Can I retire at age 35 with 1,560,000?

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 $1,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$128,823$127,676$126,556$125,464$124,397$121,885
2 years$63,774$62,586$61,435$60,319$59,236$56,717
3 years$42,094$40,901$39,753$38,647$37,582$35,133
4 years$31,256$30,066$28,930$27,843$26,804$24,445
5 years$24,754$23,572$22,451$21,386$20,376$18,113
6 years$20,422$19,249$18,143$17,103$16,123$13,959
7 years$17,328$16,165$15,077$14,061$13,112$11,048
8 years$15,009$13,856$12,787$11,795$10,878$8,912
9 years$13,206$12,064$11,013$10,047$9,161$7,292
10 years$11,765$10,634$9,602$8,661$7,805$6,032
11 years$10,586$9,467$8,453$7,537$6,713$5,033
12 years$9,605$8,497$7,502$6,611$5,817$4,229
13 years$8,775$7,679$6,702$5,837$5,073$3,572
14 years$8,065$6,980$6,022$5,181$4,447$3,032
15 years$7,449$6,376$5,437$4,621$3,915$2,583
16 years$6,911$5,850$4,930$4,137$3,460$2,207
17 years$6,437$5,388$4,486$3,717$3,068$1,891
18 years$6,016$4,979$4,095$3,350$2,728$1,624
19 years$5,640$4,614$3,749$3,027$2,432$1,397
20 years$5,302$4,288$3,440$2,742$2,172$1,204
21 years$4,996$3,994$3,164$2,488$1,944$1,039
22 years$4,719$3,728$2,917$2,262$1,742$898
23 years$4,466$3,487$2,693$2,060$1,564$776
24 years$4,235$3,267$2,491$1,879$1,406$672
25 years$4,022$3,066$2,307$1,716$1,265$582
26 years$3,826$2,881$2,139$1,569$1,139$504
27 years$3,645$2,712$1,987$1,436$1,027$437
28 years$3,477$2,555$1,847$1,316$927$379
29 years$3,321$2,411$1,719$1,207$837$329
30 years$3,175$2,276$1,601$1,108$756$286
31 years$3,040$2,152$1,492$1,017$684$248
32 years$2,913$2,036$1,392$935$618$216
33 years$2,794$1,928$1,300$860$560$188
34 years$2,682$1,828$1,215$791$507$163
35 years$2,577$1,733$1,136$728$459$142
36 years$2,478$1,645$1,062$671$416$123
37 years$2,384$1,563$994$618$377$107
38 years$2,296$1,485$931$569$342$93
39 years$2,212$1,412$872$525$310$81
40 years$2,133$1,344$818$484$281$70
41 years$2,058$1,279$767$447$255$61
42 years$1,986$1,218$719$412$231$53
43 years$1,918$1,161$675$381$210$46
44 years$1,854$1,106$634$351$191$40
45 years$1,792$1,055$595$325$173$35
46 years$1,733$1,006$559$300$157$31
47 years$1,677$960$525$277$143$27
48 years$1,623$917$493$256$130$23
49 years$1,572$875$464$237$118$20
50 years$1,523$836$436$219$107$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,560,000, adding $3,577 every year, while hoping to spend $38,568 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: 52/35/13 Blend
34$1,560,000$1,560,000$1,560,000$1,560,000
35$1,722,810$1,640,130$1,615,950$1,806,248
36$1,857,500$1,679,460$1,629,048$1,902,965
37$2,004,637$1,719,425$1,641,292$2,003,695
38$2,165,447$1,760,015$1,652,614$2,112,369
39$2,341,286$1,801,218$1,662,939$2,229,749
40$2,533,641$1,843,022$1,672,191$2,356,673
41$2,744,153$1,885,410$1,680,290$2,494,065
42$2,974,627$1,928,366$1,687,151$2,642,942
43$3,227,053$1,971,870$1,692,685$2,804,424
44$3,503,621$2,015,900$1,696,798$2,979,746
45$3,806,742$2,060,431$1,699,392$3,170,268
46$4,139,072$2,105,434$1,700,364$3,377,488
47$4,503,537$2,150,880$1,699,606$3,603,056
48$4,903,359$2,196,735$1,697,004$3,848,792
49$5,342,088$2,242,961$1,692,440$4,116,700
50$5,823,633$2,289,518$1,685,789$4,408,988
51$6,352,300$2,336,361$1,676,919$4,728,090
52$6,932,832$2,383,441$1,665,694$5,076,689
53$7,570,456$2,430,704$1,651,969$5,457,740
54$8,270,927$2,478,093$1,635,595$5,874,500
55$9,040,588$2,525,545$1,616,413$6,330,560
56$9,886,423$2,572,993$1,594,258$6,829,875
57$10,816,130$2,620,361$1,568,958$7,376,805
58$11,838,188$2,667,571$1,540,330$7,976,157
59$12,961,938$2,714,538$1,508,187$8,633,227
60$14,197,673$2,761,167$1,472,328$9,353,851
61$15,556,732$2,807,360$1,432,547$10,144,464
62$17,051,608$2,853,010$1,388,627$11,012,157
63$18,696,066$2,898,002$1,340,340$11,964,744
64$20,505,273$2,942,212$1,287,449$13,010,840
65$22,495,938$2,985,508$1,229,706$14,159,938
66$24,686,474$3,027,748$1,166,851$15,422,503
67$27,097,166$3,068,780$1,098,613$16,810,068
68$29,750,369$3,108,441$1,024,708$18,335,343
69$32,670,711$3,146,559$944,840$20,012,340
70$35,885,330$3,182,948$858,699$21,856,500
71$39,424,130$3,217,408$765,962$23,884,843
72$43,320,061$3,249,731$666,291$26,116,128
73$47,609,428$3,279,689$559,333$28,571,031
74$52,332,239$3,307,042$444,720$31,272,338
75$57,532,575$3,331,536$322,066$34,245,165
76$63,259,014$3,352,897$190,971$37,517,196
77$69,565,079$3,370,835$51,015$41,118,939
78$76,509,753$3,385,042$0$45,084,022
79$84,158,029$3,395,189$0$49,463,147
80$92,581,523$3,400,929$0$54,291,960
81$101,859,154$3,401,891$0$59,608,464
82$112,077,885$3,397,680$0$65,462,348
83$123,333,543$3,387,880$0$71,908,369
84$135,731,724$3,372,046$0$79,006,878
85$149,388,792$3,349,709$0$86,824,381
86$164,432,973$3,320,368$0$95,434,172
87$181,005,566$3,283,496$0$104,917,029
88$199,262,277$3,238,530$0$115,361,969
89$219,374,687$3,184,876$0$126,867,098
90$241,531,875$3,121,905$0$139,540,533
91$265,942,197$3,048,949$0$153,501,425
92$292,835,254$2,965,301$0$168,881,086
93$322,464,063$2,870,213$0$185,824,228
94$355,107,437$2,762,894$0$204,490,332
95$391,072,625$2,642,505$0$225,055,155
96$430,698,206$2,508,161$0$247,712,392
97$474,357,285$2,358,923$0$272,675,501
98$522,461,018$2,193,800$0$300,179,726
99$575,462,490$2,011,744$0$330,484,319
100$633,860,991$1,811,646$0$363,874,984