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%15.2%
1 years$94,140$93,302$92,483$91,685$90,905$88,961
2 years$46,604$45,736$44,895$44,079$43,288$41,339
3 years$30,761$29,889$29,050$28,242$27,464$25,570
4 years$22,841$21,972$21,141$20,347$19,587$17,764
5 years$18,090$17,226$16,406$15,628$14,890$13,142
6 years$14,924$14,066$13,259$12,498$11,782$10,111
7 years$12,663$11,813$11,018$10,275$9,582$7,989
8 years$10,968$10,126$9,344$8,620$7,949$6,433
9 years$9,651$8,816$8,048$7,342$6,694$5,255
10 years$8,597$7,771$7,017$6,329$5,704$4,339
11 years$7,736$6,918$6,177$5,508$4,906$3,613
12 years$7,019$6,209$5,482$4,831$4,251$3,030
13 years$6,413$5,612$4,898$4,265$3,707$2,555
14 years$5,893$5,101$4,401$3,786$3,250$2,164
15 years$5,444$4,660$3,973$3,377$2,861$1,839
16 years$5,051$4,275$3,602$3,023$2,529$1,568
17 years$4,704$3,937$3,278$2,717$2,242$1,341
18 years$4,397$3,638$2,992$2,448$1,994$1,149
19 years$4,122$3,372$2,739$2,212$1,777$986
20 years$3,874$3,133$2,514$2,004$1,587$848
21 years$3,651$2,918$2,313$1,818$1,420$730
22 years$3,448$2,724$2,131$1,653$1,273$629
23 years$3,264$2,548$1,968$1,506$1,143$543
24 years$3,094$2,387$1,820$1,373$1,027$469
25 years$2,939$2,240$1,686$1,254$924$405
26 years$2,796$2,106$1,563$1,147$833$350
27 years$2,664$1,982$1,452$1,050$751$303
28 years$2,541$1,867$1,350$962$677$262
29 years$2,427$1,762$1,256$882$612$227
30 years$2,321$1,664$1,170$809$553$197
31 years$2,221$1,573$1,091$743$500$170
32 years$2,129$1,488$1,018$683$452$148
33 years$2,042$1,409$950$628$409$128
34 years$1,960$1,336$888$578$370$111
35 years$1,883$1,267$830$532$335$96
36 years$1,811$1,202$776$490$304$83
37 years$1,742$1,142$727$451$275$72
38 years$1,678$1,085$681$416$250$63
39 years$1,616$1,032$638$384$226$54
40 years$1,559$982$598$354$205$47
41 years$1,504$935$560$327$186$41
42 years$1,451$890$526$301$169$36
43 years$1,402$848$493$278$153$31
44 years$1,354$808$463$257$139$27
45 years$1,309$771$435$237$126$23
46 years$1,267$735$408$219$115$20
47 years$1,226$702$384$202$104$18
48 years$1,186$670$360$187$95$15
49 years$1,149$640$339$173$86$13
50 years$1,113$611$319$160$78$11

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 $4,952 every year, while hoping to spend $28,091 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: 38/34/28 Blend
34$1,140,000$1,140,000$1,140,000$1,140,000
35$1,261,388$1,200,968$1,183,298$1,298,648
36$1,360,161$1,229,927$1,193,050$1,355,428
37$1,468,067$1,259,363$1,202,187$1,413,819
38$1,586,009$1,289,271$1,210,659$1,476,390
39$1,714,979$1,319,642$1,218,413$1,543,538
40$1,856,070$1,350,468$1,225,394$1,615,703
41$2,010,487$1,381,739$1,231,542$1,693,368
42$2,179,556$1,413,443$1,236,797$1,777,066
43$2,364,735$1,445,566$1,241,094$1,867,386
44$2,567,632$1,478,093$1,244,366$1,964,975
45$2,790,019$1,511,008$1,246,540$2,070,548
46$3,033,844$1,544,290$1,247,542$2,184,894
47$3,301,256$1,577,920$1,247,295$2,308,881
48$3,594,619$1,611,874$1,245,714$2,443,468
49$3,916,540$1,646,125$1,242,715$2,589,712
50$4,269,887$1,680,645$1,238,206$2,748,779
51$4,657,822$1,715,404$1,232,093$2,921,953
52$5,083,828$1,750,366$1,224,276$3,110,651
53$5,551,740$1,785,495$1,214,651$3,316,438
54$6,065,783$1,820,751$1,203,107$3,541,036
55$6,630,614$1,856,088$1,189,532$3,786,347
56$7,251,360$1,891,460$1,173,805$4,054,465
57$7,933,672$1,926,815$1,155,801$4,347,703
58$8,683,773$1,962,096$1,135,387$4,668,608
59$9,508,523$1,997,243$1,112,427$5,019,992
60$10,415,475$2,032,191$1,086,777$5,404,954
61$11,412,955$2,066,870$1,058,285$5,826,911
62$12,510,133$2,101,203$1,026,794$6,289,630
63$13,717,115$2,135,110$992,140$6,797,268
64$15,045,034$2,168,504$954,150$7,354,404
65$16,506,157$2,201,290$912,643$7,966,092
66$18,114,000$2,233,368$867,432$8,637,900
67$19,883,456$2,264,631$818,319$9,375,970
68$21,830,934$2,294,964$765,098$10,187,073
69$23,974,515$2,324,242$707,554$11,078,674
70$26,334,120$2,352,336$645,463$12,059,004
71$28,931,704$2,379,103$578,589$13,137,138
72$31,791,453$2,404,394$506,687$14,323,080
73$34,940,021$2,428,050$429,501$15,627,862
74$38,406,777$2,449,898$346,763$17,063,642
75$42,224,082$2,469,757$258,194$18,643,828
76$46,427,597$2,487,434$163,501$20,383,199
77$51,056,615$2,502,721$62,382$22,298,048
78$56,154,435$2,515,400$0$24,406,337
79$61,768,770$2,525,236$0$26,741,469
80$67,952,193$2,531,982$0$29,332,443
81$74,762,641$2,535,373$0$32,184,768
82$82,263,953$2,535,129$0$35,325,077
83$90,526,478$2,530,952$0$38,782,721
84$99,627,735$2,522,526$0$42,590,050
85$109,653,150$2,509,514$0$46,782,715
86$120,696,853$2,491,562$0$51,400,007
87$132,862,574$2,468,292$0$56,485,228
88$146,264,621$2,439,302$0$62,086,102
89$161,028,953$2,404,169$0$68,255,222
90$177,294,376$2,362,443$0$75,050,554
91$195,213,846$2,313,646$0$82,535,979
92$214,955,919$2,257,276$0$90,781,901
93$236,706,337$2,192,796$0$99,865,907
94$260,669,782$2,119,641$0$109,873,510
95$287,071,809$2,037,214$0$120,898,946
96$316,160,975$1,944,879$0$133,046,075
97$348,211,183$1,841,966$0$146,429,356
98$383,524,269$1,727,767$0$161,174,932
99$422,432,849$1,601,532$0$177,421,819
100$465,303,461$1,462,469$0$195,323,226