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%11.1%
1 years$91,663$90,846$90,050$89,272$88,513$88,103
2 years$45,378$44,532$43,713$42,919$42,149$41,735
3 years$29,951$29,102$28,285$27,499$26,741$26,336
4 years$22,240$21,393$20,585$19,811$19,072$18,679
5 years$17,614$16,773$15,974$15,217$14,498$14,119
6 years$14,531$13,696$12,910$12,169$11,472$11,106
7 years$12,330$11,502$10,728$10,005$9,330$8,978
8 years$10,680$9,859$9,098$8,393$7,740$7,402
9 years$9,397$8,584$7,836$7,149$6,518$6,194
10 years$8,371$7,567$6,832$6,162$5,554$5,243
11 years$7,533$6,736$6,015$5,363$4,776$4,480
12 years$6,834$6,046$5,338$4,704$4,139$3,856
13 years$6,244$5,464$4,769$4,153$3,609$3,339
14 years$5,738$4,966$4,285$3,687$3,164$2,906
15 years$5,300$4,537$3,869$3,288$2,786$2,540
16 years$4,918$4,163$3,508$2,944$2,462$2,229
17 years$4,580$3,834$3,192$2,645$2,183$1,961
18 years$4,281$3,542$2,914$2,384$1,941$1,731
19 years$4,013$3,283$2,667$2,154$1,730$1,531
20 years$3,773$3,051$2,448$1,951$1,545$1,357
21 years$3,555$2,842$2,252$1,770$1,383$1,204
22 years$3,358$2,653$2,075$1,610$1,240$1,071
23 years$3,178$2,481$1,916$1,466$1,113$953
24 years$3,013$2,324$1,772$1,337$1,000$850
25 years$2,862$2,181$1,641$1,221$900$758
26 years$2,722$2,050$1,522$1,117$811$677
27 years$2,593$1,929$1,414$1,022$731$606
28 years$2,474$1,818$1,314$936$660$542
29 years$2,363$1,715$1,223$859$596$485
30 years$2,259$1,620$1,139$788$538$434
31 years$2,163$1,531$1,062$724$486$389
32 years$2,073$1,449$991$665$440$349
33 years$1,988$1,372$925$612$398$313
34 years$1,908$1,300$864$563$361$281
35 years$1,833$1,233$808$518$327$252
36 years$1,763$1,171$756$477$296$226
37 years$1,696$1,112$708$440$268$203
38 years$1,633$1,057$663$405$243$182
39 years$1,574$1,005$621$374$220$164
40 years$1,518$956$582$345$200$147
41 years$1,464$910$546$318$181$132
42 years$1,413$867$512$293$165$119
43 years$1,365$826$480$271$149$107
44 years$1,319$787$451$250$136$96
45 years$1,275$751$423$231$123$86
46 years$1,233$716$398$213$112$78
47 years$1,193$683$373$197$102$70
48 years$1,155$652$351$182$92$63
49 years$1,119$623$330$168$84$57
50 years$1,084$595$310$156$76$51

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 $2,768 every year, while hoping to spend $43,296 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: 63/14/23 Blend
34$1,110,000$1,110,000$1,110,000$1,110,000
35$1,226,075$1,167,245$1,150,040$1,295,782
36$1,305,068$1,178,374$1,142,500$1,354,322
37$1,390,668$1,188,596$1,133,256$1,413,168
38$1,483,501$1,197,823$1,122,206$1,476,465
39$1,584,260$1,205,958$1,109,241$1,544,652
40$1,693,703$1,212,899$1,094,249$1,618,216
41$1,812,667$1,218,537$1,077,113$1,697,692
42$1,942,071$1,222,757$1,057,708$1,783,672
43$2,082,926$1,225,436$1,035,905$1,876,811
44$2,236,345$1,226,443$1,011,569$1,977,829
45$2,403,553$1,225,640$984,557$2,087,523
46$2,585,899$1,222,879$954,723$2,206,772
47$2,784,864$1,218,004$921,910$2,336,546
48$3,002,083$1,210,849$885,957$2,477,917
49$3,239,354$1,201,238$846,694$2,632,065
50$3,498,654$1,188,985$803,944$2,800,297
51$3,782,162$1,173,891$757,522$2,984,051
52$4,092,278$1,155,747$707,235$3,184,915
53$4,431,642$1,134,330$652,879$3,404,644
54$4,803,163$1,109,406$594,243$3,645,172
55$5,210,042$1,080,724$531,108$3,908,632
56$5,655,808$1,048,021$463,241$4,197,381
57$6,144,344$1,011,017$390,403$4,514,016
58$6,679,927$969,417$312,341$4,861,404
59$7,267,268$922,907$228,794$5,242,708
60$7,911,557$871,157$139,486$5,661,416
61$8,618,509$813,817$44,132$6,121,378
62$9,394,419$750,516$0$6,626,839
63$10,246,222$680,864$0$7,196,625
64$11,181,557$604,446$0$7,834,235
65$12,208,837$520,825$0$8,534,604
66$13,337,333$429,540$0$9,304,101
67$14,577,256$330,102$0$10,149,742
68$15,939,856$221,997$0$11,079,261
69$17,437,526$104,680$0$12,101,183
70$19,083,921$0$0$13,224,901
71$20,894,082$0$0$14,464,223
72$22,884,584$0$0$15,844,835
73$25,073,685$0$0$17,363,285
74$27,481,502$0$0$19,033,539
75$30,130,201$0$0$20,870,983
76$33,044,204$0$0$22,892,571
77$36,250,418$0$0$25,116,983
78$39,778,490$0$0$27,564,800
79$43,661,087$0$0$30,258,700
80$47,934,203$0$0$33,223,670
81$52,637,496$0$0$36,487,242
82$57,814,667$0$0$40,079,753
83$63,513,865$0$0$44,034,631
84$69,788,148$0$0$48,388,709
85$76,695,978$0$0$53,182,573
86$84,301,774$0$0$58,460,945
87$92,676,519$0$0$64,273,103
88$101,898,431$0$0$70,673,351
89$112,053,699$0$0$77,721,521
90$123,237,296$0$0$85,483,549
91$135,553,874$0$0$94,032,089
92$149,118,753$0$0$103,447,199
93$164,059,010$0$0$113,817,102
94$180,514,672$0$0$125,239,011
95$198,640,044$0$0$137,820,051
96$218,605,159$0$0$151,678,267
97$240,597,386$0$0$166,943,738
98$264,823,198$0$0$183,759,808
99$291,510,116$0$0$202,284,433
100$320,908,860$0$0$222,691,674