Can I retire at age 35 with 1,570,000?

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 $1,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$129,649$128,494$127,368$126,268$125,194$120,896
2 years$64,183$62,987$61,829$60,706$59,616$55,330
3 years$42,363$41,163$40,007$38,895$37,823$33,683
4 years$31,456$30,259$29,115$28,021$26,976$23,014
5 years$24,913$23,724$22,595$21,523$20,506$16,733
6 years$20,553$19,372$18,260$17,212$16,226$12,644
7 years$17,439$16,269$15,174$14,151$13,196$9,805
8 years$15,105$13,945$12,869$11,871$10,947$7,744
9 years$13,291$12,142$11,084$10,111$9,219$6,200
10 years$11,840$10,702$9,663$8,716$7,855$5,015
11 years$10,654$9,528$8,507$7,586$6,756$4,089
12 years$9,667$8,552$7,550$6,654$5,854$3,355
13 years$8,831$7,728$6,745$5,874$5,105$2,766
14 years$8,116$7,025$6,061$5,214$4,475$2,290
15 years$7,497$6,417$5,472$4,650$3,940$1,902
16 years$6,956$5,888$4,961$4,164$3,482$1,584
17 years$6,479$5,422$4,515$3,741$3,088$1,322
18 years$6,055$5,010$4,121$3,372$2,746$1,106
19 years$5,676$4,644$3,773$3,047$2,447$926
20 years$5,336$4,315$3,462$2,759$2,186$776
21 years$5,028$4,019$3,185$2,504$1,956$652
22 years$4,749$3,752$2,935$2,277$1,753$547
23 years$4,495$3,509$2,710$2,074$1,574$460
24 years$4,262$3,288$2,506$1,891$1,415$387
25 years$4,048$3,085$2,321$1,727$1,273$326
26 years$3,850$2,900$2,153$1,579$1,147$274
27 years$3,668$2,729$1,999$1,446$1,034$231
28 years$3,499$2,572$1,859$1,324$933$195
29 years$3,342$2,426$1,730$1,215$842$164
30 years$3,196$2,291$1,611$1,115$761$138
31 years$3,059$2,166$1,502$1,024$688$117
32 years$2,931$2,049$1,401$941$622$98
33 years$2,812$1,941$1,308$865$563$83
34 years$2,699$1,839$1,223$796$510$70
35 years$2,593$1,745$1,143$733$462$59
36 years$2,494$1,656$1,069$675$419$50
37 years$2,399$1,573$1,001$622$379$42
38 years$2,310$1,495$937$573$344$35
39 years$2,226$1,421$878$528$312$30
40 years$2,146$1,352$823$487$283$25
41 years$2,071$1,287$772$450$257$21
42 years$1,999$1,226$724$415$233$18
43 years$1,930$1,168$679$383$211$15
44 years$1,865$1,113$638$354$192$13
45 years$1,803$1,062$599$327$174$11
46 years$1,744$1,013$562$302$158$9
47 years$1,688$967$528$279$144$8
48 years$1,634$923$496$258$130$6
49 years$1,582$881$467$238$118$5
50 years$1,533$842$439$220$108$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,570,000, adding $4,485 every year, while hoping to spend $54,308 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: 35/38/27 Blend
34$1,570,000$1,570,000$1,570,000$1,570,000
35$1,734,766$1,651,556$1,627,221$1,781,218
36$1,853,929$1,674,699$1,623,950$1,839,446
37$1,983,426$1,697,156$1,618,749$1,897,008
38$2,124,255$1,718,836$1,611,496$1,958,063
39$2,277,511$1,739,641$1,602,063$2,022,958
40$2,444,402$1,759,468$1,590,317$2,092,080
41$2,626,255$1,778,206$1,576,117$2,165,858
42$2,824,532$1,795,737$1,559,316$2,244,768
43$3,040,841$1,811,934$1,539,759$2,329,337
44$3,276,951$1,826,664$1,517,285$2,420,148
45$3,534,812$1,839,782$1,491,726$2,517,850
46$3,816,569$1,851,137$1,462,905$2,623,160
47$4,124,582$1,860,567$1,430,636$2,736,872
48$4,461,453$1,867,898$1,394,726$2,859,868
49$4,830,044$1,872,948$1,354,972$2,993,120
50$5,233,507$1,875,521$1,311,162$3,137,709
51$5,675,314$1,875,410$1,263,075$3,294,829
52$6,159,286$1,872,396$1,210,478$3,465,803
53$6,689,634$1,866,244$1,153,130$3,652,093
54$7,270,994$1,856,707$1,090,777$3,855,317
55$7,908,471$1,843,521$1,023,154$4,077,268
56$8,607,690$1,826,409$949,984$4,319,926
57$9,374,845$1,805,073$870,979$4,585,481
58$10,216,758$1,779,201$785,836$4,876,356
59$11,140,945$1,748,460$694,240$5,195,230
60$12,155,685$1,712,498$595,860$5,545,063
61$13,270,097$1,670,942$490,353$5,929,128
62$14,494,227$1,623,398$377,360$6,351,043
63$15,839,141$1,569,448$256,505$6,814,805
64$17,317,031$1,508,648$127,395$7,324,831
65$18,941,329$1,440,532$0$7,886,000
66$20,726,830$1,364,604$0$8,506,697
67$22,689,837$1,280,341$0$9,229,244
68$24,848,311$1,187,188$0$10,023,608
69$27,222,038$1,084,559$0$10,897,186
70$29,832,821$971,837$0$11,858,139
71$32,704,678$848,367$0$12,915,470
72$35,864,076$713,457$0$14,079,109
73$39,340,173$566,378$0$15,360,012
74$43,165,097$406,358$0$16,770,261
75$47,374,249$232,581$0$18,323,185
76$52,006,634$44,189$0$20,033,483
77$57,105,228$0$0$21,917,368
78$62,717,388$0$0$24,059,512
79$68,895,291$0$0$26,438,216
80$75,696,434$0$0$29,057,174
81$83,184,168$0$0$31,940,817
82$91,428,303$0$0$35,116,065
83$100,505,759$0$0$38,612,583
84$110,501,296$0$0$42,463,058
85$121,508,312$0$0$46,703,509
86$133,629,724$0$0$51,373,627
87$146,978,939$0$0$56,517,148
88$161,680,921$0$0$62,182,264
89$177,873,375$0$0$68,422,085
90$195,708,040$0$0$75,295,129
91$215,352,126$0$0$82,865,885
92$236,989,888$0$0$91,205,414
93$260,824,364$0$0$100,392,022
94$287,079,295$0$0$110,511,998
95$316,001,230$0$0$121,660,433
96$347,861,858$0$0$133,942,107
97$382,960,567$0$0$147,472,491
98$421,627,275$0$0$162,378,825
99$464,225,535$0$0$178,801,325
100$511,155,974$0$0$196,894,506