Can I retire at age 35 with 1,820,000?

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 $1,820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$150,294$148,955$147,649$146,374$145,129$139,316
2 years$74,403$73,017$71,674$70,372$69,109$63,326
3 years$49,109$47,718$46,378$45,088$43,846$38,274
4 years$36,465$35,077$33,751$32,483$31,271$25,953
5 years$28,880$27,501$26,192$24,950$23,772$18,721
6 years$23,825$22,457$21,167$19,953$18,810$14,030
7 years$20,216$18,859$17,590$16,405$15,297$10,786
8 years$17,511$16,166$14,918$13,761$12,691$8,444
9 years$15,407$14,075$12,849$11,722$10,687$6,698
10 years$13,726$12,407$11,202$10,104$9,106$5,367
11 years$12,351$11,045$9,862$8,794$7,832$4,333
12 years$11,206$9,913$8,752$7,713$6,787$3,520
13 years$10,238$8,959$7,820$6,810$5,918$2,873
14 years$9,409$8,143$7,026$6,045$5,188$2,353
15 years$8,691$7,439$6,343$5,391$4,568$1,934
16 years$8,063$6,825$5,751$4,827$4,037$1,593
17 years$7,510$6,286$5,233$4,337$3,579$1,315
18 years$7,019$5,808$4,777$3,908$3,183$1,087
19 years$6,580$5,383$4,373$3,532$2,837$900
20 years$6,186$5,002$4,014$3,199$2,534$746
21 years$5,829$4,659$3,692$2,903$2,268$619
22 years$5,505$4,349$3,403$2,639$2,033$514
23 years$5,210$4,068$3,142$2,404$1,825$427
24 years$4,940$3,811$2,906$2,192$1,640$355
25 years$4,692$3,577$2,691$2,002$1,476$295
26 years$4,464$3,362$2,496$1,831$1,329$246
27 years$4,252$3,164$2,318$1,676$1,198$204
28 years$4,056$2,981$2,155$1,535$1,081$170
29 years$3,874$2,812$2,005$1,408$976$142
30 years$3,705$2,656$1,868$1,292$882$118
31 years$3,546$2,511$1,741$1,187$798$98
32 years$3,398$2,376$1,624$1,091$722$82
33 years$3,259$2,250$1,517$1,003$653$68
34 years$3,129$2,132$1,417$923$591$57
35 years$3,006$2,022$1,325$849$535$47
36 years$2,891$1,920$1,239$782$485$39
37 years$2,781$1,823$1,160$721$440$33
38 years$2,678$1,733$1,086$664$399$27
39 years$2,581$1,648$1,018$613$362$23
40 years$2,488$1,568$954$565$328$19
41 years$2,400$1,492$895$521$297$16
42 years$2,317$1,421$839$481$270$13
43 years$2,238$1,354$787$444$245$11
44 years$2,162$1,291$739$410$222$9
45 years$2,091$1,231$694$379$202$8
46 years$2,022$1,174$652$350$183$6
47 years$1,957$1,120$612$323$166$5
48 years$1,894$1,070$575$299$151$4
49 years$1,834$1,021$541$276$137$4
50 years$1,777$976$509$255$125$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,820,000, adding $2,977 every year, while hoping to spend $44,988 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: 36/39/25 Blend
34$1,820,000$1,820,000$1,820,000$1,820,000
35$2,008,711$1,912,251$1,884,041$2,065,809
36$2,165,732$1,958,084$1,899,289$2,154,063
37$2,337,262$2,004,656$1,913,541$2,244,945
38$2,524,733$2,051,954$1,926,714$2,342,172
39$2,729,722$2,099,965$1,938,725$2,446,343
40$2,953,964$2,148,674$1,949,483$2,558,118
41$3,199,372$2,198,063$1,958,895$2,678,223
42$3,468,052$2,248,112$1,966,861$2,807,460
43$3,762,320$2,298,796$1,973,278$2,946,712
44$4,084,730$2,350,091$1,978,036$3,096,954
45$4,438,094$2,401,966$1,981,022$3,259,258
46$4,825,507$2,454,391$1,982,114$3,434,810
47$5,250,381$2,507,328$1,981,186$3,624,916
48$5,716,471$2,560,738$1,978,107$3,831,014
49$6,227,914$2,614,577$1,972,737$4,054,693
50$6,789,268$2,668,798$1,964,931$4,297,704
51$7,405,553$2,723,349$1,954,535$4,561,977
52$8,082,297$2,778,171$1,941,390$4,849,641
53$8,825,593$2,833,203$1,925,328$5,163,045
54$9,642,151$2,888,377$1,906,174$5,504,777
55$10,539,362$2,943,619$1,883,743$5,877,692
56$11,525,371$2,998,851$1,857,842$6,284,940
57$12,609,149$3,053,984$1,828,270$6,729,991
58$13,800,580$3,108,928$1,794,815$7,216,675
59$15,110,555$3,163,580$1,757,257$7,749,215
60$16,551,069$3,217,834$1,715,363$8,332,265
61$18,135,342$3,271,572$1,668,891$8,970,959
62$19,877,937$3,324,669$1,617,589$9,670,959
63$21,794,900$3,376,991$1,561,191$10,438,506
64$23,903,909$3,428,392$1,499,421$11,280,485
65$26,224,444$3,478,720$1,431,987$12,204,485
66$28,777,967$3,527,807$1,358,589$13,218,874
67$31,588,126$3,575,476$1,278,908$14,332,880
68$34,680,978$3,621,537$1,192,615$15,556,678
69$38,085,233$3,665,788$1,099,362$16,901,484
70$41,832,526$3,708,011$998,790$18,379,668
71$45,957,715$3,747,975$890,521$20,004,867
72$50,499,209$3,785,432$774,160$21,792,114
73$55,499,330$3,820,120$649,296$23,757,987
74$61,004,713$3,851,757$515,499$25,920,761
75$67,066,745$3,880,045$372,320$28,300,584
76$73,742,051$3,904,665$219,290$30,919,669
77$81,093,024$3,925,277$55,920$33,802,504
78$89,188,419$3,941,523$0$36,976,086
79$98,103,998$3,953,017$0$40,501,768
80$107,923,244$3,959,353$0$44,398,740
81$118,738,151$3,960,097$0$48,688,388
82$130,650,090$3,954,790$0$53,410,740
83$143,770,768$3,942,944$0$58,609,910
84$158,223,278$3,924,040$0$64,334,518
85$174,143,262$3,897,527$0$70,638,150
86$191,680,193$3,862,824$0$77,579,866
87$210,998,782$3,819,312$0$85,224,755
88$232,280,534$3,766,334$0$93,644,554
89$255,725,461$3,703,197$0$102,918,326
90$281,553,968$3,629,164$0$113,133,209
91$310,008,935$3,543,455$0$124,385,236
92$341,358,007$3,445,245$0$136,780,250
93$375,896,121$3,333,660$0$150,434,897
94$413,948,291$3,207,774$0$165,477,738
95$455,872,671$3,066,610$0$182,050,457
96$502,063,940$2,909,130$0$200,309,206
97$552,957,024$2,734,240$0$220,426,079
98$609,031,204$2,540,781$0$242,590,739
99$670,814,635$2,327,528$0$267,012,216
100$738,889,338$2,093,186$0$293,920,875