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%18.1%
1 years$93,314$92,483$91,672$90,881$90,108$87,154
2 years$46,195$45,335$44,501$43,693$42,908$39,960
3 years$30,491$29,627$28,795$27,994$27,223$24,373
4 years$22,640$21,779$20,955$20,168$19,416$16,687
5 years$17,931$17,075$16,262$15,491$14,759$12,158
6 years$14,793$13,943$13,142$12,388$11,679$9,207
7 years$12,552$11,709$10,921$10,185$9,498$7,156
8 years$10,872$10,037$9,262$8,544$7,879$5,665
9 years$9,566$8,739$7,978$7,278$6,636$4,547
10 years$8,522$7,703$6,955$6,273$5,654$3,687
11 years$7,668$6,858$6,123$5,460$4,862$3,014
12 years$6,957$6,155$5,434$4,789$4,214$2,480
13 years$6,356$5,562$4,855$4,228$3,674$2,050
14 years$5,842$5,056$4,362$3,753$3,221$1,702
15 years$5,396$4,619$3,938$3,347$2,836$1,418
16 years$5,006$4,238$3,571$2,997$2,506$1,184
17 years$4,663$3,903$3,249$2,693$2,222$991
18 years$4,358$3,606$2,966$2,427$1,976$831
19 years$4,085$3,342$2,715$2,193$1,761$698
20 years$3,841$3,106$2,492$1,986$1,573$587
21 years$3,619$2,893$2,292$1,802$1,408$494
22 years$3,418$2,700$2,113$1,639$1,262$417
23 years$3,235$2,526$1,951$1,492$1,133$351
24 years$3,067$2,366$1,804$1,361$1,018$297
25 years$2,913$2,221$1,671$1,243$916$250
26 years$2,771$2,087$1,550$1,137$825$211
27 years$2,640$1,964$1,439$1,040$744$179
28 years$2,519$1,851$1,338$953$671$151
29 years$2,405$1,746$1,245$874$606$128
30 years$2,300$1,649$1,160$802$548$108
31 years$2,202$1,559$1,081$737$495$91
32 years$2,110$1,475$1,009$677$448$77
33 years$2,024$1,397$942$623$405$65
34 years$1,943$1,324$880$573$367$55
35 years$1,866$1,256$823$527$332$47
36 years$1,795$1,192$770$486$301$40
37 years$1,727$1,132$720$448$273$34
38 years$1,663$1,076$675$413$248$28
39 years$1,602$1,023$632$380$224$24
40 years$1,545$973$592$351$204$20
41 years$1,490$926$555$324$185$17
42 years$1,439$882$521$299$168$15
43 years$1,389$841$489$276$152$12
44 years$1,343$801$459$255$138$10
45 years$1,298$764$431$235$125$9
46 years$1,255$729$405$217$114$7
47 years$1,215$696$380$201$103$6
48 years$1,176$664$357$185$94$5
49 years$1,139$634$336$171$85$5
50 years$1,103$606$316$158$77$4

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 $4,372 every year, while hoping to spend $33,172 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: 60/16/24 Blend
34$1,130,000$1,130,000$1,130,000$1,130,000
35$1,249,770$1,189,880$1,172,365$1,316,503
36$1,341,951$1,212,889$1,176,344$1,385,371
37$1,442,424$1,235,914$1,179,345$1,456,498
38$1,551,998$1,258,921$1,181,300$1,533,382
39$1,671,565$1,281,871$1,182,137$1,616,591
40$1,802,109$1,304,727$1,181,782$1,706,749
41$1,944,709$1,327,443$1,180,157$1,804,542
42$2,100,556$1,349,974$1,177,179$1,910,731
43$2,270,960$1,372,271$1,172,762$2,026,152
44$2,457,364$1,394,278$1,166,815$2,151,728
45$2,661,356$1,415,939$1,159,245$2,288,475
46$2,884,686$1,437,191$1,149,951$2,437,516
47$3,129,279$1,457,969$1,138,830$2,600,087
48$3,397,257$1,478,201$1,125,772$2,777,552
49$3,690,956$1,497,812$1,110,664$2,971,414
50$4,012,948$1,516,719$1,093,386$3,183,331
51$4,366,067$1,534,837$1,073,813$3,415,131
52$4,753,434$1,552,072$1,051,814$3,668,831
53$5,178,487$1,568,325$1,027,252$3,946,652
54$5,645,011$1,583,492$999,983$4,251,044
55$6,157,177$1,597,458$969,858$4,584,710
56$6,719,580$1,610,105$936,719$4,950,629
57$7,337,281$1,621,304$900,403$5,352,084
58$8,015,855$1,630,919$860,738$5,792,697
59$8,761,444$1,638,806$817,544$6,276,460
60$9,580,815$1,644,810$770,635$6,807,775
61$10,481,420$1,648,769$719,814$7,391,494
62$11,471,474$1,650,507$664,876$8,032,969
63$12,560,022$1,649,840$605,608$8,738,096
64$13,757,034$1,646,572$541,786$9,513,379
65$15,073,492$1,640,494$473,176$10,365,987
66$16,521,496$1,631,386$399,534$11,303,823
67$18,114,377$1,619,012$320,607$12,335,600
68$19,866,824$1,603,124$236,128$13,470,921
69$21,795,021$1,583,459$145,820$14,720,375
70$23,916,800$1,559,735$49,392$16,095,635
71$26,251,810$1,531,658$0$17,609,566
72$28,821,698$1,498,914$0$19,290,056
73$31,650,320$1,461,169$0$21,153,425
74$34,763,959$1,418,072$0$23,204,331
75$38,191,576$1,369,251$0$25,461,859
76$41,965,083$1,314,310$0$27,947,044
77$46,119,643$1,252,834$0$30,683,064
78$50,694,004$1,184,380$0$33,695,464
79$55,730,860$1,108,482$0$37,012,395
80$61,277,256$1,024,646$0$40,664,880
81$67,385,032$932,350$0$44,687,107
82$74,111,313$831,042$0$49,116,753
83$81,519,045$720,141$0$53,995,339
84$89,677,588$599,029$0$59,368,625
85$98,663,377$467,056$0$65,287,036
86$108,560,635$323,535$0$71,806,145
87$119,462,170$167,739$0$78,987,195
88$131,470,256$0$0$86,897,680
89$144,697,589$0$0$95,612,170
90$159,268,357$0$0$105,244,413
91$175,319,409$0$0$115,855,358
92$193,001,548$0$0$127,544,714
93$212,480,951$0$0$140,422,356
94$233,940,740$0$0$154,609,362
95$257,582,709$0$0$170,239,156
96$283,629,230$0$0$187,458,768
97$312,325,348$0$0$206,430,220
98$343,941,097$0$0$227,332,055
99$378,774,048$0$0$250,361,025
100$417,152,114$0$0$275,733,945