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%15%
1 years$159,378$157,958$156,573$155,221$153,901$150,732
2 years$78,900$77,430$76,006$74,625$73,286$70,108
3 years$52,077$50,602$49,181$47,813$46,496$43,407
4 years$38,669$37,198$35,791$34,447$33,161$30,186
5 years$30,626$29,163$27,775$26,458$25,209$22,356
6 years$25,265$23,814$22,447$21,159$19,947$17,219
7 years$21,438$19,999$18,653$17,396$16,222$13,620
8 years$18,569$17,143$15,819$14,593$13,458$10,981
9 years$16,339$14,926$13,625$12,430$11,333$8,980
10 years$14,555$13,156$11,879$10,715$9,657$7,424
11 years$13,097$11,712$10,458$9,325$8,305$6,190
12 years$11,883$10,512$9,281$8,179$7,197$5,197
13 years$10,857$9,500$8,292$7,221$6,276$4,388
14 years$9,977$8,635$7,451$6,410$5,501$3,721
15 years$9,216$7,889$6,727$5,717$4,844$3,168
16 years$8,551$7,238$6,099$5,119$4,281$2,705
17 years$7,964$6,666$5,550$4,599$3,796$2,316
18 years$7,443$6,159$5,066$4,145$3,375$1,988
19 years$6,978$5,708$4,638$3,745$3,008$1,709
20 years$6,559$5,305$4,256$3,392$2,687$1,471
21 years$6,181$4,941$3,915$3,078$2,405$1,269
22 years$5,838$4,612$3,608$2,799$2,155$1,095
23 years$5,525$4,314$3,332$2,549$1,935$946
24 years$5,239$4,042$3,081$2,325$1,739$818
25 years$4,976$3,793$2,854$2,123$1,565$708
26 years$4,733$3,565$2,647$1,941$1,410$613
27 years$4,509$3,355$2,458$1,777$1,271$532
28 years$4,302$3,161$2,285$1,628$1,147$461
29 years$4,108$2,982$2,126$1,493$1,035$400
30 years$3,929$2,816$1,980$1,370$936$347
31 years$3,761$2,662$1,846$1,258$846$301
32 years$3,604$2,519$1,723$1,157$765$261
33 years$3,456$2,386$1,608$1,064$692$227
34 years$3,318$2,261$1,503$979$627$197
35 years$3,188$2,145$1,405$901$568$171
36 years$3,065$2,036$1,314$830$515$149
37 years$2,950$1,933$1,230$764$466$129
38 years$2,840$1,837$1,152$705$423$112
39 years$2,737$1,747$1,079$650$383$97
40 years$2,639$1,662$1,012$599$348$85
41 years$2,546$1,582$949$553$315$74
42 years$2,457$1,507$890$510$286$64
43 years$2,373$1,436$835$471$260$56
44 years$2,293$1,369$784$435$236$48
45 years$2,217$1,305$736$402$214$42
46 years$2,144$1,245$691$371$194$37
47 years$2,075$1,188$649$343$176$32
48 years$2,008$1,134$610$317$160$28
49 years$1,945$1,083$574$293$146$24
50 years$1,884$1,035$539$271$132$21

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 $6,303 every year, while hoping to spend $21,771 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: 42/45/13 Blend
34$1,930,000$1,930,000$1,930,000$1,930,000
35$2,133,362$2,031,072$2,001,157$2,214,588
36$2,327,800$2,107,430$2,045,031$2,348,575
37$2,541,342$2,186,800$2,089,646$2,490,923
38$2,775,912$2,269,307$2,135,002$2,644,584
39$3,033,633$2,355,080$2,181,102$2,810,604
40$3,316,839$2,444,255$2,227,945$2,990,128
41$3,628,107$2,536,974$2,275,532$3,184,414
42$3,970,272$2,633,384$2,323,860$3,394,844
43$4,346,460$2,733,639$2,372,929$3,622,937
44$4,760,111$2,837,900$2,422,735$3,870,363
45$5,215,020$2,946,335$2,473,274$4,138,954
46$5,715,365$3,059,118$2,524,542$4,430,728
47$6,265,750$3,176,433$2,576,532$4,747,901
48$6,871,248$3,298,470$2,629,237$5,092,909
49$7,537,449$3,425,427$2,682,649$5,468,434
50$8,270,509$3,557,514$2,736,759$5,877,421
51$9,077,216$3,694,947$2,791,555$6,323,112
52$9,965,044$3,837,952$2,847,025$6,809,073
53$10,942,233$3,986,766$2,903,154$7,339,227
54$12,017,859$4,141,635$2,959,928$7,917,889
55$13,201,923$4,302,818$3,017,328$8,549,808
56$14,505,447$4,470,584$3,075,336$9,240,209
57$15,940,573$4,645,213$3,133,930$9,994,843
58$17,520,682$4,826,999$3,193,088$10,820,038
59$19,260,519$5,016,250$3,252,784$11,722,761
60$21,176,331$5,213,284$3,312,991$12,710,677
61$23,286,019$5,418,438$3,373,678$13,792,228
62$25,609,310$5,632,059$3,434,814$14,976,704
63$28,167,944$5,854,514$3,496,364$16,274,334
64$30,985,872$6,086,183$3,558,290$17,696,380
65$34,089,490$6,327,465$3,620,552$19,255,242
66$37,507,884$6,578,776$3,683,106$20,964,571
67$41,273,103$6,840,551$3,745,906$22,839,402
68$45,420,466$7,113,245$3,808,900$24,896,288
69$49,988,892$7,397,332$3,872,037$27,153,461
70$55,021,267$7,693,310$3,935,258$29,630,996
71$60,564,849$8,001,695$3,998,502$32,351,003
72$66,671,717$8,323,031$4,061,705$35,337,833
73$73,399,256$8,657,884$4,124,796$38,618,306
74$80,810,706$9,006,846$4,187,702$42,221,960
75$88,975,752$9,370,535$4,250,345$46,181,330
76$97,971,188$9,749,600$4,312,640$50,532,254
77$107,881,635$10,144,716$4,374,499$55,314,205
78$118,800,345$10,556,591$4,435,828$60,570,667
79$130,830,079$10,985,963$4,496,527$66,349,535
80$144,084,077$11,433,605$4,556,491$72,703,573
81$158,687,127$11,900,326$4,615,608$79,690,905
82$174,776,742$12,386,969$4,673,758$87,375,559
83$192,504,458$12,894,420$4,730,818$95,828,074
84$212,037,268$13,423,601$4,786,655$105,126,159
85$233,559,190$13,975,479$4,841,129$115,355,422
86$257,273,013$14,551,063$4,894,093$126,610,179
87$283,402,206$15,151,411$4,945,391$138,994,339
88$312,193,029$15,777,627$4,994,859$152,622,381
89$343,916,854$16,430,868$5,042,323$167,620,429
90$378,872,734$17,112,341$5,087,602$184,127,443
91$417,390,220$17,823,312$5,130,503$202,296,524
92$459,832,471$18,565,104$5,170,824$222,296,353
93$506,599,689$19,339,099$5,208,352$244,312,786
94$558,132,888$20,146,746$5,242,863$268,550,594
95$614,918,064$20,989,558$5,274,120$295,235,399
96$677,490,780$21,869,120$5,301,877$324,615,797
97$746,441,223$22,787,090$5,325,873$356,965,696
98$822,419,771$23,745,201$5,345,833$392,586,901
99$906,143,140$24,745,268$5,361,471$431,811,953
100$998,401,145$25,789,190$5,372,484$475,007,268