Can I retire at age 35 with 1,650,000?

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 $1,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$136,255$135,042$133,858$132,702$131,573$129,500
2 years$67,453$66,197$64,979$63,799$62,654$60,571
3 years$44,522$43,260$42,046$40,877$39,750$37,722
4 years$33,059$31,801$30,599$29,449$28,350$26,392
5 years$26,183$24,932$23,746$22,620$21,551$19,669
6 years$21,600$20,359$19,190$18,089$17,053$15,249
7 years$18,328$17,098$15,947$14,872$13,869$12,143
8 years$15,875$14,656$13,524$12,476$11,505$9,858
9 years$13,968$12,761$11,649$10,627$9,689$8,120
10 years$12,444$11,248$10,156$9,160$8,256$6,762
11 years$11,197$10,013$8,941$7,972$7,100$5,682
12 years$10,159$8,987$7,935$6,993$6,153$4,807
13 years$9,281$8,122$7,089$6,174$5,365$4,091
14 years$8,530$7,383$6,370$5,480$4,703$3,498
15 years$7,879$6,744$5,751$4,887$4,141$3,002
16 years$7,310$6,188$5,214$4,376$3,660$2,586
17 years$6,809$5,699$4,745$3,932$3,245$2,233
18 years$6,363$5,266$4,331$3,543$2,885$1,933
19 years$5,966$4,880$3,965$3,202$2,572$1,676
20 years$5,608$4,535$3,639$2,900$2,297$1,457
21 years$5,285$4,224$3,347$2,632$2,056$1,267
22 years$4,991$3,943$3,085$2,393$1,843$1,104
23 years$4,724$3,688$2,848$2,179$1,654$963
24 years$4,479$3,455$2,634$1,988$1,487$841
25 years$4,254$3,243$2,440$1,815$1,338$735
26 years$4,047$3,048$2,263$1,660$1,205$642
27 years$3,855$2,868$2,101$1,519$1,086$562
28 years$3,677$2,703$1,953$1,392$980$492
29 years$3,512$2,550$1,818$1,276$885$431
30 years$3,359$2,408$1,693$1,171$800$378
31 years$3,215$2,276$1,578$1,076$723$331
32 years$3,081$2,154$1,473$989$654$290
33 years$2,955$2,040$1,375$909$592$254
34 years$2,837$1,933$1,285$837$536$223
35 years$2,725$1,834$1,201$770$485$196
36 years$2,621$1,740$1,124$709$440$172
37 years$2,522$1,653$1,052$653$399$151
38 years$2,428$1,571$985$602$361$132
39 years$2,340$1,494$923$555$328$116
40 years$2,256$1,421$865$512$297$102
41 years$2,176$1,353$811$473$270$90
42 years$2,101$1,288$761$436$245$79
43 years$2,029$1,228$714$403$222$69
44 years$1,960$1,170$670$372$202$61
45 years$1,895$1,116$629$343$183$53
46 years$1,833$1,064$591$317$166$47
47 years$1,774$1,016$555$293$151$41
48 years$1,717$970$522$271$137$36
49 years$1,663$926$490$250$124$32
50 years$1,611$885$461$231$113$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,650,000, adding $5,896 every year, while hoping to spend $30,128 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: 35/50/15 Blend
34$1,650,000$1,650,000$1,650,000$1,650,000
35$1,824,382$1,736,932$1,711,357$1,879,591
36$1,978,413$1,789,985$1,736,631$1,973,233
37$2,147,145$1,844,629$1,761,743$2,070,933
38$2,332,047$1,900,909$1,786,654$2,175,698
39$2,534,734$1,958,871$1,811,325$2,288,170
40$2,756,987$2,018,566$1,835,714$2,409,056
41$3,000,766$2,080,043$1,859,778$2,539,132
42$3,268,232$2,143,353$1,883,468$2,679,249
43$3,561,763$2,208,549$1,906,736$2,830,345
44$3,883,980$2,275,684$1,929,529$2,993,453
45$4,237,769$2,344,816$1,951,791$3,169,704
46$4,626,309$2,416,000$1,973,464$3,360,347
47$5,053,104$2,489,295$1,994,486$3,566,753
48$5,522,011$2,564,761$2,014,792$3,790,434
49$6,037,282$2,642,460$2,034,313$4,033,049
50$6,603,600$2,722,455$2,052,977$4,296,426
51$7,226,122$2,804,811$2,070,707$4,582,580
52$7,910,535$2,889,595$2,087,424$4,893,723
53$8,663,099$2,976,874$2,103,042$5,232,294
54$9,490,713$3,066,719$2,117,472$5,600,977
55$10,400,980$3,159,202$2,130,621$6,002,728
56$11,402,273$3,254,397$2,142,391$6,440,800
57$12,503,821$3,352,378$2,152,677$6,918,775
58$13,715,790$3,453,224$2,161,370$7,440,599
59$15,049,382$3,557,013$2,168,358$8,010,616
60$16,516,939$3,663,828$2,173,518$8,633,612
61$18,132,062$3,773,750$2,176,726$9,314,855
62$19,909,735$3,886,867$2,177,849$10,060,150
63$21,866,469$4,003,264$2,176,748$10,875,890
64$24,020,457$4,123,032$2,173,277$11,769,116
65$26,391,745$4,246,262$2,167,284$12,747,584
66$29,002,423$4,373,049$2,158,608$13,819,838
67$31,876,830$4,503,488$2,147,080$14,995,292
68$35,041,784$4,637,677$2,132,526$16,284,313
69$38,526,841$4,775,717$2,114,759$17,698,325
70$42,364,563$4,917,711$2,093,588$19,249,912
71$46,590,834$5,063,765$2,068,809$20,952,937
72$51,245,194$5,213,985$2,040,210$22,822,676
73$56,371,216$5,368,482$2,007,569$24,875,957
74$62,016,911$5,527,369$1,970,653$27,131,322
75$68,235,185$5,690,759$1,929,219$29,609,200
76$75,084,339$5,858,771$1,883,013$32,332,098
77$82,628,615$6,031,524$1,831,767$35,324,818
78$90,938,806$6,209,141$1,775,204$38,614,685
79$100,092,921$6,391,746$1,713,030$42,231,807
80$110,176,925$6,579,467$1,644,942$46,209,362
81$121,285,544$6,772,435$1,570,621$50,583,904
82$133,523,166$6,970,780$1,489,733$55,395,713
83$147,004,820$7,174,639$1,401,930$60,689,174
84$161,857,265$7,384,150$1,306,848$66,513,192
85$178,220,184$7,599,451$1,204,106$72,921,661
86$196,247,506$7,820,688$1,093,307$79,973,962
87$216,108,854$8,048,004$974,035$87,735,531
88$237,991,149$8,281,548$845,856$96,278,475
89$262,100,372$8,521,469$708,319$105,682,250
90$288,663,511$8,767,922$560,948$116,034,412
91$317,930,700$9,021,062$403,252$127,431,444
92$350,177,584$9,281,046$234,713$139,979,663
93$385,707,915$9,548,035$54,793$153,796,230
94$424,856,425$9,822,191$0$169,010,247
95$467,991,981$10,103,679$0$185,785,945
96$515,521,070$10,392,667$0$204,268,924
97$567,891,635$10,689,323$0$224,623,263
98$625,597,300$10,993,819$0$247,039,445
99$689,182,037$11,306,327$0$271,727,369
100$759,245,291$11,627,024$0$298,918,331