Can I retire at age 35 with 1,920,000?

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 $1,920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$158,552$157,140$155,762$154,417$153,103$150,320
2 years$78,491$77,029$75,612$74,239$72,906$70,112
3 years$51,808$50,339$48,926$47,566$46,255$43,536
4 years$38,468$37,005$35,606$34,268$32,989$30,368
5 years$30,467$29,012$27,632$26,321$25,078$22,561
6 years$25,135$23,691$22,330$21,049$19,843$17,434
7 years$21,327$19,895$18,557$17,306$16,138$13,837
8 years$18,473$17,054$15,738$14,517$13,388$11,194
9 years$16,254$14,849$13,555$12,366$11,275$9,187
10 years$14,480$13,088$11,817$10,659$9,607$7,624
11 years$13,029$11,652$10,404$9,277$8,262$6,381
12 years$11,822$10,458$9,233$8,137$7,160$5,378
13 years$10,800$9,451$8,249$7,184$6,243$4,559
14 years$9,926$8,591$7,412$6,377$5,473$3,882
15 years$9,168$7,848$6,692$5,687$4,819$3,318
16 years$8,506$7,200$6,067$5,092$4,259$2,846
17 years$7,923$6,631$5,521$4,575$3,776$2,447
18 years$7,405$6,127$5,040$4,123$3,358$2,109
19 years$6,942$5,679$4,614$3,726$2,993$1,821
20 years$6,525$5,277$4,234$3,374$2,673$1,575
21 years$6,149$4,915$3,895$3,062$2,392$1,365
22 years$5,808$4,588$3,590$2,784$2,144$1,183
23 years$5,497$4,291$3,314$2,536$1,925$1,027
24 years$5,212$4,021$3,065$2,313$1,730$893
25 years$4,950$3,773$2,839$2,112$1,557$776
26 years$4,709$3,546$2,633$1,931$1,402$676
27 years$4,486$3,337$2,445$1,768$1,264$588
28 years$4,279$3,145$2,273$1,620$1,141$512
29 years$4,087$2,967$2,115$1,485$1,030$447
30 years$3,908$2,802$1,970$1,363$931$389
31 years$3,741$2,649$1,837$1,252$841$340
32 years$3,585$2,506$1,714$1,151$761$296
33 years$3,438$2,373$1,600$1,058$689$259
34 years$3,301$2,249$1,495$973$624$226
35 years$3,171$2,134$1,398$896$565$197
36 years$3,049$2,025$1,308$825$512$172
37 years$2,934$1,923$1,224$760$464$150
38 years$2,825$1,828$1,146$701$421$131
39 years$2,723$1,738$1,074$646$381$115
40 years$2,625$1,654$1,006$596$346$100
41 years$2,532$1,574$944$550$314$87
42 years$2,444$1,499$885$508$285$76
43 years$2,361$1,428$831$469$258$67
44 years$2,281$1,362$780$433$235$58
45 years$2,205$1,298$732$400$213$51
46 years$2,133$1,239$688$369$193$45
47 years$2,064$1,182$646$341$176$39
48 years$1,998$1,128$607$315$159$34
49 years$1,935$1,078$571$291$145$30
50 years$1,875$1,029$536$269$132$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,920,000, adding $4,580 every year, while hoping to spend $35,301 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: 47/46/7 Blend
34$1,920,000$1,920,000$1,920,000$1,920,000
35$2,120,564$2,018,804$1,989,044$2,216,032
36$2,299,302$2,080,166$2,018,117$2,343,400
37$2,495,087$2,143,351$2,046,981$2,477,468
38$2,709,623$2,208,411$2,075,591$2,622,138
39$2,944,782$2,275,401$2,103,901$2,778,401
40$3,202,629$2,344,375$2,131,861$2,947,350
41$3,485,437$2,415,389$2,159,418$3,130,186
42$3,795,709$2,488,501$2,186,517$3,328,229
43$4,136,205$2,563,771$2,213,098$3,542,933
44$4,509,961$2,641,258$2,239,100$3,775,895
45$4,920,323$2,721,027$2,264,456$4,028,874
46$5,370,979$2,803,139$2,289,098$4,303,806
47$5,865,988$2,887,663$2,312,952$4,602,820
48$6,409,824$2,974,663$2,335,941$4,928,260
49$7,007,414$3,064,210$2,357,984$5,282,706
50$7,664,188$3,156,374$2,378,994$5,668,997
51$8,386,127$3,251,228$2,398,881$6,090,261
52$9,179,819$3,348,845$2,417,551$6,549,938
53$10,052,524$3,449,303$2,434,903$7,051,818
54$11,012,242$3,552,678$2,450,832$7,600,075
55$12,067,782$3,659,051$2,465,227$8,199,303
56$13,228,855$3,768,504$2,477,971$8,854,562
57$14,506,157$3,881,120$2,488,942$9,571,423
58$15,911,475$3,996,984$2,498,012$10,356,024
59$17,457,794$4,116,185$2,505,044$11,215,124
60$19,159,424$4,238,813$2,509,897$12,156,165
61$21,032,129$4,364,959$2,512,423$13,187,349
62$23,093,281$4,494,717$2,512,464$14,317,705
63$25,362,021$4,628,183$2,509,857$15,557,183
64$27,859,438$4,765,455$2,504,428$16,916,742
65$30,608,773$4,906,635$2,495,999$18,408,452
66$33,635,632$5,051,823$2,484,378$20,045,614
67$36,968,230$5,201,127$2,469,369$21,842,877
68$40,637,659$5,354,651$2,450,762$23,816,382
69$44,678,177$5,512,506$2,428,340$25,983,910
70$49,127,536$5,674,804$2,401,874$28,365,051
71$54,027,334$5,841,658$2,371,126$30,981,389
72$59,423,408$6,013,185$2,335,844$33,856,703
73$65,366,267$6,189,504$2,295,767$37,017,192
74$71,911,571$6,370,734$2,250,620$40,491,723
75$79,120,652$6,557,000$2,200,116$44,312,101
76$87,061,092$6,748,427$2,143,954$48,513,370
77$95,807,367$6,945,144$2,081,820$53,134,142
78$105,441,542$7,147,279$2,013,385$58,216,962
79$116,054,051$7,354,967$1,938,304$63,808,707
80$127,744,546$7,568,342$1,856,219$69,961,033
81$140,622,840$7,787,542$1,766,753$76,730,854
82$154,809,943$8,012,705$1,669,513$84,180,885
83$170,439,204$8,243,973$1,564,088$92,380,233
84$187,657,566$8,481,492$1,450,048$101,405,043
85$206,626,958$8,725,405$1,326,945$111,339,224
86$227,525,821$8,975,863$1,194,311$122,275,235
87$250,550,789$9,233,015$1,051,655$134,314,959
88$275,918,550$9,497,013$898,466$147,570,664
89$303,867,888$9,768,012$734,210$162,166,061
90$334,661,936$10,046,168$558,329$178,237,473
91$368,590,661$10,331,639$370,241$195,935,121
92$405,973,603$10,624,583$169,339$215,424,539
93$447,162,886$10,925,163$0$236,888,140
94$492,546,544$11,233,541$0$260,530,299
95$542,552,187$11,549,879$0$286,582,871
96$597,651,031$11,874,344$0$315,277,337
97$658,362,351$12,207,102$0$346,882,730
98$725,258,379$12,548,318$0$381,695,513
99$798,969,708$12,898,160$0$420,042,376
100$880,191,245$13,256,797$0$462,283,319