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

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 $1,930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$159,378$157,958$156,573$155,221$153,901$152,739
2 years$78,900$77,430$76,006$74,625$73,286$72,115
3 years$52,077$50,602$49,181$47,813$46,496$45,351
4 years$38,669$37,198$35,791$34,447$33,161$32,052
5 years$30,626$29,163$27,775$26,458$25,209$24,138
6 years$25,265$23,814$22,447$21,159$19,947$18,917
7 years$21,438$19,999$18,653$17,396$16,222$15,233
8 years$18,569$17,143$15,819$14,593$13,458$12,509
9 years$16,339$14,926$13,625$12,430$11,333$10,425
10 years$14,555$13,156$11,879$10,715$9,657$8,788
11 years$13,097$11,712$10,458$9,325$8,305$7,476
12 years$11,883$10,512$9,281$8,179$7,197$6,406
13 years$10,857$9,500$8,292$7,221$6,276$5,523
14 years$9,977$8,635$7,451$6,410$5,501$4,785
15 years$9,216$7,889$6,727$5,717$4,844$4,164
16 years$8,551$7,238$6,099$5,119$4,281$3,635
17 years$7,964$6,666$5,550$4,599$3,796$3,184
18 years$7,443$6,159$5,066$4,145$3,375$2,796
19 years$6,978$5,708$4,638$3,745$3,008$2,460
20 years$6,559$5,305$4,256$3,392$2,687$2,169
21 years$6,181$4,941$3,915$3,078$2,405$1,916
22 years$5,838$4,612$3,608$2,799$2,155$1,695
23 years$5,525$4,314$3,332$2,549$1,935$1,501
24 years$5,239$4,042$3,081$2,325$1,739$1,331
25 years$4,976$3,793$2,854$2,123$1,565$1,181
26 years$4,733$3,565$2,647$1,941$1,410$1,049
27 years$4,509$3,355$2,458$1,777$1,271$933
28 years$4,302$3,161$2,285$1,628$1,147$830
29 years$4,108$2,982$2,126$1,493$1,035$739
30 years$3,929$2,816$1,980$1,370$936$658
31 years$3,761$2,662$1,846$1,258$846$586
32 years$3,604$2,519$1,723$1,157$765$523
33 years$3,456$2,386$1,608$1,064$692$466
34 years$3,318$2,261$1,503$979$627$416
35 years$3,188$2,145$1,405$901$568$371
36 years$3,065$2,036$1,314$830$515$331
37 years$2,950$1,933$1,230$764$466$295
38 years$2,840$1,837$1,152$705$423$264
39 years$2,737$1,747$1,079$650$383$236
40 years$2,639$1,662$1,012$599$348$210
41 years$2,546$1,582$949$553$315$188
42 years$2,457$1,507$890$510$286$168
43 years$2,373$1,436$835$471$260$150
44 years$2,293$1,369$784$435$236$134
45 years$2,217$1,305$736$402$214$120
46 years$2,144$1,245$691$371$194$107
47 years$2,075$1,188$649$343$176$96
48 years$2,008$1,134$610$317$160$86
49 years$1,945$1,083$574$293$146$77
50 years$1,884$1,035$539$271$132$68

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 $4,230 every year, while hoping to spend $50,011 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: 78/9/13 Blend
34$1,930,000$1,930,000$1,930,000$1,930,000
35$2,131,223$2,028,933$1,999,018$2,291,659
36$2,295,397$2,075,140$2,012,774$2,444,071
37$2,474,640$2,121,934$2,025,314$2,604,392
38$2,670,437$2,169,292$2,036,546$2,778,824
39$2,884,421$2,217,188$2,046,371$2,968,756
40$3,118,393$2,265,591$2,054,685$3,175,718
41$3,374,332$2,314,468$2,061,379$3,401,394
42$3,654,419$2,363,782$2,066,341$3,647,642
43$3,961,057$2,413,494$2,069,451$3,916,504
44$4,296,889$2,463,560$2,070,581$4,210,235
45$4,664,827$2,513,930$2,069,602$4,531,314
46$5,068,080$2,564,553$2,066,374$4,882,475
47$5,510,179$2,615,370$2,060,752$5,266,729
48$5,995,014$2,666,320$2,052,584$5,687,395
49$6,526,870$2,717,335$2,041,710$6,148,128
50$7,110,467$2,768,341$2,027,964$6,652,955
51$7,751,004$2,819,259$2,011,170$7,206,314
52$8,454,206$2,870,002$1,991,144$7,813,094
53$9,226,382$2,920,479$1,967,694$8,478,684
54$10,074,480$2,970,590$1,940,619$9,209,019
55$11,006,155$3,020,226$1,909,707$10,010,641
56$12,029,839$3,069,274$1,874,739$10,890,758
57$13,154,822$3,117,608$1,835,482$11,857,313
58$14,391,339$3,165,095$1,791,695$12,919,057
59$15,750,663$3,211,593$1,743,125$14,085,636
60$17,245,219$3,256,949$1,689,508$15,367,676
61$18,888,691$3,300,999$1,630,566$16,776,890
62$20,696,157$3,343,567$1,566,009$18,326,182
63$22,684,230$3,384,468$1,495,536$20,029,776
64$24,871,215$3,423,500$1,418,830$21,903,341
65$27,277,278$3,460,450$1,335,560$23,964,150
66$29,924,639$3,495,091$1,245,379$26,231,234
67$32,837,780$3,527,179$1,147,928$28,725,566
68$36,043,679$3,556,455$1,042,828$31,470,258
69$39,572,057$3,582,644$929,686$34,490,781
70$43,455,665$3,605,452$808,088$37,815,203
71$47,730,589$3,624,566$677,606$41,474,456
72$52,436,593$3,639,653$537,790$45,502,627
73$57,617,490$3,650,361$388,171$49,937,280
74$63,321,559$3,656,313$228,258$54,819,812
75$69,601,995$3,657,110$57,542$60,195,843
76$76,517,417$3,652,327$0$66,115,649
77$84,132,417$3,641,514$0$72,651,920
78$92,518,169$3,624,194$0$79,858,067
79$101,753,102$3,599,859$0$87,793,464
80$111,923,637$3,567,970$0$96,532,346
81$123,125,006$3,527,959$0$106,156,515
82$135,462,146$3,479,219$0$116,756,115
83$149,050,695$3,421,111$0$128,430,480
84$164,018,075$3,352,954$0$141,289,075
85$180,504,700$3,274,030$0$155,452,526
86$198,665,300$3,183,578$0$171,053,759
87$218,670,378$3,080,791$0$188,239,256
88$240,707,822$2,964,816$0$207,170,437
89$264,984,678$2,834,749$0$228,025,184
90$291,729,099$2,689,636$0$250,999,520
91$321,192,505$2,528,466$0$276,309,457
92$353,651,950$2,350,170$0$304,193,040
93$389,412,739$2,153,619$0$334,912,589
94$428,811,310$1,937,617$0$368,757,180
95$472,218,407$1,700,904$0$406,045,370
96$520,042,580$1,442,144$0$447,128,206
97$572,734,043$1,159,929$0$492,392,540
98$630,788,920$852,770$0$542,264,679
99$694,753,928$519,094$0$597,214,412
100$765,231,540$157,241$0$657,759,441