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%17.8%
1 years$131,301$130,131$128,990$127,876$126,789$122,779
2 years$65,000$63,790$62,617$61,479$60,376$56,373
3 years$42,903$41,687$40,517$39,390$38,305$34,434
4 years$31,857$30,645$29,486$28,378$27,319$23,610
5 years$25,231$24,026$22,882$21,797$20,768$17,230
6 years$20,815$19,619$18,492$17,432$16,433$13,069
7 years$17,662$16,476$15,367$14,331$13,364$10,175
8 years$15,298$14,123$13,033$12,022$11,087$8,070
9 years$13,460$12,296$11,225$10,240$9,337$6,488
10 years$11,991$10,839$9,786$8,827$7,955$5,272
11 years$10,790$9,649$8,616$7,682$6,842$4,318
12 years$9,790$8,661$7,646$6,738$5,929$3,559
13 years$8,944$7,827$6,831$5,949$5,170$2,949
14 years$8,220$7,114$6,138$5,281$4,532$2,453
15 years$7,593$6,499$5,542$4,710$3,991$2,048
16 years$7,044$5,963$5,024$4,217$3,527$1,714
17 years$6,561$5,491$4,572$3,789$3,127$1,438
18 years$6,132$5,074$4,174$3,415$2,781$1,209
19 years$5,749$4,703$3,821$3,085$2,478$1,018
20 years$5,404$4,370$3,507$2,794$2,214$858
21 years$5,092$4,071$3,225$2,536$1,981$724
22 years$4,810$3,800$2,973$2,306$1,776$611
23 years$4,552$3,554$2,745$2,100$1,594$517
24 years$4,316$3,330$2,538$1,915$1,433$437
25 years$4,099$3,125$2,351$1,749$1,289$370
26 years$3,900$2,937$2,180$1,599$1,161$313
27 years$3,715$2,764$2,025$1,464$1,047$265
28 years$3,544$2,604$1,882$1,341$945$225
29 years$3,385$2,457$1,752$1,230$853$191
30 years$3,237$2,320$1,632$1,129$771$162
31 years$3,098$2,193$1,521$1,037$697$137
32 years$2,969$2,075$1,419$953$630$116
33 years$2,847$1,965$1,325$876$570$99
34 years$2,734$1,863$1,238$806$517$84
35 years$2,626$1,767$1,158$742$468$71
36 years$2,525$1,677$1,083$683$424$60
37 years$2,430$1,593$1,014$630$384$51
38 years$2,340$1,514$949$580$348$43
39 years$2,255$1,439$889$535$316$37
40 years$2,174$1,369$833$494$286$31
41 years$2,097$1,304$782$455$260$26
42 years$2,024$1,241$733$420$236$22
43 years$1,955$1,183$688$388$214$19
44 years$1,889$1,128$646$358$194$16
45 years$1,826$1,075$606$331$176$14
46 years$1,766$1,026$569$306$160$12
47 years$1,709$979$535$282$145$10
48 years$1,655$934$503$261$132$8
49 years$1,602$892$473$241$120$7
50 years$1,552$852$444$223$109$6

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 $6,713 every year, while hoping to spend $24,195 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: 60/14/26 Blend
34$1,590,000$1,590,000$1,590,000$1,590,000
35$1,759,104$1,674,834$1,650,189$1,851,977
36$1,912,790$1,731,158$1,679,728$1,972,310
37$2,081,340$1,789,431$1,709,444$2,100,361
38$2,266,246$1,849,722$1,739,320$2,239,568
39$2,469,150$1,912,105$1,769,334$2,391,020
40$2,691,860$1,976,655$1,799,463$2,555,920
41$2,936,368$2,043,449$1,829,683$2,735,589
42$3,204,869$2,112,570$1,859,969$2,931,484
43$3,499,780$2,184,101$1,890,293$3,145,208
44$3,823,765$2,258,129$1,920,625$3,378,527
45$4,179,757$2,334,745$1,950,934$3,633,384
46$4,570,989$2,414,044$1,981,187$3,911,924
47$5,001,020$2,496,122$2,011,347$4,216,504
48$5,473,774$2,581,082$2,041,376$4,549,722
49$5,993,572$2,669,028$2,071,236$4,914,442
50$6,565,175$2,760,070$2,100,881$5,313,816
51$7,193,831$2,854,321$2,130,269$5,751,318
52$7,885,318$2,951,899$2,159,349$6,230,773
53$8,646,005$3,052,926$2,188,072$6,756,396
54$9,482,908$3,157,530$2,216,383$7,332,832
55$10,403,758$3,265,843$2,244,225$7,965,195
56$11,417,073$3,378,001$2,271,538$8,659,122
57$12,532,238$3,494,146$2,298,258$9,420,822
58$13,759,595$3,614,428$2,324,318$10,257,137
59$15,110,538$3,738,999$2,349,647$11,175,604
60$16,597,622$3,868,019$2,374,170$12,184,528
61$18,234,681$4,001,654$2,397,806$13,293,060
62$20,036,960$4,140,077$2,420,474$14,511,282
63$22,021,255$4,283,466$2,442,085$15,850,302
64$24,206,075$4,432,007$2,462,547$17,322,362
65$26,611,814$4,585,895$2,481,761$18,940,948
66$29,260,945$4,745,330$2,499,626$20,720,921
67$32,178,231$4,910,520$2,516,034$22,678,658
68$35,390,959$5,081,685$2,530,870$24,832,200
69$38,929,198$5,259,048$2,544,015$27,201,432
70$42,826,081$5,442,846$2,555,344$29,808,261
71$47,118,118$5,633,323$2,564,725$32,676,828
72$51,845,542$5,830,731$2,572,019$35,833,737
73$57,052,686$6,035,336$2,577,080$39,308,299
74$62,788,405$6,247,412$2,579,757$43,132,817
75$69,106,531$6,467,244$2,579,888$47,342,884
76$76,066,388$6,695,130$2,577,305$51,977,724
77$83,733,347$6,931,379$2,571,832$57,080,557
78$92,179,444$7,176,312$2,563,284$62,699,012
79$101,484,059$7,430,263$2,551,466$68,885,572
80$111,734,668$7,693,581$2,536,175$75,698,073
81$123,027,665$7,966,627$2,517,198$83,200,247
82$135,469,274$8,249,779$2,494,311$91,462,323
83$149,176,549$8,543,427$2,467,279$100,561,695
84$164,278,483$8,847,981$2,435,859$110,583,645
85$180,917,221$9,163,865$2,399,793$121,622,153
86$199,249,403$9,491,520$2,358,812$133,780,784
87$219,447,645$9,831,407$2,312,635$147,173,663
88$241,702,164$10,184,005$2,260,967$161,926,552
89$266,222,576$10,549,813$2,203,501$178,178,042
90$293,239,873$10,929,348$2,139,913$196,080,853
91$323,008,607$11,323,153$2,069,867$215,803,284
92$355,809,287$11,731,790$1,993,009$237,530,796
93$391,951,031$12,155,844$1,908,972$261,467,766
94$431,774,483$12,595,927$1,817,369$287,839,413
95$475,655,027$13,052,674$1,717,798$316,893,927
96$524,006,332$13,526,748$1,609,836$348,904,810
97$577,284,257$14,018,837$1,493,045$384,173,459
98$635,991,152$14,529,661$1,366,963$423,032,012
99$700,680,604$15,059,969$1,231,110$465,846,479
100$771,962,657$15,610,540$1,084,984$513,020,203