Can I retire at age 35 with 1,140,000?

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 $1,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$94,140$93,302$92,483$91,685$90,905$90,332
2 years$46,604$45,736$44,895$44,079$43,288$42,710
3 years$30,761$29,889$29,050$28,242$27,464$26,899
4 years$22,841$21,972$21,141$20,347$19,587$19,040
5 years$18,090$17,226$16,406$15,628$14,890$14,361
6 years$14,924$14,066$13,259$12,498$11,782$11,273
7 years$12,663$11,813$11,018$10,275$9,582$9,092
8 years$10,968$10,126$9,344$8,620$7,949$7,479
9 years$9,651$8,816$8,048$7,342$6,694$6,244
10 years$8,597$7,771$7,017$6,329$5,704$5,273
11 years$7,736$6,918$6,177$5,508$4,906$4,494
12 years$7,019$6,209$5,482$4,831$4,251$3,858
13 years$6,413$5,612$4,898$4,265$3,707$3,333
14 years$5,893$5,101$4,401$3,786$3,250$2,893
15 years$5,444$4,660$3,973$3,377$2,861$2,522
16 years$5,051$4,275$3,602$3,023$2,529$2,207
17 years$4,704$3,937$3,278$2,717$2,242$1,937
18 years$4,397$3,638$2,992$2,448$1,994$1,704
19 years$4,122$3,372$2,739$2,212$1,777$1,503
20 years$3,874$3,133$2,514$2,004$1,587$1,328
21 years$3,651$2,918$2,313$1,818$1,420$1,176
22 years$3,448$2,724$2,131$1,653$1,273$1,042
23 years$3,264$2,548$1,968$1,506$1,143$925
24 years$3,094$2,387$1,820$1,373$1,027$822
25 years$2,939$2,240$1,686$1,254$924$732
26 years$2,796$2,106$1,563$1,147$833$651
27 years$2,664$1,982$1,452$1,050$751$580
28 years$2,541$1,867$1,350$962$677$518
29 years$2,427$1,762$1,256$882$612$462
30 years$2,321$1,664$1,170$809$553$412
31 years$2,221$1,573$1,091$743$500$368
32 years$2,129$1,488$1,018$683$452$329
33 years$2,042$1,409$950$628$409$294
34 years$1,960$1,336$888$578$370$263
35 years$1,883$1,267$830$532$335$235
36 years$1,811$1,202$776$490$304$211
37 years$1,742$1,142$727$451$275$188
38 years$1,678$1,085$681$416$250$169
39 years$1,616$1,032$638$384$226$151
40 years$1,559$982$598$354$205$135
41 years$1,504$935$560$327$186$121
42 years$1,451$890$526$301$169$109
43 years$1,402$848$493$278$153$97
44 years$1,354$808$463$257$139$87
45 years$1,309$771$435$237$126$78
46 years$1,267$735$408$219$115$70
47 years$1,226$702$384$202$104$63
48 years$1,186$670$360$187$95$56
49 years$1,149$640$339$173$86$50
50 years$1,113$611$319$160$78$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,140,000, adding $4,796 every year, while hoping to spend $42,275 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: 52/42/6 Blend
34$1,140,000$1,140,000$1,140,000$1,140,000
35$1,261,227$1,200,807$1,183,137$1,324,777
36$1,344,892$1,214,666$1,177,792$1,382,271
37$1,435,674$1,227,788$1,170,851$1,439,751
38$1,534,254$1,240,091$1,162,216$1,501,237
39$1,641,382$1,251,489$1,151,784$1,567,114
40$1,757,881$1,261,891$1,139,447$1,637,808
41$1,884,660$1,271,198$1,125,093$1,713,789
42$2,022,715$1,279,307$1,108,604$1,795,576
43$2,173,146$1,286,107$1,089,856$1,883,741
44$2,337,160$1,291,479$1,068,719$1,978,917
45$2,516,087$1,295,299$1,045,059$2,081,803
46$2,711,392$1,297,432$1,018,732$2,193,169
47$2,924,686$1,297,739$989,592$2,313,870
48$3,157,744$1,296,067$957,482$2,444,844
49$3,412,517$1,292,258$922,241$2,587,131
50$3,691,157$1,286,141$883,699$2,741,878
51$3,996,030$1,277,538$841,679$2,910,352
52$4,329,745$1,266,257$795,995$3,093,952
53$4,695,171$1,252,096$746,453$3,294,220
54$5,095,470$1,234,840$692,851$3,512,863
55$5,534,124$1,214,263$634,977$3,751,761
56$6,014,966$1,190,123$572,610$4,012,993
57$6,542,219$1,162,166$505,519$4,298,852
58$7,120,534$1,130,121$433,463$4,611,869
59$7,755,035$1,093,703$356,190$4,954,839
60$8,451,363$1,052,609$273,437$5,330,844
61$9,215,734$1,006,519$184,929$5,743,290
62$10,054,994$955,093$90,379$6,195,933
63$10,976,685$897,975$0$6,692,917
64$11,989,116$834,784$0$7,239,492
65$13,101,437$765,120$0$7,846,250
66$14,323,733$688,560$0$8,512,991
67$15,667,110$604,656$0$9,245,882
68$17,143,806$512,935$0$10,051,728
69$18,767,302$412,897$0$10,938,034
70$20,552,453$304,014$0$11,913,078
71$22,515,621$185,729$0$12,985,994
72$24,674,837$57,452$0$14,166,852
73$27,049,966$0$0$15,466,763
74$29,662,894$0$0$16,935,617
75$32,537,737$0$0$18,581,051
76$35,701,064$0$0$20,391,736
77$39,182,152$0$0$22,384,447
78$43,013,257$0$0$24,577,666
79$47,229,923$0$0$26,991,759
80$51,871,312$0$0$29,649,165
81$56,980,577$0$0$32,574,610
82$62,605,266$0$0$35,795,339
83$68,797,773$0$0$39,341,374
84$75,615,828$0$0$43,245,794
85$83,123,047$0$0$47,545,049
86$91,389,525$0$0$52,279,307
87$100,492,504$0$0$57,492,826
88$110,517,097$0$0$63,234,376
89$121,557,089$0$0$69,557,699
90$133,715,830$0$0$76,522,014
91$147,107,199$0$0$84,192,575
92$161,856,688$0$0$92,641,291
93$178,102,577$0$0$101,947,400
94$195,997,248$0$0$112,198,218
95$215,708,613$0$0$123,489,964
96$237,421,706$0$0$135,928,664
97$261,340,426$0$0$149,631,158
98$287,689,459$0$0$164,726,196
99$316,716,400$0$0$181,355,656
100$348,694,093$0$0$199,675,884