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%16.6%
1 years$90,011$89,209$88,427$87,664$86,918$84,577
2 years$44,560$43,730$42,926$42,146$41,390$39,047
3 years$29,412$28,578$27,776$27,003$26,259$23,990
4 years$21,839$21,008$20,214$19,454$18,728$16,549
5 years$17,296$16,470$15,687$14,943$14,237$12,153
6 years$14,269$13,449$12,677$11,950$11,265$9,279
7 years$12,108$11,295$10,535$9,825$9,162$7,274
8 years$10,487$9,682$8,934$8,242$7,600$5,810
9 years$9,228$8,430$7,695$7,020$6,401$4,705
10 years$8,220$7,430$6,709$6,051$5,454$3,852
11 years$7,397$6,615$5,906$5,267$4,690$3,179
12 years$6,711$5,937$5,242$4,619$4,065$2,641
13 years$6,131$5,365$4,683$4,078$3,544$2,206
14 years$5,635$4,877$4,208$3,620$3,107$1,851
15 years$5,205$4,455$3,799$3,229$2,736$1,558
16 years$4,829$4,088$3,444$2,891$2,418$1,315
17 years$4,498$3,765$3,134$2,597$2,144$1,113
18 years$4,204$3,479$2,861$2,341$1,906$944
19 years$3,941$3,224$2,619$2,115$1,699$802
20 years$3,705$2,996$2,404$1,916$1,518$682
21 years$3,491$2,790$2,211$1,739$1,358$581
22 years$3,297$2,605$2,038$1,581$1,217$496
23 years$3,121$2,436$1,882$1,440$1,093$423
24 years$2,959$2,283$1,740$1,313$982$361
25 years$2,810$2,142$1,612$1,199$884$309
26 years$2,673$2,013$1,495$1,096$796$264
27 years$2,547$1,895$1,388$1,004$718$226
28 years$2,429$1,785$1,290$919$648$193
29 years$2,320$1,684$1,201$843$585$165
30 years$2,219$1,591$1,119$774$528$142
31 years$2,124$1,504$1,043$711$478$121
32 years$2,035$1,423$973$653$432$104
33 years$1,952$1,347$908$601$391$89
34 years$1,874$1,277$849$553$354$76
35 years$1,800$1,211$794$509$321$65
36 years$1,731$1,150$742$469$291$56
37 years$1,666$1,092$695$432$263$48
38 years$1,604$1,038$651$398$239$41
39 years$1,546$987$610$367$217$35
40 years$1,490$939$571$338$196$30
41 years$1,438$894$536$312$178$26
42 years$1,388$851$503$288$162$22
43 years$1,340$811$472$266$147$19
44 years$1,295$773$443$246$133$16
45 years$1,252$737$416$227$121$14
46 years$1,211$703$390$210$110$12
47 years$1,172$671$367$194$100$10
48 years$1,134$641$345$179$91$9
49 years$1,098$612$324$165$82$8
50 years$1,064$584$305$153$75$6

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 $4,168 every year, while hoping to spend $53,116 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: 60/26/14 Blend
34$1,090,000$1,090,000$1,090,000$1,090,000
35$1,205,479$1,147,709$1,130,814$1,273,369
36$1,271,923$1,147,432$1,112,182$1,319,312
37$1,343,364$1,145,361$1,091,144$1,363,080
38$1,420,256$1,141,352$1,067,566$1,409,560
39$1,503,096$1,135,253$1,041,304$1,459,019
40$1,592,432$1,126,901$1,012,208$1,511,754
41$1,688,866$1,116,124$980,122$1,568,093
42$1,793,056$1,102,740$944,883$1,628,398
43$1,905,730$1,086,557$906,318$1,693,073
44$2,027,685$1,067,368$864,250$1,762,563
45$2,159,797$1,044,958$818,491$1,837,362
46$2,303,032$1,019,096$768,846$1,918,017
47$2,458,448$989,539$715,110$2,005,133
48$2,627,214$956,030$657,070$2,099,380
49$2,810,610$918,296$594,502$2,201,501
50$3,010,049$876,049$527,174$2,312,315
51$3,227,082$828,984$454,843$2,432,731
52$3,463,418$776,778$377,254$2,563,754
53$3,720,937$719,090$294,141$2,706,496
54$4,001,706$655,558$205,229$2,862,185
55$4,308,002$585,803$110,226$3,032,182
56$4,642,331$509,420$8,832$3,217,990
57$5,007,452$425,985$0$3,421,270
58$5,406,400$335,047$0$3,658,706
59$5,842,519$236,130$0$3,919,857
60$6,319,490$128,734$0$4,205,699
61$6,841,364$12,328$0$4,518,765
62$7,412,603$0$0$4,861,855
63$8,038,122$0$0$5,270,570
64$8,723,330$0$0$5,722,236
65$9,474,188$0$0$6,217,266
66$10,297,257$0$0$6,759,997
67$11,199,765$0$0$7,355,206
68$12,189,673$0$0$8,008,155
69$13,275,748$0$0$8,724,641
70$14,467,650$0$0$9,511,048
71$15,776,015$0$0$10,374,408
72$17,212,562$0$0$11,322,467
73$18,790,200$0$0$12,363,759
74$20,523,149$0$0$13,507,685
75$22,427,074$0$0$14,764,600
76$24,519,232$0$0$16,145,913
77$26,818,634$0$0$17,664,193
78$29,346,227$0$0$19,333,286
79$32,125,084$0$0$21,168,448
80$35,180,630$0$0$23,186,486
81$38,540,874$0$0$25,405,918
82$42,236,674$0$0$27,847,146
83$46,302,032$0$0$30,532,649
84$50,774,409$0$0$33,487,194
85$55,695,080$0$0$36,738,068
86$61,109,522$0$0$40,315,341
87$67,067,844$0$0$44,252,140
88$73,625,257$0$0$48,584,968
89$80,842,596$0$0$53,354,047
90$88,786,891$0$0$58,603,694
91$97,532,003$0$0$64,382,742
92$107,159,315$0$0$70,745,000
93$117,758,502$0$0$77,749,758
94$129,428,378$0$0$85,462,347
95$142,277,825$0$0$93,954,756
96$156,426,819$0$0$103,306,312
97$172,007,566$0$0$113,604,424
98$189,165,743$0$0$124,945,411
99$208,061,876$0$0$137,435,408
100$228,872,853$0$0$151,191,370