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%14.8%
1 years$91,663$90,846$90,050$89,272$88,513$86,761
2 years$45,378$44,532$43,713$42,919$42,149$40,392
3 years$29,951$29,102$28,285$27,499$26,741$25,033
4 years$22,240$21,393$20,585$19,811$19,072$17,426
5 years$17,614$16,773$15,974$15,217$14,498$12,919
6 years$14,531$13,696$12,910$12,169$11,472$9,962
7 years$12,330$11,502$10,728$10,005$9,330$7,888
8 years$10,680$9,859$9,098$8,393$7,740$6,367
9 years$9,397$8,584$7,836$7,149$6,518$5,213
10 years$8,371$7,567$6,832$6,162$5,554$4,315
11 years$7,533$6,736$6,015$5,363$4,776$3,603
12 years$6,834$6,046$5,338$4,704$4,139$3,029
13 years$6,244$5,464$4,769$4,153$3,609$2,560
14 years$5,738$4,966$4,285$3,687$3,164$2,174
15 years$5,300$4,537$3,869$3,288$2,786$1,854
16 years$4,918$4,163$3,508$2,944$2,462$1,585
17 years$4,580$3,834$3,192$2,645$2,183$1,359
18 years$4,281$3,542$2,914$2,384$1,941$1,168
19 years$4,013$3,283$2,667$2,154$1,730$1,006
20 years$3,773$3,051$2,448$1,951$1,545$867
21 years$3,555$2,842$2,252$1,770$1,383$749
22 years$3,358$2,653$2,075$1,610$1,240$647
23 years$3,178$2,481$1,916$1,466$1,113$560
24 years$3,013$2,324$1,772$1,337$1,000$485
25 years$2,862$2,181$1,641$1,221$900$421
26 years$2,722$2,050$1,522$1,117$811$365
27 years$2,593$1,929$1,414$1,022$731$317
28 years$2,474$1,818$1,314$936$660$275
29 years$2,363$1,715$1,223$859$596$239
30 years$2,259$1,620$1,139$788$538$208
31 years$2,163$1,531$1,062$724$486$180
32 years$2,073$1,449$991$665$440$157
33 years$1,988$1,372$925$612$398$136
34 years$1,908$1,300$864$563$361$119
35 years$1,833$1,233$808$518$327$103
36 years$1,763$1,171$756$477$296$90
37 years$1,696$1,112$708$440$268$78
38 years$1,633$1,057$663$405$243$68
39 years$1,574$1,005$621$374$220$59
40 years$1,518$956$582$345$200$52
41 years$1,464$910$546$318$181$45
42 years$1,413$867$512$293$165$39
43 years$1,365$826$480$271$149$34
44 years$1,319$787$451$250$136$30
45 years$1,275$751$423$231$123$26
46 years$1,233$716$398$213$112$22
47 years$1,193$683$373$197$102$20
48 years$1,155$652$351$182$92$17
49 years$1,119$623$330$168$84$15
50 years$1,084$595$310$156$76$13

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 $6,811 every year, while hoping to spend $30,594 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: 39/35/26 Blend
34$1,110,000$1,110,000$1,110,000$1,110,000
35$1,230,246$1,171,416$1,154,211$1,268,507
36$1,323,179$1,196,263$1,160,325$1,321,811
37$1,424,566$1,221,303$1,165,619$1,376,069
38$1,535,237$1,246,512$1,170,032$1,434,144
39$1,656,105$1,271,865$1,173,502$1,496,403
40$1,788,177$1,297,335$1,175,963$1,563,251
41$1,932,559$1,322,893$1,177,346$1,635,135
42$2,090,470$1,348,505$1,177,578$1,712,547
43$2,263,254$1,374,137$1,176,582$1,796,030
44$2,452,387$1,399,752$1,174,279$1,886,185
45$2,659,498$1,425,307$1,170,585$1,983,673
46$2,886,379$1,450,759$1,165,411$2,089,225
47$3,135,003$1,476,059$1,158,666$2,203,647
48$3,407,544$1,501,158$1,150,253$2,327,829
49$3,706,398$1,525,998$1,140,070$2,462,752
50$4,034,199$1,550,521$1,128,011$2,609,498
51$4,393,854$1,574,663$1,113,966$2,769,264
52$4,788,560$1,598,355$1,097,817$2,943,367
53$5,221,843$1,621,523$1,079,443$3,133,263
54$5,697,582$1,644,090$1,058,717$3,340,556
55$6,220,056$1,665,970$1,035,504$3,567,019
56$6,793,973$1,687,074$1,009,665$3,814,603
57$7,424,523$1,707,306$981,053$4,085,466
58$8,117,423$1,726,562$949,517$4,381,985
59$8,878,970$1,744,733$914,895$4,706,784
60$9,716,102$1,761,702$877,021$5,062,757
61$10,636,462$1,777,344$835,720$5,453,097
62$11,648,474$1,791,526$790,809$5,881,324
63$12,761,413$1,804,106$742,096$6,351,323
64$13,985,504$1,814,934$689,383$6,867,379
65$15,332,009$1,823,849$632,460$7,434,217
66$16,813,336$1,830,680$571,110$8,057,050
67$18,443,159$1,835,246$505,105$8,741,626
68$20,236,541$1,837,353$434,206$9,494,285
69$22,210,083$1,836,798$358,167$10,322,019
70$24,382,072$1,833,362$276,726$11,232,538
71$26,772,661$1,826,814$189,614$12,234,347
72$29,404,054$1,816,910$96,548$13,336,822
73$32,300,718$1,803,388$0$14,550,304
74$35,489,611$1,785,974$0$15,886,964
75$39,000,438$1,764,374$0$17,387,241
76$42,865,933$1,738,279$0$19,038,274
77$47,122,164$1,707,359$0$20,855,445
78$51,808,872$1,671,268$0$22,855,705
79$56,969,853$1,629,636$0$25,057,740
80$62,653,363$1,582,073$0$27,482,146
81$68,912,578$1,528,166$0$30,151,624
82$75,806,092$1,467,477$0$33,091,197
83$83,398,474$1,399,545$0$36,328,442
84$91,760,874$1,323,878$0$39,893,759
85$100,971,696$1,239,961$0$43,820,653
86$111,117,334$1,147,244$0$48,146,053
87$122,292,993$1,045,150$0$52,910,662
88$134,603,583$933,067$0$58,159,343
89$148,164,709$810,348$0$63,941,543
90$163,103,764$676,309$0$70,311,760
91$179,561,129$530,230$0$77,330,062
92$197,691,501$371,348$0$85,062,653
93$217,665,347$198,857$0$93,582,500
94$239,670,519$11,907$0$102,970,025
95$263,914,022$0$0$113,313,863
96$290,623,972$0$0$124,785,035
97$320,051,744$0$0$137,428,744
98$352,474,349$0$0$151,359,453
99$388,197,046$0$0$166,708,354
100$427,556,222$0$0$183,620,016