Can I retire at age 35 with 1,760,000?

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 $1,760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$145,339$144,045$142,781$141,549$140,345$135,635
2 years$71,950$70,610$69,311$68,052$66,831$62,133
3 years$47,490$46,144$44,849$43,602$42,400$37,861
4 years$35,263$33,921$32,639$31,413$30,240$25,894
5 years$27,928$26,595$25,329$24,128$22,988$18,847
6 years$23,040$21,716$20,470$19,295$18,190$14,257
7 years$19,550$18,237$17,010$15,864$14,793$11,068
8 years$16,933$15,633$14,426$13,308$12,272$8,752
9 years$14,900$13,611$12,425$11,335$10,335$7,016
10 years$13,273$11,998$10,833$9,771$8,806$5,682
11 years$11,944$10,681$9,537$8,504$7,573$4,639
12 years$10,836$9,586$8,464$7,459$6,563$3,811
13 years$9,900$8,663$7,562$6,585$5,723$3,147
14 years$9,099$7,875$6,794$5,846$5,017$2,609
15 years$8,404$7,194$6,134$5,213$4,417$2,170
16 years$7,797$6,600$5,562$4,668$3,904$1,810
17 years$7,263$6,078$5,061$4,194$3,461$1,513
18 years$6,788$5,617$4,620$3,780$3,078$1,267
19 years$6,363$5,206$4,229$3,415$2,743$1,062
20 years$5,982$4,837$3,881$3,093$2,450$892
21 years$5,637$4,506$3,570$2,807$2,193$750
22 years$5,324$4,206$3,290$2,552$1,966$631
23 years$5,039$3,934$3,038$2,325$1,764$531
24 years$4,777$3,686$2,810$2,120$1,586$448
25 years$4,538$3,459$2,602$1,936$1,427$377
26 years$4,316$3,251$2,414$1,770$1,285$318
27 years$4,112$3,059$2,241$1,620$1,159$268
28 years$3,923$2,883$2,084$1,485$1,046$227
29 years$3,747$2,720$1,939$1,361$944$191
30 years$3,583$2,568$1,806$1,250$853$161
31 years$3,429$2,428$1,684$1,148$771$136
32 years$3,286$2,297$1,571$1,055$698$115
33 years$3,152$2,176$1,467$970$631$97
34 years$3,026$2,062$1,370$892$572$82
35 years$2,907$1,956$1,281$821$518$69
36 years$2,795$1,856$1,199$757$469$59
37 years$2,690$1,763$1,122$697$425$50
38 years$2,590$1,676$1,051$642$386$42
39 years$2,496$1,593$984$592$350$35
40 years$2,406$1,516$923$546$317$30
41 years$2,321$1,443$865$504$288$25
42 years$2,241$1,374$811$465$261$21
43 years$2,164$1,309$761$429$237$18
44 years$2,091$1,248$715$397$215$15
45 years$2,022$1,190$671$366$195$13
46 years$1,955$1,135$630$338$177$11
47 years$1,892$1,083$592$313$161$9
48 years$1,832$1,034$557$289$146$8
49 years$1,774$988$523$267$133$7
50 years$1,718$944$492$247$121$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,760,000, adding $2,840 every year, while hoping to spend $42,889 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: 49/36/15 Blend
34$1,760,000$1,760,000$1,760,000$1,760,000
35$1,942,449$1,849,169$1,821,889$2,029,430
36$2,094,946$1,894,145$1,837,289$2,134,675
37$2,261,559$1,939,887$1,851,767$2,244,265
38$2,443,684$1,986,388$1,865,248$2,362,368
39$2,642,857$2,033,638$1,877,650$2,489,794
40$2,860,768$2,081,625$1,888,891$2,627,441
41$3,099,278$2,130,337$1,898,881$2,776,294
42$3,360,437$2,179,757$1,907,526$2,937,440
43$3,646,504$2,229,866$1,914,730$3,112,076
44$3,959,963$2,280,646$1,920,390$3,301,521
45$4,303,553$2,332,071$1,924,396$3,507,228
46$4,680,289$2,384,116$1,926,637$3,730,797
47$5,093,491$2,436,751$1,926,992$3,973,993
48$5,546,819$2,489,943$1,925,338$4,238,758
49$6,044,300$2,543,656$1,921,542$4,527,236
50$6,590,373$2,597,849$1,915,469$4,841,784
51$7,189,926$2,652,479$1,906,972$5,185,006
52$7,848,345$2,707,497$1,895,902$5,559,766
53$8,571,562$2,762,850$1,882,100$5,969,224
54$9,366,111$2,818,480$1,865,401$6,416,861
55$10,239,193$2,874,323$1,845,630$6,906,513
56$11,198,737$2,930,311$1,822,605$7,442,410
57$12,253,482$2,986,370$1,796,136$8,029,212
58$13,413,054$3,042,419$1,766,023$8,672,056
59$14,688,058$3,098,371$1,732,058$9,376,604
60$16,090,179$3,154,130$1,694,021$10,149,094
61$17,632,291$3,209,596$1,651,684$10,996,407
62$19,328,577$3,264,658$1,604,807$11,926,120
63$21,194,664$3,319,199$1,553,141$12,946,591
64$23,247,771$3,373,091$1,496,423$14,067,029
65$25,506,870$3,426,199$1,434,379$15,297,583
66$27,992,863$3,478,375$1,366,723$16,649,442
67$30,728,783$3,529,463$1,293,156$18,134,937
68$33,740,007$3,579,295$1,213,365$19,767,659
69$37,054,498$3,627,690$1,127,023$21,562,591
70$40,703,067$3,674,457$1,033,788$23,536,243
71$44,719,663$3,719,389$933,304$25,706,815
72$49,141,696$3,762,267$825,197$28,094,367
73$54,010,387$3,802,856$709,079$30,721,008
74$59,371,155$3,840,904$584,542$33,611,107
75$65,274,051$3,876,146$451,161$36,791,523
76$71,774,223$3,908,297$308,495$40,291,861
77$78,932,443$3,937,053$156,078$44,144,748
78$86,815,675$3,962,091$0$48,386,149
79$95,497,708$3,983,068$0$53,056,753
80$105,059,854$3,999,618$0$58,225,921
81$115,591,713$4,011,353$0$63,916,882
82$127,192,017$4,017,858$0$70,182,793
83$139,969,566$4,018,696$0$77,082,237
84$154,044,249$4,013,400$0$84,679,776
85$169,548,181$4,001,475$0$93,046,560
86$186,626,943$3,982,395$0$102,261,004
87$205,440,961$3,955,602$0$112,409,521
88$226,167,019$3,920,506$0$123,587,348
89$248,999,923$3,876,480$0$135,899,440
90$274,154,346$3,822,858$0$149,461,463
91$301,866,847$3,758,936$0$164,400,888
92$332,398,110$3,683,968$0$180,858,196
93$366,035,397$3,597,163$0$198,988,205
94$403,095,268$3,497,684$0$218,961,533
95$443,926,559$3,384,644$0$240,966,210
96$488,913,683$3,257,107$0$265,209,455
97$538,480,252$3,114,078$0$291,919,636
98$593,093,078$2,954,508$0$321,348,425
99$653,266,579$2,777,286$0$353,773,176
100$719,567,635$2,581,238$0$389,499,549