Can I retire at age 35 with 1,830,000?

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 $1,830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$151,120$149,774$148,460$147,178$145,927$142,168
2 years$74,812$73,418$72,068$70,759$69,489$65,727
3 years$49,379$47,980$46,633$45,336$44,087$40,440
4 years$36,665$35,270$33,937$32,662$31,443$27,939
5 years$29,039$27,652$26,336$25,088$23,902$20,550
6 years$23,956$22,580$21,284$20,063$18,913$15,717
7 years$20,327$18,963$17,687$16,495$15,381$12,341
8 years$17,607$16,255$15,000$13,837$12,760$9,874
9 years$15,492$14,153$12,919$11,786$10,746$8,012
10 years$13,801$12,475$11,263$10,160$9,156$6,571
11 years$12,419$11,106$9,916$8,842$7,875$5,434
12 years$11,267$9,968$8,800$7,756$6,824$4,524
13 years$10,294$9,008$7,862$6,847$5,951$3,786
14 years$9,460$8,188$7,064$6,078$5,216$3,182
15 years$8,739$7,480$6,378$5,421$4,593$2,685
16 years$8,108$6,863$5,783$4,853$4,059$2,272
17 years$7,551$6,320$5,262$4,361$3,599$1,927
18 years$7,058$5,840$4,804$3,930$3,200$1,638
19 years$6,616$5,413$4,398$3,551$2,852$1,394
20 years$6,220$5,030$4,036$3,216$2,548$1,189
21 years$5,861$4,685$3,712$2,919$2,280$1,015
22 years$5,536$4,373$3,421$2,654$2,044$867
23 years$5,239$4,090$3,159$2,417$1,835$742
24 years$4,967$3,832$2,922$2,204$1,649$635
25 years$4,718$3,596$2,706$2,013$1,484$544
26 years$4,488$3,380$2,510$1,841$1,337$466
27 years$4,276$3,181$2,330$1,685$1,205$400
28 years$4,079$2,997$2,166$1,544$1,087$343
29 years$3,896$2,828$2,016$1,416$982$294
30 years$3,725$2,670$1,878$1,299$887$253
31 years$3,566$2,524$1,751$1,193$802$217
32 years$3,417$2,389$1,633$1,097$726$186
33 years$3,277$2,262$1,525$1,008$657$160
34 years$3,146$2,144$1,425$928$594$137
35 years$3,023$2,034$1,332$854$538$118
36 years$2,906$1,930$1,246$787$488$101
37 years$2,797$1,833$1,167$725$442$87
38 years$2,693$1,742$1,092$668$401$75
39 years$2,595$1,657$1,023$616$364$64
40 years$2,502$1,576$959$568$330$55
41 years$2,414$1,500$899$524$299$48
42 years$2,330$1,429$844$484$271$41
43 years$2,250$1,361$792$447$246$35
44 years$2,174$1,298$743$412$224$30
45 years$2,102$1,237$698$381$203$26
46 years$2,033$1,181$655$352$184$22
47 years$1,967$1,127$616$325$167$19
48 years$1,904$1,075$579$300$152$16
49 years$1,844$1,027$544$278$138$14
50 years$1,787$981$511$257$125$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,830,000, adding $4,684 every year, while hoping to spend $30,662 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: 63/16/21 Blend
34$1,830,000$1,830,000$1,830,000$1,830,000
35$2,021,492$1,924,502$1,896,137$2,137,595
36$2,195,060$1,986,178$1,927,033$2,278,117
37$2,385,304$2,049,849$1,957,937$2,427,672
38$2,593,893$2,115,580$1,988,816$2,590,305
39$2,822,665$2,183,438$2,019,636$2,767,297
40$3,073,644$2,253,493$2,050,361$2,960,057
41$3,349,059$2,325,818$2,080,951$3,170,137
42$3,651,366$2,400,486$2,111,367$3,399,245
43$3,983,271$2,477,576$2,141,563$3,649,264
44$4,347,754$2,557,166$2,171,494$3,922,265
45$4,748,096$2,639,339$2,201,111$4,220,531
46$5,187,915$2,724,179$2,230,361$4,546,575
47$5,671,194$2,811,776$2,259,190$4,903,167
48$6,202,323$2,902,220$2,287,539$5,293,355
49$6,786,135$2,995,604$2,315,347$5,720,499
50$7,427,958$3,092,026$2,342,549$6,188,300
51$8,133,661$3,191,586$2,369,075$6,700,834
52$8,909,709$3,294,388$2,394,854$7,262,592
53$9,763,225$3,400,540$2,419,808$7,878,521
54$10,702,060$3,510,152$2,443,857$8,554,070
55$11,734,860$3,623,339$2,466,916$9,295,246
56$12,871,152$3,740,219$2,488,895$10,108,663
57$14,121,436$3,860,916$2,509,699$11,001,609
58$15,497,278$3,985,556$2,529,229$11,982,115
59$17,011,422$4,114,271$2,547,380$13,059,028
60$18,677,912$4,247,194$2,564,042$14,242,098
61$20,512,220$4,384,468$2,579,099$15,542,064
62$22,531,397$4,526,237$2,592,429$16,970,761
63$24,754,227$4,672,651$2,603,903$18,541,230
64$27,201,413$4,823,865$2,613,388$20,267,839
65$29,895,762$4,980,040$2,620,742$22,166,420
66$32,862,409$5,141,341$2,625,816$24,254,418
67$36,129,047$5,307,940$2,628,454$26,551,056
68$39,726,196$5,480,014$2,628,492$29,077,514
69$43,687,481$5,657,748$2,625,760$31,857,133
70$48,049,957$5,841,331$2,620,076$34,915,631
71$52,854,456$6,030,960$2,611,252$38,281,348
72$58,145,971$6,226,837$2,599,089$41,985,513
73$63,974,082$6,429,174$2,583,381$46,062,536
74$70,393,423$6,638,188$2,563,908$50,550,339
75$77,464,197$6,854,104$2,540,444$55,490,705
76$85,252,745$7,077,155$2,512,749$60,929,682
77$93,832,172$7,307,583$2,480,574$66,918,007
78$103,283,036$7,545,636$2,443,655$73,511,596
79$113,694,107$7,791,574$2,401,718$80,772,062
80$125,163,207$8,045,663$2,354,478$88,767,302
81$137,798,133$8,308,180$2,301,632$97,572,135
82$151,717,673$8,579,410$2,242,867$107,269,013
83$167,052,726$8,859,651$2,177,853$117,948,790
84$183,947,539$9,149,210$2,106,246$129,711,591
85$202,561,070$9,448,403$2,027,687$142,667,748
86$223,068,483$9,757,559$1,941,799$156,938,844
87$245,662,808$10,077,018$1,848,188$172,658,865
88$270,556,755$10,407,133$1,746,444$189,975,457
89$297,984,730$10,748,269$1,636,136$209,051,326
90$328,205,041$11,100,803$1,516,815$230,065,773
91$361,502,339$11,465,125$1,388,011$253,216,381
92$398,190,303$11,841,642$1,249,235$278,720,890
93$438,614,603$12,230,771$1,099,974$306,819,243
94$483,156,162$12,632,948$939,692$337,775,857
95$532,234,750$13,048,623$767,831$371,882,116
96$586,312,949$13,478,259$583,808$409,459,124
97$645,900,517$13,922,342$387,013$450,860,735
98$711,559,202$14,381,369$176,810$496,476,895
99$783,908,043$14,855,858$0$546,737,320
100$863,629,215$15,346,346$0$602,126,205