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

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 $1,130,000?

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 $3,592 every year, while hoping to spend $35,659 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: 43/30/27 Blend
34$1,130,000$1,130,000$1,130,000$1,130,000
35$1,248,965$1,189,075$1,171,560$1,292,704
36$1,338,419$1,209,399$1,172,867$1,344,668
37$1,435,801$1,229,523$1,173,022$1,397,271
38$1,541,884$1,249,401$1,171,949$1,453,579
39$1,657,516$1,268,981$1,169,569$1,513,956
40$1,783,631$1,288,209$1,165,797$1,578,804
41$1,921,256$1,307,027$1,160,546$1,648,567
42$2,071,523$1,325,370$1,153,724$1,723,736
43$2,235,678$1,343,173$1,145,233$1,804,854
44$2,415,092$1,360,363$1,134,973$1,892,518
45$2,611,275$1,376,864$1,122,838$1,987,391
46$2,825,888$1,392,594$1,108,716$2,090,204
47$3,060,762$1,407,464$1,092,492$2,201,764
48$3,317,912$1,421,382$1,074,043$2,322,963
49$3,599,557$1,434,249$1,053,242$2,454,785
50$3,908,142$1,445,957$1,029,955$2,598,318
51$4,246,357$1,456,393$1,004,043$2,754,763
52$4,617,167$1,465,438$975,360$2,925,447
53$5,023,837$1,472,963$943,754$3,111,833
54$5,469,963$1,478,832$909,063$3,315,537
55$5,959,504$1,482,900$871,122$3,538,345
56$6,496,824$1,485,013$829,755$3,782,227
57$7,086,729$1,485,007$784,781$4,049,358
58$7,734,511$1,482,709$736,007$4,342,138
59$8,446,003$1,477,933$683,235$4,663,216
60$9,227,628$1,470,485$626,256$5,015,518
61$10,086,463$1,460,155$564,852$5,402,271
62$11,030,304$1,446,725$498,797$5,827,036
63$12,067,740$1,429,959$427,851$6,293,743
64$13,208,233$1,409,611$351,768$6,806,730
65$14,462,208$1,385,418$270,288$7,370,781
66$15,841,151$1,357,101$183,141$7,991,176
67$17,357,716$1,324,367$90,043$8,673,740
68$19,025,845$1,286,902$0$9,424,900
69$20,860,899$1,244,378$0$10,254,427
70$22,879,802$1,196,444$0$11,195,316
71$25,101,203$1,142,731$0$12,230,320
72$27,545,648$1,082,847$0$13,369,051
73$30,235,776$1,016,378$0$14,622,106
74$33,196,532$942,888$0$16,001,166
75$36,455,402$861,913$0$17,519,110
76$40,042,670$772,963$0$19,190,134
77$43,991,707$675,524$0$21,029,887
78$48,339,284$569,047$0$23,055,620
79$53,125,917$452,956$0$25,286,350
80$58,396,251$326,641$0$27,743,041
81$64,199,481$189,459$0$30,448,799
82$70,589,815$40,730$0$33,429,097
83$77,626,986$0$0$36,712,014
84$85,376,814$0$0$40,368,200
85$93,911,829$0$0$44,409,816
86$103,311,952$0$0$48,861,284
87$113,665,254$0$0$53,764,335
88$125,068,779$0$0$59,164,951
89$137,629,469$0$0$65,113,805
90$151,465,165$0$0$71,666,735
91$166,705,723$0$0$78,885,269
92$183,494,238$0$0$86,837,213
93$201,988,394$0$0$95,597,282
94$222,361,953$0$0$105,247,814
95$244,806,393$0$0$115,879,536
96$269,532,717$0$0$127,592,433
97$296,773,443$0$0$140,496,681
98$326,784,797$0$0$154,713,691
99$359,849,133$0$0$170,377,256
100$396,277,599$0$0$187,634,812