Can I retire at age 35 with 1,780,000?

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 $1,780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$146,991$145,681$144,404$143,157$141,940$137,838
2 years$72,768$71,412$70,099$68,826$67,590$63,491
3 years$48,030$46,669$45,359$44,097$42,882$38,913
4 years$35,663$34,307$33,010$31,770$30,584$26,775
5 years$28,246$26,897$25,617$24,402$23,249$19,612
6 years$23,302$21,963$20,702$19,515$18,396$14,934
7 years$19,772$18,445$17,204$16,044$14,961$11,673
8 years$17,126$15,810$14,590$13,459$12,412$9,296
9 years$15,069$13,766$12,566$11,464$10,453$7,506
10 years$13,424$12,134$10,956$9,882$8,906$6,125
11 years$12,079$10,802$9,645$8,600$7,660$5,040
12 years$10,960$9,695$8,560$7,544$6,638$4,173
13 years$10,013$8,762$7,648$6,660$5,788$3,474
14 years$9,202$7,964$6,871$5,912$5,074$2,904
15 years$8,500$7,275$6,204$5,272$4,467$2,436
16 years$7,886$6,675$5,625$4,721$3,948$2,050
17 years$7,345$6,148$5,118$4,242$3,501$1,728
18 years$6,865$5,681$4,672$3,823$3,113$1,460
19 years$6,436$5,265$4,277$3,454$2,774$1,236
20 years$6,050$4,892$3,926$3,128$2,478$1,047
21 years$5,701$4,557$3,611$2,839$2,218$889
22 years$5,384$4,254$3,328$2,581$1,988$755
23 years$5,096$3,978$3,073$2,351$1,784$642
24 years$4,832$3,728$2,842$2,144$1,604$546
25 years$4,589$3,498$2,632$1,958$1,443$464
26 years$4,366$3,288$2,441$1,790$1,300$395
27 years$4,159$3,094$2,267$1,639$1,172$337
28 years$3,967$2,916$2,107$1,502$1,058$287
29 years$3,789$2,750$1,961$1,377$955$245
30 years$3,623$2,598$1,827$1,264$863$209
31 years$3,468$2,456$1,703$1,161$780$178
32 years$3,324$2,323$1,589$1,067$706$152
33 years$3,188$2,200$1,483$981$639$130
34 years$3,060$2,085$1,386$902$578$111
35 years$2,940$1,978$1,296$831$524$94
36 years$2,827$1,877$1,212$765$475$81
37 years$2,720$1,783$1,135$705$430$69
38 years$2,619$1,695$1,063$650$390$59
39 years$2,524$1,611$995$599$354$50
40 years$2,434$1,533$933$553$321$43
41 years$2,348$1,459$875$510$291$36
42 years$2,266$1,390$821$471$264$31
43 years$2,189$1,324$770$434$240$27
44 years$2,115$1,262$723$401$217$23
45 years$2,045$1,204$679$370$197$19
46 years$1,978$1,148$638$342$179$17
47 years$1,914$1,096$599$316$163$14
48 years$1,852$1,046$563$292$148$12
49 years$1,794$999$529$270$134$10
50 years$1,738$954$497$250$122$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,780,000, adding $2,619 every year, while hoping to spend $44,259 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: 44/36/20 Blend
34$1,780,000$1,780,000$1,780,000$1,780,000
35$1,964,261$1,869,921$1,842,331$2,039,211
36$2,117,525$1,914,456$1,856,958$2,136,814
37$2,284,938$1,959,690$1,870,592$2,237,992
38$2,467,897$2,005,610$1,883,152$2,346,748
39$2,667,939$2,052,202$1,894,555$2,463,806
40$2,886,758$2,099,449$1,904,711$2,589,961
41$3,126,217$2,147,332$1,913,529$2,726,091
42$3,388,369$2,195,829$1,920,909$2,873,163
43$3,675,473$2,244,915$1,926,751$3,032,242
44$3,990,019$2,294,563$1,930,944$3,204,503
45$4,334,748$2,344,744$1,933,378$3,391,240
46$4,712,677$2,395,422$1,933,931$3,593,879
47$5,127,133$2,446,560$1,932,481$3,813,992
48$5,581,777$2,498,118$1,928,895$4,053,313
49$6,080,643$2,550,050$1,923,038$4,313,753
50$6,628,173$2,602,307$1,914,764$4,597,417
51$7,229,260$2,654,834$1,903,922$4,906,627
52$7,889,297$2,707,573$1,890,356$5,243,941
53$8,614,221$2,760,460$1,873,899$5,612,181
54$9,410,575$2,813,425$1,854,377$6,014,457
55$10,285,563$2,866,393$1,831,609$6,454,198
56$11,247,127$2,919,282$1,805,404$6,935,183
57$12,304,012$2,972,005$1,775,563$7,461,578
58$13,465,854$3,024,466$1,741,877$8,037,978
59$14,743,269$3,076,563$1,704,128$8,669,445
60$16,147,953$3,128,185$1,662,087$9,361,562
61$17,692,793$3,179,215$1,615,515$10,120,485
62$19,391,985$3,229,523$1,564,162$10,952,996
63$21,261,172$3,278,975$1,507,766$11,866,575
64$23,317,589$3,327,423$1,446,054$12,869,468
65$25,580,226$3,374,709$1,378,740$13,970,764
66$28,070,006$3,420,666$1,305,524$15,180,482
67$30,809,982$3,465,114$1,226,095$16,509,669
68$33,825,556$3,507,861$1,140,124$17,970,502
69$37,144,716$3,548,699$1,047,272$19,576,403
70$40,798,303$3,587,412$947,182$21,342,170
71$44,820,298$3,623,762$839,480$23,284,116
72$49,248,143$3,657,502$723,778$25,420,220
73$54,123,099$3,688,365$599,670$27,770,304
74$59,490,627$3,716,067$466,731$30,356,217
75$65,400,823$3,740,306$324,518$33,202,044
76$71,908,886$3,760,760$172,569$36,334,335
77$79,075,643$3,777,088$10,401$39,782,353
78$86,968,119$3,788,926$0$43,578,356
79$95,660,170$3,795,886$0$47,792,615
80$105,233,182$3,797,559$0$52,434,234
81$115,776,834$3,793,507$0$57,544,312
82$127,389,950$3,783,268$0$63,170,589
83$140,181,426$3,766,349$0$69,365,682
84$154,271,260$3,742,228$0$76,187,575
85$169,791,684$3,710,353$0$83,700,177
86$186,888,411$3,670,135$0$91,973,918
87$205,722,010$3,620,953$0$101,086,419
88$226,469,422$3,562,147$0$111,123,225
89$249,325,629$3,493,018$0$122,178,614
90$274,505,493$3,412,826$0$134,356,488
91$302,245,786$3,320,787$0$147,771,355
92$332,807,422$3,216,071$0$162,549,413
93$366,477,921$3,097,800$0$178,829,742
94$403,574,121$2,965,045$0$196,765,619
95$444,445,170$2,816,821$0$216,525,966
96$489,475,820$2,652,088$0$238,296,947
97$539,090,060$2,469,746$0$262,283,729
98$593,755,115$2,268,633$0$288,712,420
99$653,985,859$2,047,518$0$317,832,206
100$720,349,671$1,805,102$0$349,917,707