Can I retire at age 35 with 1,930,000?

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 $1,930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$159,378$157,958$156,573$155,221$153,901$149,755
2 years$78,900$77,430$76,006$74,625$73,286$69,139
3 years$52,077$50,602$49,181$47,813$46,496$42,477
4 years$38,669$37,198$35,791$34,447$33,161$29,302
5 years$30,626$29,163$27,775$26,458$25,209$21,519
6 years$25,265$23,814$22,447$21,159$19,947$16,431
7 years$21,438$19,999$18,653$17,396$16,222$12,880
8 years$18,569$17,143$15,819$14,593$13,458$10,287
9 years$16,339$14,926$13,625$12,430$11,333$8,332
10 years$14,555$13,156$11,879$10,715$9,657$6,820
11 years$13,097$11,712$10,458$9,325$8,305$5,629
12 years$11,883$10,512$9,281$8,179$7,197$4,677
13 years$10,857$9,500$8,292$7,221$6,276$3,907
14 years$9,977$8,635$7,451$6,410$5,501$3,277
15 years$9,216$7,889$6,727$5,717$4,844$2,759
16 years$8,551$7,238$6,099$5,119$4,281$2,329
17 years$7,964$6,666$5,550$4,599$3,796$1,971
18 years$7,443$6,159$5,066$4,145$3,375$1,672
19 years$6,978$5,708$4,638$3,745$3,008$1,420
20 years$6,559$5,305$4,256$3,392$2,687$1,208
21 years$6,181$4,941$3,915$3,078$2,405$1,029
22 years$5,838$4,612$3,608$2,799$2,155$877
23 years$5,525$4,314$3,332$2,549$1,935$749
24 years$5,239$4,042$3,081$2,325$1,739$639
25 years$4,976$3,793$2,854$2,123$1,565$546
26 years$4,733$3,565$2,647$1,941$1,410$467
27 years$4,509$3,355$2,458$1,777$1,271$400
28 years$4,302$3,161$2,285$1,628$1,147$342
29 years$4,108$2,982$2,126$1,493$1,035$293
30 years$3,929$2,816$1,980$1,370$936$251
31 years$3,761$2,662$1,846$1,258$846$215
32 years$3,604$2,519$1,723$1,157$765$184
33 years$3,456$2,386$1,608$1,064$692$157
34 years$3,318$2,261$1,503$979$627$135
35 years$3,188$2,145$1,405$901$568$116
36 years$3,065$2,036$1,314$830$515$99
37 years$2,950$1,933$1,230$764$466$85
38 years$2,840$1,837$1,152$705$423$73
39 years$2,737$1,747$1,079$650$383$62
40 years$2,639$1,662$1,012$599$348$54
41 years$2,546$1,582$949$553$315$46
42 years$2,457$1,507$890$510$286$39
43 years$2,373$1,436$835$471$260$34
44 years$2,293$1,369$784$435$236$29
45 years$2,217$1,305$736$402$214$25
46 years$2,144$1,245$691$371$194$21
47 years$2,075$1,188$649$343$176$18
48 years$2,008$1,134$610$317$160$16
49 years$1,945$1,083$574$293$146$13
50 years$1,884$1,035$539$271$132$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,930,000, adding $2,086 every year, while hoping to spend $23,526 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: 67/8/25 Blend
34$1,930,000$1,930,000$1,930,000$1,930,000
35$2,129,012$2,026,722$1,996,807$2,257,768
36$2,321,139$2,101,000$2,038,668$2,418,865
37$2,532,076$2,178,129$2,081,144$2,592,119
38$2,763,714$2,258,224$2,124,229$2,781,066
39$3,018,141$2,341,404$2,167,918$2,987,256
40$3,297,653$2,427,795$2,212,206$3,212,394
41$3,604,784$2,517,527$2,257,084$3,458,358
42$3,942,321$2,610,735$2,302,546$3,727,217
43$4,313,337$2,707,560$2,348,580$4,021,250
44$4,721,217$2,808,150$2,395,177$4,342,964
45$5,169,690$2,912,659$2,442,325$4,695,123
46$5,662,865$3,021,246$2,490,009$5,080,771
47$6,205,268$3,134,078$2,538,216$5,503,260
48$6,801,888$3,251,330$2,586,928$5,966,284
49$7,458,219$3,373,184$2,636,129$6,473,910
50$8,180,316$3,499,828$2,685,798$7,030,619
51$8,974,849$3,631,461$2,735,913$7,641,348
52$9,849,169$3,768,288$2,786,452$8,311,535
53$10,811,375$3,910,525$2,837,388$9,047,172
54$11,870,390$4,058,395$2,888,695$9,854,858
55$13,036,046$4,212,133$2,940,343$10,741,866
56$14,319,178$4,371,983$2,992,300$11,716,207
57$15,731,723$4,538,199$3,044,531$12,786,708
58$17,286,835$4,711,047$3,096,999$13,963,094
59$18,999,009$4,890,805$3,149,666$15,256,079
60$20,884,216$5,077,762$3,202,487$16,677,469
61$22,960,054$5,272,220$3,255,418$18,240,272
62$25,245,915$5,474,495$3,308,410$19,958,820
63$27,763,168$5,684,915$3,361,412$21,848,903
64$30,535,359$5,903,823$3,414,367$23,927,923
65$33,588,435$6,131,580$3,467,217$26,215,051
66$36,950,986$6,368,558$3,519,900$28,731,412
67$40,654,518$6,615,149$3,572,348$31,500,284
68$44,733,748$6,871,760$3,624,491$34,547,316
69$49,226,932$7,138,818$3,676,253$37,900,771
70$54,176,227$7,416,768$3,727,555$41,591,791
71$59,628,086$7,706,074$3,778,313$45,654,693
72$65,633,701$8,007,222$3,828,436$50,127,289
73$72,249,480$8,320,717$3,877,830$55,051,248
74$79,537,584$8,647,090$3,926,395$60,472,485
75$87,566,513$8,986,892$3,974,024$66,441,593
76$96,411,749$9,340,702$4,020,606$73,014,326
77$106,156,474$9,709,123$4,066,023$80,252,118
78$116,892,348$10,092,784$4,110,148$88,222,668
79$128,720,381$10,492,343$4,152,851$97,000,576
80$141,751,881$10,908,489$4,193,993$106,668,047
81$156,109,507$11,341,940$4,233,427$117,315,670
82$171,928,428$11,793,446$4,270,997$129,043,267
83$189,357,595$12,263,792$4,306,543$141,960,838
84$208,561,150$12,753,798$4,339,892$156,189,602
85$229,719,973$13,264,320$4,370,865$171,863,135
86$253,033,392$13,796,254$4,399,271$189,128,635
87$278,721,063$14,350,535$4,424,911$208,148,309
88$307,025,041$14,928,141$4,447,575$229,100,906
89$338,212,070$15,530,094$4,467,043$252,183,402
90$372,576,095$16,157,463$4,483,084$277,612,858
91$410,441,042$16,811,364$4,495,453$305,628,474
92$452,163,873$17,492,965$4,503,895$336,493,840
93$498,137,955$18,203,487$4,508,142$370,499,429
94$548,796,774$18,944,206$4,507,912$407,965,336
95$604,618,028$19,716,455$4,502,911$449,244,300
96$666,128,136$20,521,630$4,492,827$494,725,034
97$733,907,205$21,361,189$4,477,336$544,835,894
98$808,594,510$22,236,658$4,456,097$600,048,922
99$890,894,527$23,149,631$4,428,753$660,884,303
100$981,583,581$24,101,776$4,394,929$727,915,273