Can I retire at age 35 with 1,110,000?

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 $1,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$91,663$90,846$90,050$89,272$88,513$86,233
2 years$45,378$44,532$43,713$42,919$42,149$39,867
3 years$29,951$29,102$28,285$27,499$26,741$24,529
4 years$22,240$21,393$20,585$19,811$19,072$16,946
5 years$17,614$16,773$15,974$15,217$14,498$12,465
6 years$14,531$13,696$12,910$12,169$11,472$9,533
7 years$12,330$11,502$10,728$10,005$9,330$7,485
8 years$10,680$9,859$9,098$8,393$7,740$5,989
9 years$9,397$8,584$7,836$7,149$6,518$4,860
10 years$8,371$7,567$6,832$6,162$5,554$3,985
11 years$7,533$6,736$6,015$5,363$4,776$3,296
12 years$6,834$6,046$5,338$4,704$4,139$2,744
13 years$6,244$5,464$4,769$4,153$3,609$2,296
14 years$5,738$4,966$4,285$3,687$3,164$1,930
15 years$5,300$4,537$3,869$3,288$2,786$1,628
16 years$4,918$4,163$3,508$2,944$2,462$1,378
17 years$4,580$3,834$3,192$2,645$2,183$1,169
18 years$4,281$3,542$2,914$2,384$1,941$993
19 years$4,013$3,283$2,667$2,154$1,730$846
20 years$3,773$3,051$2,448$1,951$1,545$721
21 years$3,555$2,842$2,252$1,770$1,383$616
22 years$3,358$2,653$2,075$1,610$1,240$526
23 years$3,178$2,481$1,916$1,466$1,113$450
24 years$3,013$2,324$1,772$1,337$1,000$385
25 years$2,862$2,181$1,641$1,221$900$330
26 years$2,722$2,050$1,522$1,117$811$283
27 years$2,593$1,929$1,414$1,022$731$242
28 years$2,474$1,818$1,314$936$660$208
29 years$2,363$1,715$1,223$859$596$178
30 years$2,259$1,620$1,139$788$538$153
31 years$2,163$1,531$1,062$724$486$132
32 years$2,073$1,449$991$665$440$113
33 years$1,988$1,372$925$612$398$97
34 years$1,908$1,300$864$563$361$83
35 years$1,833$1,233$808$518$327$72
36 years$1,763$1,171$756$477$296$62
37 years$1,696$1,112$708$440$268$53
38 years$1,633$1,057$663$405$243$45
39 years$1,574$1,005$621$374$220$39
40 years$1,518$956$582$345$200$34
41 years$1,464$910$546$318$181$29
42 years$1,413$867$512$293$165$25
43 years$1,365$826$480$271$149$21
44 years$1,319$787$451$250$136$18
45 years$1,275$751$423$231$123$16
46 years$1,233$716$398$213$112$14
47 years$1,193$683$373$197$102$12
48 years$1,155$652$351$182$92$10
49 years$1,119$623$330$168$84$9
50 years$1,084$595$310$156$76$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,110,000, adding $3,552 every year, while hoping to spend $42,134 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: 73/9/18 Blend
34$1,110,000$1,110,000$1,110,000$1,110,000
35$1,226,884$1,168,054$1,150,849$1,311,036
36$1,307,196$1,180,458$1,144,572$1,379,765
37$1,394,287$1,192,058$1,136,673$1,449,572
38$1,488,806$1,202,770$1,127,052$1,524,953
39$1,591,462$1,212,504$1,115,607$1,606,454
40$1,703,040$1,221,166$1,102,228$1,694,674
41$1,824,400$1,228,653$1,086,803$1,790,276
42$1,956,490$1,234,858$1,069,212$1,893,991
43$2,100,352$1,239,666$1,049,330$2,006,622
44$2,257,133$1,242,954$1,027,028$2,129,056
45$2,428,096$1,244,595$1,002,169$2,262,273
46$2,614,630$1,244,449$974,611$2,407,351
47$2,818,266$1,242,370$944,203$2,565,478
48$3,040,686$1,238,203$910,791$2,737,965
49$3,283,744$1,231,783$874,210$2,926,258
50$3,549,480$1,222,934$834,291$3,131,951
51$3,840,141$1,211,473$790,854$3,356,799
52$4,158,202$1,197,201$743,714$3,602,739
53$4,506,385$1,179,910$692,675$3,871,908
54$4,887,690$1,159,380$637,533$4,166,660
55$5,305,420$1,135,375$578,076$4,489,590
56$5,763,214$1,107,649$514,082$4,843,560
57$6,265,076$1,075,938$445,319$5,231,725
58$6,815,420$1,039,965$371,543$5,657,564
59$7,419,105$999,436$292,502$6,124,911
60$8,081,484$954,038$207,931$6,637,994
61$8,808,453$903,444$117,554$7,201,475
62$9,606,506$847,304$21,083$7,820,491
63$10,482,798$785,250$0$8,500,707
64$11,445,209$716,893$0$9,264,091
65$12,502,422$641,822$0$10,107,148
66$13,663,998$559,601$0$11,033,476
67$14,940,474$469,770$0$12,051,507
68$16,343,458$371,844$0$13,170,533
69$17,885,737$265,310$0$14,400,791
70$19,581,398$149,626$0$15,753,563
71$21,445,962$24,220$0$17,241,282
72$23,496,532$0$0$18,877,645
73$25,751,946$0$0$20,688,794
74$28,232,964$0$0$22,683,804
75$30,962,457$0$0$24,878,674
76$33,965,624$0$0$27,293,677
77$37,270,232$0$0$29,951,147
78$40,906,873$0$0$32,875,695
79$44,909,257$0$0$36,094,436
80$49,314,526$0$0$39,637,251
81$54,163,604$0$0$43,537,060
82$59,501,587$0$0$47,830,138
83$65,378,162$0$0$52,556,458
84$71,848,082$0$0$57,760,064
85$78,971,677$0$0$63,489,487
86$86,815,423$0$0$69,798,205
87$95,452,573$0$0$76,745,145
88$104,963,845$0$0$84,395,239
89$115,438,182$0$0$92,820,040
90$126,973,595$0$0$102,098,389
91$139,678,083$0$0$112,317,167
92$153,670,653$0$0$123,572,110
93$169,082,446$0$0$135,968,713
94$186,057,969$0$0$149,623,225
95$204,756,463$0$0$164,663,747
96$225,353,402$0$0$181,231,439
97$248,042,149$0$0$199,481,854
98$273,035,784$0$0$219,586,402
99$300,569,110$0$0$241,733,972
100$330,900,870$0$0$266,132,711