Can I retire at age 35 with 1,870,000?

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 $1,870,000?

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$154,423$153,047$151,705$150,395$149,116$145,453
2 years$76,447$75,023$73,643$72,306$71,008$67,339
3 years$50,458$49,028$47,652$46,327$45,050$41,491
4 years$37,467$36,041$34,679$33,376$32,130$28,709
5 years$29,674$28,257$26,912$25,636$24,425$21,150
6 years$24,480$23,074$21,749$20,501$19,327$16,202
7 years$20,772$19,377$18,073$16,855$15,718$12,743
8 years$17,992$16,610$15,328$14,139$13,039$10,214
9 years$15,831$14,462$13,202$12,044$10,981$8,303
10 years$14,103$12,747$11,510$10,382$9,356$6,822
11 years$12,690$11,348$10,133$9,035$8,047$5,652
12 years$11,514$10,186$8,993$7,925$6,973$4,715
13 years$10,519$9,205$8,034$6,997$6,081$3,954
14 years$9,667$8,367$7,219$6,211$5,330$3,331
15 years$8,930$7,643$6,518$5,539$4,693$2,816
16 years$8,285$7,013$5,909$4,960$4,148$2,387
17 years$7,716$6,458$5,377$4,456$3,678$2,029
18 years$7,212$5,968$4,909$4,016$3,270$1,729
19 years$6,761$5,531$4,494$3,629$2,915$1,475
20 years$6,356$5,140$4,124$3,286$2,604$1,261
21 years$5,989$4,787$3,793$2,983$2,330$1,079
22 years$5,657$4,469$3,496$2,712$2,088$924
23 years$5,354$4,180$3,228$2,470$1,875$792
24 years$5,076$3,916$2,985$2,253$1,685$680
25 years$4,821$3,675$2,765$2,057$1,516$584
26 years$4,586$3,454$2,564$1,881$1,366$501
27 years$4,369$3,251$2,381$1,722$1,231$431
28 years$4,168$3,063$2,214$1,577$1,111$371
29 years$3,981$2,890$2,060$1,447$1,003$319
30 years$3,807$2,729$1,919$1,328$907$274
31 years$3,644$2,580$1,789$1,219$820$236
32 years$3,492$2,441$1,669$1,121$741$203
33 years$3,349$2,312$1,558$1,030$671$175
34 years$3,215$2,191$1,456$948$607$151
35 years$3,089$2,078$1,361$873$550$130
36 years$2,970$1,972$1,274$804$499$112
37 years$2,858$1,873$1,192$741$452$96
38 years$2,752$1,780$1,116$683$410$83
39 years$2,652$1,693$1,046$629$371$72
40 years$2,557$1,611$980$581$337$62
41 years$2,466$1,533$919$536$306$53
42 years$2,381$1,460$862$494$277$46
43 years$2,299$1,391$809$456$252$39
44 years$2,222$1,326$759$421$228$34
45 years$2,148$1,265$713$389$207$29
46 years$2,078$1,206$670$359$188$25
47 years$2,010$1,151$629$332$171$22
48 years$1,946$1,099$591$307$155$19
49 years$1,885$1,049$556$284$141$16
50 years$1,826$1,002$523$262$128$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,870,000, adding $2,795 every year, while hoping to spend $35,854 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: 46/47/7 Blend
34$1,870,000$1,870,000$1,870,000$1,870,000
35$2,063,623$1,964,513$1,935,528$2,154,473
36$2,235,964$2,022,626$1,962,220$2,275,385
37$2,424,683$2,082,384$1,988,604$2,402,508
38$2,631,411$2,143,832$2,014,633$2,539,571
39$2,857,946$2,207,011$2,040,255$2,687,502
40$3,106,270$2,271,968$2,065,416$2,847,323
41$3,378,562$2,338,747$2,090,060$3,020,159
42$3,677,225$2,407,395$2,114,127$3,207,245
43$4,004,903$2,477,959$2,137,552$3,409,942
44$4,364,512$2,550,488$2,160,269$3,629,745
45$4,759,262$2,625,031$2,182,207$3,868,301
46$5,192,686$2,701,637$2,203,291$4,127,423
47$5,668,682$2,780,359$2,223,443$4,409,103
48$6,191,539$2,861,248$2,242,579$4,715,537
49$6,765,984$2,944,357$2,260,614$5,049,141
50$7,397,224$3,029,740$2,277,454$5,412,573
51$8,090,995$3,117,452$2,293,003$5,808,763
52$8,853,618$3,207,548$2,307,160$6,240,935
53$9,692,054$3,300,085$2,319,817$6,712,637
54$10,613,974$3,395,121$2,330,862$7,227,778
55$11,627,831$3,492,713$2,340,177$7,790,664
56$12,742,935$3,592,921$2,347,638$8,406,034
57$13,969,545$3,695,804$2,353,114$9,079,110
58$15,318,964$3,801,424$2,356,469$9,815,641
59$16,803,646$3,909,842$2,357,559$10,621,960
60$18,437,314$4,021,121$2,356,233$11,505,044
61$20,235,087$4,135,322$2,352,333$12,472,576
62$22,213,623$4,252,510$2,345,693$13,533,021
63$24,391,278$4,372,748$2,336,140$14,695,702
64$26,788,277$4,496,102$2,323,490$15,970,892
65$29,426,907$4,622,637$2,307,553$17,369,906
66$32,331,724$4,752,418$2,288,127$18,905,210
67$35,529,784$4,885,511$2,265,004$20,590,537
68$39,050,904$5,021,983$2,237,964$22,441,019
69$42,927,937$5,161,901$2,206,776$24,473,326
70$47,197,082$5,305,330$2,171,199$26,705,824
71$51,898,231$5,452,338$2,130,981$29,158,749
72$57,075,339$5,602,991$2,085,857$31,854,398
73$62,776,843$5,757,356$2,035,552$34,817,337
74$69,056,113$5,915,499$1,979,776$38,074,632
75$75,971,965$6,077,486$1,918,226$41,656,110
76$83,589,205$6,243,383$1,850,586$45,594,631
77$91,979,249$6,413,254$1,776,526$49,926,406
78$101,220,791$6,587,162$1,695,699$54,691,333
79$111,400,550$6,765,172$1,607,743$59,933,377
80$122,614,085$6,947,344$1,512,281$65,700,982
81$134,966,697$7,133,738$1,408,917$72,047,528
82$148,574,423$7,324,415$1,297,239$79,031,837
83$163,565,133$7,519,429$1,176,815$86,718,726
84$180,079,732$7,718,838$1,047,195$95,179,617
85$198,273,496$7,922,692$907,907$104,493,214
86$218,317,532$8,131,043$758,461$114,746,245
87$240,400,393$8,343,937$598,342$126,034,278
88$264,729,862$8,561,419$427,016$138,462,625
89$291,534,909$8,783,529$243,921$152,147,337
90$321,067,852$9,010,305$48,476$167,216,294
91$353,606,742$9,241,778$0$183,810,417
92$389,457,982$9,477,978$0$202,096,957
93$428,959,225$9,718,928$0$222,239,722
94$472,482,555$9,964,644$0$244,423,714
95$520,438,003$10,215,140$0$268,856,791
96$573,277,418$10,470,420$0$295,768,007
97$631,498,727$10,730,483$0$325,409,772
98$695,650,640$10,995,320$0$358,060,232
99$766,337,829$11,264,913$0$394,025,899
100$844,226,631$11,539,238$0$433,644,541