Can I retire at age 35 with 1,880,000?

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 $1,880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$155,249$153,866$152,517$151,200$149,914$147,249
2 years$76,856$75,424$74,037$72,692$71,388$68,711
3 years$50,728$49,291$47,907$46,575$45,291$42,688
4 years$37,667$36,234$34,864$33,554$32,302$29,791
5 years$29,832$28,408$27,056$25,773$24,556$22,144
6 years$24,611$23,197$21,865$20,611$19,430$17,121
7 years$20,883$19,481$18,170$16,945$15,802$13,596
8 years$18,088$16,699$15,410$14,215$13,109$11,006
9 years$15,915$14,539$13,272$12,108$11,040$9,038
10 years$14,178$12,816$11,571$10,437$9,406$7,504
11 years$12,758$11,409$10,187$9,084$8,090$6,285
12 years$11,575$10,240$9,041$7,967$7,010$5,301
13 years$10,575$9,254$8,077$7,034$6,113$4,496
14 years$9,719$8,412$7,257$6,244$5,359$3,831
15 years$8,977$7,684$6,553$5,569$4,718$3,277
16 years$8,329$7,050$5,941$4,986$4,170$2,813
17 years$7,758$6,493$5,406$4,480$3,697$2,420
18 years$7,250$6,000$4,935$4,037$3,288$2,087
19 years$6,797$5,560$4,518$3,648$2,930$1,804
20 years$6,390$5,167$4,146$3,304$2,617$1,561
21 years$6,021$4,813$3,814$2,999$2,342$1,354
22 years$5,687$4,493$3,515$2,726$2,100$1,175
23 years$5,382$4,202$3,245$2,483$1,885$1,021
24 years$5,103$3,937$3,001$2,265$1,694$888
25 years$4,847$3,695$2,780$2,068$1,524$772
26 years$4,611$3,472$2,578$1,891$1,373$673
27 years$4,392$3,268$2,394$1,731$1,238$586
28 years$4,190$3,079$2,226$1,586$1,117$511
29 years$4,002$2,905$2,071$1,454$1,009$446
30 years$3,827$2,743$1,929$1,335$911$389
31 years$3,663$2,593$1,799$1,226$824$340
32 years$3,510$2,454$1,678$1,127$745$296
33 years$3,367$2,324$1,567$1,036$675$259
34 years$3,232$2,203$1,464$953$611$226
35 years$3,105$2,089$1,369$877$553$198
36 years$2,986$1,983$1,280$808$501$173
37 years$2,873$1,883$1,198$745$454$151
38 years$2,767$1,790$1,122$686$412$132
39 years$2,666$1,702$1,051$633$373$115
40 years$2,570$1,619$985$584$339$101
41 years$2,480$1,541$924$538$307$88
42 years$2,394$1,468$867$497$279$77
43 years$2,312$1,399$813$459$253$67
44 years$2,234$1,333$764$424$230$59
45 years$2,159$1,271$717$391$209$52
46 years$2,089$1,213$673$361$189$45
47 years$2,021$1,157$633$334$172$39
48 years$1,956$1,105$594$308$156$35
49 years$1,895$1,055$559$285$142$30
50 years$1,836$1,008$525$264$129$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,880,000, adding $2,355 every year, while hoping to spend $53,761 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: 64/28/8 Blend
34$1,880,000$1,880,000$1,880,000$1,880,000
35$2,074,189$1,974,549$1,945,409$2,203,497
36$2,228,555$2,014,101$1,953,379$2,329,515
37$2,396,865$2,053,789$1,959,814$2,460,556
38$2,580,483$2,093,563$1,964,606$2,602,289
39$2,780,914$2,133,368$1,967,642$2,755,748
40$2,999,810$2,173,147$1,968,801$2,922,073
41$3,238,995$2,212,835$1,967,960$3,102,519
42$3,500,472$2,252,363$1,964,986$3,298,470
43$3,786,449$2,291,659$1,959,743$3,511,450
44$4,099,358$2,330,640$1,952,085$3,743,137
45$4,441,874$2,369,223$1,941,861$3,995,382
46$4,816,944$2,407,314$1,928,912$4,270,224
47$5,227,815$2,444,815$1,913,073$4,569,909
48$5,678,060$2,481,619$1,894,169$4,896,912
49$6,171,616$2,517,612$1,872,018$5,253,961
50$6,712,818$2,552,672$1,846,427$5,644,062
51$7,306,440$2,586,669$1,817,198$6,070,528
52$7,957,744$2,619,462$1,784,121$6,537,011
53$8,672,520$2,650,902$1,746,976$7,047,534
54$9,457,152$2,680,831$1,705,533$7,606,532
55$10,318,666$2,709,076$1,659,554$8,218,893
56$11,264,807$2,735,458$1,608,786$8,890,004
57$12,304,104$2,759,782$1,552,967$9,625,803
58$13,445,953$2,781,842$1,491,822$10,432,832
59$14,700,706$2,801,418$1,425,064$11,318,306
60$16,079,767$2,818,276$1,352,392$12,290,173
61$17,595,699$2,832,168$1,273,493$13,357,196
62$19,262,344$2,842,827$1,188,038$14,529,033
63$21,094,950$2,849,973$1,095,685$15,816,326
64$23,110,320$2,853,307$996,075$17,230,810
65$25,326,964$2,852,510$888,835$18,785,414
66$27,765,276$2,847,244$773,572$20,494,392
67$30,447,727$2,837,152$649,880$22,373,453
68$33,399,075$2,821,853$517,331$24,439,912
69$36,646,600$2,800,943$375,481$26,712,854
70$40,220,358$2,773,994$223,865$29,213,313
71$44,153,468$2,740,553$61,997$31,964,473
72$48,482,420$2,700,138$0$34,991,888
73$53,247,421$2,652,240$0$38,333,177
74$58,492,776$2,596,318$0$42,016,190
75$64,267,303$2,531,800$0$46,069,892
76$70,624,791$2,458,082$0$50,532,043
77$77,624,513$2,374,521$0$55,444,257
78$85,331,780$2,280,440$0$60,852,398
79$93,818,560$2,175,120$0$66,807,013
80$103,164,155$2,057,802$0$73,363,809
81$113,455,947$1,927,682$0$80,584,178
82$124,790,227$1,783,912$0$88,535,783
83$137,273,099$1,625,593$0$97,293,194
84$151,021,483$1,451,776$0$106,938,594
85$166,164,219$1,261,457$0$117,562,554
86$182,843,278$1,053,577$0$129,264,894
87$201,215,105$827,015$0$142,155,622
88$221,452,096$580,589$0$156,355,978
89$243,744,221$313,049$0$171,999,577
90$268,300,819$23,076$0$189,233,675
91$295,352,573$0$0$208,220,557
92$325,153,686$0$0$229,228,652
93$357,984,279$0$0$252,380,397
94$394,153,038$0$0$277,886,388
95$434,000,122$0$0$305,986,531
96$477,900,379$0$0$336,945,194
97$526,266,877$0$0$371,053,704
98$579,554,809$0$0$408,633,095
99$638,265,784$0$0$450,037,139
100$702,952,565$0$0$495,655,685