Can I retire at age 35 with 1,930,000?

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 $1,930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$159,378$157,958$156,573$155,221$153,901$151,414
2 years$78,900$77,430$76,006$74,625$73,286$70,787
3 years$52,077$50,602$49,181$47,813$46,496$44,063
4 years$38,669$37,198$35,791$34,447$33,161$30,813
5 years$30,626$29,163$27,775$26,458$25,209$22,952
6 years$25,265$23,814$22,447$21,159$19,947$17,784
7 years$21,438$19,999$18,653$17,396$16,222$14,154
8 years$18,569$17,143$15,819$14,593$13,458$11,484
9 years$16,339$14,926$13,625$12,430$11,333$9,453
10 years$14,555$13,156$11,879$10,715$9,657$7,868
11 years$13,097$11,712$10,458$9,325$8,305$6,607
12 years$11,883$10,512$9,281$8,179$7,197$5,586
13 years$10,857$9,500$8,292$7,221$6,276$4,751
14 years$9,977$8,635$7,451$6,410$5,501$4,059
15 years$9,216$7,889$6,727$5,717$4,844$3,482
16 years$8,551$7,238$6,099$5,119$4,281$2,996
17 years$7,964$6,666$5,550$4,599$3,796$2,586
18 years$7,443$6,159$5,066$4,145$3,375$2,237
19 years$6,978$5,708$4,638$3,745$3,008$1,939
20 years$6,559$5,305$4,256$3,392$2,687$1,683
21 years$6,181$4,941$3,915$3,078$2,405$1,463
22 years$5,838$4,612$3,608$2,799$2,155$1,274
23 years$5,525$4,314$3,332$2,549$1,935$1,110
24 years$5,239$4,042$3,081$2,325$1,739$969
25 years$4,976$3,793$2,854$2,123$1,565$846
26 years$4,733$3,565$2,647$1,941$1,410$739
27 years$4,509$3,355$2,458$1,777$1,271$646
28 years$4,302$3,161$2,285$1,628$1,147$565
29 years$4,108$2,982$2,126$1,493$1,035$494
30 years$3,929$2,816$1,980$1,370$936$433
31 years$3,761$2,662$1,846$1,258$846$379
32 years$3,604$2,519$1,723$1,157$765$332
33 years$3,456$2,386$1,608$1,064$692$291
34 years$3,318$2,261$1,503$979$627$255
35 years$3,188$2,145$1,405$901$568$224
36 years$3,065$2,036$1,314$830$515$196
37 years$2,950$1,933$1,230$764$466$172
38 years$2,840$1,837$1,152$705$423$151
39 years$2,737$1,747$1,079$650$383$132
40 years$2,639$1,662$1,012$599$348$116
41 years$2,546$1,582$949$553$315$102
42 years$2,457$1,507$890$510$286$89
43 years$2,373$1,436$835$471$260$78
44 years$2,293$1,369$784$435$236$69
45 years$2,217$1,305$736$402$214$60
46 years$2,144$1,245$691$371$194$53
47 years$2,075$1,188$649$343$176$47
48 years$2,008$1,134$610$317$160$41
49 years$1,945$1,083$574$293$146$36
50 years$1,884$1,035$539$271$132$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,930,000, adding $4,642 every year, while hoping to spend $23,753 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: 51/22/27 Blend
34$1,930,000$1,930,000$1,930,000$1,930,000
35$2,131,648$2,029,358$1,999,443$2,223,955
36$2,323,803$2,103,524$2,041,152$2,362,864
37$2,534,762$2,180,527$2,083,461$2,511,061
38$2,766,418$2,260,483$2,126,367$2,671,740
39$3,020,855$2,343,509$2,169,863$2,846,098
40$3,300,371$2,429,730$2,213,942$3,035,453
41$3,607,497$2,519,275$2,258,597$3,241,254
42$3,945,019$2,612,277$2,303,818$3,465,097
43$4,316,010$2,708,878$2,349,595$3,708,738
44$4,723,853$2,809,223$2,395,916$3,974,108
45$5,172,276$2,913,464$2,442,769$4,263,335
46$5,665,386$3,021,762$2,490,139$4,578,759
47$6,207,707$3,134,280$2,538,011$4,922,958
48$6,804,225$3,251,191$2,586,366$5,298,767
49$7,460,433$3,372,677$2,635,186$5,709,312
50$8,182,382$3,498,923$2,684,450$6,158,029
51$8,976,742$3,630,127$2,734,136$6,648,707
52$9,850,858$3,766,492$2,784,218$7,185,515
53$10,812,827$3,908,231$2,834,671$7,773,044
54$11,871,568$4,055,567$2,885,465$8,416,350
55$13,036,909$4,208,731$2,936,569$9,121,003
56$14,319,680$4,367,965$2,987,950$9,893,134
57$15,731,813$4,533,521$3,039,572$10,739,500
58$17,286,457$4,705,663$3,091,397$11,667,539
59$18,998,099$4,884,664$3,143,383$12,685,445
60$20,882,705$5,070,812$3,195,485$13,802,246
61$22,957,864$5,264,405$3,247,657$15,027,883
62$25,242,961$5,465,755$3,299,848$16,373,309
63$27,759,354$5,675,189$3,352,005$17,850,588
64$30,530,581$5,893,045$3,404,070$19,473,010
65$33,582,575$6,119,680$3,455,981$21,255,216
66$36,943,916$6,355,463$3,507,675$23,213,337
67$40,646,096$6,600,780$3,559,082$25,365,140
68$44,723,815$6,856,036$3,610,128$27,730,201
69$49,215,314$7,121,651$3,660,738$30,330,089
70$54,162,730$7,398,067$3,710,827$33,188,563
71$59,612,498$7,685,741$3,760,309$36,331,803
72$65,615,785$7,985,155$3,809,091$39,788,651
73$72,228,976$8,296,808$3,857,076$43,590,884
74$79,514,204$8,621,224$3,904,161$47,773,516
75$87,539,938$8,958,950$3,950,236$52,375,123
76$96,381,629$9,310,555$3,995,186$57,438,208
77$106,122,420$9,676,637$4,038,890$63,009,605
78$116,853,932$10,057,818$4,081,218$69,140,913
79$128,677,130$10,454,748$4,122,035$75,888,991
80$141,703,273$10,868,106$4,161,199$83,316,484
81$156,054,966$11,298,603$4,198,559$91,492,421
82$171,867,318$11,746,979$4,233,956$100,492,864
83$189,289,214$12,214,011$4,267,223$110,401,621
84$208,484,724$12,700,507$4,298,185$121,311,040
85$229,634,648$13,207,314$4,326,656$133,322,880
86$252,938,225$13,735,316$4,352,442$146,549,265
87$278,615,014$14,285,436$4,375,339$161,113,750
88$306,906,963$14,858,641$4,395,131$177,152,477
89$338,080,698$15,455,939$4,411,592$194,815,464
90$372,430,034$16,078,385$4,424,486$214,268,020
91$410,278,754$16,727,082$4,433,562$235,692,301
92$451,983,660$17,403,182$4,438,559$259,289,032
93$497,937,945$18,107,889$4,439,203$285,279,396
94$548,574,903$18,842,464$4,435,204$313,907,124
95$604,372,021$19,608,223$4,426,261$345,440,792
96$665,855,483$20,406,542$4,412,057$380,176,357
97$733,605,140$21,238,860$4,392,259$418,439,944
98$808,259,983$22,106,682$4,366,517$460,590,931
99$890,524,173$23,011,582$4,334,468$507,025,332
100$981,173,694$23,955,205$4,295,728$558,179,539