Can I retire at age 35 with 1,720,000?

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 $1,720,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$142,036$140,771$139,536$138,332$137,155$135,666
2 years$70,315$69,005$67,736$66,506$65,312$63,813
3 years$46,411$45,096$43,830$42,611$41,437$39,974
4 years$34,461$33,150$31,897$30,699$29,553$28,138
5 years$27,293$25,990$24,753$23,580$22,466$21,102
6 years$22,516$21,223$20,004$18,857$17,776$16,466
7 years$19,106$17,823$16,624$15,503$14,457$13,201
8 years$16,549$15,278$14,098$13,005$11,993$10,791
9 years$14,561$13,302$12,143$11,078$10,100$8,951
10 years$12,972$11,725$10,586$9,549$8,606$7,510
11 years$11,672$10,438$9,320$8,310$7,401$6,357
12 years$10,590$9,369$8,271$7,289$6,414$5,420
13 years$9,675$8,466$7,390$6,435$5,593$4,648
14 years$8,892$7,696$6,640$5,713$4,903$4,006
15 years$8,213$7,030$5,995$5,095$4,317$3,467
16 years$7,620$6,450$5,435$4,562$3,815$3,011
17 years$7,098$5,940$4,946$4,099$3,383$2,622
18 years$6,633$5,489$4,515$3,694$3,008$2,289
19 years$6,219$5,087$4,133$3,338$2,681$2,003
20 years$5,846$4,727$3,793$3,023$2,395$1,756
21 years$5,509$4,403$3,489$2,743$2,143$1,542
22 years$5,203$4,110$3,216$2,494$1,921$1,356
23 years$4,924$3,844$2,969$2,272$1,724$1,193
24 years$4,669$3,602$2,746$2,072$1,550$1,052
25 years$4,434$3,380$2,543$1,892$1,395$928
26 years$4,218$3,177$2,359$1,730$1,256$819
27 years$4,019$2,990$2,190$1,584$1,133$723
28 years$3,834$2,817$2,036$1,451$1,022$639
29 years$3,661$2,658$1,895$1,331$923$565
30 years$3,501$2,510$1,765$1,221$834$500
31 years$3,352$2,373$1,645$1,121$754$443
32 years$3,212$2,245$1,535$1,031$682$392
33 years$3,080$2,126$1,433$948$617$347
34 years$2,957$2,015$1,339$872$559$308
35 years$2,841$1,911$1,252$803$506$273
36 years$2,732$1,814$1,171$739$459$242
37 years$2,629$1,723$1,096$681$416$214
38 years$2,531$1,637$1,027$628$377$190
39 years$2,439$1,557$962$579$342$169
40 years$2,352$1,481$902$534$310$150
41 years$2,269$1,410$845$493$281$133
42 years$2,190$1,343$793$455$255$118
43 years$2,115$1,280$744$420$232$105
44 years$2,044$1,220$699$388$210$93
45 years$1,976$1,163$656$358$191$82
46 years$1,911$1,110$616$331$173$73
47 years$1,849$1,059$579$305$157$65
48 years$1,790$1,011$544$282$143$58
49 years$1,733$965$511$261$130$51
50 years$1,679$922$481$241$118$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,720,000, adding $5,247 every year, while hoping to spend $45,000 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: 48/32/20 Blend
34$1,720,000$1,720,000$1,720,000$1,720,000
35$1,900,852$1,809,692$1,783,032$1,981,119
36$2,046,860$1,850,488$1,794,884$2,078,297
37$2,206,251$1,891,774$1,805,625$2,178,795
38$2,380,345$1,933,527$1,815,170$2,286,984
39$2,570,592$1,975,721$1,823,430$2,403,602
40$2,778,589$2,018,328$1,830,311$2,529,467
41$3,006,094$2,061,315$1,835,715$2,665,477
42$3,255,044$2,104,648$1,839,540$2,812,623
43$3,527,569$2,148,286$1,841,675$2,971,998
44$3,826,019$2,192,190$1,842,009$3,144,806
45$4,152,977$2,236,311$1,840,420$3,332,374
46$4,511,291$2,280,601$1,836,785$3,536,166
47$4,904,097$2,325,004$1,830,971$3,757,795
48$5,334,847$2,369,462$1,822,841$3,999,039
49$5,807,346$2,413,910$1,812,251$4,261,859
50$6,325,782$2,458,279$1,799,048$4,548,417
51$6,894,771$2,502,493$1,783,075$4,861,096
52$7,519,395$2,546,473$1,764,165$5,202,522
53$8,205,253$2,590,130$1,742,145$5,575,594
54$8,958,513$2,633,371$1,716,832$5,983,504
55$9,785,971$2,676,095$1,688,034$6,429,773
56$10,695,110$2,718,194$1,655,554$6,918,283
57$11,694,177$2,759,551$1,619,180$7,453,314
58$12,792,256$2,800,042$1,578,696$8,039,584
59$13,999,355$2,839,533$1,533,871$8,682,295
60$15,326,500$2,877,881$1,484,467$9,387,182
61$16,785,839$2,914,934$1,430,233$10,160,568
62$18,390,756$2,950,527$1,370,907$11,009,424
63$20,155,997$2,984,486$1,306,216$11,941,435
64$22,097,808$3,016,625$1,235,873$12,965,072
65$24,234,089$3,046,745$1,159,580$14,089,676
66$26,584,563$3,074,632$1,077,023$15,325,545
67$29,170,962$3,100,063$987,877$16,684,029
68$32,017,229$3,122,794$891,799$18,177,643
69$35,149,746$3,142,571$788,434$19,820,182
70$38,597,582$3,159,119$677,409$21,626,856
71$42,392,769$3,172,150$558,336$23,614,428
72$46,570,599$3,181,353$430,808$25,801,381
73$51,169,962$3,186,400$294,401$28,208,087
74$56,233,708$3,186,944$148,674$30,857,006
75$61,809,055$3,182,613$0$33,772,893
76$67,948,032$3,173,014$0$36,984,500
77$74,707,969$3,157,731$0$40,554,400
78$82,152,042$3,136,319$0$44,484,101
79$90,349,862$3,108,310$0$48,810,267
80$99,378,136$3,073,206$0$53,573,304
81$109,321,390$3,030,477$0$58,817,746
82$120,272,767$2,979,566$0$64,592,672
83$132,334,903$2,919,878$0$70,952,173
84$145,620,898$2,850,787$0$77,955,864
85$160,255,381$2,771,628$0$85,669,443
86$176,375,688$2,681,695$0$94,165,319
87$194,133,155$2,580,245$0$103,523,291
88$213,694,549$2,466,489$0$113,831,308
89$235,243,639$2,339,594$0$125,186,294
90$258,982,933$2,198,676$0$137,695,071
91$285,135,584$2,042,803$0$151,475,364
92$313,947,501$1,870,988$0$166,656,918
93$345,689,670$1,682,190$0$183,382,720
94$380,660,704$1,475,305$0$201,810,355
95$419,189,670$1,249,170$0$222,113,494
96$461,639,191$1,002,553$0$244,483,536
97$508,408,866$734,156$0$269,131,416
98$559,939,046$442,605$0$296,289,598
99$616,714,988$126,452$0$326,214,277
100$679,271,433$0$0$359,187,795