Can I retire at age 35 with 1,750,000?

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 $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$144,513$143,226$141,970$140,744$139,547$133,958
2 years$71,541$70,209$68,918$67,666$66,451$60,890
3 years$47,220$45,882$44,594$43,354$42,159$36,802
4 years$35,062$33,728$32,453$31,234$30,068$24,955
5 years$27,769$26,443$25,185$23,991$22,858$18,001
6 years$22,909$21,593$20,353$19,186$18,086$13,490
7 years$19,439$18,134$16,914$15,774$14,709$10,372
8 years$16,837$15,544$14,344$13,232$12,203$8,119
9 years$14,815$13,534$12,355$11,271$10,276$6,441
10 years$13,198$11,929$10,771$9,716$8,756$5,160
11 years$11,876$10,620$9,483$8,455$7,530$4,167
12 years$10,775$9,532$8,416$7,417$6,526$3,384
13 years$9,844$8,614$7,519$6,548$5,691$2,762
14 years$9,047$7,830$6,756$5,812$4,988$2,263
15 years$8,357$7,153$6,099$5,184$4,392$1,860
16 years$7,753$6,563$5,530$4,641$3,882$1,532
17 years$7,221$6,044$5,032$4,170$3,442$1,265
18 years$6,749$5,585$4,594$3,758$3,060$1,046
19 years$6,327$5,176$4,205$3,396$2,728$866
20 years$5,948$4,810$3,859$3,076$2,436$718
21 years$5,605$4,480$3,550$2,791$2,180$595
22 years$5,294$4,182$3,272$2,538$1,954$494
23 years$5,010$3,911$3,021$2,311$1,754$411
24 years$4,750$3,665$2,794$2,108$1,577$341
25 years$4,512$3,439$2,588$1,925$1,419$284
26 years$4,292$3,232$2,400$1,760$1,278$236
27 years$4,089$3,042$2,229$1,611$1,152$196
28 years$3,900$2,866$2,072$1,476$1,040$164
29 years$3,725$2,704$1,928$1,354$939$136
30 years$3,562$2,554$1,796$1,242$848$113
31 years$3,410$2,414$1,674$1,141$767$94
32 years$3,268$2,284$1,562$1,049$694$79
33 years$3,134$2,163$1,458$964$628$65
34 years$3,009$2,050$1,363$887$568$55
35 years$2,891$1,945$1,274$817$515$45
36 years$2,779$1,846$1,192$752$467$38
37 years$2,674$1,753$1,116$693$423$32
38 years$2,575$1,666$1,045$639$383$26
39 years$2,481$1,584$979$589$348$22
40 years$2,393$1,507$917$543$315$18
41 years$2,308$1,435$860$501$286$15
42 years$2,228$1,366$807$463$260$13
43 years$2,152$1,302$757$427$236$11
44 years$2,079$1,241$711$394$214$9
45 years$2,010$1,183$667$364$194$7
46 years$1,944$1,129$627$336$176$6
47 years$1,881$1,077$589$311$160$5
48 years$1,821$1,028$553$287$145$4
49 years$1,764$982$520$265$132$4
50 years$1,709$938$489$245$120$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,750,000, adding $4,878 every year, while hoping to spend $56,142 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$1,750,000$1,750,000$1,750,000$1,750,000
35$1,933,532$1,840,782$1,813,657$2,085,554
36$2,071,017$1,871,245$1,814,680$2,216,474
37$2,220,645$1,901,320$1,813,855$2,352,310
38$2,383,593$1,930,928$1,811,062$2,499,764
39$2,561,160$1,959,984$1,806,173$2,659,971
40$2,754,774$1,988,399$1,799,056$2,834,185
41$2,966,007$2,016,075$1,789,569$3,023,783
42$3,196,588$2,042,911$1,777,568$3,230,284
43$3,448,422$2,068,796$1,762,898$3,455,361
44$3,723,604$2,093,611$1,745,399$3,700,857
45$4,024,444$2,117,230$1,724,903$3,968,803
46$4,353,482$2,139,519$1,701,232$4,261,434
47$4,713,517$2,160,334$1,674,202$4,581,215
48$5,107,628$2,179,523$1,643,620$4,930,861
49$5,539,208$2,196,922$1,609,284$5,313,363
50$6,011,993$2,212,357$1,570,981$5,732,018
51$6,530,098$2,225,644$1,528,490$6,190,456
52$7,098,054$2,236,586$1,481,580$6,692,680
53$7,720,850$2,244,974$1,430,008$7,243,098
54$8,403,983$2,250,584$1,373,520$7,846,570
55$9,153,508$2,253,181$1,311,851$8,508,450
56$9,976,092$2,252,513$1,244,724$9,234,636
57$10,879,081$2,248,314$1,171,850$10,031,631
58$11,870,566$2,240,300$1,092,925$10,906,599
59$12,959,459$2,228,170$1,007,634$11,867,434
60$14,155,580$2,211,607$915,646$12,922,836
61$15,469,744$2,190,270$816,615$14,082,393
62$16,913,867$2,163,803$710,181$15,356,671
63$18,501,076$2,131,824$595,966$16,757,312
64$20,245,833$2,093,931$473,579$18,297,148
65$22,164,072$2,049,697$342,607$19,990,319
66$24,273,345$1,998,670$202,623$21,852,407
67$26,592,994$1,940,372$53,178$23,900,586
68$29,144,325$1,874,296$0$26,153,782
69$31,950,815$1,799,906$0$28,646,460
70$35,038,332$1,716,634$0$31,396,147
71$38,435,373$1,623,881$0$34,421,420
72$42,173,342$1,521,012$0$37,750,263
73$46,286,837$1,407,355$0$41,413,509
74$50,813,980$1,282,202$0$45,445,136
75$55,796,777$1,144,801$0$49,882,584
76$61,281,512$994,360$0$54,767,107
77$67,319,185$830,042$0$60,144,168
78$73,965,989$650,961$0$66,063,860
79$81,283,845$456,183$0$72,581,388
80$89,340,982$244,721$0$79,757,579
81$98,212,582$15,532$0$87,659,467
82$107,981,488$0$0$96,360,918
83$118,738,985$0$0$105,961,238
84$130,585,665$0$0$116,534,953
85$143,632,367$0$0$128,179,805
86$158,001,233$0$0$141,004,818
87$173,826,851$0$0$155,130,129
88$191,257,532$0$0$170,688,120
89$210,456,702$0$0$187,824,671
90$231,604,452$0$0$206,700,529
91$254,899,228$0$0$227,492,834
92$280,559,712$0$0$250,396,783
93$308,826,880$0$0$275,627,475
94$339,966,276$0$0$303,421,939
95$374,270,521$0$0$334,041,373
96$412,062,070$0$0$367,773,607
97$453,696,261$0$0$404,935,819
98$499,564,660$0$0$445,877,530
99$550,098,765$0$0$490,983,900
100$605,774,071$0$0$540,679,366