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%18.3%
1 years$90,837$90,028$89,238$88,468$87,716$84,772
2 years$44,969$44,131$43,320$42,533$41,769$38,833
3 years$29,681$28,840$28,031$27,251$26,500$23,663
4 years$22,039$21,201$20,399$19,633$18,900$16,184
5 years$17,455$16,622$15,831$15,080$14,368$11,779
6 years$14,400$13,573$12,793$12,060$11,369$8,911
7 years$12,219$11,398$10,631$9,915$9,246$6,918
8 years$10,583$9,771$9,016$8,317$7,670$5,470
9 years$9,312$8,507$7,766$7,084$6,459$4,385
10 years$8,296$7,499$6,770$6,107$5,504$3,551
11 years$7,465$6,675$5,960$5,315$4,733$2,899
12 years$6,773$5,992$5,290$4,662$4,102$2,382
13 years$6,188$5,415$4,726$4,116$3,577$1,967
14 years$5,687$4,922$4,246$3,653$3,135$1,630
15 years$5,253$4,496$3,834$3,258$2,761$1,356
16 years$4,873$4,125$3,476$2,917$2,440$1,131
17 years$4,539$3,799$3,163$2,621$2,163$945
18 years$4,242$3,510$2,887$2,362$1,924$792
19 years$3,977$3,253$2,643$2,135$1,715$664
20 years$3,739$3,023$2,426$1,933$1,531$558
21 years$3,523$2,816$2,231$1,755$1,371$469
22 years$3,327$2,629$2,057$1,595$1,228$394
23 years$3,149$2,459$1,899$1,453$1,103$332
24 years$2,986$2,304$1,756$1,325$991$280
25 years$2,836$2,162$1,627$1,210$892$236
26 years$2,698$2,032$1,509$1,106$803$199
27 years$2,570$1,912$1,401$1,013$724$168
28 years$2,452$1,802$1,302$928$654$142
29 years$2,342$1,700$1,212$851$590$120
30 years$2,239$1,605$1,129$781$533$101
31 years$2,143$1,517$1,052$717$482$85
32 years$2,054$1,436$982$659$436$72
33 years$1,970$1,360$917$606$395$61
34 years$1,891$1,289$857$558$357$51
35 years$1,817$1,222$801$513$324$43
36 years$1,747$1,160$749$473$293$37
37 years$1,681$1,102$701$436$266$31
38 years$1,619$1,047$657$402$241$26
39 years$1,560$996$615$370$218$22
40 years$1,504$947$577$342$198$19
41 years$1,451$902$541$315$180$16
42 years$1,400$859$507$291$163$13
43 years$1,353$818$476$268$148$11
44 years$1,307$780$447$248$134$10
45 years$1,264$744$419$229$122$8
46 years$1,222$710$394$211$111$7
47 years$1,183$677$370$195$101$6
48 years$1,145$646$348$180$91$5
49 years$1,109$617$327$167$83$4
50 years$1,074$590$307$154$75$3

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 $3,506 every year, while hoping to spend $31,847 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: 52/34/14 Blend
34$1,100,000$1,100,000$1,100,000$1,100,000
35$1,215,816$1,157,516$1,140,466$1,274,296
36$1,305,945$1,180,350$1,144,787$1,337,502
37$1,404,199$1,203,235$1,148,185$1,402,539
38$1,511,374$1,226,140$1,150,596$1,472,554
39$1,628,345$1,249,032$1,151,952$1,548,029
40$1,756,076$1,271,874$1,152,182$1,629,491
41$1,895,626$1,294,627$1,151,211$1,717,524
42$2,048,165$1,317,248$1,148,961$1,812,770
43$2,214,977$1,339,692$1,145,351$1,915,938
44$2,397,478$1,361,910$1,140,293$2,027,809
45$2,597,225$1,383,849$1,133,698$2,149,244
46$2,815,936$1,405,451$1,125,470$2,281,194
47$3,055,500$1,426,657$1,115,512$2,424,704
48$3,317,998$1,447,400$1,103,719$2,580,930
49$3,605,722$1,467,611$1,089,982$2,751,143
50$3,921,197$1,487,215$1,074,187$2,936,748
51$4,267,202$1,506,132$1,056,216$3,139,292
52$4,646,801$1,524,276$1,035,943$3,360,482
53$5,063,365$1,541,556$1,013,237$3,602,198
54$5,520,610$1,557,874$987,963$3,866,515
55$6,022,629$1,573,127$959,976$4,155,722
56$6,573,930$1,587,203$929,128$4,472,339
57$7,179,478$1,599,983$895,262$4,819,148
58$7,844,746$1,611,343$858,214$5,199,217
59$8,575,759$1,621,148$817,813$5,615,925
60$9,379,157$1,629,255$773,880$6,073,001
61$10,262,254$1,635,512$726,229$6,574,555
62$11,233,110$1,639,758$674,663$7,125,120
63$12,300,603$1,641,821$618,980$7,729,693
64$13,474,514$1,641,520$558,965$8,393,784
65$14,765,620$1,638,660$494,396$9,123,466
66$16,185,795$1,633,037$425,041$9,925,438
67$17,748,122$1,624,431$350,655$10,807,083
68$19,467,015$1,612,612$270,986$11,776,542
69$21,358,354$1,597,335$185,768$12,842,790
70$23,439,641$1,578,338$94,726$14,015,723
71$25,730,154$1,555,347$0$15,306,249
72$28,251,140$1,528,069$0$16,726,759
73$31,026,006$1,496,194$0$18,305,270
74$34,080,545$1,459,395$0$20,042,282
75$37,443,180$1,417,324$0$21,953,958
76$41,145,225$1,369,613$0$24,058,110
77$45,221,188$1,315,875$0$26,374,374
78$49,709,093$1,255,696$0$28,924,392
79$54,650,837$1,188,642$0$31,732,017
80$60,092,589$1,114,252$0$34,823,542
81$66,085,222$1,032,039$0$38,227,945
82$72,684,793$941,488$0$41,977,164
83$79,953,076$842,054$0$46,106,404
84$87,958,138$733,163$0$50,654,466
85$96,774,987$614,207$0$55,664,113
86$106,486,275$484,543$0$61,182,481
87$117,183,082$343,493$0$67,261,519
88$128,965,773$190,340$0$73,958,484
89$141,944,944$24,329$0$81,336,482
90$156,242,467$0$0$89,465,065
91$171,992,640$0$0$98,479,010
92$189,343,455$0$0$108,419,211
93$208,457,990$0$0$119,370,017
94$229,515,956$0$0$131,434,404
95$252,715,385$0$0$144,725,851
96$278,274,502$0$0$159,369,407
97$306,433,787$0$0$175,502,874
98$337,458,241$0$0$193,278,104
99$371,639,888$0$0$212,862,438
100$409,300,531$0$0$234,440,277