Can I retire at age 35 with 1,590,000?

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 $1,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$131,301$130,131$128,990$127,876$126,789$123,925
2 years$65,000$63,790$62,617$61,479$60,376$57,506
3 years$42,903$41,687$40,517$39,390$38,305$35,519
4 years$31,857$30,645$29,486$28,378$27,319$24,638
5 years$25,231$24,026$22,882$21,797$20,768$18,199
6 years$20,815$19,619$18,492$17,432$16,433$13,979
7 years$17,662$16,476$15,367$14,331$13,364$11,026
8 years$15,298$14,123$13,033$12,022$11,087$8,864
9 years$13,460$12,296$11,225$10,240$9,337$7,227
10 years$11,991$10,839$9,786$8,827$7,955$5,956
11 years$10,790$9,649$8,616$7,682$6,842$4,951
12 years$9,790$8,661$7,646$6,738$5,929$4,143
13 years$8,944$7,827$6,831$5,949$5,170$3,486
14 years$8,220$7,114$6,138$5,281$4,532$2,947
15 years$7,593$6,499$5,542$4,710$3,991$2,500
16 years$7,044$5,963$5,024$4,217$3,527$2,127
17 years$6,561$5,491$4,572$3,789$3,127$1,815
18 years$6,132$5,074$4,174$3,415$2,781$1,551
19 years$5,749$4,703$3,821$3,085$2,478$1,329
20 years$5,404$4,370$3,507$2,794$2,214$1,140
21 years$5,092$4,071$3,225$2,536$1,981$979
22 years$4,810$3,800$2,973$2,306$1,776$842
23 years$4,552$3,554$2,745$2,100$1,594$725
24 years$4,316$3,330$2,538$1,915$1,433$624
25 years$4,099$3,125$2,351$1,749$1,289$538
26 years$3,900$2,937$2,180$1,599$1,161$464
27 years$3,715$2,764$2,025$1,464$1,047$401
28 years$3,544$2,604$1,882$1,341$945$346
29 years$3,385$2,457$1,752$1,230$853$299
30 years$3,237$2,320$1,632$1,129$771$258
31 years$3,098$2,193$1,521$1,037$697$223
32 years$2,969$2,075$1,419$953$630$193
33 years$2,847$1,965$1,325$876$570$167
34 years$2,734$1,863$1,238$806$517$144
35 years$2,626$1,767$1,158$742$468$125
36 years$2,525$1,677$1,083$683$424$108
37 years$2,430$1,593$1,014$630$384$93
38 years$2,340$1,514$949$580$348$81
39 years$2,255$1,439$889$535$316$70
40 years$2,174$1,369$833$494$286$60
41 years$2,097$1,304$782$455$260$52
42 years$2,024$1,241$733$420$236$45
43 years$1,955$1,183$688$388$214$39
44 years$1,889$1,128$646$358$194$34
45 years$1,826$1,075$606$331$176$29
46 years$1,766$1,026$569$306$160$25
47 years$1,709$979$535$282$145$22
48 years$1,655$934$503$261$132$19
49 years$1,602$892$473$241$120$16
50 years$1,552$852$444$223$109$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,590,000, adding $4,615 every year, while hoping to spend $41,061 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: 57/23/20 Blend
34$1,590,000$1,590,000$1,590,000$1,590,000
35$1,756,940$1,672,670$1,648,025$1,847,454
36$1,892,460$1,710,943$1,659,546$1,947,882
37$2,040,426$1,749,714$1,670,076$2,052,461
38$2,202,065$1,788,966$1,679,539$2,165,527
39$2,378,727$1,828,676$1,687,855$2,287,907
40$2,571,898$1,868,823$1,694,939$2,420,511
41$2,783,215$1,909,378$1,700,703$2,564,342
42$3,014,479$1,950,314$1,705,052$2,720,506
43$3,267,674$1,991,597$1,707,890$2,890,222
44$3,544,985$2,033,194$1,709,113$3,074,831
45$3,848,819$2,075,066$1,708,613$3,275,814
46$4,181,824$2,117,169$1,706,277$3,494,802
47$4,546,919$2,159,459$1,701,986$3,733,592
48$4,947,318$2,201,886$1,695,616$3,994,165
49$5,386,561$2,244,395$1,687,035$4,278,706
50$5,868,547$2,286,927$1,676,108$4,589,620
51$6,397,571$2,329,419$1,662,690$4,929,562
52$6,978,364$2,371,802$1,646,631$5,301,455
53$7,616,138$2,414,001$1,627,774$5,708,522
54$8,316,633$2,455,936$1,605,954$6,154,315
55$9,086,174$2,497,521$1,580,997$6,642,752
56$9,931,727$2,538,663$1,552,724$7,178,149
57$10,860,967$2,579,262$1,520,944$7,765,263
58$11,882,351$2,619,210$1,485,461$8,409,340
59$13,005,192$2,658,393$1,446,066$9,116,160
60$14,239,756$2,696,688$1,402,542$9,892,095
61$15,597,347$2,733,963$1,354,664$10,744,170
62$17,090,425$2,770,075$1,302,194$11,680,127
63$18,732,714$2,804,875$1,244,883$12,708,499
64$20,539,338$2,838,200$1,182,473$13,838,694
65$22,526,957$2,869,879$1,114,693$15,081,080
66$24,713,931$2,899,728$1,041,260$16,447,086
67$27,120,487$2,927,549$961,877$17,949,309
68$29,768,912$2,953,134$876,235$19,601,636
69$32,683,764$2,976,260$784,012$21,419,370
70$35,892,101$2,996,690$684,869$23,419,383
71$39,423,738$3,014,171$578,455$25,620,267
72$43,311,527$3,028,433$464,401$28,042,520
73$47,591,667$3,039,191$342,323$30,708,729
74$52,304,046$3,046,140$211,820$33,643,795
75$57,492,616$3,048,959$72,473$36,875,160
76$63,205,808$3,047,302$0$40,433,074
77$69,496,986$3,040,806$0$44,367,144
78$76,424,956$3,029,083$0$48,715,410
79$84,054,517$3,011,723$0$53,502,993
80$92,457,071$2,988,290$0$58,774,637
81$101,711,298$2,958,323$0$64,579,654
82$111,903,900$2,921,330$0$70,972,384
83$123,130,416$2,876,794$0$78,012,714
84$135,496,125$2,824,163$0$85,766,640
85$149,117,038$2,762,855$0$94,306,892
86$164,120,994$2,692,253$0$103,713,622
87$180,648,864$2,611,703$0$114,075,157
88$198,855,885$2,520,513$0$125,488,839
89$218,913,118$2,417,951$0$138,061,943
90$241,009,068$2,303,242$0$151,912,687
91$265,351,459$2,175,567$0$167,171,354
92$292,169,198$2,034,060$0$183,981,517
93$321,714,530$1,877,803$0$202,501,401
94$354,265,425$1,705,828$0$222,905,375
95$390,128,195$1,517,110$0$245,385,597
96$429,640,390$1,310,568$0$270,153,835
97$473,173,981$1,085,057$0$297,443,461
98$521,138,872$839,370$0$327,511,659
99$573,986,769$572,230$0$360,641,854
100$632,215,440$282,290$0$397,146,390