Can I retire at age 35 with 1,770,000?

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 $1,770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$146,165$144,863$143,593$142,353$141,142$138,747
2 years$72,359$71,011$69,705$68,439$67,211$64,805
3 years$47,760$46,407$45,104$43,849$42,641$40,300
4 years$35,463$34,114$32,824$31,591$30,412$28,153
5 years$28,087$26,746$25,473$24,265$23,119$20,949
6 years$23,171$21,840$20,586$19,405$18,293$16,214
7 years$19,661$18,341$17,107$15,954$14,877$12,890
8 years$17,030$15,722$14,508$13,383$12,342$10,447
9 years$14,984$13,689$12,496$11,400$10,394$8,589
10 years$13,349$12,066$10,894$9,827$8,856$7,140
11 years$12,012$10,741$9,591$8,552$7,616$5,988
12 years$10,898$9,641$8,512$7,501$6,600$5,057
13 years$9,957$8,713$7,605$6,623$5,756$4,295
14 years$9,150$7,920$6,833$5,879$5,045$3,664
15 years$8,452$7,235$6,169$5,243$4,442$3,139
16 years$7,842$6,638$5,593$4,694$3,926$2,698
17 years$7,304$6,113$5,090$4,218$3,481$2,325
18 years$6,826$5,649$4,646$3,801$3,095$2,008
19 years$6,399$5,235$4,253$3,435$2,759$1,738
20 years$6,016$4,865$3,904$3,111$2,464$1,506
21 years$5,669$4,531$3,590$2,823$2,205$1,308
22 years$5,354$4,230$3,309$2,567$1,977$1,137
23 years$5,067$3,956$3,055$2,338$1,774$989
24 years$4,805$3,707$2,826$2,132$1,595$862
25 years$4,563$3,478$2,617$1,947$1,435$751
26 years$4,341$3,269$2,427$1,780$1,293$655
27 years$4,135$3,077$2,254$1,630$1,166$572
28 years$3,945$2,899$2,095$1,493$1,052$499
29 years$3,768$2,735$1,950$1,369$950$436
30 years$3,603$2,583$1,816$1,257$858$381
31 years$3,449$2,442$1,693$1,154$776$333
32 years$3,305$2,310$1,580$1,061$702$292
33 years$3,170$2,188$1,475$975$635$255
34 years$3,043$2,074$1,378$897$575$223
35 years$2,924$1,967$1,289$826$521$195
36 years$2,811$1,867$1,205$761$472$171
37 years$2,705$1,773$1,128$701$428$150
38 years$2,605$1,685$1,057$646$388$131
39 years$2,510$1,602$990$596$352$115
40 years$2,420$1,524$928$550$319$101
41 years$2,335$1,451$870$507$289$88
42 years$2,253$1,382$816$468$263$77
43 years$2,176$1,317$766$432$238$68
44 years$2,103$1,255$719$399$216$59
45 years$2,033$1,197$675$368$196$52
46 years$1,966$1,142$634$340$178$45
47 years$1,903$1,090$596$314$162$40
48 years$1,842$1,040$560$290$147$35
49 years$1,784$993$526$268$134$31
50 years$1,728$949$495$248$121$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,770,000, adding $4,906 every year, while hoping to spend $31,903 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: 53/28/19 Blend
34$1,770,000$1,770,000$1,770,000$1,770,000
35$1,955,601$1,861,791$1,834,356$2,048,861
36$2,121,127$1,919,074$1,861,862$2,170,657
37$2,302,468$1,978,095$1,889,220$2,299,359
38$2,501,203$2,038,904$1,916,393$2,438,710
39$2,719,072$2,101,556$1,943,337$2,589,736
40$2,957,989$2,166,105$1,970,011$2,753,562
41$3,220,066$2,232,605$1,996,368$2,931,428
42$3,507,625$2,301,116$2,022,360$3,124,700
43$3,823,228$2,371,696$2,047,934$3,334,879
44$4,169,694$2,444,405$2,073,036$3,563,620
45$4,550,129$2,519,307$2,097,609$3,812,743
46$4,967,955$2,596,466$2,121,591$4,084,256
47$5,426,941$2,675,948$2,144,919$4,380,366
48$5,931,239$2,757,820$2,167,525$4,703,504
49$6,485,425$2,842,152$2,189,336$5,056,350
50$7,094,538$2,929,017$2,210,278$5,441,853
51$7,764,129$3,018,487$2,230,271$5,863,262
52$8,500,316$3,110,638$2,249,230$6,324,155
53$9,309,837$3,205,549$2,267,069$6,828,475
54$10,200,119$3,303,299$2,283,694$7,380,562
55$11,179,340$3,403,970$2,299,007$7,985,201
56$12,256,515$3,507,646$2,312,906$8,647,659
57$13,441,573$3,614,415$2,325,281$9,373,742
58$14,745,456$3,724,364$2,336,021$10,169,843
59$16,180,220$3,837,585$2,345,005$11,043,008
60$17,759,147$3,954,172$2,352,108$12,000,997
61$19,496,875$4,074,220$2,357,198$13,052,361
62$21,409,528$4,197,830$2,360,137$14,206,521
63$23,514,878$4,325,101$2,360,779$15,473,857
64$25,832,503$4,456,139$2,358,972$16,865,806
65$28,383,978$4,591,049$2,354,557$18,394,968
66$31,193,074$4,729,941$2,347,366$20,075,227
67$34,285,988$4,872,928$2,337,223$21,921,882
68$37,691,582$5,020,125$2,323,943$23,951,787
69$41,441,662$5,171,649$2,307,333$26,183,517
70$45,571,274$5,327,623$2,287,192$28,637,537
71$50,119,038$5,488,170$2,263,307$31,336,397
72$55,127,508$5,653,419$2,235,455$34,304,946
73$60,643,575$5,823,498$2,203,405$37,570,565
74$66,718,914$5,998,543$2,166,913$41,163,425
75$73,410,462$6,178,691$2,125,723$45,116,773
76$80,780,964$6,364,081$2,079,570$49,467,244
77$88,899,560$6,554,859$2,028,173$54,255,209
78$97,842,439$6,751,172$1,971,241$59,525,151
79$107,693,559$6,953,170$1,908,469$65,326,092
80$118,545,435$7,161,009$1,839,536$71,712,050
81$130,500,018$7,374,846$1,764,108$78,742,551
82$143,669,650$7,594,844$1,681,837$86,483,189
83$158,178,132$7,821,169$1,592,356$95,006,249
84$174,161,886$8,053,991$1,495,284$104,391,383
85$191,771,245$8,293,483$1,390,222$114,726,370
86$211,171,870$8,539,822$1,276,754$126,107,935
87$232,546,319$8,793,191$1,154,442$138,642,671
88$256,095,761$9,053,775$1,022,834$152,448,039
89$282,041,882$9,321,763$881,452$167,653,480
90$310,628,975$9,597,351$729,802$184,401,634
91$342,126,244$9,880,734$567,364$202,849,690
92$376,830,347$10,172,117$393,597$223,170,869
93$415,068,197$10,471,705$207,937$245,556,055
94$457,200,044$10,779,709$9,793$270,215,604
95$503,622,878$11,096,345$0$297,381,326
96$554,774,176$11,421,831$0$327,349,553
97$611,136,033$11,756,391$0$360,365,686
98$673,239,709$12,100,254$0$396,738,091
99$741,670,644$12,453,652$0$436,808,770
100$817,073,991$12,816,822$0$480,954,597