Can I retire at age 35 with 1,810,000?

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 $1,810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$149,468$148,137$146,838$145,570$144,332$141,245
2 years$73,994$72,616$71,280$69,986$68,729$65,634
3 years$48,839$47,455$46,123$44,840$43,605$40,598
4 years$36,265$34,885$33,566$32,305$31,099$28,204
5 years$28,722$27,350$26,048$24,813$23,641$20,866
6 years$23,695$22,333$21,051$19,843$18,706$16,054
7 years$20,105$18,756$17,494$16,314$15,213$12,684
8 years$17,414$16,077$14,836$13,686$12,621$10,214
9 years$15,323$13,998$12,778$11,657$10,629$8,343
10 years$13,650$12,338$11,140$10,049$9,056$6,889
11 years$12,283$10,984$9,808$8,745$7,789$5,737
12 years$11,144$9,859$8,704$7,671$6,749$4,811
13 years$10,182$8,909$7,777$6,772$5,886$4,056
14 years$9,357$8,098$6,987$6,012$5,159$3,435
15 years$8,643$7,398$6,309$5,361$4,543$2,920
16 years$8,019$6,788$5,720$4,800$4,015$2,490
17 years$7,469$6,251$5,205$4,313$3,560$2,129
18 years$6,980$5,776$4,751$3,887$3,165$1,824
19 years$6,544$5,353$4,349$3,512$2,821$1,566
20 years$6,152$4,975$3,992$3,181$2,520$1,346
21 years$5,797$4,634$3,672$2,887$2,255$1,159
22 years$5,475$4,325$3,384$2,625$2,021$999
23 years$5,182$4,045$3,124$2,391$1,815$862
24 years$4,913$3,790$2,890$2,180$1,631$744
25 years$4,666$3,557$2,676$1,991$1,468$643
26 years$4,439$3,343$2,482$1,821$1,322$556
27 years$4,229$3,146$2,305$1,666$1,192$481
28 years$4,034$2,965$2,143$1,527$1,075$416
29 years$3,853$2,797$1,994$1,400$971$361
30 years$3,684$2,641$1,857$1,285$877$312
31 years$3,527$2,497$1,732$1,180$793$271
32 years$3,380$2,363$1,616$1,085$718$234
33 years$3,241$2,237$1,508$997$649$203
34 years$3,112$2,121$1,409$918$588$176
35 years$2,990$2,011$1,318$845$533$153
36 years$2,875$1,909$1,233$778$483$132
37 years$2,766$1,813$1,154$717$437$115
38 years$2,664$1,723$1,080$661$396$100
39 years$2,567$1,639$1,012$609$360$86
40 years$2,475$1,559$949$562$326$75
41 years$2,387$1,484$890$518$296$65
42 years$2,304$1,413$835$478$268$56
43 years$2,226$1,347$783$442$244$49
44 years$2,151$1,284$735$408$221$43
45 years$2,079$1,224$690$377$201$37
46 years$2,011$1,168$648$348$182$32
47 years$1,946$1,114$609$321$166$28
48 years$1,884$1,064$572$297$150$24
49 years$1,824$1,016$538$274$137$21
50 years$1,767$970$506$254$124$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,810,000, adding $5,388 every year, while hoping to spend $36,966 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: 72/9/19 Blend
34$1,810,000$1,810,000$1,810,000$1,810,000
35$2,000,178$1,904,248$1,876,193$2,134,752
36$2,164,864$1,958,224$1,899,714$2,278,915
37$2,345,110$2,013,607$1,922,784$2,431,793
38$2,542,463$2,070,425$1,945,348$2,598,283
39$2,758,627$2,128,709$1,967,351$2,779,731
40$2,995,481$2,188,490$1,988,731$2,977,617
41$3,255,091$2,249,797$2,009,424$3,193,571
42$3,539,734$2,312,661$2,029,364$3,429,391
43$3,851,919$2,377,113$2,048,480$3,687,055
44$4,194,407$2,443,184$2,066,696$3,968,744
45$4,570,242$2,510,905$2,083,935$4,276,858
46$4,982,773$2,580,306$2,100,114$4,614,044
47$5,435,694$2,651,419$2,115,145$4,983,217
48$5,933,069$2,724,273$2,128,937$5,387,587
49$6,479,379$2,798,899$2,141,394$5,830,695
50$7,079,559$2,875,328$2,152,414$6,316,437
51$7,739,044$2,953,590$2,161,890$6,849,110
52$8,463,825$3,033,713$2,169,711$7,433,446
53$9,260,497$3,115,728$2,175,759$8,074,660
54$10,136,332$3,199,662$2,179,910$8,778,498
55$11,099,336$3,285,544$2,182,036$9,551,292
56$12,158,333$3,373,401$2,181,999$10,400,018
57$13,323,044$3,463,259$2,179,657$11,332,364
58$14,604,179$3,555,143$2,174,860$12,356,801
59$16,013,539$3,649,079$2,167,452$13,482,664
60$17,564,126$3,745,089$2,157,267$14,720,238
61$19,270,264$3,843,196$2,144,132$16,080,859
62$21,147,738$3,943,419$2,127,868$17,577,017
63$23,213,939$4,045,779$2,108,284$19,222,476
64$25,488,031$4,150,292$2,085,181$21,032,402
65$27,991,127$4,256,974$2,058,352$23,023,511
66$30,746,494$4,365,837$2,027,579$25,214,221
67$33,779,767$4,476,894$1,992,633$27,624,828
68$37,119,193$4,590,151$1,953,276$30,277,700
69$40,795,898$4,705,616$1,909,258$33,197,484
70$44,844,180$4,823,291$1,860,318$36,411,342
71$49,301,830$4,943,176$1,806,182$39,949,207
72$54,210,491$5,065,267$1,746,564$43,844,064
73$59,616,052$5,189,556$1,681,165$48,132,264
74$65,569,078$5,316,032$1,609,672$52,853,863
75$72,125,286$5,444,679$1,531,758$58,053,005
76$79,346,074$5,575,478$1,447,081$63,778,338
77$87,299,098$5,708,401$1,355,284$70,083,470
78$96,058,913$5,843,420$1,255,992$77,027,480
79$105,707,671$5,980,496$1,148,817$84,675,470
80$116,335,901$6,119,588$1,033,350$93,099,186
81$128,043,361$6,260,645$909,165$102,377,693
82$140,939,979$6,403,612$775,817$112,598,120
83$155,146,892$6,548,425$632,843$123,856,485
84$170,797,589$6,695,011$479,756$136,258,600
85$188,039,166$6,843,290$316,052$149,921,072
86$207,033,722$6,993,172$141,200$164,972,405
87$227,959,880$7,144,556$0$181,554,208
88$251,014,482$7,297,333$0$199,831,744
89$276,414,437$7,451,381$0$219,998,931
90$304,398,778$7,606,566$0$242,216,758
91$335,230,908$7,762,743$0$266,694,206
92$369,201,094$7,919,751$0$293,661,569
93$406,629,203$8,077,416$0$323,372,624
94$447,867,721$8,235,549$0$356,107,029
95$493,305,082$8,393,945$0$392,172,964
96$543,369,332$8,552,379$0$431,910,034
97$598,532,170$8,710,612$0$475,692,482
98$659,313,401$8,868,382$0$523,932,715
99$726,285,843$9,025,407$0$577,085,204
100$800,080,732$9,181,385$0$635,650,765