Can I retire at age 35 with 1,630,000?

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 $1,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$134,604$133,405$132,235$131,093$129,978$127,668
2 years$66,636$65,395$64,192$63,026$61,895$59,574
3 years$43,982$42,736$41,536$40,381$39,268$37,011
4 years$32,658$31,416$30,228$29,092$28,007$25,829
5 years$25,865$24,630$23,458$22,346$21,290$19,200
6 years$21,338$20,112$18,958$17,870$16,846$14,844
7 years$18,106$16,890$15,754$14,692$13,700$11,788
8 years$15,683$14,478$13,361$12,325$11,366$9,542
9 years$13,799$12,606$11,507$10,498$9,572$7,836
10 years$12,293$11,111$10,032$9,049$8,156$6,506
11 years$11,061$9,892$8,832$7,876$7,014$5,449
12 years$10,036$8,878$7,839$6,908$6,078$4,596
13 years$9,169$8,023$7,003$6,099$5,300$3,898
14 years$8,426$7,293$6,292$5,414$4,646$3,322
15 years$7,784$6,662$5,681$4,828$4,091$2,841
16 years$7,222$6,113$5,151$4,323$3,616$2,439
17 years$6,726$5,629$4,687$3,884$3,206$2,098
18 years$6,286$5,202$4,279$3,500$2,850$1,810
19 years$5,893$4,821$3,917$3,163$2,541$1,564
20 years$5,540$4,480$3,595$2,865$2,269$1,354
21 years$5,221$4,173$3,306$2,600$2,031$1,174
22 years$4,931$3,895$3,047$2,364$1,820$1,019
23 years$4,666$3,643$2,814$2,153$1,634$885
24 years$4,425$3,413$2,602$1,964$1,469$770
25 years$4,202$3,203$2,410$1,793$1,322$670
26 years$3,998$3,011$2,235$1,640$1,190$583
27 years$3,808$2,833$2,076$1,501$1,073$508
28 years$3,633$2,670$1,930$1,375$968$443
29 years$3,470$2,519$1,796$1,261$875$387
30 years$3,318$2,379$1,673$1,157$790$337
31 years$3,176$2,249$1,559$1,063$714$294
32 years$3,043$2,128$1,455$977$646$257
33 years$2,919$2,015$1,358$898$585$224
34 years$2,802$1,910$1,269$826$529$196
35 years$2,692$1,811$1,187$761$480$171
36 years$2,589$1,719$1,110$701$435$150
37 years$2,491$1,633$1,039$646$394$131
38 years$2,399$1,552$973$595$357$114
39 years$2,311$1,476$912$549$324$100
40 years$2,228$1,404$854$506$294$87
41 years$2,150$1,336$801$467$266$76
42 years$2,075$1,273$752$431$242$67
43 years$2,004$1,213$705$398$219$58
44 years$1,937$1,156$662$367$199$51
45 years$1,872$1,102$622$339$181$45
46 years$1,811$1,052$584$313$164$39
47 years$1,752$1,003$548$289$149$34
48 years$1,696$958$515$267$135$30
49 years$1,643$915$484$247$123$26
50 years$1,591$874$455$228$112$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,630,000, adding $2,090 every year, while hoping to spend $39,546 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: 70/15/15 Blend
34$1,630,000$1,630,000$1,630,000$1,630,000
35$1,798,416$1,712,026$1,686,761$1,917,995
36$1,939,778$1,753,838$1,701,191$2,039,563
37$2,094,233$1,796,374$1,714,779$2,167,620
38$2,263,075$1,839,628$1,727,454$2,306,751
39$2,447,730$1,883,590$1,739,145$2,458,041
40$2,649,764$1,928,252$1,749,772$2,622,687
41$2,870,905$1,973,602$1,759,255$2,802,007
42$3,113,055$2,019,626$1,767,507$2,997,453
43$3,378,308$2,066,309$1,774,440$3,210,623
44$3,668,970$2,113,632$1,779,958$3,443,279
45$3,987,581$2,161,576$1,783,963$3,697,362
46$4,336,938$2,210,117$1,786,349$3,975,011
47$4,720,121$2,259,229$1,787,008$4,278,580
48$5,140,526$2,308,883$1,785,825$4,610,666
49$5,601,888$2,359,047$1,782,679$4,974,128
50$6,108,326$2,409,686$1,777,444$5,372,117
51$6,664,375$2,460,759$1,769,987$5,808,105
52$7,275,030$2,512,225$1,760,171$6,285,917
53$7,945,795$2,564,036$1,747,848$6,809,769
54$8,682,732$2,616,140$1,732,867$7,384,307
55$9,492,520$2,668,481$1,715,068$8,014,648
56$10,382,518$2,720,997$1,694,284$8,706,434
57$11,360,831$2,773,622$1,670,338$9,465,879
58$12,436,390$2,826,283$1,643,048$10,299,834
59$13,619,033$2,878,903$1,612,222$11,215,846
60$14,919,601$2,931,396$1,577,658$12,222,232
61$16,350,037$2,983,671$1,539,146$13,328,159
62$17,923,499$3,035,629$1,496,466$14,543,729
63$19,654,487$3,087,165$1,449,388$15,880,072
64$21,558,972$3,138,164$1,397,671$17,349,456
65$23,654,557$3,188,504$1,341,062$18,965,399
66$25,960,633$3,238,052$1,279,299$20,742,801
67$28,498,568$3,286,667$1,212,106$22,698,079
68$31,291,906$3,334,198$1,139,196$24,849,326
69$34,366,589$3,380,482$1,060,268$27,216,483
70$37,751,202$3,425,346$975,007$29,821,524
71$41,477,240$3,468,603$883,085$32,688,665
72$45,579,409$3,510,056$784,159$35,844,594
73$50,095,952$3,549,492$677,872$39,318,722
74$55,069,006$3,586,684$563,848$43,143,461
75$60,545,005$3,621,392$441,697$47,354,533
76$66,575,113$3,653,358$311,012$51,991,301
77$73,215,710$3,682,307$171,365$57,097,147
78$80,528,920$3,707,948$22,314$62,719,882
79$88,583,202$3,729,970$0$68,912,192
80$97,453,991$3,748,041$0$75,754,028
81$107,224,413$3,761,809$0$83,292,728
82$117,986,066$3,770,901$0$91,595,317
83$129,839,888$3,774,918$0$100,739,594
84$142,897,105$3,773,438$0$110,811,293
85$157,280,286$3,766,013$0$121,904,892
86$173,124,493$3,752,165$0$134,124,503
87$190,578,560$3,731,390$0$147,584,856
88$209,806,496$3,703,151$0$162,412,383
89$230,989,033$3,666,879$0$178,746,411
90$254,325,330$3,621,972$0$196,740,475
91$280,034,855$3,567,790$0$216,563,773
92$308,359,454$3,503,656$0$238,402,757
93$339,565,635$3,428,852$0$262,462,899
94$373,947,083$3,342,618$0$288,970,625
95$411,827,429$3,244,150$0$318,175,460
96$453,563,309$3,132,596$0$350,352,376
97$499,547,728$3,007,055$0$385,804,396
98$550,213,768$2,866,572$0$424,865,448
99$606,038,678$2,710,139$0$467,903,523
100$667,548,376$2,536,689$0$515,324,145