Can I retire at age 35 with 1,610,000?

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 $1,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$132,952$131,768$130,613$129,485$128,384$123,828
2 years$65,818$64,592$63,404$62,252$61,135$56,594
3 years$43,443$42,212$41,027$39,886$38,787$34,403
4 years$32,257$31,030$29,857$28,735$27,663$23,470
5 years$25,548$24,328$23,170$22,072$21,029$17,038
6 years$21,076$19,866$18,725$17,651$16,639$12,853
7 years$17,884$16,683$15,561$14,512$13,532$9,950
8 years$15,490$14,300$13,197$12,173$11,226$7,845
9 years$13,630$12,451$11,366$10,369$9,454$6,269
10 years$12,142$10,975$9,909$8,938$8,055$5,061
11 years$10,926$9,770$8,724$7,779$6,928$4,119
12 years$9,913$8,769$7,742$6,823$6,004$3,372
13 years$9,056$7,925$6,917$6,024$5,235$2,775
14 years$8,323$7,204$6,215$5,347$4,589$2,293
15 years$7,688$6,581$5,611$4,769$4,041$1,900
16 years$7,133$6,038$5,088$4,270$3,571$1,579
17 years$6,644$5,560$4,630$3,837$3,166$1,315
18 years$6,209$5,138$4,226$3,458$2,815$1,097
19 years$5,821$4,762$3,869$3,124$2,509$917
20 years$5,472$4,425$3,551$2,830$2,242$767
21 years$5,157$4,122$3,266$2,568$2,006$642
22 years$4,870$3,847$3,010$2,335$1,798$538
23 years$4,609$3,598$2,779$2,126$1,614$451
24 years$4,370$3,372$2,570$1,939$1,451$379
25 years$4,151$3,164$2,381$1,771$1,305$318
26 years$3,949$2,974$2,208$1,619$1,176$267
27 years$3,762$2,799$2,050$1,482$1,060$224
28 years$3,588$2,637$1,906$1,358$957$189
29 years$3,427$2,488$1,774$1,245$864$159
30 years$3,277$2,349$1,652$1,143$780$133
31 years$3,137$2,221$1,540$1,050$706$112
32 years$3,006$2,102$1,437$965$638$94
33 years$2,883$1,990$1,342$887$578$79
34 years$2,768$1,886$1,254$816$523$67
35 years$2,659$1,789$1,172$751$474$56
36 years$2,557$1,698$1,096$692$429$47
37 years$2,461$1,613$1,026$638$389$40
38 years$2,369$1,533$961$588$353$33
39 years$2,283$1,457$900$542$320$28
40 years$2,201$1,387$844$500$290$24
41 years$2,123$1,320$791$461$263$20
42 years$2,050$1,257$742$426$239$17
43 years$1,980$1,198$697$393$217$14
44 years$1,913$1,142$654$363$197$12
45 years$1,849$1,089$614$335$179$10
46 years$1,789$1,039$577$309$162$8
47 years$1,731$991$542$286$147$7
48 years$1,675$946$509$264$134$6
49 years$1,623$904$479$244$121$5
50 years$1,572$863$450$226$110$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,610,000, adding $3,807 every year, while hoping to spend $43,816 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: 66/11/23 Blend
34$1,610,000$1,610,000$1,610,000$1,610,000
35$1,778,147$1,692,817$1,667,862$1,884,759
36$1,912,898$1,729,145$1,677,115$1,993,223
37$2,059,925$1,765,785$1,685,210$2,106,429
38$2,220,434$1,802,705$1,692,062$2,229,181
39$2,395,753$1,839,872$1,697,580$2,362,420
40$2,587,342$1,877,248$1,701,672$2,507,181
41$2,796,811$1,914,793$1,704,238$2,664,608
42$3,025,931$1,952,464$1,705,175$2,835,959
43$3,276,653$1,990,211$1,704,375$3,022,622
44$3,551,123$2,027,983$1,701,723$3,226,125
45$3,851,707$2,065,724$1,697,100$3,448,153
46$4,181,010$2,103,372$1,690,382$3,690,565
47$4,541,899$2,140,863$1,681,435$3,955,407
48$4,937,533$2,178,126$1,670,124$4,244,936
49$5,371,391$2,215,084$1,656,302$4,561,640
50$5,847,304$2,251,655$1,639,820$4,908,261
51$6,369,494$2,287,751$1,620,519$5,287,819
52$6,942,609$2,323,277$1,598,233$5,703,647
53$7,571,769$2,358,132$1,572,788$6,159,415
54$8,262,616$2,392,207$1,544,003$6,659,172
55$9,021,363$2,425,385$1,511,687$7,207,376
56$9,854,855$2,457,541$1,475,641$7,808,947
57$10,770,632$2,488,543$1,435,657$8,469,302
58$11,777,002$2,518,246$1,391,517$9,194,417
59$12,883,116$2,546,500$1,342,992$9,990,875
60$14,099,056$2,573,142$1,289,846$10,865,935
61$15,435,932$2,597,998$1,231,827$11,827,597
62$16,905,980$2,620,882$1,168,676$12,884,678
63$18,522,684$2,641,600$1,100,121$14,046,898
64$20,300,898$2,659,939$1,025,876$15,324,970
65$22,256,992$2,675,678$945,644$16,730,701
66$24,408,996$2,688,577$859,115$18,277,108
67$26,776,782$2,698,386$765,963$19,978,534
68$29,382,241$2,704,834$665,850$21,850,792
69$32,249,495$2,707,636$558,422$23,911,309
70$35,405,122$2,706,489$443,308$26,179,293
71$38,878,408$2,701,070$320,122$28,675,915
72$42,701,621$2,691,038$188,461$31,424,510
73$46,910,317$2,676,029$47,905$34,450,796
74$51,543,673$2,655,658$0$37,783,120
75$56,644,859$2,629,517$0$41,477,779
76$62,261,443$2,597,172$0$45,558,327
77$68,445,842$2,558,165$0$50,051,064
78$75,255,812$2,512,010$0$54,997,942
79$82,754,997$2,458,190$0$60,445,189
80$91,013,526$2,396,160$0$66,443,748
81$100,108,676$2,325,343$0$73,049,757
82$110,125,603$2,245,127$0$80,325,080
83$121,158,140$2,154,864$0$88,337,887
84$133,309,688$2,053,869$0$97,163,305
85$146,694,186$1,941,418$0$106,884,118
86$161,437,190$1,816,745$0$117,591,558
87$177,677,057$1,679,039$0$129,386,160
88$195,566,248$1,527,444$0$142,378,710
89$215,272,771$1,361,054$0$156,691,300
90$236,981,759$1,178,911$0$172,458,469
91$260,897,226$980,006$0$189,828,482
92$287,243,986$763,269$0$208,964,726
93$316,269,775$527,572$0$230,047,254
94$348,247,593$271,723$0$253,274,485
95$383,478,274$0$0$278,865,075
96$422,293,331$0$0$307,060,656
97$465,058,083$0$0$338,161,741
98$512,175,101$0$0$372,428,235
99$564,088,009$0$0$410,182,792
100$621,285,671$0$0$451,780,970