Can I retire at age 35 with 1,130,000?

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 $1,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$93,314$92,483$91,672$90,881$90,108$88,144
2 years$46,195$45,335$44,501$43,693$42,908$40,940
3 years$30,491$29,627$28,795$27,994$27,223$25,311
4 years$22,640$21,779$20,955$20,168$19,416$17,575
5 years$17,931$17,075$16,262$15,491$14,759$12,996
6 years$14,793$13,943$13,142$12,388$11,679$9,993
7 years$12,552$11,709$10,921$10,185$9,498$7,891
8 years$10,872$10,037$9,262$8,544$7,879$6,351
9 years$9,566$8,739$7,978$7,278$6,636$5,184
10 years$8,522$7,703$6,955$6,273$5,654$4,278
11 years$7,668$6,858$6,123$5,460$4,862$3,561
12 years$6,957$6,155$5,434$4,789$4,214$2,984
13 years$6,356$5,562$4,855$4,228$3,674$2,514
14 years$5,842$5,056$4,362$3,753$3,221$2,128
15 years$5,396$4,619$3,938$3,347$2,836$1,807
16 years$5,006$4,238$3,571$2,997$2,506$1,540
17 years$4,663$3,903$3,249$2,693$2,222$1,316
18 years$4,358$3,606$2,966$2,427$1,976$1,127
19 years$4,085$3,342$2,715$2,193$1,761$966
20 years$3,841$3,106$2,492$1,986$1,573$830
21 years$3,619$2,893$2,292$1,802$1,408$714
22 years$3,418$2,700$2,113$1,639$1,262$615
23 years$3,235$2,526$1,951$1,492$1,133$530
24 years$3,067$2,366$1,804$1,361$1,018$458
25 years$2,913$2,221$1,671$1,243$916$395
26 years$2,771$2,087$1,550$1,137$825$341
27 years$2,640$1,964$1,439$1,040$744$295
28 years$2,519$1,851$1,338$953$671$255
29 years$2,405$1,746$1,245$874$606$221
30 years$2,300$1,649$1,160$802$548$191
31 years$2,202$1,559$1,081$737$495$165
32 years$2,110$1,475$1,009$677$448$143
33 years$2,024$1,397$942$623$405$124
34 years$1,943$1,324$880$573$367$107
35 years$1,866$1,256$823$527$332$93
36 years$1,795$1,192$770$486$301$81
37 years$1,727$1,132$720$448$273$70
38 years$1,663$1,076$675$413$248$61
39 years$1,602$1,023$632$380$224$53
40 years$1,545$973$592$351$204$46
41 years$1,490$926$555$324$185$39
42 years$1,439$882$521$299$168$34
43 years$1,389$841$489$276$152$30
44 years$1,343$801$459$255$138$26
45 years$1,298$764$431$235$125$22
46 years$1,255$729$405$217$114$19
47 years$1,215$696$380$201$103$17
48 years$1,176$664$357$185$94$15
49 years$1,139$634$336$171$85$13
50 years$1,103$606$316$158$77$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,130,000, adding $3,522 every year, while hoping to spend $29,614 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: 76/12/12 Blend
34$1,130,000$1,130,000$1,130,000$1,130,000
35$1,248,893$1,189,003$1,171,488$1,340,615
36$1,344,771$1,215,755$1,179,224$1,428,314
37$1,449,436$1,242,825$1,186,226$1,520,336
38$1,563,753$1,270,198$1,192,439$1,620,384
39$1,688,674$1,297,857$1,197,805$1,729,248
40$1,825,248$1,325,781$1,202,260$1,847,794
41$1,974,629$1,353,950$1,205,742$1,976,979
42$2,138,088$1,382,340$1,208,180$2,117,857
43$2,317,024$1,410,926$1,209,506$2,271,587
44$2,512,979$1,439,679$1,209,642$2,439,447
45$2,727,648$1,468,569$1,208,511$2,622,844
46$2,962,902$1,497,563$1,206,029$2,823,331
47$3,220,798$1,526,623$1,202,112$3,042,615
48$3,503,604$1,555,712$1,196,667$3,282,578
49$3,813,816$1,584,786$1,189,599$3,545,296
50$4,154,184$1,613,799$1,180,809$3,833,053
51$4,527,737$1,642,702$1,170,193$4,148,367
52$4,937,812$1,671,441$1,157,641$4,494,012
53$5,388,085$1,699,957$1,143,038$4,873,046
54$5,882,604$1,728,189$1,126,263$5,288,836
55$6,425,829$1,756,070$1,107,193$5,745,094
56$7,022,674$1,783,528$1,085,694$6,245,910
57$7,678,551$1,810,486$1,061,630$6,795,791
58$8,399,425$1,836,861$1,034,856$7,399,703
59$9,191,864$1,862,564$1,005,221$8,063,118
60$10,063,106$1,887,502$972,568$8,792,067
61$11,021,125$1,911,572$936,731$9,593,196
62$12,074,707$1,934,667$897,539$10,473,827
63$13,233,532$1,956,670$854,812$11,442,031
64$14,508,264$1,977,458$808,359$12,506,700
65$15,910,653$1,996,900$757,985$13,677,636
66$17,453,645$2,014,854$703,484$14,965,637
67$19,151,507$2,031,171$644,640$16,382,607
68$21,019,954$2,045,693$581,230$17,941,659
69$23,076,306$2,058,248$513,017$19,657,249
70$25,339,643$2,068,656$439,757$21,545,306
71$27,830,991$2,076,725$361,194$23,623,381
72$30,573,519$2,082,250$277,060$25,910,821
73$33,592,752$2,085,015$187,076$28,428,943
74$36,916,821$2,084,789$90,951$31,201,240
75$40,576,719$2,081,326$0$34,253,603
76$44,606,600$2,074,367$0$37,616,054
77$49,044,097$2,063,635$0$41,331,070
78$53,930,679$2,048,837$0$45,421,688
79$59,312,041$2,029,663$0$49,926,139
80$65,238,536$2,005,782$0$54,886,552
81$71,765,648$1,976,847$0$60,349,355
82$78,954,518$1,942,486$0$66,365,705
83$86,872,519$1,902,309$0$72,991,981
84$95,593,892$1,855,898$0$80,290,307
85$105,200,448$1,802,815$0$88,329,146
86$115,782,335$1,742,595$0$97,183,942
87$127,438,895$1,674,744$0$106,937,832
88$140,279,597$1,598,742$0$117,682,433
89$154,425,072$1,514,036$0$129,518,706
90$170,008,250$1,420,044$0$142,557,909
91$187,175,614$1,316,148$0$156,922,648
92$206,088,584$1,201,698$0$172,748,032
93$226,925,041$1,076,002$0$190,182,952
94$249,881,002$938,333$0$209,391,486
95$275,172,474$787,921$0$230,554,446
96$303,037,490$623,952$0$253,871,087
97$333,738,356$445,568$0$279,560,988
98$367,564,128$251,861$0$307,866,124
99$404,833,340$41,873$0$339,053,152
100$445,897,008$0$0$373,415,929