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%12.3%
1 years$159,378$157,958$156,573$155,221$153,901$152,421
2 years$78,900$77,430$76,006$74,625$73,286$71,795
3 years$52,077$50,602$49,181$47,813$46,496$45,040
4 years$38,669$37,198$35,791$34,447$33,161$31,752
5 years$30,626$29,163$27,775$26,458$25,209$23,850
6 years$25,265$23,814$22,447$21,159$19,947$18,640
7 years$21,438$19,999$18,653$17,396$16,222$14,969
8 years$18,569$17,143$15,819$14,593$13,458$12,257
9 years$16,339$14,926$13,625$12,430$11,333$10,185
10 years$14,555$13,156$11,879$10,715$9,657$8,560
11 years$13,097$11,712$10,458$9,325$8,305$7,260
12 years$11,883$10,512$9,281$8,179$7,197$6,202
13 years$10,857$9,500$8,292$7,221$6,276$5,329
14 years$9,977$8,635$7,451$6,410$5,501$4,602
15 years$9,216$7,889$6,727$5,717$4,844$3,991
16 years$8,551$7,238$6,099$5,119$4,281$3,473
17 years$7,964$6,666$5,550$4,599$3,796$3,031
18 years$7,443$6,159$5,066$4,145$3,375$2,652
19 years$6,978$5,708$4,638$3,745$3,008$2,325
20 years$6,559$5,305$4,256$3,392$2,687$2,043
21 years$6,181$4,941$3,915$3,078$2,405$1,798
22 years$5,838$4,612$3,608$2,799$2,155$1,584
23 years$5,525$4,314$3,332$2,549$1,935$1,398
24 years$5,239$4,042$3,081$2,325$1,739$1,235
25 years$4,976$3,793$2,854$2,123$1,565$1,092
26 years$4,733$3,565$2,647$1,941$1,410$966
27 years$4,509$3,355$2,458$1,777$1,271$855
28 years$4,302$3,161$2,285$1,628$1,147$758
29 years$4,108$2,982$2,126$1,493$1,035$672
30 years$3,929$2,816$1,980$1,370$936$596
31 years$3,761$2,662$1,846$1,258$846$529
32 years$3,604$2,519$1,723$1,157$765$469
33 years$3,456$2,386$1,608$1,064$692$417
34 years$3,318$2,261$1,503$979$627$370
35 years$3,188$2,145$1,405$901$568$329
36 years$3,065$2,036$1,314$830$515$292
37 years$2,950$1,933$1,230$764$466$260
38 years$2,840$1,837$1,152$705$423$231
39 years$2,737$1,747$1,079$650$383$206
40 years$2,639$1,662$1,012$599$348$183
41 years$2,546$1,582$949$553$315$163
42 years$2,457$1,507$890$510$286$145
43 years$2,373$1,436$835$471$260$129
44 years$2,293$1,369$784$435$236$115
45 years$2,217$1,305$736$402$214$102
46 years$2,144$1,245$691$371$194$91
47 years$2,075$1,188$649$343$176$81
48 years$2,008$1,134$610$317$160$72
49 years$1,945$1,083$574$293$146$64
50 years$1,884$1,035$539$271$132$57

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 $5,942 every year, while hoping to spend $45,278 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: 53/37/10 Blend
34$1,930,000$1,930,000$1,930,000$1,930,000
35$2,132,989$2,030,699$2,000,784$2,240,287
36$2,302,379$2,082,028$2,019,635$2,365,193
37$2,487,528$2,134,354$2,037,600$2,495,612
38$2,689,998$2,187,679$2,054,601$2,636,439
39$2,911,505$2,242,003$2,070,557$2,788,668
40$3,153,940$2,297,323$2,085,383$2,953,394
41$3,419,385$2,353,635$2,098,986$3,131,822
42$3,710,134$2,410,935$2,111,274$3,325,281
43$4,028,711$2,469,214$2,122,145$3,535,230
44$4,377,898$2,528,464$2,131,495$3,763,282
45$4,760,757$2,588,672$2,139,214$4,011,208
46$5,180,661$2,649,824$2,145,185$4,280,960
47$5,641,327$2,711,903$2,149,286$4,574,692
48$6,146,845$2,774,890$2,151,391$4,894,771
49$6,701,725$2,838,761$2,151,364$5,243,808
50$7,310,932$2,903,490$2,149,065$5,624,678
51$7,979,934$2,969,049$2,144,346$6,040,551
52$8,714,759$3,035,404$2,137,053$6,494,916
53$9,522,043$3,102,518$2,127,024$6,991,619
54$10,409,100$3,170,349$2,114,087$7,534,897
55$11,383,984$3,238,852$2,098,064$8,129,420
56$12,455,570$3,307,976$2,078,770$8,780,333
57$13,633,637$3,377,665$2,056,007$9,493,303
58$14,928,955$3,447,858$2,029,571$10,274,579
59$16,353,394$3,518,489$1,999,247$11,131,043
60$17,920,029$3,589,483$1,964,810$12,070,282
61$19,643,266$3,660,762$1,926,025$13,100,654
62$21,538,978$3,732,238$1,882,646$14,231,371
63$23,624,654$3,803,818$1,834,415$15,472,585
64$25,919,562$3,875,399$1,781,062$16,835,483
65$28,444,935$3,946,871$1,722,305$18,332,394
66$31,224,166$4,018,115$1,657,850$19,976,904
67$34,283,031$4,089,003$1,587,387$21,783,986
68$37,649,931$4,159,394$1,510,595$23,770,142
69$41,356,160$4,229,141$1,427,137$25,953,557
70$45,436,202$4,298,083$1,336,659$28,354,273
71$49,928,052$4,366,046$1,238,795$30,994,376
72$54,873,578$4,432,847$1,133,159$33,898,209
73$60,318,912$4,498,286$1,019,349$37,092,598
74$66,314,890$4,562,151$896,946$40,607,107
75$72,917,526$4,624,213$765,511$44,474,320
76$80,188,544$4,684,231$624,587$48,730,145
77$88,195,960$4,741,942$473,694$53,414,157
78$97,014,719$4,797,068$312,334$58,569,970
79$106,727,409$4,849,313$139,986$64,245,652
80$117,425,035$4,898,360$0$70,494,175
81$129,207,879$4,943,870$0$77,378,609
82$142,186,446$4,985,483$0$84,974,852
83$156,482,507$5,022,815$0$93,338,923
84$172,230,247$5,055,457$0$102,549,036
85$189,577,531$5,082,974$0$112,691,384
86$208,687,303$5,104,903$0$123,860,955
87$229,739,116$5,120,752$0$136,162,430
88$252,930,835$5,129,997$0$149,711,168
89$278,480,495$5,132,082$0$164,634,301
90$306,628,369$5,126,418$0$181,071,931
91$337,639,226$5,112,375$0$199,178,456
92$371,804,836$5,089,290$0$219,124,030
93$409,446,719$5,056,456$0$241,096,165
94$450,919,185$5,013,123$0$265,301,507
95$496,612,673$4,958,497$0$291,967,789
96$546,957,438$4,891,736$0$321,345,977
97$602,427,613$4,811,947$0$353,712,648
98$663,545,682$4,718,185$0$389,372,595
99$730,887,413$4,609,448$0$428,661,714
100$805,087,293$4,484,675$0$471,950,170