Can I retire at age 35 with 1,990,000?

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 $1,990,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$164,332$162,869$161,440$160,046$158,685$157,422
2 years$81,353$79,838$78,369$76,945$75,564$74,290
3 years$53,696$52,175$50,710$49,300$47,941$46,697
4 years$39,871$38,354$36,904$35,518$34,192$32,986
5 years$31,578$30,070$28,639$27,281$25,992$24,829
6 years$26,051$24,554$23,145$21,817$20,567$19,447
7 years$22,105$20,621$19,233$17,937$16,726$15,651
8 years$19,146$17,676$16,311$15,047$13,876$12,846
9 years$16,847$15,390$14,049$12,816$11,686$10,699
10 years$15,008$13,565$12,248$11,048$9,957$9,014
11 years$13,504$12,077$10,783$9,615$8,563$7,663
12 years$12,253$10,839$9,570$8,434$7,421$6,563
13 years$11,194$9,796$8,550$7,446$6,471$5,654
14 years$10,288$8,904$7,682$6,609$5,672$4,896
15 years$9,503$8,134$6,936$5,894$4,994$4,257
16 years$8,816$7,463$6,288$5,278$4,414$3,714
17 years$8,212$6,873$5,722$4,742$3,914$3,251
18 years$7,675$6,351$5,224$4,274$3,480$2,852
19 years$7,195$5,886$4,782$3,862$3,102$2,509
20 years$6,763$5,469$4,389$3,497$2,771$2,210
21 years$6,374$5,095$4,037$3,174$2,479$1,951
22 years$6,020$4,756$3,720$2,886$2,222$1,724
23 years$5,697$4,448$3,435$2,628$1,995$1,526
24 years$5,402$4,167$3,177$2,397$1,793$1,352
25 years$5,131$3,911$2,943$2,189$1,614$1,199
26 years$4,881$3,676$2,729$2,002$1,453$1,064
27 years$4,649$3,459$2,534$1,832$1,310$945
28 years$4,435$3,259$2,356$1,679$1,182$840
29 years$4,236$3,075$2,192$1,539$1,068$747
30 years$4,051$2,904$2,042$1,413$965$665
31 years$3,878$2,745$1,904$1,298$872$592
32 years$3,716$2,598$1,776$1,192$789$527
33 years$3,564$2,460$1,658$1,097$714$470
34 years$3,421$2,331$1,550$1,009$646$419
35 years$3,287$2,211$1,449$929$586$373
36 years$3,161$2,099$1,355$855$530$333
37 years$3,041$1,993$1,269$788$481$297
38 years$2,928$1,894$1,188$726$436$265
39 years$2,822$1,801$1,113$670$395$236
40 years$2,721$1,714$1,043$618$359$211
41 years$2,625$1,632$978$570$325$188
42 years$2,534$1,554$918$526$295$168
43 years$2,447$1,480$861$486$268$150
44 years$2,364$1,411$808$448$243$134
45 years$2,286$1,346$759$414$221$120
46 years$2,211$1,284$713$382$200$107
47 years$2,139$1,225$670$353$182$95
48 years$2,071$1,170$629$327$165$85
49 years$2,006$1,117$591$302$150$76
50 years$1,943$1,067$556$279$136$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,990,000, adding $5,605 every year, while hoping to spend $22,394 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: 47/26/27 Blend
34$1,990,000$1,990,000$1,990,000$1,990,000
35$2,198,762$2,093,292$2,062,447$2,284,863
36$2,399,208$2,172,036$2,107,711$2,424,855
37$2,619,350$2,253,888$2,153,742$2,574,096
38$2,861,172$2,338,977$2,200,541$2,735,665
39$3,126,861$2,427,436$2,248,109$2,910,732
40$3,418,827$2,519,406$2,296,446$3,100,583
41$3,739,723$2,615,034$2,345,553$3,306,631
42$4,092,475$2,714,470$2,395,429$3,530,434
43$4,480,303$2,817,875$2,446,072$3,773,703
44$4,906,757$2,925,414$2,497,478$4,038,321
45$5,375,747$3,037,260$2,549,645$4,326,359
46$5,891,582$3,153,595$2,602,567$4,640,097
47$6,459,009$3,274,607$2,656,239$4,982,043
48$7,083,258$3,400,492$2,710,653$5,354,958
49$7,770,092$3,531,457$2,765,800$5,761,880
50$8,525,859$3,667,717$2,821,672$6,206,154
51$9,357,555$3,809,494$2,878,257$6,691,462
52$10,272,890$3,957,023$2,935,543$7,221,856
53$11,280,356$4,110,548$2,993,515$7,801,798
54$12,389,311$4,270,324$3,052,157$8,436,201
55$13,610,069$4,436,618$3,111,452$9,130,472
56$14,953,991$4,609,707$3,171,380$9,890,568
57$16,433,597$4,789,882$3,231,921$10,723,047
58$18,062,683$4,977,446$3,293,050$11,635,131
59$19,856,452$5,172,715$3,354,741$12,634,771
60$21,831,653$5,376,021$3,416,968$13,730,727
61$24,006,744$5,587,709$3,479,700$14,932,645
62$26,402,066$5,808,140$3,542,903$16,251,148
63$29,040,028$6,037,691$3,606,543$17,697,938
64$31,945,330$6,276,757$3,670,580$19,285,903
65$35,145,183$6,525,747$3,734,974$21,029,238
66$38,669,576$6,785,094$3,799,680$22,943,581
67$42,551,555$7,055,245$3,864,651$25,046,156
68$46,827,532$7,336,670$3,929,836$27,355,938
69$51,537,634$7,629,861$3,995,179$29,893,828
70$56,726,077$7,935,329$4,060,622$32,682,851
71$62,441,588$8,253,611$4,126,104$35,748,374
72$68,737,858$8,585,266$4,191,557$39,118,339
73$75,674,056$8,930,880$4,256,910$42,823,532
74$83,315,381$9,291,065$4,322,088$46,897,869
75$91,733,682$9,666,459$4,387,010$51,378,715
76$101,008,134$10,057,732$4,451,592$56,307,238
77$111,225,986$10,465,583$4,515,741$61,728,790
78$122,483,381$10,890,741$4,579,364$67,693,343
79$134,886,269$11,333,971$4,642,356$74,255,952
80$148,551,404$11,796,071$4,704,610$81,477,276
81$163,607,445$12,277,876$4,766,012$89,424,148
82$180,196,172$12,780,260$4,826,441$98,170,207
83$198,473,823$13,304,134$4,885,768$107,796,588
84$218,612,570$13,850,454$4,943,859$118,392,688
85$240,802,144$14,420,217$5,000,569$130,057,010
86$265,251,623$15,014,468$5,055,749$142,898,086
87$292,191,411$15,634,299$5,109,239$157,035,505
88$321,875,406$16,280,852$5,160,870$172,601,037
89$354,583,405$16,955,320$5,210,466$189,739,874
90$390,623,735$17,658,954$5,257,839$208,612,002
91$430,336,173$18,393,060$5,302,794$229,393,705
92$474,095,147$19,159,004$5,345,122$252,279,232
93$522,313,274$19,958,218$5,384,606$277,482,621
94$575,445,253$20,792,196$5,421,016$305,239,724
95$633,992,160$21,662,504$5,454,110$335,810,427
96$698,506,172$22,570,779$5,483,635$369,481,103
97$769,595,788$23,518,733$5,509,324$406,567,309
98$847,931,568$24,508,161$5,530,895$447,416,765
99$934,252,463$25,540,936$5,548,056$492,412,635
100$1,029,372,794$26,619,021$5,560,495$541,977,137