Can I retire at age 35 with 1,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$90,837$90,028$89,238$88,468$87,716$86,405
2 years$44,969$44,131$43,320$42,533$41,769$40,452
3 years$29,681$28,840$28,031$27,251$26,500$25,217
4 years$22,039$21,201$20,399$19,633$18,900$17,661
5 years$17,455$16,622$15,831$15,080$14,368$13,176
6 years$14,400$13,573$12,793$12,060$11,369$10,226
7 years$12,219$11,398$10,631$9,915$9,246$8,152
8 years$10,583$9,771$9,016$8,317$7,670$6,626
9 years$9,312$8,507$7,766$7,084$6,459$5,464
10 years$8,296$7,499$6,770$6,107$5,504$4,556
11 years$7,465$6,675$5,960$5,315$4,733$3,833
12 years$6,773$5,992$5,290$4,662$4,102$3,247
13 years$6,188$5,415$4,726$4,116$3,577$2,767
14 years$5,687$4,922$4,246$3,653$3,135$2,369
15 years$5,253$4,496$3,834$3,258$2,761$2,036
16 years$4,873$4,125$3,476$2,917$2,440$1,756
17 years$4,539$3,799$3,163$2,621$2,163$1,519
18 years$4,242$3,510$2,887$2,362$1,924$1,316
19 years$3,977$3,253$2,643$2,135$1,715$1,143
20 years$3,739$3,023$2,426$1,933$1,531$995
21 years$3,523$2,816$2,231$1,755$1,371$867
22 years$3,327$2,629$2,057$1,595$1,228$757
23 years$3,149$2,459$1,899$1,453$1,103$661
24 years$2,986$2,304$1,756$1,325$991$578
25 years$2,836$2,162$1,627$1,210$892$506
26 years$2,698$2,032$1,509$1,106$803$443
27 years$2,570$1,912$1,401$1,013$724$388
28 years$2,452$1,802$1,302$928$654$340
29 years$2,342$1,700$1,212$851$590$299
30 years$2,239$1,605$1,129$781$533$262
31 years$2,143$1,517$1,052$717$482$230
32 years$2,054$1,436$982$659$436$202
33 years$1,970$1,360$917$606$395$177
34 years$1,891$1,289$857$558$357$156
35 years$1,817$1,222$801$513$324$137
36 years$1,747$1,160$749$473$293$120
37 years$1,681$1,102$701$436$266$106
38 years$1,619$1,047$657$402$241$93
39 years$1,560$996$615$370$218$82
40 years$1,504$947$577$342$198$72
41 years$1,451$902$541$315$180$63
42 years$1,400$859$507$291$163$56
43 years$1,353$818$476$268$148$49
44 years$1,307$780$447$248$134$43
45 years$1,264$744$419$229$122$38
46 years$1,222$710$394$211$111$33
47 years$1,183$677$370$195$101$29
48 years$1,145$646$348$180$91$26
49 years$1,109$617$327$167$83$23
50 years$1,074$590$307$154$75$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,100,000, adding $2,149 every year, while hoping to spend $45,738 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: 66/17/17 Blend
34$1,100,000$1,100,000$1,100,000$1,100,000
35$1,214,417$1,156,117$1,139,067$1,289,388
36$1,289,622$1,164,102$1,128,561$1,347,803
37$1,370,966$1,170,945$1,116,170$1,406,134
38$1,459,025$1,176,542$1,101,782$1,468,781
39$1,554,436$1,180,782$1,085,282$1,536,165
40$1,657,896$1,183,548$1,066,546$1,608,751
41$1,770,173$1,184,714$1,045,448$1,687,055
42$1,892,113$1,184,147$1,021,852$1,771,643
43$2,024,644$1,181,706$995,620$1,863,142
44$2,168,789$1,177,240$966,604$1,962,242
45$2,325,671$1,170,591$934,651$2,069,706
46$2,496,530$1,161,590$899,602$2,186,376
47$2,682,725$1,150,057$861,288$2,313,181
48$2,885,756$1,135,804$819,534$2,451,148
49$3,107,273$1,118,627$774,158$2,601,406
50$3,349,089$1,098,315$724,967$2,765,206
51$3,613,205$1,074,641$671,762$2,943,926
52$3,901,819$1,047,365$614,333$3,139,085
53$4,217,354$1,016,236$552,463$3,352,364
54$4,562,477$980,984$485,923$3,585,612
55$4,940,123$941,326$414,475$3,840,874
56$5,353,526$896,961$337,870$4,120,404
57$5,806,245$847,571$255,848$4,426,690
58$6,302,201$792,822$168,139$4,762,474
59$6,845,713$732,357$74,458$5,130,785
60$7,441,533$665,800$0$5,534,963
61$8,094,901$592,756$0$5,983,320
62$8,811,584$512,804$0$6,490,005
63$9,597,935$425,500$0$7,046,041
64$10,460,952$330,377$0$7,656,434
65$11,408,343$226,941$0$8,326,700
66$12,448,601$114,667$0$9,062,923
67$13,591,078$0$0$9,871,806
68$14,846,078$0$0$10,762,049
69$16,224,952$0$0$11,763,804
70$17,740,206$0$0$12,864,716
71$19,405,615$0$0$14,074,801
72$21,236,358$0$0$15,405,099
73$23,249,154$0$0$16,867,769
74$25,462,426$0$0$18,476,209
75$27,896,470$0$0$20,245,180
76$30,573,648$0$0$22,190,944
77$33,518,598$0$0$24,331,420
78$36,758,467$0$0$26,686,350
79$40,323,162$0$0$29,277,487
80$44,245,639$0$0$32,128,796
81$48,562,208$0$0$35,266,687
82$53,312,878$0$0$38,720,257
83$58,541,732$0$0$42,521,567
84$64,297,344$0$0$46,705,943
85$70,633,236$0$0$51,312,311
86$77,608,382$0$0$56,383,563
87$85,287,765$0$0$61,966,962
88$93,742,990$0$0$68,114,583
89$103,052,958$0$0$74,883,812
90$113,304,611$0$0$82,337,881
91$124,593,750$0$0$90,546,467
92$137,025,941$0$0$99,586,347
93$150,717,510$0$0$109,542,125
94$165,796,640$0$0$120,507,029
95$182,404,578$0$0$132,583,788
96$200,696,970$0$0$145,885,606
97$220,845,332$0$0$160,537,225
98$243,038,660$0$0$176,676,104
99$267,485,221$0$0$194,453,718
100$294,414,516$0$0$214,036,983