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%17.1%
1 years$158,552$157,140$155,762$154,417$153,103$148,679
2 years$78,491$77,029$75,612$74,239$72,906$68,484
3 years$51,808$50,339$48,926$47,566$46,255$41,973
4 years$38,468$37,005$35,606$34,268$32,989$28,881
5 years$30,467$29,012$27,632$26,321$25,078$21,154
6 years$25,135$23,691$22,330$21,049$19,843$16,108
7 years$21,327$19,895$18,557$17,306$16,138$12,591
8 years$18,473$17,054$15,738$14,517$13,388$10,027
9 years$16,254$14,849$13,555$12,366$11,275$8,097
10 years$14,480$13,088$11,817$10,659$9,607$6,607
11 years$13,029$11,652$10,404$9,277$8,262$5,436
12 years$11,822$10,458$9,233$8,137$7,160$4,502
13 years$10,800$9,451$8,249$7,184$6,243$3,747
14 years$9,926$8,591$7,412$6,377$5,473$3,133
15 years$9,168$7,848$6,692$5,687$4,819$2,628
16 years$8,506$7,200$6,067$5,092$4,259$2,211
17 years$7,923$6,631$5,521$4,575$3,776$1,864
18 years$7,405$6,127$5,040$4,123$3,358$1,575
19 years$6,942$5,679$4,614$3,726$2,993$1,333
20 years$6,525$5,277$4,234$3,374$2,673$1,130
21 years$6,149$4,915$3,895$3,062$2,392$959
22 years$5,808$4,588$3,590$2,784$2,144$814
23 years$5,497$4,291$3,314$2,536$1,925$692
24 years$5,212$4,021$3,065$2,313$1,730$589
25 years$4,950$3,773$2,839$2,112$1,557$501
26 years$4,709$3,546$2,633$1,931$1,402$427
27 years$4,486$3,337$2,445$1,768$1,264$363
28 years$4,279$3,145$2,273$1,620$1,141$310
29 years$4,087$2,967$2,115$1,485$1,030$264
30 years$3,908$2,802$1,970$1,363$931$225
31 years$3,741$2,649$1,837$1,252$841$192
32 years$3,585$2,506$1,714$1,151$761$164
33 years$3,438$2,373$1,600$1,058$689$140
34 years$3,301$2,249$1,495$973$624$119
35 years$3,171$2,134$1,398$896$565$102
36 years$3,049$2,025$1,308$825$512$87
37 years$2,934$1,923$1,224$760$464$74
38 years$2,825$1,828$1,146$701$421$63
39 years$2,723$1,738$1,074$646$381$54
40 years$2,625$1,654$1,006$596$346$46
41 years$2,532$1,574$944$550$314$39
42 years$2,444$1,499$885$508$285$34
43 years$2,361$1,428$831$469$258$29
44 years$2,281$1,362$780$433$235$24
45 years$2,205$1,298$732$400$213$21
46 years$2,133$1,239$688$369$193$18
47 years$2,064$1,182$646$341$176$15
48 years$1,998$1,128$607$315$159$13
49 years$1,935$1,078$571$291$145$11
50 years$1,875$1,029$536$269$132$9

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 $4,724 every year, while hoping to spend $58,135 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: 64/26/10 Blend
34$1,920,000$1,920,000$1,920,000$1,920,000
35$2,120,713$2,018,953$1,989,193$2,251,532
36$2,275,170$2,056,026$1,993,976$2,376,503
37$2,443,434$2,092,968$1,996,970$2,505,720
38$2,626,851$2,129,710$1,998,055$2,645,377
39$2,826,903$2,166,179$1,997,103$2,796,487
40$3,045,222$2,202,297$1,993,981$2,960,165
41$3,283,604$2,237,979$1,988,549$3,137,641
42$3,544,026$2,273,134$1,980,659$3,330,269
43$3,828,663$2,307,664$1,970,158$3,539,541
44$4,139,913$2,341,466$1,956,885$3,767,104
45$4,480,413$2,374,427$1,940,670$4,014,769
46$4,853,069$2,406,427$1,921,335$4,284,534
47$5,261,078$2,437,338$1,898,696$4,578,602
48$5,707,964$2,467,023$1,872,558$4,899,400
49$6,197,605$2,495,336$1,842,718$5,249,602
50$6,734,273$2,522,120$1,808,962$5,632,157
51$7,322,674$2,547,209$1,771,067$6,050,316
52$7,967,989$2,570,425$1,728,800$6,507,659
53$8,675,926$2,591,578$1,681,916$7,008,137
54$9,452,771$2,610,466$1,630,162$7,556,102
55$10,305,449$2,626,874$1,573,268$8,156,351
56$11,241,589$2,640,574$1,510,955$8,814,174
57$12,269,591$2,651,323$1,442,933$9,535,400
58$13,398,712$2,658,861$1,368,894$10,326,455
59$14,639,149$2,662,913$1,288,520$11,194,422
60$16,002,134$2,663,188$1,201,478$12,147,111
61$17,500,043$2,659,375$1,107,418$13,193,128
62$19,146,507$2,651,144$1,005,976$14,341,962
63$20,956,546$2,638,146$896,772$15,604,070
64$22,946,708$2,620,009$779,408$16,990,982
65$25,135,223$2,596,340$653,469$18,515,404
66$27,542,177$2,566,722$518,521$20,191,346
67$30,189,700$2,530,712$374,113$22,034,247
68$33,102,174$2,487,842$219,770$24,061,127
69$36,306,464$2,437,615$55,001$26,290,749
70$39,832,170$2,379,504$0$28,743,791
71$43,711,904$2,312,953$0$31,455,941
72$47,981,603$2,237,372$0$34,446,533
73$52,680,860$2,152,136$0$37,737,447
74$57,853,302$2,056,586$0$41,359,272
75$63,547,002$1,950,022$0$45,345,722
76$69,814,929$1,831,705$0$49,733,951
77$76,715,447$1,700,854$0$54,564,912
78$84,312,869$1,556,642$0$59,883,737
79$92,678,060$1,398,196$0$65,740,167
80$101,889,106$1,224,592$0$72,189,023
81$112,032,053$1,034,855$0$79,290,724
82$123,201,714$827,954$0$87,111,859
83$135,502,565$602,801$0$95,725,816
84$149,049,733$358,244$0$105,213,478
85$163,970,078$93,070$0$115,663,986
86$180,403,392$0$0$127,175,582
87$198,503,718$0$0$139,912,044
88$218,440,801$0$0$153,970,478
89$240,401,692$0$0$169,456,174
90$264,592,512$0$0$186,514,504
91$291,240,396$0$0$205,305,659
92$320,595,637$0$0$226,006,162
93$352,934,047$0$0$248,810,534
94$388,559,560$0$0$273,933,133
95$427,807,103$0$0$301,610,170
96$471,045,751$0$0$332,101,944
97$518,682,214$0$0$365,695,297
98$571,164,675$0$0$402,706,319
99$628,987,019$0$0$443,483,333
100$692,693,493$0$0$488,410,183