Can I retire at age 35 with 1,660,000?

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 $1,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$137,081$135,860$134,669$133,506$132,371$129,066
2 years$67,862$66,598$65,373$64,186$63,034$59,725
3 years$44,792$43,523$42,301$41,124$39,991$36,782
4 years$33,259$31,994$30,784$29,628$28,522$25,437
5 years$26,341$25,083$23,890$22,757$21,682$18,730
6 years$21,731$20,483$19,306$18,199$17,156$14,340
7 years$18,439$17,201$16,044$14,962$13,953$11,273
8 years$15,971$14,745$13,606$12,552$11,575$9,030
9 years$14,053$12,838$11,719$10,691$9,748$7,336
10 years$12,519$11,316$10,217$9,216$8,306$6,024
11 years$11,265$10,074$8,995$8,021$7,143$4,988
12 years$10,221$9,042$7,983$7,035$6,190$4,158
13 years$9,338$8,171$7,132$6,211$5,398$3,485
14 years$8,582$7,427$6,408$5,513$4,732$2,933
15 years$7,927$6,785$5,786$4,917$4,166$2,478
16 years$7,354$6,225$5,246$4,403$3,682$2,100
17 years$6,850$5,733$4,773$3,956$3,265$1,783
18 years$6,402$5,298$4,357$3,565$2,903$1,518
19 years$6,002$4,910$3,989$3,221$2,587$1,294
20 years$5,642$4,562$3,661$2,917$2,311$1,105
21 years$5,317$4,250$3,367$2,648$2,068$945
22 years$5,021$3,967$3,104$2,407$1,854$809
23 years$4,752$3,710$2,866$2,192$1,664$693
24 years$4,506$3,476$2,650$2,000$1,496$594
25 years$4,280$3,262$2,455$1,826$1,346$510
26 years$4,071$3,066$2,276$1,670$1,212$438
27 years$3,878$2,885$2,114$1,528$1,093$376
28 years$3,700$2,719$1,965$1,400$986$323
29 years$3,534$2,565$1,829$1,284$891$278
30 years$3,379$2,422$1,703$1,179$805$239
31 years$3,235$2,290$1,588$1,082$728$205
32 years$3,099$2,167$1,482$995$658$176
33 years$2,973$2,052$1,383$915$596$152
34 years$2,854$1,945$1,293$842$539$131
35 years$2,742$1,845$1,208$775$488$112
36 years$2,636$1,751$1,131$714$443$97
37 years$2,537$1,663$1,058$657$401$83
38 years$2,443$1,580$991$606$364$72
39 years$2,354$1,503$928$559$330$62
40 years$2,269$1,430$870$515$299$53
41 years$2,189$1,361$816$475$271$46
42 years$2,113$1,296$765$439$246$39
43 years$2,041$1,235$718$405$223$34
44 years$1,972$1,177$674$374$203$29
45 years$1,907$1,123$633$345$184$25
46 years$1,844$1,071$595$319$167$22
47 years$1,785$1,022$559$295$152$19
48 years$1,727$976$525$272$138$16
49 years$1,673$932$493$252$125$14
50 years$1,621$890$464$233$114$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,660,000, adding $4,487 every year, while hoping to spend $54,850 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: 56/27/17 Blend
34$1,660,000$1,660,000$1,660,000$1,660,000
35$1,833,948$1,745,968$1,720,238$1,928,162
36$1,962,651$1,773,161$1,719,506$2,019,950
37$2,102,643$1,799,847$1,716,911$2,113,584
38$2,255,018$1,825,945$1,712,333$2,214,350
39$2,420,980$1,851,366$1,705,646$2,322,942
40$2,601,851$1,876,015$1,696,717$2,440,127
41$2,799,091$1,899,790$1,685,408$2,566,753
42$3,014,302$1,922,584$1,671,573$2,703,752
43$3,249,251$1,944,280$1,655,060$2,852,156
44$3,505,880$1,964,756$1,635,711$3,013,100
45$3,786,329$1,983,878$1,613,356$3,187,839
46$4,092,954$2,001,508$1,587,823$3,377,755
47$4,428,348$2,017,494$1,558,928$3,584,375
48$4,795,366$2,031,678$1,526,479$3,809,382
49$5,197,153$2,043,890$1,490,276$4,054,634
50$5,637,171$2,053,949$1,450,108$4,322,179
51$6,119,233$2,061,663$1,405,757$4,614,278
52$6,647,538$2,066,828$1,356,993$4,933,423
53$7,226,711$2,069,226$1,303,576$5,282,366
54$7,861,845$2,068,627$1,245,255$5,664,140
55$8,558,549$2,064,787$1,181,768$6,082,092
56$9,323,004$2,057,444$1,112,840$6,539,915
57$10,162,015$2,046,323$1,038,184$7,041,678
58$11,083,078$2,031,131$957,501$7,591,875
59$12,094,453$2,011,557$870,479$8,195,458
60$13,205,237$1,987,273$776,789$8,857,892
61$14,425,451$1,957,929$676,092$9,585,201
62$15,766,135$1,923,156$568,029$10,384,033
63$17,239,452$1,882,561$452,228$11,261,716
64$18,858,800$1,835,730$328,302$12,226,333
65$20,638,940$1,782,224$195,842$13,286,799
66$22,596,135$1,721,576$54,427$14,452,944
67$24,748,304$1,653,296$0$15,735,609
68$27,115,185$1,576,862$0$17,164,248
69$29,718,529$1,491,723$0$18,746,216
70$32,582,298$1,397,297$0$20,486,250
71$35,732,894$1,292,966$0$22,400,471
72$39,199,409$1,178,081$0$24,506,645
73$43,013,893$1,051,951$0$26,824,356
74$47,211,663$913,850$0$29,375,193
75$51,831,631$763,008$0$32,182,949
76$56,916,675$598,612$0$35,273,856
77$62,514,037$419,805$0$38,676,823
78$68,675,773$225,680$0$42,423,718
79$75,459,244$15,280$0$46,549,668
80$82,927,652$0$0$51,093,390
81$91,150,643$0$0$56,160,667
82$100,204,956$0$0$61,745,422
83$110,175,153$0$0$67,895,299
84$121,154,413$0$0$74,667,796
85$133,245,411$0$0$82,126,274
86$146,561,288$0$0$90,340,551
87$161,226,718$0$0$99,387,562
88$177,379,081$0$0$109,352,085
89$195,169,762$0$0$120,327,540
90$214,765,581$0$0$132,416,870
91$236,350,362$0$0$145,733,512
92$260,126,668$0$0$160,402,472
93$286,317,718$0$0$176,561,495
94$315,169,486$0$0$194,362,375
95$346,953,027$0$0$213,972,380
96$381,967,030$0$0$235,575,835
97$420,540,643$0$0$259,375,858
98$463,036,573$0$0$285,596,278
99$509,854,512$0$0$314,483,750
100$561,434,910$0$0$346,310,079