Can I retire at age 35 with 1,860,000?

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 $1,860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$153,597$152,229$150,894$149,591$148,319$143,917
2 years$76,038$74,622$73,250$71,919$70,628$66,230
3 years$50,189$48,766$47,397$46,079$44,809$40,552
4 years$37,266$35,848$34,493$33,197$31,958$27,875
5 years$29,515$28,106$26,768$25,499$24,294$20,396
6 years$24,349$22,950$21,633$20,392$19,223$15,514
7 years$20,661$19,274$17,977$16,765$15,634$12,113
8 years$17,896$16,521$15,246$14,064$12,970$9,635
9 years$15,746$14,385$13,131$11,979$10,922$7,770
10 years$14,027$12,679$11,448$10,326$9,306$6,333
11 years$12,622$11,288$10,079$8,987$8,004$5,204
12 years$11,452$10,131$8,945$7,883$6,936$4,304
13 years$10,463$9,156$7,991$6,959$6,048$3,578
14 years$9,615$8,322$7,180$6,178$5,302$2,987
15 years$8,882$7,602$6,483$5,509$4,668$2,502
16 years$8,241$6,975$5,878$4,933$4,126$2,102
17 years$7,675$6,424$5,348$4,432$3,658$1,770
18 years$7,173$5,936$4,882$3,994$3,253$1,493
19 years$6,725$5,501$4,470$3,609$2,899$1,262
20 years$6,322$5,112$4,102$3,269$2,590$1,068
21 years$5,957$4,762$3,773$2,967$2,317$904
22 years$5,626$4,445$3,477$2,697$2,077$767
23 years$5,325$4,157$3,211$2,457$1,865$651
24 years$5,049$3,895$2,969$2,241$1,676$553
25 years$4,795$3,655$2,750$2,046$1,508$470
26 years$4,562$3,435$2,551$1,871$1,358$399
27 years$4,346$3,233$2,369$1,713$1,225$340
28 years$4,146$3,047$2,202$1,569$1,105$289
29 years$3,959$2,874$2,049$1,439$998$246
30 years$3,786$2,714$1,909$1,321$902$209
31 years$3,624$2,566$1,779$1,213$815$178
32 years$3,473$2,428$1,660$1,115$737$152
33 years$3,331$2,299$1,550$1,025$667$129
34 years$3,198$2,179$1,448$943$604$110
35 years$3,072$2,067$1,354$868$547$94
36 years$2,954$1,962$1,267$800$496$80
37 years$2,843$1,863$1,186$737$449$68
38 years$2,737$1,771$1,110$679$407$58
39 years$2,637$1,684$1,040$626$369$49
40 years$2,543$1,602$975$577$335$42
41 years$2,453$1,525$914$533$304$36
42 years$2,368$1,452$858$492$276$31
43 years$2,287$1,384$805$454$250$26
44 years$2,210$1,319$755$419$227$22
45 years$2,136$1,258$709$387$206$19
46 years$2,066$1,200$666$358$187$16
47 years$2,000$1,145$626$330$170$14
48 years$1,936$1,093$588$305$154$12
49 years$1,874$1,044$553$282$140$10
50 years$1,816$997$520$261$127$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,860,000, adding $3,897 every year, while hoping to spend $39,675 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: 51/31/18 Blend
34$1,860,000$1,860,000$1,860,000$1,860,000
35$2,053,740$1,955,160$1,926,330$2,148,102
36$2,221,007$2,008,749$1,948,648$2,267,074
37$2,404,006$2,063,634$1,970,384$2,391,912
38$2,604,300$2,119,837$1,991,477$2,526,782
39$2,823,608$2,177,378$2,011,861$2,672,646
40$3,063,827$2,236,281$2,031,469$2,830,562
41$3,327,042$2,296,563$2,050,228$3,001,698
42$3,615,553$2,358,247$2,068,063$3,187,337
43$3,931,890$2,421,352$2,084,894$3,388,895
44$4,278,841$2,485,897$2,100,636$3,607,927
45$4,659,478$2,551,900$2,115,202$3,846,150
46$5,077,181$2,619,380$2,128,498$4,105,454
47$5,535,676$2,688,352$2,140,426$4,387,918
48$6,039,068$2,758,835$2,150,883$4,695,837
49$6,591,877$2,830,841$2,159,761$5,031,735
50$7,199,081$2,904,386$2,166,946$5,398,395
51$7,866,169$2,979,481$2,172,320$5,798,881
52$8,599,181$3,056,139$2,175,756$6,236,572
53$9,404,777$3,134,369$2,177,123$6,715,186
54$10,290,290$3,214,180$2,176,283$7,238,825
55$11,263,802$3,295,577$2,173,090$7,812,004
56$12,334,215$3,378,565$2,167,394$8,439,701
57$13,511,338$3,463,148$2,159,035$9,127,399
58$14,805,977$3,549,324$2,147,845$9,881,140
59$16,230,038$3,637,093$2,133,649$10,707,584
60$17,796,640$3,726,448$2,116,264$11,614,068
61$19,520,236$3,817,383$2,095,498$12,608,676
62$21,416,751$3,909,886$2,071,148$13,700,319
63$23,503,733$4,003,943$2,043,005$14,898,813
64$25,800,514$4,099,538$2,010,846$16,214,979
65$28,328,399$4,196,647$1,974,442$17,660,740
66$31,110,859$4,295,246$1,933,549$19,249,234
67$34,173,758$4,395,305$1,887,914$20,994,940
68$37,545,596$4,496,789$1,837,273$22,913,815
69$41,257,773$4,599,658$1,781,349$25,023,444
70$45,344,892$4,703,867$1,719,850$27,343,205
71$49,845,080$4,809,366$1,652,474$29,894,453
72$54,800,350$4,916,096$1,578,904$32,700,724
73$60,256,996$5,023,996$1,498,807$35,787,953
74$66,266,031$5,132,993$1,411,839$39,184,724
75$72,883,666$5,243,010$1,317,636$42,922,536
76$80,171,844$5,353,960$1,215,820$47,036,103
77$88,198,817$5,465,750$1,105,995$51,563,681
78$97,039,799$5,578,275$987,749$56,547,432
79$106,777,670$5,691,421$860,650$62,033,818
80$117,503,757$5,805,066$724,247$68,074,045
81$129,318,701$5,919,074$578,069$74,724,541
82$142,333,400$6,033,300$421,626$82,047,498
83$156,670,060$6,147,586$254,404$90,111,449
84$172,463,347$6,261,758$75,867$98,991,925
85$189,861,657$6,375,633$0$108,772,164
86$209,028,517$6,489,010$0$119,565,920
87$230,144,127$6,601,673$0$131,469,245
88$253,407,062$6,713,389$0$144,579,079
89$279,036,147$6,823,909$0$159,018,325
90$307,272,517$6,932,963$0$174,922,417
91$338,381,899$7,040,264$0$192,440,604
92$372,657,117$7,145,502$0$211,737,359
93$410,420,856$7,248,344$0$232,993,927
94$452,028,706$7,348,436$0$256,410,041
95$497,872,522$7,445,398$0$282,205,808
96$548,384,120$7,538,822$0$310,623,782
97$604,039,352$7,628,276$0$341,931,260
98$665,362,598$7,713,294$0$376,422,804
99$732,931,720$7,793,382$0$414,423,019
100$807,383,509$7,868,012$0$456,289,624