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

Use the below retirement simulation to view the chances of a successful retirement.
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%17.5%
1 years$91,663$90,846$90,050$89,272$88,513$85,817
2 years$45,378$44,532$43,713$42,919$42,149$39,456
3 years$29,951$29,102$28,285$27,499$26,741$24,136
4 years$22,240$21,393$20,585$19,811$19,072$16,574
5 years$17,614$16,773$15,974$15,217$14,498$12,114
6 years$14,531$13,696$12,910$12,169$11,472$9,204
7 years$12,330$11,502$10,728$10,005$9,330$7,178
8 years$10,680$9,859$9,098$8,393$7,740$5,703
9 years$9,397$8,584$7,836$7,149$6,518$4,594
10 years$8,371$7,567$6,832$6,162$5,554$3,739
11 years$7,533$6,736$6,015$5,363$4,776$3,069
12 years$6,834$6,046$5,338$4,704$4,139$2,534
13 years$6,244$5,464$4,769$4,153$3,609$2,104
14 years$5,738$4,966$4,285$3,687$3,164$1,754
15 years$5,300$4,537$3,869$3,288$2,786$1,467
16 years$4,918$4,163$3,508$2,944$2,462$1,231
17 years$4,580$3,834$3,192$2,645$2,183$1,035
18 years$4,281$3,542$2,914$2,384$1,941$872
19 years$4,013$3,283$2,667$2,154$1,730$736
20 years$3,773$3,051$2,448$1,951$1,545$622
21 years$3,555$2,842$2,252$1,770$1,383$526
22 years$3,358$2,653$2,075$1,610$1,240$445
23 years$3,178$2,481$1,916$1,466$1,113$377
24 years$3,013$2,324$1,772$1,337$1,000$320
25 years$2,862$2,181$1,641$1,221$900$271
26 years$2,722$2,050$1,522$1,117$811$230
27 years$2,593$1,929$1,414$1,022$731$196
28 years$2,474$1,818$1,314$936$660$166
29 years$2,363$1,715$1,223$859$596$141
30 years$2,259$1,620$1,139$788$538$120
31 years$2,163$1,531$1,062$724$486$102
32 years$2,073$1,449$991$665$440$87
33 years$1,988$1,372$925$612$398$74
34 years$1,908$1,300$864$563$361$63
35 years$1,833$1,233$808$518$327$53
36 years$1,763$1,171$756$477$296$45
37 years$1,696$1,112$708$440$268$39
38 years$1,633$1,057$663$405$243$33
39 years$1,574$1,005$621$374$220$28
40 years$1,518$956$582$345$200$24
41 years$1,464$910$546$318$181$20
42 years$1,413$867$512$293$165$17
43 years$1,365$826$480$271$149$15
44 years$1,319$787$451$250$136$12
45 years$1,275$751$423$231$123$11
46 years$1,233$716$398$213$112$9
47 years$1,193$683$373$197$102$8
48 years$1,155$652$351$182$92$7
49 years$1,119$623$330$168$84$6
50 years$1,084$595$310$156$76$5

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 $5,649 every year, while hoping to spend $20,251 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: 48/22/30 Blend
34$1,110,000$1,110,000$1,110,000$1,110,000
35$1,229,047$1,170,217$1,153,012$1,277,264
36$1,332,863$1,206,011$1,170,091$1,347,645
37$1,446,589$1,242,880$1,187,063$1,421,620
38$1,571,216$1,280,855$1,203,904$1,501,576
39$1,707,832$1,319,969$1,220,587$1,588,090
40$1,857,638$1,360,255$1,237,084$1,681,796
41$2,021,956$1,401,746$1,253,365$1,783,390
42$2,202,241$1,444,478$1,269,399$1,893,643
43$2,400,099$1,488,486$1,285,153$2,013,399
44$2,617,294$1,533,807$1,300,591$2,143,591
45$2,855,773$1,580,479$1,315,676$2,285,246
46$3,117,681$1,628,541$1,330,369$2,439,495
47$3,405,377$1,678,032$1,344,630$2,607,582
48$3,721,463$1,728,994$1,358,413$2,790,880
49$4,068,806$1,781,468$1,371,673$2,990,900
50$4,450,562$1,835,497$1,384,361$3,209,308
51$4,870,209$1,891,126$1,396,427$3,447,937
52$5,331,579$1,948,400$1,407,817$3,708,807
53$5,838,894$2,007,366$1,418,473$3,994,147
54$6,396,806$2,068,072$1,428,336$4,306,407
55$7,010,438$2,130,565$1,437,343$4,648,292
56$7,685,437$2,194,897$1,445,429$5,022,779
57$8,428,025$2,261,120$1,452,523$5,433,148
58$9,245,054$2,329,286$1,458,553$5,883,016
59$10,144,077$2,399,448$1,463,443$6,376,365
60$11,133,416$2,471,664$1,467,111$6,917,585
61$12,222,238$2,545,990$1,469,473$7,511,514
62$13,420,647$2,622,483$1,470,441$8,163,480
63$14,739,773$2,701,205$1,469,921$8,879,357
64$16,191,882$2,782,216$1,467,815$9,665,617
65$17,790,488$2,865,579$1,464,021$10,529,391
66$19,550,484$2,951,359$1,458,432$11,478,538
67$21,488,279$3,039,621$1,450,935$12,521,719
68$23,621,953$3,130,432$1,441,411$13,668,476
69$25,971,431$3,223,862$1,429,737$14,929,326
70$28,558,667$3,319,982$1,415,784$16,315,858
71$31,407,853$3,418,863$1,399,414$17,840,844
72$34,545,646$3,520,579$1,380,487$19,518,357
73$38,001,421$3,625,207$1,358,852$21,363,907
74$41,807,547$3,732,823$1,334,355$23,394,584
75$45,999,693$3,843,507$1,306,831$25,629,225
76$50,617,162$3,957,339$1,276,110$28,088,586
77$55,703,266$4,074,402$1,242,014$30,795,539
78$61,305,732$4,194,781$1,204,354$33,775,293
79$67,477,153$4,318,561$1,162,936$37,055,627
80$74,275,483$4,445,831$1,117,555$40,667,152
81$81,764,586$4,576,680$1,067,997$44,643,605
82$90,014,837$4,711,201$1,014,038$49,022,164
83$99,103,787$4,849,487$955,445$53,843,799
84$109,116,894$4,991,632$891,973$59,153,661
85$120,148,330$5,137,736$823,368$65,001,506
86$132,301,871$5,287,896$749,362$71,442,168
87$145,691,873$5,442,214$669,676$78,536,074
88$160,444,354$5,600,792$584,021$86,349,816
89$176,698,184$5,763,736$492,091$94,956,780
90$194,606,392$5,931,153$393,569$104,437,841
91$214,337,614$6,103,150$288,124$114,882,121
92$236,077,684$6,279,838$175,410$126,387,838
93$260,031,387$6,461,329$55,065$139,063,230
94$286,424,392$6,647,737$0$153,027,575
95$315,505,382$6,839,178$0$168,435,806
96$347,548,402$7,035,769$0$185,429,635
97$382,855,447$7,237,630$0$204,151,186
98$421,759,310$7,444,881$0$224,776,521
99$464,626,723$7,657,644$0$247,499,654
100$511,861,824$7,876,043$0$272,534,385