Can I retire at age 35 with 1,690,000?

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 $1,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$139,559$138,316$137,103$135,919$134,763$131,880
2 years$69,088$67,802$66,555$65,346$64,173$61,283
3 years$45,601$44,309$43,065$41,868$40,714$37,906
4 years$33,860$32,572$31,341$30,163$29,037$26,334
5 years$26,817$25,537$24,322$23,168$22,074$19,483
6 years$22,124$20,853$19,655$18,528$17,466$14,990
7 years$18,772$17,512$16,334$15,233$14,205$11,843
8 years$16,260$15,011$13,852$12,778$11,784$9,537
9 years$14,307$13,070$11,931$10,884$9,924$7,790
10 years$12,745$11,520$10,402$9,382$8,456$6,432
11 years$11,469$10,256$9,157$8,166$7,272$5,357
12 years$10,405$9,205$8,127$7,162$6,302$4,492
13 years$9,507$8,319$7,261$6,323$5,495$3,787
14 years$8,737$7,562$6,524$5,613$4,817$3,207
15 years$8,070$6,908$5,890$5,006$4,241$2,727
16 years$7,487$6,338$5,340$4,482$3,749$2,325
17 years$6,974$5,837$4,860$4,027$3,324$1,988
18 years$6,518$5,393$4,436$3,629$2,955$1,703
19 years$6,110$4,999$4,061$3,279$2,634$1,462
20 years$5,744$4,645$3,727$2,970$2,353$1,257
21 years$5,413$4,327$3,428$2,696$2,106$1,082
22 years$5,112$4,039$3,160$2,451$1,887$933
23 years$4,838$3,777$2,917$2,232$1,694$805
24 years$4,587$3,539$2,698$2,036$1,523$695
25 years$4,357$3,321$2,499$1,859$1,370$601
26 years$4,145$3,121$2,318$1,700$1,234$519
27 years$3,949$2,938$2,152$1,556$1,113$449
28 years$3,767$2,768$2,001$1,426$1,004$389
29 years$3,598$2,611$1,862$1,307$907$337
30 years$3,440$2,466$1,734$1,200$819$292
31 years$3,293$2,331$1,617$1,102$741$253
32 years$3,156$2,206$1,508$1,013$670$219
33 years$3,027$2,089$1,408$931$606$190
34 years$2,905$1,980$1,316$857$549$165
35 years$2,791$1,878$1,230$789$497$143
36 years$2,684$1,782$1,151$726$451$124
37 years$2,583$1,693$1,077$669$408$107
38 years$2,487$1,609$1,009$617$370$93
39 years$2,396$1,530$945$569$336$81
40 years$2,310$1,456$886$525$304$70
41 years$2,229$1,386$831$484$276$61
42 years$2,152$1,320$779$447$251$53
43 years$2,078$1,257$731$412$227$46
44 years$2,008$1,198$686$381$206$40
45 years$1,941$1,143$644$352$187$34
46 years$1,878$1,090$605$325$170$30
47 years$1,817$1,040$569$300$155$26
48 years$1,759$993$534$277$140$23
49 years$1,703$948$502$256$127$20
50 years$1,650$906$472$237$116$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,690,000, adding $5,201 every year, while hoping to spend $36,650 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: 77/9/14 Blend
34$1,690,000$1,690,000$1,690,000$1,690,000
35$1,867,745$1,778,175$1,751,980$2,005,757
36$2,019,259$1,826,310$1,771,676$2,145,606
37$2,185,000$1,875,576$1,790,803$2,293,770
38$2,366,380$1,925,988$1,809,305$2,455,225
39$2,564,953$1,977,564$1,827,119$2,631,283
40$2,782,432$2,030,319$1,844,181$2,823,391
41$3,020,704$2,084,268$1,860,425$3,033,139
42$3,281,845$2,139,426$1,875,778$3,262,283
43$3,568,142$2,195,808$1,890,167$3,512,752
44$3,882,116$2,253,426$1,903,511$3,786,676
45$4,226,542$2,312,293$1,915,727$4,086,398
46$4,604,474$2,372,421$1,926,730$4,414,499
47$5,019,281$2,433,819$1,936,425$4,773,826
48$5,474,670$2,496,499$1,944,718$5,167,511
49$5,974,727$2,560,468$1,951,507$5,599,007
50$6,523,951$2,625,733$1,956,684$6,072,117
51$7,127,300$2,692,300$1,960,139$6,591,033
52$7,790,234$2,760,172$1,961,753$7,160,373
53$8,518,770$2,829,353$1,961,404$7,785,222
54$9,319,536$2,899,842$1,958,963$8,471,188
55$10,199,833$2,971,639$1,954,292$9,224,446
56$11,167,706$3,044,740$1,947,251$10,051,802
57$12,232,018$3,119,138$1,937,690$10,960,754
58$13,402,534$3,194,826$1,925,453$11,959,565
59$14,690,013$3,271,792$1,910,375$13,057,340
60$16,106,307$3,350,023$1,892,286$14,264,110
61$17,664,478$3,429,501$1,871,005$15,590,931
62$19,378,914$3,510,207$1,846,344$17,049,985
63$21,265,473$3,592,116$1,818,105$18,654,693
64$23,341,622$3,675,201$1,786,083$20,419,848
65$25,626,611$3,759,430$1,750,060$22,361,749
66$28,141,650$3,844,766$1,709,812$24,498,358
67$30,910,108$3,931,169$1,665,100$26,849,466
68$33,957,736$4,018,594$1,615,678$29,436,885
69$37,312,908$4,106,988$1,561,286$32,284,649
70$41,006,890$4,196,295$1,501,654$35,419,243
71$45,074,131$4,286,453$1,436,499$38,869,853
72$49,552,595$4,377,391$1,365,523$42,668,643
73$54,484,110$4,469,033$1,288,419$46,851,056
74$59,914,769$4,561,296$1,204,861$51,456,147
75$65,895,365$4,654,089$1,114,513$56,526,960
76$72,481,863$4,747,310$1,017,021$62,110,923
77$79,735,938$4,840,853$912,015$68,260,306
78$87,725,547$4,934,598$799,111$75,032,707
79$96,525,577$5,028,418$677,906$82,491,601
80$106,218,550$5,122,174$547,979$90,706,937
81$116,895,397$5,215,716$408,892$99,755,797
82$128,656,323$5,308,882$260,186$109,723,128
83$141,611,748$5,401,497$101,382$120,702,539
84$155,883,350$5,493,374$0$132,797,190
85$171,605,212$5,584,309$0$146,130,933
86$188,925,089$5,674,086$0$160,835,697
87$208,005,802$5,762,471$0$177,034,459
88$229,026,774$5,849,212$0$194,879,443
89$252,185,724$5,934,042$0$214,538,395
90$277,700,530$6,016,672$0$236,196,167
91$305,811,290$6,096,795$0$260,056,462
92$336,782,584$6,174,081$0$286,343,755
93$370,905,975$6,248,178$0$315,305,414
94$408,502,756$6,318,710$0$347,214,035
95$449,926,986$6,385,276$0$382,370,013
96$495,568,832$6,447,447$0$421,104,377
97$545,858,248$6,504,768$0$463,781,920
98$601,269,039$6,556,751$0$510,804,635
99$662,323,328$6,602,879$0$562,615,517
100$729,596,488$6,642,600$0$619,702,740