Can I retire at age 35 with 1,700,000?

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 $1,700,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$140,384$139,134$137,914$136,723$135,560$130,751
2 years$69,497$68,203$66,949$65,732$64,553$59,758
3 years$45,871$44,571$43,320$42,115$40,955$36,326
4 years$34,061$32,765$31,526$30,342$29,209$24,782
5 years$26,976$25,688$24,465$23,305$22,204$17,990
6 years$22,255$20,976$19,772$18,637$17,570$13,571
7 years$18,883$17,616$16,430$15,323$14,289$10,506
8 years$16,356$15,100$13,934$12,854$11,854$8,283
9 years$14,392$13,147$12,002$10,949$9,983$6,619
10 years$12,821$11,589$10,463$9,438$8,506$5,344
11 years$11,537$10,317$9,212$8,214$7,315$4,349
12 years$10,467$9,260$8,175$7,205$6,339$3,561
13 years$9,563$8,368$7,304$6,361$5,528$2,930
14 years$8,788$7,606$6,563$5,646$4,846$2,421
15 years$8,118$6,949$5,925$5,035$4,267$2,006
16 years$7,532$6,375$5,372$4,509$3,771$1,667
17 years$7,015$5,871$4,888$4,051$3,343$1,389
18 years$6,556$5,425$4,462$3,651$2,973$1,159
19 years$6,146$5,028$4,085$3,299$2,650$968
20 years$5,778$4,672$3,749$2,988$2,367$810
21 years$5,445$4,352$3,448$2,712$2,118$678
22 years$5,142$4,063$3,178$2,465$1,899$568
23 years$4,867$3,800$2,935$2,245$1,704$477
24 years$4,615$3,560$2,714$2,048$1,532$400
25 years$4,383$3,341$2,514$1,870$1,378$336
26 years$4,169$3,140$2,331$1,710$1,242$282
27 years$3,972$2,955$2,165$1,565$1,119$237
28 years$3,789$2,784$2,013$1,434$1,010$199
29 years$3,619$2,627$1,873$1,315$912$167
30 years$3,460$2,481$1,744$1,207$824$141
31 years$3,313$2,345$1,626$1,108$745$118
32 years$3,174$2,219$1,517$1,019$674$100
33 years$3,044$2,101$1,417$937$610$84
34 years$2,923$1,992$1,324$862$552$70
35 years$2,808$1,889$1,238$793$500$59
36 years$2,700$1,793$1,158$731$453$50
37 years$2,598$1,703$1,084$673$411$42
38 years$2,502$1,618$1,015$621$372$35
39 years$2,411$1,539$951$572$338$30
40 years$2,324$1,464$891$528$306$25
41 years$2,242$1,394$836$487$278$21
42 years$2,164$1,327$784$449$252$18
43 years$2,090$1,265$736$415$229$15
44 years$2,020$1,206$690$383$208$13
45 years$1,953$1,150$648$354$189$11
46 years$1,889$1,097$609$327$171$9
47 years$1,828$1,047$572$302$155$7
48 years$1,769$999$538$279$141$6
49 years$1,713$954$505$258$128$5
50 years$1,660$911$475$238$116$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,700,000, adding $2,700 every year, while hoping to spend $20,570 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: 54/37/9 Blend
34$1,700,000$1,700,000$1,700,000$1,700,000
35$1,876,185$1,786,085$1,759,735$1,973,183
36$2,045,670$1,851,717$1,796,800$2,104,842
37$2,231,752$1,919,875$1,834,417$2,245,581
38$2,436,104$1,990,662$1,872,583$2,398,266
39$2,660,566$2,064,184$1,911,294$2,564,032
40$2,907,167$2,140,552$1,950,545$2,744,128
41$3,178,140$2,219,882$1,990,331$2,939,929
42$3,475,948$2,302,293$2,030,645$3,152,946
43$3,803,302$2,387,913$2,071,478$3,384,841
44$4,163,189$2,476,871$2,112,823$3,637,441
45$4,558,901$2,569,304$2,154,670$3,912,757
46$4,994,064$2,665,356$2,197,006$4,213,002
47$5,472,674$2,765,174$2,239,822$4,540,609
48$5,999,133$2,868,913$2,283,101$4,898,258
49$6,578,290$2,976,735$2,326,830$5,288,896
50$7,215,489$3,088,808$2,370,993$5,715,766
51$7,916,618$3,205,309$2,415,570$6,182,439
52$8,688,165$3,326,421$2,460,544$6,692,844
53$9,537,277$3,452,335$2,505,891$7,251,309
54$10,471,830$3,583,250$2,551,589$7,862,595
55$11,500,503$3,719,376$2,597,614$8,531,945
56$12,632,858$3,860,929$2,643,937$9,265,131
57$13,879,431$4,008,136$2,690,531$10,068,509
58$15,251,832$4,161,234$2,737,363$10,949,076
59$16,762,854$4,320,469$2,784,400$11,914,538
60$18,426,593$4,486,101$2,831,605$12,973,381
61$20,258,583$4,658,397$2,878,941$14,134,948
62$22,275,938$4,837,638$2,926,366$15,409,530
63$24,497,520$5,024,118$2,973,835$16,808,461
64$26,944,110$5,218,143$3,021,302$18,344,221
65$29,638,609$5,420,032$3,068,715$20,030,558
66$32,606,253$5,630,120$3,116,023$21,882,614
67$35,874,848$5,848,753$3,163,167$23,917,066
68$39,475,037$6,076,296$3,210,088$26,152,285
69$43,440,585$6,313,129$3,256,720$28,608,505
70$47,808,701$6,559,648$3,302,996$31,308,015
71$52,620,385$6,816,268$3,348,843$34,275,369
72$57,920,820$7,083,421$3,394,185$37,537,615
73$63,759,794$7,361,558$3,438,940$41,124,548
74$70,192,171$7,651,153$3,483,023$45,068,993
75$77,278,410$7,952,697$3,526,342$49,407,111
76$85,085,134$8,266,706$3,568,801$54,178,738
77$93,685,761$8,593,717$3,610,299$59,427,764
78$103,161,193$8,934,294$3,650,728$65,202,540
79$113,600,583$9,289,022$3,689,976$71,556,337
80$125,102,174$9,658,516$3,727,922$78,547,845
81$137,774,230$10,043,417$3,764,440$86,241,725
82$151,736,051$10,444,394$3,799,399$94,709,221
83$167,119,107$10,862,148$3,832,657$104,028,825
84$184,068,272$11,297,410$3,864,068$114,287,020
85$202,743,198$11,750,945$3,893,477$125,579,094
86$223,319,815$12,223,553$3,920,719$138,010,034
87$245,991,997$12,716,067$3,945,623$151,695,520
88$270,973,388$13,229,362$3,968,009$166,763,009
89$298,499,422$13,764,349$3,987,686$183,352,940
90$328,829,545$14,321,984$4,004,456$201,620,056
91$362,249,660$14,903,263$4,018,107$221,734,861
92$399,074,832$15,509,229$4,028,419$243,885,226
93$439,652,255$16,140,972$4,035,162$268,278,163
94$484,364,538$16,799,632$4,038,092$295,141,774
95$533,633,307$17,486,401$4,036,955$324,727,401
96$587,923,194$18,202,524$4,031,482$357,311,994
97$647,746,217$18,949,304$4,021,394$393,200,726
98$713,666,616$19,728,105$4,006,396$432,729,866
99$786,306,180$20,540,351$3,986,179$476,269,954
100$866,350,115$21,387,533$3,960,421$524,229,290