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

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 $1,920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$158,552$157,140$155,762$154,417$153,103$147,495
2 years$78,491$77,029$75,612$74,239$72,906$67,319
3 years$51,808$50,339$48,926$47,566$46,255$40,863
4 years$38,468$37,005$35,606$34,268$32,989$27,835
5 years$30,467$29,012$27,632$26,321$25,078$20,174
6 years$25,135$23,691$22,330$21,049$19,843$15,194
7 years$21,327$19,895$18,557$17,306$16,138$11,742
8 years$18,473$17,054$15,738$14,517$13,388$9,241
9 years$16,254$14,849$13,555$12,366$11,275$7,371
10 years$14,480$13,088$11,817$10,659$9,607$5,940
11 years$13,029$11,652$10,404$9,277$8,262$4,824
12 years$11,822$10,458$9,233$8,137$7,160$3,942
13 years$10,800$9,451$8,249$7,184$6,243$3,237
14 years$9,926$8,591$7,412$6,377$5,473$2,669
15 years$9,168$7,848$6,692$5,687$4,819$2,207
16 years$8,506$7,200$6,067$5,092$4,259$1,830
17 years$7,923$6,631$5,521$4,575$3,776$1,521
18 years$7,405$6,127$5,040$4,123$3,358$1,266
19 years$6,942$5,679$4,614$3,726$2,993$1,056
20 years$6,525$5,277$4,234$3,374$2,673$881
21 years$6,149$4,915$3,895$3,062$2,392$736
22 years$5,808$4,588$3,590$2,784$2,144$615
23 years$5,497$4,291$3,314$2,536$1,925$515
24 years$5,212$4,021$3,065$2,313$1,730$431
25 years$4,950$3,773$2,839$2,112$1,557$361
26 years$4,709$3,546$2,633$1,931$1,402$303
27 years$4,486$3,337$2,445$1,768$1,264$254
28 years$4,279$3,145$2,273$1,620$1,141$213
29 years$4,087$2,967$2,115$1,485$1,030$178
30 years$3,908$2,802$1,970$1,363$931$150
31 years$3,741$2,649$1,837$1,252$841$125
32 years$3,585$2,506$1,714$1,151$761$105
33 years$3,438$2,373$1,600$1,058$689$88
34 years$3,301$2,249$1,495$973$624$74
35 years$3,171$2,134$1,398$896$565$62
36 years$3,049$2,025$1,308$825$512$52
37 years$2,934$1,923$1,224$760$464$44
38 years$2,825$1,828$1,146$701$421$37
39 years$2,723$1,738$1,074$646$381$31
40 years$2,625$1,654$1,006$596$346$26
41 years$2,532$1,574$944$550$314$22
42 years$2,444$1,499$885$508$285$18
43 years$2,361$1,428$831$469$258$15
44 years$2,281$1,362$780$433$235$13
45 years$2,205$1,298$732$400$213$11
46 years$2,133$1,239$688$369$193$9
47 years$2,064$1,182$646$341$176$8
48 years$1,998$1,128$607$315$159$6
49 years$1,935$1,078$571$291$145$5
50 years$1,875$1,029$536$269$132$5

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 $4,006 every year, while hoping to spend $23,866 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: 33/41/26 Blend
34$1,920,000$1,920,000$1,920,000$1,920,000
35$2,119,972$2,018,212$1,988,452$2,173,021
36$2,310,816$2,091,711$2,029,672$2,286,955
37$2,520,326$2,168,012$2,071,473$2,407,244
38$2,750,381$2,247,226$2,113,849$2,536,413
39$3,003,051$2,329,471$2,156,794$2,675,265
40$3,280,615$2,414,868$2,200,299$2,824,677
41$3,585,585$2,503,544$2,244,357$2,985,616
42$3,920,728$2,595,631$2,288,956$3,159,143
43$4,289,092$2,691,267$2,334,085$3,346,421
44$4,694,035$2,790,595$2,379,733$3,548,730
45$5,139,258$2,893,765$2,425,885$3,767,478
46$5,628,835$3,000,932$2,472,526$4,004,208
47$6,167,259$3,112,261$2,519,638$4,260,620
48$6,759,477$3,227,919$2,567,203$4,538,581
49$7,410,940$3,348,084$2,615,202$4,840,145
50$8,127,656$3,472,940$2,663,611$5,167,567
51$8,916,242$3,602,679$2,712,407$5,523,333
52$9,783,990$3,737,502$2,761,564$5,910,173
53$10,738,935$3,877,617$2,811,054$6,331,091
54$11,789,929$4,023,242$2,860,846$6,789,392
55$12,946,726$4,174,606$2,910,909$7,288,712
56$14,220,074$4,331,944$2,961,207$7,833,053
57$15,621,817$4,495,504$3,011,703$8,426,818
58$17,165,004$4,665,545$3,062,356$9,074,853
59$18,864,012$4,842,335$3,113,123$9,782,491
60$20,734,688$5,026,156$3,163,959$10,555,602
61$22,794,488$5,217,300$3,214,814$11,400,648
62$25,062,651$5,416,073$3,265,635$12,324,744
63$27,560,376$5,622,794$3,316,368$13,335,719
64$30,311,020$5,837,797$3,366,952$14,442,197
65$33,340,324$6,061,429$3,417,325$15,653,670
66$36,676,650$6,294,052$3,467,419$16,980,591
67$40,351,254$6,536,046$3,517,162$18,434,470
68$44,398,575$6,787,806$3,566,481$20,027,981
69$48,856,565$7,049,743$3,615,293$21,775,082
70$53,767,044$7,322,290$3,663,515$23,691,143
71$59,176,095$7,605,896$3,711,056$25,793,092
72$65,134,502$7,901,029$3,757,821$28,099,575
73$71,698,223$8,208,182$3,803,710$30,631,124
74$78,928,924$8,527,864$3,848,616$33,410,357
75$86,894,557$8,860,612$3,892,427$36,462,186
76$95,670,003$9,206,984$3,935,025$39,814,049
77$105,337,779$9,567,562$3,976,284$43,496,173
78$115,988,815$9,942,955$4,016,073$47,541,852
79$127,723,315$10,333,801$4,054,252$51,987,762
80$140,651,698$10,740,762$4,090,674$56,874,304
81$154,895,645$11,164,533$4,125,186$62,245,987
82$170,589,246$11,605,840$4,157,624$68,151,841
83$187,880,262$12,065,439$4,187,818$74,645,883
84$206,931,526$12,544,123$4,215,586$81,787,619
85$227,922,474$13,042,718$4,240,741$89,642,608
86$251,050,843$13,562,087$4,263,082$98,283,078
87$276,534,534$14,103,135$4,282,401$107,788,603
88$304,613,671$14,666,803$4,298,476$118,246,853
89$335,552,868$15,254,079$4,311,078$129,754,420
90$369,643,724$15,865,992$4,319,962$142,417,724
91$407,207,578$16,503,620$4,324,875$156,354,019
92$448,598,541$17,168,087$4,325,548$171,692,493
93$494,206,839$17,860,571$4,321,702$188,575,488
94$544,462,499$18,582,301$4,313,040$207,159,835
95$599,839,402$19,334,562$4,299,256$227,618,337
96$660,859,764$20,118,698$4,280,024$250,141,395
97$728,099,060$20,936,115$4,255,005$274,938,798
98$802,191,460$21,788,280$4,223,843$302,241,706
99$883,835,813$22,676,730$4,186,166$332,304,823
100$973,802,246$23,603,070$4,141,582$365,408,798