Can I retire at age 35 with 1,850,000?

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 $1,850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$152,771$151,410$150,083$148,787$147,522$143,897
2 years$75,629$74,221$72,856$71,532$70,248$66,619
3 years$49,919$48,504$47,142$45,831$44,568$41,048
4 years$37,066$35,656$34,308$33,019$31,787$28,402
5 years$29,356$27,954$26,624$25,362$24,164$20,924
6 years$24,218$22,827$21,516$20,282$19,120$16,029
7 years$20,550$19,170$17,880$16,675$15,550$12,607
8 years$17,799$16,432$15,164$13,988$12,900$10,105
9 years$15,661$14,307$13,061$11,915$10,864$8,214
10 years$13,952$12,611$11,386$10,271$9,256$6,749
11 years$12,554$11,227$10,024$8,939$7,961$5,592
12 years$11,391$10,077$8,896$7,840$6,899$4,664
13 years$10,407$9,106$7,948$6,922$6,016$3,912
14 years$9,564$8,277$7,142$6,144$5,273$3,295
15 years$8,834$7,562$6,448$5,480$4,643$2,785
16 years$8,196$6,938$5,846$4,907$4,104$2,362
17 years$7,634$6,389$5,320$4,408$3,638$2,008
18 years$7,135$5,904$4,856$3,973$3,235$1,710
19 years$6,689$5,472$4,446$3,590$2,884$1,459
20 years$6,288$5,085$4,080$3,251$2,576$1,247
21 years$5,925$4,736$3,753$2,951$2,305$1,067
22 years$5,596$4,421$3,459$2,683$2,066$914
23 years$5,296$4,135$3,194$2,443$1,855$784
24 years$5,022$3,874$2,953$2,229$1,667$672
25 years$4,770$3,636$2,736$2,035$1,500$577
26 years$4,537$3,417$2,537$1,861$1,351$496
27 years$4,322$3,216$2,356$1,703$1,218$426
28 years$4,123$3,030$2,190$1,561$1,099$367
29 years$3,938$2,859$2,038$1,431$993$315
30 years$3,766$2,700$1,898$1,313$897$271
31 years$3,605$2,552$1,770$1,206$811$234
32 years$3,454$2,415$1,651$1,109$733$201
33 years$3,313$2,287$1,542$1,019$664$173
34 years$3,180$2,167$1,441$938$601$149
35 years$3,056$2,056$1,347$863$544$128
36 years$2,938$1,951$1,260$795$493$111
37 years$2,827$1,853$1,179$733$447$95
38 years$2,722$1,761$1,104$675$405$82
39 years$2,623$1,675$1,035$623$367$71
40 years$2,529$1,593$970$574$333$61
41 years$2,440$1,517$909$530$302$53
42 years$2,355$1,444$853$489$274$45
43 years$2,275$1,376$800$451$249$39
44 years$2,198$1,312$751$417$226$34
45 years$2,125$1,251$705$385$205$29
46 years$2,055$1,193$663$356$186$25
47 years$1,989$1,139$622$329$169$22
48 years$1,925$1,087$585$304$154$19
49 years$1,864$1,038$550$281$140$16
50 years$1,806$992$517$259$127$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,850,000, adding $4,580 every year, while hoping to spend $46,983 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: 38/40/22 Blend
34$1,850,000$1,850,000$1,850,000$1,850,000
35$2,043,424$1,945,374$1,916,699$2,107,473
36$2,201,864$1,990,708$1,930,919$2,199,673
37$2,374,890$2,036,689$1,944,041$2,294,509
38$2,563,940$2,083,298$1,955,978$2,396,054
39$2,770,598$2,130,515$1,966,639$2,504,941
40$2,996,607$2,178,319$1,975,929$2,621,868
41$3,243,886$2,226,681$1,983,748$2,747,607
42$3,514,549$2,275,575$1,989,990$2,883,006
43$3,810,923$2,324,968$1,994,544$3,029,001
44$4,135,570$2,374,825$1,997,295$3,186,624
45$4,491,313$2,425,106$1,998,119$3,357,013
46$4,881,260$2,475,770$1,996,890$3,541,423
47$5,308,835$2,526,769$1,993,472$3,741,237
48$5,777,808$2,578,052$1,987,724$3,957,981
49$6,292,331$2,629,563$1,979,500$4,193,337
50$6,856,978$2,681,241$1,968,643$4,449,160
51$7,476,789$2,733,021$1,954,991$4,727,495
52$8,157,314$2,784,831$1,938,375$5,030,597
53$8,904,665$2,836,593$1,918,616$5,360,955
54$9,725,578$2,888,224$1,895,527$5,721,310
55$10,627,473$2,939,632$1,868,913$6,114,688
56$11,618,522$2,990,721$1,838,569$6,544,424
57$12,707,730$3,041,385$1,804,279$7,014,195
58$13,905,017$3,091,512$1,765,821$7,528,059
59$15,221,312$3,140,979$1,722,960$8,090,486
60$16,668,655$3,189,657$1,675,449$8,706,410
61$18,260,313$3,237,405$1,623,031$9,381,267
62$20,010,901$3,284,073$1,565,438$10,121,055
63$21,936,522$3,329,502$1,502,389$10,932,386
64$24,054,918$3,373,518$1,433,590$11,822,552
65$26,385,638$3,415,939$1,358,734$12,799,590
66$28,950,221$3,456,568$1,277,499$13,872,367
67$31,772,398$3,495,195$1,189,550$15,050,655
68$34,878,319$3,531,596$1,094,537$16,345,232
69$38,296,796$3,565,532$992,092$17,767,979
70$42,059,575$3,596,749$881,833$19,331,998
71$46,201,638$3,624,976$763,361$21,051,732
72$50,761,529$3,649,924$636,257$22,943,107
73$55,781,719$3,671,284$500,086$25,023,680
74$61,309,008$3,688,731$354,393$27,312,808
75$67,394,964$3,701,915$198,701$29,831,831
76$74,096,408$3,710,467$32,516$32,604,278
77$81,475,956$3,713,994$0$35,656,086
78$89,602,601$3,712,078$0$39,049,847
79$98,552,371$3,704,274$0$42,793,442
80$108,409,042$3,690,113$0$46,914,114
81$119,264,930$3,669,095$0$51,450,310
82$131,221,761$3,640,688$0$56,444,405
83$144,391,631$3,604,332$0$61,943,105
84$158,898,063$3,559,430$0$67,997,884
85$174,877,173$3,505,349$0$74,665,476
86$192,478,955$3,441,422$0$82,008,411
87$211,868,694$3,366,937$0$90,095,604
88$233,228,529$3,281,145$0$99,003,012
89$256,759,167$3,183,250$0$108,814,349
90$282,681,783$3,072,409$0$119,621,878
91$311,240,100$2,947,733$0$131,527,286
92$342,702,696$2,808,278$0$144,642,646
93$377,365,535$2,653,047$0$159,091,476
94$415,554,758$2,480,985$0$175,009,907
95$457,629,768$2,290,977$0$192,547,973
96$503,986,614$2,081,845$0$211,871,027
97$555,061,734$1,852,341$0$233,161,308
98$611,336,073$1,601,148$0$256,619,662
99$673,339,624$1,326,876$0$282,467,443
100$741,656,426$1,028,053$0$310,948,605