Can I retire at age 35 with 1,800,000?

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 $1,800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$148,642$147,318$146,027$144,766$143,535$142,750
2 years$73,585$72,215$70,887$69,599$68,350$67,558
3 years$48,570$47,193$45,868$44,593$43,364$42,589
4 years$36,064$34,692$33,380$32,127$30,928$30,176
5 years$28,563$27,199$25,905$24,676$23,511$22,785
6 years$23,564$22,210$20,935$19,734$18,603$17,904
7 years$19,994$18,652$17,397$16,224$15,129$14,457
8 years$17,318$15,988$14,754$13,610$12,551$11,906
9 years$15,238$13,921$12,708$11,593$10,570$9,951
10 years$13,575$12,270$11,079$9,993$9,006$8,414
11 years$12,215$10,924$9,754$8,697$7,746$7,180
12 years$11,083$9,804$8,656$7,628$6,712$6,172
13 years$10,125$8,860$7,734$6,735$5,853$5,338
14 years$9,305$8,054$6,949$5,978$5,131$4,640
15 years$8,595$7,357$6,274$5,332$4,518$4,051
16 years$7,975$6,750$5,688$4,774$3,993$3,549
17 years$7,428$6,217$5,176$4,289$3,540$3,119
18 years$6,942$5,744$4,725$3,866$3,148$2,748
19 years$6,508$5,324$4,325$3,493$2,806$2,427
20 years$6,118$4,947$3,970$3,163$2,506$2,148
21 years$5,765$4,608$3,651$2,871$2,243$1,904
22 years$5,445$4,302$3,365$2,610$2,010$1,691
23 years$5,153$4,023$3,107$2,377$1,804$1,503
24 years$4,886$3,769$2,874$2,168$1,622$1,338
25 years$4,641$3,537$2,662$1,980$1,459$1,192
26 years$4,415$3,325$2,468$1,811$1,315$1,063
27 years$4,206$3,129$2,292$1,657$1,185$949
28 years$4,012$2,948$2,131$1,518$1,069$847
29 years$3,832$2,781$1,983$1,392$966$757
30 years$3,664$2,627$1,847$1,278$873$677
31 years$3,507$2,483$1,722$1,174$789$606
32 years$3,361$2,350$1,607$1,079$714$542
33 years$3,224$2,225$1,500$992$646$486
34 years$3,095$2,109$1,402$913$585$435
35 years$2,973$2,000$1,310$840$530$390
36 years$2,859$1,898$1,226$774$480$349
37 years$2,751$1,803$1,147$713$435$313
38 years$2,649$1,714$1,074$657$394$281
39 years$2,552$1,629$1,007$606$358$252
40 years$2,461$1,550$944$559$324$226
41 years$2,374$1,476$885$516$294$203
42 years$2,292$1,405$830$476$267$182
43 years$2,213$1,339$779$439$242$163
44 years$2,139$1,276$731$406$220$146
45 years$2,068$1,217$686$375$200$131
46 years$2,000$1,161$645$346$181$118
47 years$1,935$1,108$606$320$165$106
48 years$1,873$1,058$569$295$149$95
49 years$1,814$1,010$535$273$136$85
50 years$1,757$965$503$252$123$77

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,800,000, adding $2,126 every year, while hoping to spend $58,613 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: 54/16/30 Blend
34$1,800,000$1,800,000$1,800,000$1,800,000
35$1,985,793$1,890,393$1,862,493$2,076,295
36$2,125,980$1,920,658$1,862,523$2,169,517
37$2,278,502$1,950,442$1,860,589$2,264,823
38$2,444,554$1,979,660$1,856,564$2,367,441
39$2,625,454$2,008,218$1,850,314$2,478,099
40$2,822,650$2,036,020$1,841,699$2,597,599
41$3,037,735$2,062,960$1,830,571$2,726,825
42$3,272,466$2,088,927$1,816,777$2,866,757
43$3,528,772$2,113,799$1,800,154$3,018,474
44$3,808,781$2,137,450$1,780,533$3,183,166
45$4,114,834$2,159,742$1,757,738$3,362,149
46$4,449,507$2,180,529$1,731,582$3,556,875
47$4,815,637$2,199,655$1,701,871$3,768,945
48$5,216,350$2,216,956$1,668,401$4,000,130
49$5,655,085$2,232,255$1,630,960$4,252,380
50$6,135,632$2,245,363$1,589,325$4,527,849
51$6,662,161$2,256,081$1,543,263$4,828,914
52$7,239,269$2,264,196$1,492,529$5,158,200
53$7,872,014$2,269,482$1,436,869$5,518,599
54$8,565,972$2,271,698$1,376,016$5,913,307
55$9,327,280$2,270,590$1,309,691$6,345,847
56$10,162,700$2,265,887$1,237,604$6,820,107
57$11,079,680$2,257,300$1,159,448$7,340,376
58$12,086,424$2,244,525$1,074,907$7,911,389
59$13,191,970$2,227,237$983,646$8,538,363
60$14,406,272$2,205,093$885,320$9,227,060
61$15,740,298$2,177,728$779,564$9,983,832
62$17,206,129$2,144,758$666,000$10,815,685
63$18,817,075$2,105,771$544,232$11,730,350
64$20,587,799$2,060,336$413,846$12,736,352
65$22,534,455$2,007,994$274,410$13,843,092
66$24,674,841$1,948,257$125,475$15,060,942
67$27,028,566$1,880,612$0$16,401,338
68$29,617,232$1,804,515$0$17,887,604
69$32,464,643$1,719,390$0$19,566,498
70$35,597,023$1,624,626$0$21,413,313
71$39,043,267$1,519,580$0$23,445,136
72$42,835,211$1,403,570$0$25,680,796
73$47,007,933$1,275,876$0$28,141,045
74$51,600,085$1,135,736$0$30,848,754
75$56,654,252$982,346$0$33,829,129
76$62,217,359$814,854$0$37,109,951
77$68,341,111$632,364$0$40,721,833
78$75,082,480$433,925$0$44,698,520
79$82,504,241$218,536$0$49,077,198
80$90,675,568$0$0$53,898,850
81$99,672,680$0$0$59,211,261
82$109,579,566$0$0$65,103,440
83$120,488,774$0$0$71,591,978
84$132,502,281$0$0$78,737,559
85$145,732,462$0$0$86,607,050
86$160,303,141$0$0$95,274,134
87$176,350,768$0$0$104,820,005
88$194,025,699$0$0$115,334,135
89$213,493,618$0$0$126,915,114
90$234,937,100$0$0$139,671,585
91$258,557,331$0$0$153,723,267
92$284,576,011$0$0$169,202,083
93$313,237,440$0$0$186,253,409
94$344,810,827$0$0$205,037,440
95$379,592,829$0$0$225,730,707
96$417,910,351$0$0$248,527,740
97$460,123,630$0$0$273,642,905
98$506,629,637$0$0$301,312,424
99$557,865,818$0$0$331,796,609
100$614,314,228$0$0$365,382,316