2,301$1,721$1,484
25 years$4,924$3,754$2,824$2,101$1,549$1,326
26 years$4,684$3,528$2,619$1,921$1,395$1,185
27 years$4,463$3,320$2,432$1,759$1,258$1,060
28 years$4,257$3,128$2,261$1,611$1,135$949
29 years$4,066$2,951$2,104$1,478$1,025$850
30 years$3,888$2,787$1,960$1,356$926$762
31 years$3,722$2,635$1,827$1,245$837$683
32 years$3,566$2,493$1,705$1,145$757$613
33 years$3,421$2,361$1,592$1,052$685$550
34 years$3,284$2,238$1,487$968$620$494
35 years$3,155$2,122$1,391$891$562$444
36 years$3,034$2,014$1,301$821$509$399
37 years$2,919$1,913$1,218$756$461$359
38 years$2,811$1,818$1,140$697$418$322
39 years$2,708$1,729$1,068$643$379$290
40 years$2,611$1,645$1,001$593$344$261
41 years$2,519$1,566$939$547$312$234
42 years$2,432$1,491$881$505$283$211
43 years$2,349$1,421$826$466$257$190
44 years$2,269$1,354$776$430$233$171
45 years$2,194$1,292$728$397$212$154
46 years$2,122$1,232$684$367$192$138
47 years$2,053$1,176$643$339$175$125
48 years$1,988$1,122$604$313$159$112
49 years$1,925$1,072$568$290$144$101
50 years$1,865$1,024$534$268$131$91

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,910,000, adding $2,823 every year, while hoping to spend $35,193 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: 53/25/22 Blend
34$1,910,000$1,910,000$1,910,000$1,910,000
35$2,107,732$2,006,502$1,976,897$2,206,520
36$2,285,276$2,067,375$2,005,678$2,335,697
37$2,479,749$2,130,052$2,034,244$2,472,300
38$2,692,842$2,194,584$2,062,549$2,620,208
39$2,926,416$2,261,022$2,090,549$2,780,511
40$3,182,519$2,329,421$2,118,191$2,954,409
41$3,463,410$2,399,837$2,145,424$3,143,223
42$3,771,575$2,472,325$2,172,193$3,348,408
43$4,109,751$2,546,945$2,198,437$3,571,564
44$4,480,956$2,623,755$2,224,095$3,814,455
45$4,888,512$2,702,818$2,249,100$4,079,023
46$5,336,079$2,784,195$2,273,385$4,367,407
47$5,827,690$2,867,952$2,296,874$4,681,962
48$6,367,786$2,954,153$2,319,491$5,025,281
49$6,961,261$3,042,867$2,341,154$5,400,223
50$7,613,505$3,134,163$2,361,778$5,809,934
51$8,330,457$3,228,111$2,381,272$6,257,882
52$9,118,659$3,324,785$2,399,541$6,747,884
53$9,985,321$3,424,258$2,416,484$7,284,149
54$10,938,384$3,526,607$2,431,997$7,871,310
55$11,986,599$3,631,909$2,445,967$8,514,474
56$13,139,604$3,740,246$2,458,280$9,219,266
57$14,408,024$3,851,697$2,468,812$9,991,883
58$15,803,559$3,966,348$2,477,434$10,839,154
59$17,339,106$4,084,282$2,484,012$11,768,601
60$19,028,871$4,205,588$2,488,403$12,788,514
61$20,888,509$4,330,356$2,490,458$13,908,024
62$22,935,269$4,458,675$2,490,020$15,137,196
63$25,188,157$4,590,641$2,486,926$16,487,117
64$27,668,115$4,726,348$2,481,004$17,970,004
65$30,398,217$4,865,893$2,472,072$19,599,320
66$33,403,890$5,009,377$2,459,941$21,389,898
67$36,713,151$5,156,901$2,444,414$23,358,083
68$40,356,872$5,308,568$2,425,281$25,521,886
69$44,369,070$5,464,485$2,402,325$27,901,155
70$48,787,230$5,624,760$2,375,318$30,517,758
71$53,652,657$5,789,502$2,344,020$33,395,796
72$59,010,864$5,958,824$2,308,181$36,561,824
73$64,912,006$6,132,841$2,267,539$40,045,106
74$71,411,349$6,311,668$2,221,820$43,877,888
75$78,569,792$6,495,425$2,170,736$48,095,706
76$86,454,442$6,684,233$2,113,988$52,737,718
77$95,139,249$6,878,213$2,051,259$57,847,076
78$104,705,699$7,077,492$1,982,223$63,471,331
79$115,243,587$7,282,197$1,906,535$69,662,884
80$126,851,865$7,492,456$1,823,835$76,479,481
81$139,639,569$7,708,401$1,733,748$83,984,757
82$153,726,858$7,930,164$1,635,881$92,248,834
83$169,246,137$8,157,882$1,529,823$101,348,991
84$186,343,315$8,391,691$1,415,144$111,370,385
85$205,179,180$8,631,730$1,291,398$122,406,858
86$225,930,910$8,878,139$1,158,114$134,561,828
87$248,793,757$9,131,062$1,014,804$147,949,256
88$273,982,877$9,390,641$860,957$162,694,731
89$301,735,370$9,657,022$696,039$178,936,649
90$332,312,515$9,930,353$519,493$196,827,526
91$366,002,232$10,210,781$330,737$216,535,431
92$403,121,807$10,498,456$129,164$238,245,579
93$444,020,879$10,793,529$0$262,162,077
94$489,084,748$11,096,150$0$288,530,029
95$538,738,004$11,406,473$0$317,610,797
96$593,448,540$11,724,650$0$349,647,344
97$653,731,967$12,050,834$0$384,940,859
98$720,156,482$12,385,180$0$423,823,241
99$793,348,229$12,727,839$0$466,660,235
100$873,997,211$13,078,966$0$513,854,884