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%16%
1 years$90,837$90,028$89,238$88,468$87,716$85,560
2 years$44,969$44,131$43,320$42,533$41,769$39,611
3 years$29,681$28,840$28,031$27,251$26,500$24,407
4 years$22,039$21,201$20,399$19,633$18,900$16,887
5 years$17,455$16,622$15,831$15,080$14,368$12,441
6 years$14,400$13,573$12,793$12,060$11,369$9,531
7 years$12,219$11,398$10,631$9,915$9,246$7,496
8 years$10,583$9,771$9,016$8,317$7,670$6,008
9 years$9,312$8,507$7,766$7,084$6,459$4,884
10 years$8,296$7,499$6,770$6,107$5,504$4,013
11 years$7,465$6,675$5,960$5,315$4,733$3,325
12 years$6,773$5,992$5,290$4,662$4,102$2,773
13 years$6,188$5,415$4,726$4,116$3,577$2,326
14 years$5,687$4,922$4,246$3,653$3,135$1,959
15 years$5,253$4,496$3,834$3,258$2,761$1,656
16 years$4,873$4,125$3,476$2,917$2,440$1,404
17 years$4,539$3,799$3,163$2,621$2,163$1,194
18 years$4,242$3,510$2,887$2,362$1,924$1,017
19 years$3,977$3,253$2,643$2,135$1,715$868
20 years$3,739$3,023$2,426$1,933$1,531$742
21 years$3,523$2,816$2,231$1,755$1,371$635
22 years$3,327$2,629$2,057$1,595$1,228$544
23 years$3,149$2,459$1,899$1,453$1,103$466
24 years$2,986$2,304$1,756$1,325$991$400
25 years$2,836$2,162$1,627$1,210$892$343
26 years$2,698$2,032$1,509$1,106$803$295
27 years$2,570$1,912$1,401$1,013$724$254
28 years$2,452$1,802$1,302$928$654$218
29 years$2,342$1,700$1,212$851$590$188
30 years$2,239$1,605$1,129$781$533$161
31 years$2,143$1,517$1,052$717$482$139
32 years$2,054$1,436$982$659$436$120
33 years$1,970$1,360$917$606$395$103
34 years$1,891$1,289$857$558$357$89
35 years$1,817$1,222$801$513$324$76
36 years$1,747$1,160$749$473$293$66
37 years$1,681$1,102$701$436$266$57
38 years$1,619$1,047$657$402$241$49
39 years$1,560$996$615$370$218$42
40 years$1,504$947$577$342$198$36
41 years$1,451$902$541$315$180$31
42 years$1,400$859$507$291$163$27
43 years$1,353$818$476$268$148$23
44 years$1,307$780$447$248$134$20
45 years$1,264$744$419$229$122$17
46 years$1,222$710$394$211$111$15
47 years$1,183$677$370$195$101$13
48 years$1,145$646$348$180$91$11
49 years$1,109$617$327$167$83$10
50 years$1,074$590$307$154$75$8

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 $3,786 every year, while hoping to spend $30,388 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: 32/40/28 Blend
34$1,100,000$1,100,000$1,100,000$1,100,000
35$1,216,105$1,157,805$1,140,755$1,244,534
36$1,307,815$1,182,205$1,146,638$1,291,048
37$1,407,861$1,206,782$1,151,699$1,338,168
38$1,517,062$1,231,513$1,155,880$1,388,328
39$1,636,317$1,256,372$1,159,116$1,441,816
40$1,766,618$1,281,331$1,161,344$1,498,952
41$1,909,057$1,306,360$1,162,493$1,560,087
42$2,064,835$1,331,426$1,162,491$1,625,611
43$2,235,276$1,356,494$1,161,262$1,695,954
44$2,421,837$1,381,525$1,158,727$1,771,590
45$2,626,122$1,406,476$1,154,801$1,853,043
46$2,849,897$1,431,304$1,149,398$1,940,892
47$3,095,108$1,455,960$1,142,424$2,035,777
48$3,363,898$1,480,392$1,133,785$2,138,403
49$3,658,628$1,504,543$1,123,378$2,249,549
50$3,981,895$1,528,353$1,111,099$2,370,078
51$4,336,564$1,551,757$1,096,836$2,500,938
52$4,725,787$1,574,687$1,080,473$2,643,180
53$5,153,037$1,597,067$1,061,890$2,797,962
54$5,622,142$1,618,818$1,040,958$2,966,563
55$6,137,316$1,639,855$1,017,545$3,150,395
56$6,703,201$1,660,087$991,512$3,351,018
57$7,324,913$1,679,417$962,713$3,570,152
58$8,008,086$1,697,740$930,996$3,809,697
59$8,758,928$1,714,946$896,201$4,071,748
60$9,584,277$1,730,917$858,162$4,358,621
61$10,491,668$1,745,526$816,705$4,672,869
62$11,489,401$1,758,640$771,648$5,017,309
63$12,586,621$1,770,115$722,800$5,395,053
64$13,793,406$1,779,800$669,963$5,809,532
65$15,120,855$1,787,532$612,928$6,264,533
66$16,581,200$1,793,139$551,479$6,764,234
67$18,187,918$1,796,439$485,390$7,313,246
68$19,955,858$1,797,236$414,422$7,916,655
69$21,901,380$1,795,325$338,330$8,580,071
70$24,042,510$1,790,486$256,854$9,309,686
71$26,399,113$1,782,486$169,725$10,112,329
72$28,993,073$1,771,079$76,662$10,995,532
73$31,848,507$1,756,002$0$11,967,604
74$34,991,987$1,736,978$0$13,044,480
75$38,452,792$1,713,712$0$14,254,382
76$42,263,185$1,685,892$0$15,585,628
77$46,458,716$1,653,188$0$17,050,616
78$51,078,560$1,615,249$0$18,663,011
79$56,165,880$1,571,703$0$20,437,878
80$61,768,243$1,522,160$0$22,391,827
81$67,938,060$1,466,202$0$24,543,163
82$74,733,086$1,403,390$0$26,912,069
83$82,216,963$1,333,258$0$29,520,790
84$90,459,821$1,255,315$0$32,393,850
85$99,538,937$1,169,040$0$35,558,280
86$109,539,467$1,073,882$0$39,043,878
87$120,555,250$969,259$0$42,883,491
88$132,689,689$854,556$0$47,113,322
89$146,056,732$729,124$0$51,773,281
90$160,781,943$592,276$0$56,907,358
91$177,003,690$443,286$0$62,564,040
92$194,874,447$281,388$0$68,796,774
93$214,562,238$105,773$0$75,664,471
94$236,252,217$0$0$83,232,065
95$260,148,420$0$0$91,608,281
96$286,475,687$0$0$100,888,219
97$315,481,788$0$0$111,112,691
98$347,439,757$0$0$122,377,977
99$382,650,472$0$0$134,790,173
100$421,445,493$0$0$148,466,198