Can I retire at age 35 with 1,840,000?

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 $1,840,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$151,945$150,592$149,272$147,983$146,724$143,762
2 years$75,221$73,820$72,462$71,146$69,869$66,897
3 years$49,649$48,242$46,888$45,584$44,328$41,439
4 years$36,866$35,463$34,122$32,840$31,615$28,832
5 years$29,198$27,803$26,480$25,225$24,033$21,364
6 years$24,087$22,704$21,400$20,172$19,017$16,464
7 years$20,438$19,066$17,783$16,585$15,466$13,031
8 years$17,703$16,343$15,082$13,913$12,830$10,512
9 years$15,577$14,230$12,990$11,850$10,805$8,601
10 years$13,877$12,543$11,325$10,215$9,206$7,115
11 years$12,487$11,166$9,970$8,890$7,918$5,937
12 years$11,329$10,022$8,848$7,798$6,861$4,988
13 years$10,350$9,057$7,905$6,884$5,983$4,214
14 years$9,512$8,233$7,103$6,111$5,245$3,576
15 years$8,786$7,521$6,413$5,450$4,618$3,046
16 years$8,152$6,900$5,814$4,880$4,081$2,603
17 years$7,593$6,355$5,291$4,385$3,619$2,231
18 years$7,096$5,872$4,830$3,951$3,218$1,915
19 years$6,652$5,442$4,422$3,570$2,868$1,648
20 years$6,254$5,057$4,058$3,234$2,562$1,420
21 years$5,893$4,711$3,732$2,935$2,292$1,225
22 years$5,566$4,397$3,440$2,668$2,055$1,059
23 years$5,268$4,113$3,176$2,430$1,845$915
24 years$4,995$3,853$2,938$2,216$1,658$792
25 years$4,744$3,616$2,721$2,024$1,492$686
26 years$4,513$3,398$2,523$1,851$1,344$595
27 years$4,299$3,198$2,343$1,694$1,212$516
28 years$4,101$3,014$2,178$1,552$1,093$448
29 years$3,917$2,843$2,027$1,423$987$388
30 years$3,745$2,685$1,888$1,306$892$337
31 years$3,585$2,538$1,760$1,200$806$293
32 years$3,436$2,402$1,642$1,103$729$255
33 years$3,295$2,274$1,533$1,014$660$221
34 years$3,163$2,156$1,433$933$598$192
35 years$3,039$2,045$1,340$859$541$167
36 years$2,922$1,941$1,253$791$491$145
37 years$2,812$1,843$1,173$729$445$126
38 years$2,708$1,752$1,098$672$403$110
39 years$2,609$1,666$1,029$619$365$96
40 years$2,516$1,585$965$571$332$83
41 years$2,427$1,509$904$527$301$72
42 years$2,343$1,437$848$486$273$63
43 years$2,262$1,369$796$449$248$55
44 years$2,186$1,305$747$415$225$48
45 years$2,114$1,244$702$383$204$41
46 years$2,044$1,187$659$354$185$36
47 years$1,978$1,133$619$327$168$31
48 years$1,915$1,081$582$302$153$27
49 years$1,854$1,033$547$279$139$24
50 years$1,796$986$514$258$126$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,840,000, adding $6,725 every year, while hoping to spend $31,121 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: 55/25/20 Blend
34$1,840,000$1,840,000$1,840,000$1,840,000
35$2,034,617$1,937,097$1,908,577$2,135,167
36$2,209,035$1,998,902$1,939,402$2,266,468
37$2,400,201$2,062,693$1,970,216$2,405,510
38$2,609,790$2,128,533$2,000,987$2,556,250
39$2,839,648$2,196,490$2,031,679$2,719,815
40$3,091,806$2,266,632$2,062,254$2,897,449
41$3,368,503$2,339,030$2,092,673$3,090,518
42$3,672,206$2,413,758$2,122,892$3,300,527
43$4,005,630$2,490,891$2,152,868$3,529,134
44$4,371,767$2,570,508$2,182,552$3,778,162
45$4,773,913$2,652,689$2,211,894$4,049,620
46$5,215,699$2,737,517$2,240,839$4,345,720
47$5,701,126$2,825,081$2,269,332$4,668,896
48$6,234,598$2,915,468$2,297,313$5,021,832
49$6,820,972$3,008,770$2,324,717$5,407,479
50$7,465,594$3,105,083$2,351,479$5,829,092
51$8,174,358$3,204,506$2,377,527$6,290,252
52$8,953,755$3,307,139$2,402,786$6,794,906
53$9,810,938$3,413,088$2,427,179$7,347,400
54$10,753,785$3,522,461$2,450,621$7,952,521
55$11,790,981$3,635,371$2,473,026$8,615,544
56$12,932,090$3,751,933$2,494,302$9,342,277
57$14,187,652$3,872,267$2,514,350$10,139,121
58$15,569,281$3,996,497$2,533,070$11,013,125
59$17,089,773$4,124,751$2,550,353$11,972,057
60$18,763,227$4,257,160$2,566,086$13,024,473
61$20,605,177$4,393,862$2,580,151$14,179,801
62$22,632,741$4,534,997$2,592,423$15,448,427
63$24,864,781$4,680,712$2,602,769$16,841,794
64$27,322,079$4,831,158$2,611,052$18,372,510
65$30,027,536$4,986,489$2,617,127$20,054,465
66$33,006,385$5,146,867$2,620,841$21,902,965
67$36,286,432$5,312,460$2,622,035$23,934,873
68$39,898,316$5,483,438$2,620,541$26,168,771
69$43,875,798$5,659,981$2,616,183$28,625,132
70$48,256,081$5,842,271$2,608,777$31,326,514
71$53,080,159$6,030,500$2,598,128$34,297,774
72$58,393,204$6,224,863$2,584,034$37,566,301
73$64,244,994$6,425,565$2,566,283$41,162,275
74$70,690,381$6,632,815$2,544,651$45,118,951
75$77,789,808$6,846,831$2,518,905$49,472,971
76$85,609,880$7,067,837$2,488,799$54,264,716
77$94,223,993$7,296,067$2,454,080$59,538,677
78$103,713,025$7,531,759$2,414,476$65,343,883
79$114,166,102$7,775,163$2,369,710$71,734,360
80$125,681,434$8,026,537$2,319,485$78,769,641
81$138,367,248$8,286,144$2,263,495$86,515,328
82$152,342,804$8,554,261$2,201,418$95,043,711
83$167,739,522$8,831,172$2,132,918$104,434,449
84$184,702,224$9,117,171$2,057,642$114,775,323
85$203,390,500$9,412,562$1,975,222$126,163,064
86$223,980,213$9,717,659$1,885,274$138,704,266
87$246,665,159$10,032,788$1,787,394$152,516,392
88$271,658,896$10,358,286$1,681,164$167,728,881
89$299,196,763$10,694,501$1,566,142$184,484,371
90$329,538,094$11,041,794$1,441,869$202,940,048
91$362,968,674$11,400,536$1,307,866$223,269,122
92$399,803,431$11,771,114$1,163,632$245,662,470
93$440,389,409$12,153,927$1,008,642$270,330,432
94$485,109,047$12,549,388$842,349$297,504,800
95$534,383,786$12,957,923$664,184$327,441,004
96$588,678,047$13,379,976$473,548$360,420,522
97$648,503,616$13,816,004$269,821$396,753,541
98$714,424,476$14,266,479$52,352$436,781,880
99$787,062,130$14,731,893$0$480,882,220
100$867,101,464$15,212,753$0$529,508,013