Can I retire at age 35 with 1,730,000?

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 $1,730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$142,862$141,589$140,348$139,136$137,953$133,644
2 years$70,724$69,406$68,130$66,892$65,692$61,389
3 years$46,681$45,358$44,085$42,859$41,678$37,516
4 years$34,662$33,343$32,082$30,877$29,725$25,736
5 years$27,452$26,141$24,897$23,717$22,596$18,791
6 years$22,647$21,346$20,121$18,966$17,880$14,262
7 years$19,217$17,927$16,720$15,593$14,541$11,110
8 years$16,645$15,366$14,180$13,081$12,063$8,816
9 years$14,646$13,379$12,213$11,142$10,159$7,093
10 years$13,047$11,793$10,648$9,604$8,656$5,766
11 years$11,740$10,499$9,374$8,359$7,444$4,726
12 years$10,652$9,423$8,319$7,332$6,451$3,898
13 years$9,732$8,516$7,433$6,473$5,626$3,232
14 years$8,943$7,741$6,678$5,746$4,931$2,691
15 years$8,261$7,071$6,030$5,124$4,342$2,247
16 years$7,665$6,488$5,467$4,588$3,837$1,883
17 years$7,139$5,975$4,975$4,123$3,402$1,581
18 years$6,672$5,521$4,541$3,715$3,025$1,330
19 years$6,255$5,117$4,157$3,357$2,697$1,120
20 years$5,880$4,755$3,815$3,040$2,409$945
21 years$5,541$4,429$3,509$2,759$2,155$798
22 years$5,233$4,134$3,234$2,509$1,932$675
23 years$4,953$3,867$2,986$2,285$1,734$571
24 years$4,696$3,623$2,762$2,084$1,559$483
25 years$4,460$3,400$2,558$1,903$1,403$409
26 years$4,243$3,195$2,372$1,740$1,264$347
27 years$4,042$3,007$2,203$1,593$1,139$294
28 years$3,856$2,834$2,048$1,459$1,028$249
29 years$3,683$2,673$1,906$1,338$928$211
30 years$3,522$2,525$1,775$1,228$839$179
31 years$3,371$2,387$1,655$1,128$758$152
32 years$3,230$2,258$1,544$1,037$686$129
33 years$3,098$2,139$1,442$953$621$110
34 years$2,974$2,027$1,347$877$562$93
35 years$2,858$1,922$1,259$807$509$79
36 years$2,748$1,825$1,178$744$461$67
37 years$2,644$1,733$1,103$685$418$57
38 years$2,546$1,647$1,033$632$379$48
39 years$2,453$1,566$968$582$344$41
40 years$2,365$1,490$907$537$312$35
41 years$2,282$1,418$850$496$283$30
42 years$2,203$1,351$798$457$257$25
43 years$2,127$1,287$748$422$233$21
44 years$2,055$1,227$703$390$211$18
45 years$1,987$1,170$660$360$192$15
46 years$1,922$1,116$620$333$174$13
47 years$1,860$1,065$582$307$158$11
48 years$1,800$1,017$547$284$144$9
49 years$1,743$971$514$262$130$8
50 years$1,689$927$483$242$119$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,730,000, adding $3,309 every year, while hoping to spend $29,798 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: 81/7/12 Blend
34$1,730,000$1,730,000$1,730,000$1,730,000
35$1,909,873$1,818,183$1,791,368$2,060,158
36$2,072,975$1,875,569$1,819,674$2,216,634
37$2,251,715$1,934,769$1,847,930$2,384,122
38$2,447,657$1,995,839$1,876,102$2,567,094
39$2,662,521$2,058,838$1,904,155$2,767,088
40$2,898,206$2,123,829$1,932,052$2,985,795
41$3,156,800$2,190,874$1,959,752$3,225,082
42$3,440,605$2,260,037$1,987,215$3,487,001
43$3,752,154$2,331,387$2,014,394$3,773,815
44$4,094,241$2,404,992$2,041,243$4,088,014
45$4,469,940$2,480,924$2,067,712$4,432,345
46$4,882,641$2,559,255$2,093,747$4,809,830
47$5,336,075$2,640,064$2,119,293$5,223,799
48$5,834,355$2,723,427$2,144,289$5,677,921
49$6,382,010$2,809,426$2,168,674$6,176,239
50$6,984,032$2,898,145$2,192,381$6,723,205
51$7,645,918$2,989,669$2,215,341$7,323,724
52$8,373,726$3,084,087$2,237,479$7,983,202
53$9,174,130$3,181,491$2,258,719$8,707,594
54$10,054,484$3,281,976$2,278,978$9,503,458
55$11,022,888$3,385,640$2,298,170$10,378,024
56$12,088,269$3,492,583$2,316,205$11,339,256
57$13,260,461$3,602,909$2,332,988$12,395,929
58$14,550,302$3,716,725$2,348,417$13,557,710
59$15,969,731$3,834,143$2,362,387$14,835,253
60$17,531,904$3,955,275$2,374,786$16,240,296
61$19,251,315$4,080,241$2,385,499$17,785,771
62$21,143,938$4,209,162$2,394,403$19,485,931
63$23,227,372$4,342,163$2,401,367$21,356,477
64$25,521,009$4,479,374$2,406,258$23,414,713
65$28,046,217$4,620,928$2,408,932$25,679,704
66$30,826,541$4,766,964$2,409,241$28,172,460
67$33,887,926$4,917,623$2,407,029$30,916,130
68$37,258,960$5,073,052$2,402,130$33,936,223
69$40,971,145$5,233,403$2,394,372$37,260,849
70$45,059,194$5,398,831$2,383,576$40,920,982
71$49,561,357$5,569,499$2,369,551$44,950,753
72$54,519,783$5,745,573$2,352,099$49,387,775
73$59,980,919$5,927,224$2,331,012$54,273,493
74$65,995,945$6,114,630$2,306,073$59,653,576
75$72,621,257$6,307,973$2,277,053$65,578,353
76$79,919,004$6,507,442$2,243,713$72,103,282
77$87,957,668$6,713,233$2,205,803$79,289,475
78$96,812,714$6,925,545$2,163,061$87,204,276
79$106,567,301$7,144,586$2,115,213$95,921,896
80$117,313,066$7,370,571$2,061,973$105,524,113
81$129,150,989$7,603,720$2,003,040$116,101,044
82$142,192,348$7,844,261$1,938,100$127,751,994
83$156,559,767$8,092,429$1,866,826$140,586,398
84$172,388,372$8,348,467$1,788,873$154,724,847
85$189,827,070$8,612,625$1,703,884$170,300,233
86$209,039,950$8,885,162$1,611,483$187,458,997
87$230,207,834$9,166,345$1,511,277$206,362,518
88$253,529,986$9,456,449$1,402,858$227,188,631
89$279,225,988$9,755,758$1,285,797$250,133,308
90$307,537,814$10,064,565$1,159,646$275,412,506
91$338,732,116$10,383,174$1,023,939$303,264,209
92$373,102,737$10,711,895$878,187$333,950,670
93$410,973,491$11,051,052$721,881$367,760,892
94$452,701,211$11,400,978$554,488$405,013,352
95$498,679,124$11,762,015$375,452$446,059,007
96$549,340,559$12,134,519$184,195$491,284,611
97$605,163,040$12,518,854$0$541,116,363
98$666,672,791$12,915,398$0$596,026,481
99$734,449,705$13,324,542$0$656,555,322
100$809,132,817$13,746,687$0$723,249,720