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%15.1%
1 years$93,314$92,483$91,672$90,881$90,108$88,216
2 years$46,195$45,335$44,501$43,693$42,908$41,012
3 years$30,491$29,627$28,795$27,994$27,223$25,380
4 years$22,640$21,779$20,955$20,168$19,416$17,641
5 years$17,931$17,075$16,262$15,491$14,759$13,058
6 years$14,793$13,943$13,142$12,388$11,679$10,052
7 years$12,552$11,709$10,921$10,185$9,498$7,947
8 years$10,872$10,037$9,262$8,544$7,879$6,403
9 years$9,566$8,739$7,978$7,278$6,636$5,233
10 years$8,522$7,703$6,955$6,273$5,654$4,324
11 years$7,668$6,858$6,123$5,460$4,862$3,603
12 years$6,957$6,155$5,434$4,789$4,214$3,023
13 years$6,356$5,562$4,855$4,228$3,674$2,551
14 years$5,842$5,056$4,362$3,753$3,221$2,162
15 years$5,396$4,619$3,938$3,347$2,836$1,839
16 years$5,006$4,238$3,571$2,997$2,506$1,569
17 years$4,663$3,903$3,249$2,693$2,222$1,343
18 years$4,358$3,606$2,966$2,427$1,976$1,151
19 years$4,085$3,342$2,715$2,193$1,761$989
20 years$3,841$3,106$2,492$1,986$1,573$851
21 years$3,619$2,893$2,292$1,802$1,408$733
22 years$3,418$2,700$2,113$1,639$1,262$632
23 years$3,235$2,526$1,951$1,492$1,133$546
24 years$3,067$2,366$1,804$1,361$1,018$472
25 years$2,913$2,221$1,671$1,243$916$408
26 years$2,771$2,087$1,550$1,137$825$353
27 years$2,640$1,964$1,439$1,040$744$306
28 years$2,519$1,851$1,338$953$671$265
29 years$2,405$1,746$1,245$874$606$229
30 years$2,300$1,649$1,160$802$548$199
31 years$2,202$1,559$1,081$737$495$172
32 years$2,110$1,475$1,009$677$448$150
33 years$2,024$1,397$942$623$405$130
34 years$1,943$1,324$880$573$367$113
35 years$1,866$1,256$823$527$332$98
36 years$1,795$1,192$770$486$301$85
37 years$1,727$1,132$720$448$273$74
38 years$1,663$1,076$675$413$248$64
39 years$1,602$1,023$632$380$224$56
40 years$1,545$973$592$351$204$48
41 years$1,490$926$555$324$185$42
42 years$1,439$882$521$299$168$36
43 years$1,389$841$489$276$152$32
44 years$1,343$801$459$255$138$27
45 years$1,298$764$431$235$125$24
46 years$1,255$729$405$217$114$21
47 years$1,215$696$380$201$103$18
48 years$1,176$664$357$185$94$16
49 years$1,139$634$336$171$85$14
50 years$1,103$606$316$158$77$12

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 $2,801 every year, while hoping to spend $37,062 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: 72/13/15 Blend
34$1,130,000$1,130,000$1,130,000$1,130,000
35$1,248,149$1,188,259$1,170,744$1,333,624
36$1,336,027$1,207,050$1,170,530$1,409,469
37$1,431,626$1,225,520$1,169,067$1,487,719
38$1,535,694$1,243,613$1,166,274$1,572,434
39$1,649,056$1,261,271$1,162,065$1,664,248
40$1,772,618$1,278,432$1,156,353$1,763,857
41$1,907,377$1,295,027$1,149,042$1,872,029
42$2,054,430$1,310,984$1,140,036$1,989,610
43$2,214,987$1,326,227$1,129,232$2,117,533
44$2,390,378$1,340,674$1,116,523$2,256,825
45$2,582,066$1,354,237$1,101,797$2,408,620
46$2,791,664$1,366,822$1,084,934$2,574,165
47$3,020,948$1,378,330$1,065,813$2,754,837
48$3,271,871$1,388,655$1,044,305$2,952,151
49$3,546,586$1,397,683$1,020,273$3,167,780
50$3,847,463$1,405,295$993,578$3,403,565
51$4,177,112$1,411,362$964,070$3,661,537
52$4,538,407$1,415,749$931,596$3,943,935
53$4,934,515$1,418,310$895,995$4,253,226
54$5,368,920$1,418,892$857,095$4,592,128
55$5,845,464$1,417,332$814,722$4,963,640
56$6,368,377$1,413,456$768,690$5,371,065
57$6,942,316$1,407,081$718,807$5,818,045
58$7,572,415$1,398,011$664,870$6,308,594
59$8,264,327$1,386,039$606,668$6,847,137
60$9,024,279$1,370,945$543,982$7,438,552
61$9,859,131$1,352,497$476,581$8,088,214
62$10,776,440$1,330,447$404,224$8,802,049
63$11,784,533$1,304,535$326,662$9,586,589
64$12,892,582$1,274,484$243,632$10,449,033
65$14,110,692$1,240,000$154,860$11,397,316
66$15,449,995$1,200,773$60,060$12,440,187
67$16,922,758$1,156,474$0$13,587,285
68$18,542,493$1,106,755$0$14,855,817
69$20,324,091$1,051,250$0$16,261,603
70$22,283,955$989,568$0$17,807,983
71$24,440,159$921,297$0$19,509,242
72$26,812,619$846,004$0$21,381,120
73$29,423,275$763,228$0$23,440,965
74$32,296,305$672,482$0$25,707,892
75$35,458,348$573,253$0$28,202,968
76$38,938,755$464,998$0$30,949,408
77$42,769,869$347,144$0$33,972,793
78$46,987,326$219,085$0$37,301,319
79$51,630,395$80,181$0$40,966,052
80$56,742,343$0$0$45,001,232
81$62,370,847$0$0$49,454,638
82$68,568,444$0$0$54,371,023
83$75,393,022$0$0$59,784,847
84$82,908,371$0$0$65,746,724
85$91,184,781$0$0$72,312,422
86$100,299,708$0$0$79,543,396
87$110,338,500$0$0$87,507,366
88$121,395,209$0$0$96,278,953
89$133,573,470$0$0$105,940,385
90$146,987,486$0$0$116,582,275
91$161,763,102$0$0$128,304,470
92$178,038,992$0$0$141,216,999
93$195,967,968$0$0$155,441,109
94$215,718,424$0$0$171,110,408
95$237,475,920$0$0$188,372,125
96$261,444,938$0$0$207,388,504
97$287,850,811$0$0$228,338,330
98$316,941,845$0$0$251,418,618
99$348,991,667$0$0$276,846,474
100$384,301,806$0$0$304,861,140