Can I retire at age 35 with 1,090,000?

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 $1,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$90,011$89,209$88,427$87,664$86,918$86,082
2 years$44,560$43,730$42,926$42,146$41,390$40,547
3 years$29,412$28,578$27,776$27,003$26,259$25,437
4 years$21,839$21,008$20,214$19,454$18,728$17,932
5 years$17,296$16,470$15,687$14,943$14,237$13,470
6 years$14,269$13,449$12,677$11,950$11,265$10,527
7 years$12,108$11,295$10,535$9,825$9,162$8,454
8 years$10,487$9,682$8,934$8,242$7,600$6,922
9 years$9,228$8,430$7,695$7,020$6,401$5,752
10 years$8,220$7,430$6,709$6,051$5,454$4,835
11 years$7,397$6,615$5,906$5,267$4,690$4,100
12 years$6,711$5,937$5,242$4,619$4,065$3,502
13 years$6,131$5,365$4,683$4,078$3,544$3,010
14 years$5,635$4,877$4,208$3,620$3,107$2,599
15 years$5,205$4,455$3,799$3,229$2,736$2,254
16 years$4,829$4,088$3,444$2,891$2,418$1,961
17 years$4,498$3,765$3,134$2,597$2,144$1,712
18 years$4,204$3,479$2,861$2,341$1,906$1,498
19 years$3,941$3,224$2,619$2,115$1,699$1,313
20 years$3,705$2,996$2,404$1,916$1,518$1,154
21 years$3,491$2,790$2,211$1,739$1,358$1,015
22 years$3,297$2,605$2,038$1,581$1,217$895
23 years$3,121$2,436$1,882$1,440$1,093$789
24 years$2,959$2,283$1,740$1,313$982$697
25 years$2,810$2,142$1,612$1,199$884$616
26 years$2,673$2,013$1,495$1,096$796$545
27 years$2,547$1,895$1,388$1,004$718$483
28 years$2,429$1,785$1,290$919$648$428
29 years$2,320$1,684$1,201$843$585$379
30 years$2,219$1,591$1,119$774$528$337
31 years$2,124$1,504$1,043$711$478$299
32 years$2,035$1,423$973$653$432$265
33 years$1,952$1,347$908$601$391$235
34 years$1,874$1,277$849$553$354$209
35 years$1,800$1,211$794$509$321$186
36 years$1,731$1,150$742$469$291$165
37 years$1,666$1,092$695$432$263$147
38 years$1,604$1,038$651$398$239$131
39 years$1,546$987$610$367$217$116
40 years$1,490$939$571$338$196$103
41 years$1,438$894$536$312$178$92
42 years$1,388$851$503$288$162$82
43 years$1,340$811$472$266$147$73
44 years$1,295$773$443$246$133$65
45 years$1,252$737$416$227$121$58
46 years$1,211$703$390$210$110$51
47 years$1,172$671$367$194$100$46
48 years$1,134$641$345$179$91$41
49 years$1,098$612$324$165$82$36
50 years$1,064$584$305$153$75$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,090,000, adding $5,861 every year, while hoping to spend $26,508 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: 56/18/26 Blend
34$1,090,000$1,090,000$1,090,000$1,090,000
35$1,207,226$1,149,456$1,132,561$1,265,922
36$1,302,158$1,177,575$1,142,297$1,334,990
37$1,405,886$1,206,183$1,151,471$1,406,935
38$1,519,277$1,235,277$1,160,036$1,484,775
39$1,643,289$1,264,851$1,167,943$1,569,084
40$1,778,975$1,294,899$1,175,140$1,660,499
41$1,927,495$1,325,414$1,181,572$1,759,719
42$2,090,126$1,356,386$1,187,182$1,867,515
43$2,268,276$1,387,806$1,191,909$1,984,738
44$2,463,494$1,419,662$1,195,691$2,112,325
45$2,677,485$1,451,940$1,198,462$2,251,307
46$2,912,129$1,484,626$1,200,150$2,402,823
47$3,169,494$1,517,701$1,200,684$2,568,128
48$3,451,862$1,551,147$1,199,986$2,748,603
49$3,761,742$1,584,943$1,197,975$2,945,774
50$4,101,900$1,619,066$1,194,568$3,161,319
51$4,475,382$1,653,489$1,189,675$3,397,090
52$4,885,545$1,688,184$1,183,203$3,655,127
53$5,336,086$1,723,120$1,175,055$3,937,681
54$5,831,076$1,758,263$1,165,129$4,247,230
55$6,375,003$1,793,575$1,153,318$4,586,508
56$6,972,809$1,829,015$1,139,510$4,958,527
57$7,629,939$1,864,541$1,123,587$5,366,608
58$8,352,392$1,900,102$1,105,427$5,814,410
59$9,146,778$1,935,649$1,084,900$6,305,969
60$10,020,378$1,971,125$1,061,873$6,845,731
61$10,981,215$2,006,468$1,036,204$7,438,599
62$12,038,128$2,041,614$1,007,746$8,089,975
63$13,200,857$2,076,493$976,345$8,805,814
64$14,480,131$2,111,028$941,840$9,592,682
65$15,887,774$2,145,138$904,061$10,457,814
66$17,436,813$2,178,736$862,833$11,409,185
67$19,141,601$2,211,727$817,971$12,455,587
68$21,017,954$2,244,011$769,282$13,606,708
69$23,083,297$2,275,480$716,566$14,873,228
70$25,356,834$2,306,019$659,611$16,266,920
71$27,859,721$2,335,504$598,198$17,800,757
72$30,615,272$2,363,803$532,097$19,489,040
73$33,649,176$2,390,775$461,068$21,347,532
74$36,989,739$2,416,270$384,861$23,393,606
75$40,668,152$2,440,127$303,214$25,646,409
76$44,718,785$2,462,176$215,854$28,127,047
77$49,179,512$2,482,232$122,495$30,858,780
78$54,092,064$2,500,103$22,840$33,867,247
79$59,502,427$2,515,582$0$37,180,704
80$65,461,277$2,528,447$0$40,853,461
81$72,024,451$2,538,465$0$44,904,944
82$79,253,483$2,545,387$0$49,366,735
83$87,216,175$2,548,949$0$54,280,626
84$95,987,246$2,548,868$0$59,692,673
85$105,649,028$2,544,846$0$65,653,629
86$116,292,252$2,536,566$0$72,219,423
87$128,016,896$2,523,692$0$79,451,692
88$140,933,133$2,505,866$0$87,418,356
89$155,162,369$2,482,710$0$96,194,264
90$170,838,389$2,453,822$0$105,861,904
91$188,108,622$2,418,777$0$116,512,172
92$207,135,528$2,377,123$0$128,245,242
93$228,098,132$2,328,382$0$141,171,502
94$251,193,717$2,272,049$0$155,412,603
95$276,639,684$2,207,587$0$171,102,604
96$304,675,602$2,134,429$0$188,389,241
97$335,565,472$2,051,974$0$207,435,320
98$369,600,216$1,959,587$0$228,420,254
99$407,100,427$1,856,596$0$251,541,758
100$448,419,391$1,742,289$0$277,017,717