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

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 $1,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$90,837$90,028$89,238$88,468$87,716$86,836
2 years$44,969$44,131$43,320$42,533$41,769$40,883
3 years$29,681$28,840$28,031$27,251$26,500$25,635
4 years$22,039$21,201$20,399$19,633$18,900$18,063
5 years$17,455$16,622$15,831$15,080$14,368$13,561
6 years$14,400$13,573$12,793$12,060$11,369$10,593
7 years$12,219$11,398$10,631$9,915$9,246$8,502
8 years$10,583$9,771$9,016$8,317$7,670$6,958
9 years$9,312$8,507$7,766$7,084$6,459$5,778
10 years$8,296$7,499$6,770$6,107$5,504$4,853
11 years$7,465$6,675$5,960$5,315$4,733$4,113
12 years$6,773$5,992$5,290$4,662$4,102$3,512
13 years$6,188$5,415$4,726$4,116$3,577$3,016
14 years$5,687$4,922$4,246$3,653$3,135$2,603
15 years$5,253$4,496$3,834$3,258$2,761$2,255
16 years$4,873$4,125$3,476$2,917$2,440$1,961
17 years$4,539$3,799$3,163$2,621$2,163$1,710
18 years$4,242$3,510$2,887$2,362$1,924$1,496
19 years$3,977$3,253$2,643$2,135$1,715$1,311
20 years$3,739$3,023$2,426$1,933$1,531$1,150
21 years$3,523$2,816$2,231$1,755$1,371$1,012
22 years$3,327$2,629$2,057$1,595$1,228$891
23 years$3,149$2,459$1,899$1,453$1,103$785
24 years$2,986$2,304$1,756$1,325$991$693
25 years$2,836$2,162$1,627$1,210$892$612
26 years$2,698$2,032$1,509$1,106$803$541
27 years$2,570$1,912$1,401$1,013$724$479
28 years$2,452$1,802$1,302$928$654$424
29 years$2,342$1,700$1,212$851$590$376
30 years$2,239$1,605$1,129$781$533$333
31 years$2,143$1,517$1,052$717$482$295
32 years$2,054$1,436$982$659$436$262
33 years$1,970$1,360$917$606$395$232
34 years$1,891$1,289$857$558$357$206
35 years$1,817$1,222$801$513$324$183
36 years$1,747$1,160$749$473$293$163
37 years$1,681$1,102$701$436$266$144
38 years$1,619$1,047$657$402$241$128
39 years$1,560$996$615$370$218$114
40 years$1,504$947$577$342$198$101
41 years$1,451$902$541$315$180$90
42 years$1,400$859$507$291$163$80
43 years$1,353$818$476$268$148$71
44 years$1,307$780$447$248$134$63
45 years$1,264$744$419$229$122$56
46 years$1,222$710$394$211$111$50
47 years$1,183$677$370$195$101$44
48 years$1,145$646$348$180$91$40
49 years$1,109$617$327$167$83$35
50 years$1,074$590$307$154$75$31

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 $5,365 every year, while hoping to spend $36,443 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: 81/10/9 Blend
34$1,100,000$1,100,000$1,100,000$1,100,000
35$1,217,734$1,159,434$1,142,384$1,314,356
36$1,303,168$1,177,471$1,141,879$1,396,473
37$1,396,094$1,195,171$1,140,135$1,481,226
38$1,497,240$1,212,478$1,137,073$1,573,155
39$1,607,402$1,229,333$1,132,609$1,672,959
40$1,727,461$1,245,674$1,126,655$1,781,407
41$1,858,383$1,261,433$1,119,119$1,899,348
42$2,001,232$1,276,538$1,109,904$2,027,715
43$2,157,181$1,290,911$1,098,909$2,167,536
44$2,327,519$1,304,472$1,086,028$2,319,945
45$2,513,666$1,317,131$1,071,151$2,486,190
46$2,717,186$1,328,796$1,054,160$2,667,645
47$2,939,799$1,339,367$1,034,934$2,865,825
48$3,183,401$1,348,738$1,013,347$3,082,400
49$3,450,078$1,356,797$989,264$3,319,207
50$3,742,128$1,363,422$962,546$3,578,272
51$4,062,081$1,368,486$933,048$3,861,827
52$4,412,725$1,371,853$900,617$4,172,331
53$4,797,129$1,373,380$865,093$4,512,495
54$5,218,672$1,372,911$826,310$4,885,303
55$5,681,078$1,370,285$784,092$5,294,047
56$6,188,447$1,365,329$738,259$5,742,352
57$6,745,298$1,357,859$688,619$6,234,212
58$7,356,604$1,347,680$634,974$6,774,031
59$8,027,847$1,334,585$577,115$7,366,659
60$8,765,064$1,318,357$514,825$8,017,443
61$9,574,906$1,298,762$447,877$8,732,274
62$10,464,700$1,275,554$376,034$9,517,645
63$11,442,517$1,248,474$299,049$10,380,711
64$12,517,249$1,217,245$216,663$11,329,355
65$13,698,694$1,181,576$128,607$12,372,267
66$14,997,643$1,141,156$34,598$13,519,023
67$16,425,989$1,095,658$0$14,780,175
68$17,996,831$1,044,737$0$16,173,665
69$19,724,604$988,025$0$17,709,952
70$21,625,211$925,135$0$19,399,866
71$23,716,173$855,658$0$21,259,004
72$26,016,797$779,159$0$23,304,554
73$28,548,355$695,182$0$25,555,454
74$31,334,283$603,243$0$28,032,576
75$34,400,407$502,829$0$30,758,916
76$37,775,182$393,400$0$33,759,818
77$41,489,960$274,387$0$37,063,209
78$45,579,290$145,186$0$40,699,862
79$50,081,238$5,160$0$44,703,691
80$55,037,750$0$0$49,112,066
81$60,495,045$0$0$53,982,276
82$66,504,053$0$0$59,345,507
83$73,120,892$0$0$65,251,284
84$80,407,402$0$0$71,754,805
85$88,431,724$0$0$78,916,894
86$97,268,944$0$0$86,804,574
87$107,001,802$0$0$95,491,699
88$117,721,471$0$0$105,059,652
89$129,528,419$0$0$115,598,112
90$142,533,355$0$0$127,205,900
91$156,858,276$0$0$139,991,911
92$172,637,614$0$0$154,076,141
93$190,019,508$0$0$169,590,822
94$209,167,200$0$0$186,681,667
95$230,260,576$0$0$205,509,244
96$253,497,864$0$0$226,250,494
97$279,097,502$0$0$249,100,400
98$307,300,204$0$0$274,273,826
99$338,371,226$0$0$302,007,544
100$372,602,874$0$0$332,562,473