Can I retire at age 35 with 1,890,000?

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 $1,890,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$156,074$154,684$153,328$152,004$150,711$145,945
2 years$77,265$75,826$74,431$73,079$71,767$67,009
3 years$50,998$49,553$48,162$46,822$45,532$40,931
4 years$37,867$36,427$35,049$33,733$32,474$28,064
5 years$29,991$28,559$27,200$25,910$24,686$20,481
6 years$24,742$23,320$21,981$20,720$19,533$15,535
7 years$20,994$19,585$18,267$17,035$15,886$12,095
8 years$18,184$16,788$15,492$14,291$13,179$9,592
9 years$16,000$14,617$13,343$12,172$11,098$7,713
10 years$14,254$12,884$11,633$10,493$9,456$6,266
11 years$12,826$11,470$10,241$9,132$8,133$5,132
12 years$11,637$10,295$9,089$8,010$7,048$4,230
13 years$10,632$9,303$8,120$7,071$6,146$3,505
14 years$9,771$8,456$7,296$6,277$5,387$2,916
15 years$9,025$7,725$6,587$5,598$4,743$2,434
16 years$8,373$7,088$5,972$5,013$4,192$2,037
17 years$7,799$6,527$5,435$4,504$3,717$1,709
18 years$7,289$6,032$4,961$4,059$3,305$1,437
19 years$6,833$5,590$4,542$3,667$2,946$1,210
20 years$6,424$5,195$4,168$3,322$2,631$1,020
21 years$6,053$4,839$3,834$3,015$2,355$860
22 years$5,717$4,517$3,534$2,741$2,111$727
23 years$5,411$4,224$3,263$2,496$1,895$614
24 years$5,130$3,958$3,017$2,277$1,703$520
25 years$4,873$3,714$2,795$2,079$1,532$440
26 years$4,635$3,491$2,592$1,901$1,380$372
27 years$4,416$3,285$2,407$1,740$1,245$315
28 years$4,212$3,096$2,237$1,594$1,123$267
29 years$4,023$2,920$2,082$1,462$1,014$227
30 years$3,847$2,758$1,939$1,342$916$192
31 years$3,683$2,607$1,808$1,232$828$163
32 years$3,529$2,467$1,687$1,133$749$138
33 years$3,385$2,336$1,575$1,041$678$117
34 years$3,249$2,214$1,472$958$614$99
35 years$3,122$2,100$1,376$882$556$84
36 years$3,002$1,993$1,287$812$504$72
37 years$2,888$1,893$1,205$749$457$61
38 years$2,781$1,799$1,128$690$414$52
39 years$2,680$1,711$1,057$636$375$44
40 years$2,584$1,628$991$587$341$37
41 years$2,493$1,550$929$541$309$31
42 years$2,406$1,476$871$500$280$27
43 years$2,324$1,406$818$461$254$23
44 years$2,246$1,340$768$426$231$19
45 years$2,171$1,278$721$393$210$16
46 years$2,100$1,219$677$363$190$14
47 years$2,032$1,164$636$336$173$12
48 years$1,967$1,111$598$310$157$10
49 years$1,905$1,061$562$287$143$8
50 years$1,845$1,013$528$265$129$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,890,000, adding $3,929 every year, while hoping to spend $29,581 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: 56/29/15 Blend
34$1,890,000$1,890,000$1,890,000$1,890,000
35$2,086,833$1,986,663$1,957,368$2,195,320
36$2,268,216$2,052,535$1,991,466$2,335,293
37$2,467,108$2,120,644$2,025,714$2,484,138
38$2,685,265$2,191,068$2,060,088$2,645,598
39$2,924,620$2,263,887$2,094,558$2,820,885
40$3,187,300$2,339,186$2,129,094$3,011,334
41$3,475,651$2,417,053$2,163,666$3,218,414
42$3,792,256$2,497,578$2,198,237$3,443,742
43$4,139,961$2,580,854$2,232,773$3,689,096
44$4,521,900$2,666,978$2,267,234$3,956,434
45$4,941,526$2,756,053$2,301,578$4,247,912
46$5,402,643$2,848,181$2,335,763$4,565,903
47$5,909,442$2,943,471$2,369,740$4,913,018
48$6,466,541$3,042,036$2,403,462$5,292,133
49$7,079,024$3,143,993$2,436,875$5,706,415
50$7,752,498$3,249,462$2,469,923$6,159,350
51$8,493,135$3,358,568$2,502,548$6,654,778
52$9,307,739$3,471,441$2,534,687$7,196,926
53$10,203,803$3,588,217$2,566,274$7,790,451
54$11,189,587$3,709,035$2,597,240$8,440,480
55$12,274,188$3,834,041$2,627,510$9,152,662
56$13,467,630$3,963,385$2,657,008$9,933,217
57$14,780,961$4,097,223$2,685,650$10,788,995
58$16,226,350$4,235,717$2,713,350$11,727,544
59$17,817,206$4,379,037$2,740,016$12,757,177
60$19,568,307$4,527,355$2,765,552$13,887,049
61$21,495,934$4,680,855$2,789,857$15,127,249
62$23,618,025$4,839,723$2,812,824$16,488,888
63$25,954,349$5,004,155$2,834,339$17,984,207
64$28,526,688$5,174,353$2,854,284$19,626,692
65$31,359,042$5,350,529$2,872,535$21,431,199
66$34,477,860$5,532,900$2,888,960$23,414,095
67$37,912,283$5,721,694$2,903,422$25,593,413
68$41,694,424$5,917,145$2,915,775$27,989,019
69$45,859,669$6,119,499$2,925,867$30,622,802
70$50,447,011$6,329,009$2,933,539$33,518,877
71$55,499,415$6,545,940$2,938,621$36,703,814
72$61,064,228$6,770,564$2,940,938$40,206,889
73$67,193,625$7,003,167$2,940,305$44,060,355
74$73,945,097$7,244,045$2,936,527$48,299,753
75$81,381,997$7,493,503$2,929,401$52,964,242
76$89,574,137$7,751,862$2,918,713$58,096,968
77$98,598,449$8,019,452$2,904,239$63,745,473
78$108,539,703$8,296,618$2,885,744$69,962,139
79$119,491,319$8,583,718$2,862,983$76,804,689
80$131,556,237$8,881,124$2,835,696$84,336,723
81$144,847,897$9,189,223$2,803,615$92,628,321
82$159,491,302$9,508,415$2,766,457$101,756,706
83$175,624,206$9,839,118$2,723,924$111,806,968
84$193,398,407$10,181,767$2,675,707$122,872,871
85$212,981,184$10,536,812$2,621,482$135,057,732
86$234,556,872$10,904,723$2,560,909$148,475,398
87$258,328,605$11,285,987$2,493,633$163,251,322
88$284,520,234$11,681,112$2,419,280$179,523,742
89$313,378,436$12,090,624$2,337,464$197,444,990
90$345,175,044$12,515,072$2,247,777$217,182,922
91$380,209,614$12,955,027$2,149,793$238,922,508
92$418,812,252$13,411,080$2,043,068$262,867,576
93$461,346,728$13,883,850$1,927,138$289,242,731
94$508,213,914$14,373,978$1,801,516$318,295,479
95$559,855,561$14,882,131$1,665,695$350,298,560
96$616,758,478$15,409,005$1,519,145$385,552,521
97$679,459,117$15,955,321$1,361,312$424,388,553
98$748,548,648$16,521,832$1,191,616$467,171,617
99$824,678,528$17,109,320$1,009,453$514,303,887
100$908,566,660$17,718,599$814,192$566,228,544