Can I retire at age 35 with 1,910,000?

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 $1,910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$157,726$156,321$154,950$153,612$152,306$147,136
2 years$78,082$76,628$75,219$73,852$72,527$67,370
3 years$51,538$50,077$48,671$47,318$46,014$41,032
4 years$38,268$36,812$35,420$34,090$32,818$28,049
5 years$30,308$28,861$27,488$26,184$24,947$20,405
6 years$25,004$23,567$22,214$20,940$19,740$15,427
7 years$21,216$19,792$18,460$17,216$16,054$11,970
8 years$18,377$16,965$15,656$14,442$13,318$9,459
9 years$16,169$14,771$13,484$12,301$11,216$7,578
10 years$14,405$13,020$11,756$10,604$9,557$6,133
11 years$12,962$11,591$10,350$9,228$8,219$5,004
12 years$11,760$10,404$9,185$8,095$7,122$4,108
13 years$10,744$9,402$8,206$7,146$6,211$3,390
14 years$9,874$8,546$7,373$6,344$5,444$2,809
15 years$9,121$7,807$6,657$5,657$4,794$2,334
16 years$8,462$7,163$6,036$5,066$4,237$1,946
17 years$7,882$6,597$5,492$4,551$3,756$1,625
18 years$7,366$6,095$5,014$4,102$3,340$1,360
19 years$6,906$5,649$4,590$3,706$2,977$1,140
20 years$6,491$5,250$4,212$3,357$2,659$956
21 years$6,117$4,890$3,874$3,046$2,380$803
22 years$5,778$4,564$3,571$2,770$2,133$675
23 years$5,468$4,269$3,297$2,523$1,915$568
24 years$5,185$4,000$3,049$2,301$1,721$478
25 years$4,924$3,754$2,824$2,101$1,549$403
26 years$4,684$3,528$2,619$1,921$1,395$339
27 years$4,463$3,320$2,432$1,759$1,258$286
28 years$4,257$3,128$2,261$1,611$1,135$241
29 years$4,066$2,951$2,104$1,478$1,025$204
30 years$3,888$2,787$1,960$1,356$926$172
31 years$3,722$2,635$1,827$1,245$837$145
32 years$3,566$2,493$1,705$1,145$757$122
33 years$3,421$2,361$1,592$1,052$685$103
34 years$3,284$2,238$1,487$968$620$87
35 years$3,155$2,122$1,391$891$562$74
36 years$3,034$2,014$1,301$821$509$62
37 years$2,919$1,913$1,218$756$461$52
38 years$2,811$1,818$1,140$697$418$44
39 years$2,708$1,729$1,068$643$379$37
40 years$2,611$1,645$1,001$593$344$32
41 years$2,519$1,566$939$547$312$27
42 years$2,432$1,491$881$505$283$22
43 years$2,349$1,421$826$466$257$19
44 years$2,269$1,354$776$430$233$16
45 years$2,194$1,292$728$397$212$14
46 years$2,122$1,232$684$367$192$11
47 years$2,053$1,176$643$339$175$10
48 years$1,988$1,122$604$313$159$8
49 years$1,925$1,072$568$290$144$7
50 years$1,865$1,024$534$268$131$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,910,000, adding $5,440 every year, while hoping to spend $58,398 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: 22/48/30 Blend
34$1,910,000$1,910,000$1,910,000$1,910,000
35$2,110,431$2,009,201$1,979,596$2,136,786
36$2,263,560$2,045,517$1,983,778$2,197,287
37$2,430,351$2,081,655$1,986,142$2,256,763
38$2,612,136$2,117,545$1,986,567$2,319,150
39$2,810,380$2,153,111$1,984,923$2,384,728
40$3,026,697$2,188,272$1,981,076$2,453,804
41$3,262,863$2,222,940$1,974,885$2,526,720
42$3,520,831$2,257,021$1,966,200$2,603,858
43$3,802,756$2,290,414$1,954,867$2,685,640
44$4,111,004$2,323,012$1,940,723$2,772,536
45$4,448,186$2,354,698$1,923,596$2,865,068
46$4,817,172$2,385,350$1,903,308$2,963,813
47$5,221,127$2,414,835$1,879,672$3,069,415
48$5,663,531$2,443,012$1,852,490$3,182,586
49$6,148,221$2,469,729$1,821,559$3,304,116
50$6,679,421$2,494,827$1,786,662$3,434,881
51$7,261,781$2,518,133$1,747,574$3,575,853
52$7,900,425$2,539,464$1,704,061$3,728,110
53$8,600,996$2,558,625$1,655,875$3,892,845
54$9,369,710$2,575,410$1,602,758$4,071,380
55$10,213,411$2,589,596$1,544,442$4,265,181
56$11,139,642$2,600,949$1,480,644$4,475,870
57$12,156,710$2,609,220$1,411,069$4,705,244
58$13,273,763$2,614,141$1,335,409$4,955,292
59$14,500,885$2,615,431$1,253,343$5,228,217
60$15,849,178$2,612,790$1,164,532$5,526,456
61$17,330,877$2,605,900$1,068,627$5,852,705
62$18,959,459$2,594,422$965,259$6,209,948
63$20,749,773$2,577,997$854,044$6,601,485
64$22,718,177$2,556,247$734,582$7,030,967
65$24,882,694$2,528,766$606,454$7,502,430
66$27,263,181$2,495,127$469,222$8,020,338
67$29,881,514$2,454,877$322,430$8,589,626
68$32,761,799$2,407,536$165,601$9,215,747
69$35,930,592$2,352,595$0$9,904,730
70$39,417,155$2,289,515$0$10,663,802
71$43,253,730$2,217,726$0$11,556,367
72$47,475,840$2,136,624$0$12,537,666
73$52,122,627$2,045,570$0$13,616,867
74$57,237,221$1,943,889$0$14,804,084
75$62,867,142$1,830,865$0$16,110,477
76$69,064,756$1,705,742$0$17,548,358
77$75,887,758$1,567,721$0$19,131,311
78$83,399,726$1,415,956$0$20,874,322
79$91,670,715$1,249,554$0$22,793,925
80$100,777,917$1,067,571$0$24,908,357
81$110,806,393$869,011$0$27,237,735
82$121,849,870$652,818$0$29,804,250
83$134,011,631$417,880$0$32,632,381
84$147,405,484$163,023$0$35,749,125
85$162,156,836$0$0$39,184,258
86$178,403,881$0$0$43,030,307
87$196,298,895$0$0$47,361,784
88$216,009,683$0$0$52,133,256
89$237,721,152$0$0$57,389,547
90$261,637,064$0$0$63,180,048
91$287,981,951$0$0$69,559,188
92$317,003,241$0$0$76,586,946
93$348,973,588$0$0$84,329,417
94$384,193,444$0$0$92,859,433
95$422,993,898$0$0$102,257,256
96$465,739,800$0$0$112,611,330
97$512,833,201$0$0$124,019,122
98$564,717,148$0$0$136,588,033
99$621,879,869$0$0$150,436,420
100$684,859,378$0$0$165,694,710