Can I retire at age 35 with 1,680,000?

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 $1,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$138,733$137,497$136,291$135,115$133,966$130,515
2 years$68,680$67,401$66,161$64,959$63,793$60,340
3 years$45,332$44,047$42,810$41,620$40,473$37,125
4 years$33,660$32,379$31,155$29,985$28,866$25,649
5 years$26,659$25,386$24,178$23,031$21,943$18,866
6 years$21,993$20,729$19,539$18,418$17,363$14,428
7 years$18,661$17,408$16,237$15,143$14,121$11,329
8 years$16,164$14,922$13,770$12,703$11,714$9,065
9 years$14,222$12,993$11,860$10,820$9,865$7,355
10 years$12,670$11,452$10,340$9,327$8,406$6,032
11 years$11,401$10,195$9,103$8,117$7,229$4,988
12 years$10,344$9,151$8,079$7,120$6,265$4,153
13 years$9,450$8,270$7,218$6,286$5,463$3,476
14 years$8,685$7,517$6,485$5,580$4,789$2,922
15 years$8,022$6,867$5,855$4,976$4,216$2,465
16 years$7,443$6,300$5,309$4,456$3,726$2,085
17 years$6,932$5,802$4,831$4,003$3,304$1,769
18 years$6,479$5,361$4,410$3,608$2,938$1,503
19 years$6,074$4,969$4,037$3,260$2,619$1,280
20 years$5,710$4,617$3,705$2,953$2,339$1,091
21 years$5,381$4,301$3,408$2,680$2,093$932
22 years$5,082$4,015$3,141$2,436$1,876$796
23 years$4,810$3,755$2,900$2,219$1,684$681
24 years$4,560$3,518$2,682$2,024$1,514$583
25 years$4,331$3,302$2,484$1,848$1,362$499
26 years$4,120$3,103$2,304$1,690$1,227$428
27 years$3,925$2,920$2,139$1,547$1,106$367
28 years$3,744$2,752$1,989$1,417$998$315
29 years$3,576$2,596$1,851$1,300$901$270
30 years$3,420$2,452$1,724$1,193$814$232
31 years$3,274$2,318$1,607$1,095$736$199
32 years$3,137$2,193$1,500$1,007$666$171
33 years$3,009$2,077$1,400$926$603$147
34 years$2,888$1,968$1,308$852$546$126
35 years$2,775$1,867$1,223$784$494$108
36 years$2,668$1,772$1,144$722$448$93
37 years$2,567$1,683$1,071$665$406$80
38 years$2,472$1,599$1,003$613$368$69
39 years$2,382$1,521$940$565$334$59
40 years$2,297$1,447$881$522$303$51
41 years$2,216$1,377$826$481$275$44
42 years$2,139$1,312$775$444$249$38
43 years$2,066$1,250$727$410$226$32
44 years$1,996$1,191$682$379$205$28
45 years$1,930$1,136$641$350$186$24
46 years$1,866$1,084$602$323$169$20
47 years$1,806$1,034$565$298$154$18
48 years$1,748$987$531$276$140$15
49 years$1,693$943$499$255$127$13
50 years$1,640$901$469$235$115$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,680,000, adding $2,305 every year, while hoping to spend $38,572 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: 55/33/12 Blend
34$1,680,000$1,680,000$1,680,000$1,680,000
35$1,853,738$1,764,698$1,738,658$1,949,883
36$2,001,779$1,810,127$1,755,862$2,060,783
37$2,163,627$1,856,491$1,772,351$2,177,072
38$2,340,650$1,903,792$1,788,058$2,302,790
39$2,534,354$1,952,036$1,802,916$2,438,842
40$2,746,398$2,001,225$1,816,852$2,586,226
41$2,978,606$2,051,360$1,829,793$2,746,039
42$3,232,990$2,102,443$1,841,657$2,919,491
43$3,511,763$2,154,471$1,852,361$3,107,913
44$3,817,366$2,207,443$1,861,818$3,312,771
45$4,152,483$2,261,354$1,869,934$3,535,681
46$4,520,073$2,316,197$1,876,614$3,778,421
47$4,923,394$2,371,964$1,881,754$4,042,951
48$5,366,036$2,428,646$1,885,249$4,331,430
49$5,851,952$2,486,230$1,886,984$4,646,235
50$6,385,496$2,544,700$1,886,843$4,989,987
51$6,971,466$2,604,040$1,884,702$5,365,572
52$7,615,146$2,664,229$1,880,431$5,776,170
53$8,322,359$2,725,243$1,873,893$6,225,284
54$9,099,517$2,787,058$1,864,945$6,716,775
55$9,953,685$2,849,641$1,853,439$7,254,897
56$10,892,649$2,912,961$1,839,217$7,844,336
57$11,924,983$2,976,980$1,822,114$8,490,257
58$13,060,135$3,041,656$1,801,959$9,198,352
59$14,308,516$3,106,944$1,778,571$9,974,890
60$15,681,592$3,172,793$1,751,762$10,826,783
61$17,192,002$3,239,146$1,721,333$11,761,646
62$18,853,666$3,305,944$1,687,077$12,787,869
63$20,681,924$3,373,120$1,648,779$13,914,702
64$22,693,678$3,440,601$1,606,210$15,152,334
65$24,907,550$3,508,307$1,559,135$16,511,997
66$27,344,059$3,576,153$1,507,305$18,006,066
67$30,025,814$3,644,046$1,450,461$19,648,181
68$32,977,727$3,711,884$1,388,332$21,453,371
69$36,227,248$3,779,559$1,320,633$23,438,203
70$39,804,622$3,846,952$1,247,069$25,620,930
71$43,743,177$3,913,936$1,167,330$28,021,670
72$48,079,638$3,980,375$1,081,092$30,662,594
73$52,854,469$4,046,122$988,016$33,568,137
74$58,112,260$4,111,017$887,750$36,765,224
75$63,902,144$4,174,891$779,923$40,283,532
76$70,278,264$4,237,561$664,152$44,155,766
77$77,300,278$4,298,833$540,032$48,417,966
78$85,033,926$4,358,496$407,143$53,109,855
79$93,551,651$4,416,327$265,047$58,275,208
80$102,933,278$4,472,085$113,285$63,962,267
81$113,266,772$4,525,516$0$70,224,199
82$124,649,061$4,576,346$0$77,125,832
83$137,186,961$4,624,281$0$84,741,389
84$150,998,172$4,669,013$0$93,127,584
85$166,212,398$4,710,207$0$102,362,914
86$182,972,567$4,747,511$0$112,533,883
87$201,436,178$4,780,548$0$123,735,823
88$221,776,789$4,808,917$0$136,073,788
89$244,185,658$4,832,190$0$149,663,551
90$268,873,542$4,849,914$0$164,632,693
91$296,072,691$4,861,607$0$181,121,815
92$326,039,034$4,866,755$0$199,285,859
93$359,054,603$4,864,814$0$219,295,573
94$395,430,188$4,855,204$0$241,339,126
95$435,508,270$4,837,312$0$265,623,885
96$479,666,259$4,810,486$0$292,378,372
97$528,320,051$4,774,034$0$321,854,420
98$581,927,957$4,727,222$0$354,329,558
99$640,995,026$4,669,274$0$390,109,626
100$706,077,815$4,599,364$0$429,531,668