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%18.8%
1 years$94,140$93,302$92,483$91,685$90,905$87,680
2 years$46,604$45,736$44,895$44,079$43,288$40,073
3 years$30,761$29,889$29,050$28,242$27,464$24,360
4 years$22,841$21,972$21,141$20,347$19,587$16,619
5 years$18,090$17,226$16,406$15,628$14,890$12,064
6 years$14,924$14,066$13,259$12,498$11,782$9,101
7 years$12,663$11,813$11,018$10,275$9,582$7,045
8 years$10,968$10,126$9,344$8,620$7,949$5,555
9 years$9,651$8,816$8,048$7,342$6,694$4,439
10 years$8,597$7,771$7,017$6,329$5,704$3,584
11 years$7,736$6,918$6,177$5,508$4,906$2,916
12 years$7,019$6,209$5,482$4,831$4,251$2,388
13 years$6,413$5,612$4,898$4,265$3,707$1,965
14 years$5,893$5,101$4,401$3,786$3,250$1,623
15 years$5,444$4,660$3,973$3,377$2,861$1,346
16 years$5,051$4,275$3,602$3,023$2,529$1,118
17 years$4,704$3,937$3,278$2,717$2,242$931
18 years$4,397$3,638$2,992$2,448$1,994$777
19 years$4,122$3,372$2,739$2,212$1,777$649
20 years$3,874$3,133$2,514$2,004$1,587$543
21 years$3,651$2,918$2,313$1,818$1,420$455
22 years$3,448$2,724$2,131$1,653$1,273$381
23 years$3,264$2,548$1,968$1,506$1,143$320
24 years$3,094$2,387$1,820$1,373$1,027$268
25 years$2,939$2,240$1,686$1,254$924$225
26 years$2,796$2,106$1,563$1,147$833$189
27 years$2,664$1,982$1,452$1,050$751$159
28 years$2,541$1,867$1,350$962$677$134
29 years$2,427$1,762$1,256$882$612$112
30 years$2,321$1,664$1,170$809$553$94
31 years$2,221$1,573$1,091$743$500$79
32 years$2,129$1,488$1,018$683$452$67
33 years$2,042$1,409$950$628$409$56
34 years$1,960$1,336$888$578$370$47
35 years$1,883$1,267$830$532$335$40
36 years$1,811$1,202$776$490$304$33
37 years$1,742$1,142$727$451$275$28
38 years$1,678$1,085$681$416$250$24
39 years$1,616$1,032$638$384$226$20
40 years$1,559$982$598$354$205$17
41 years$1,504$935$560$327$186$14
42 years$1,451$890$526$301$169$12
43 years$1,402$848$493$278$153$10
44 years$1,354$808$463$257$139$8
45 years$1,309$771$435$237$126$7
46 years$1,267$735$408$219$115$6
47 years$1,226$702$384$202$104$5
48 years$1,186$670$360$187$95$4
49 years$1,149$640$339$173$86$4
50 years$1,113$611$319$160$78$3

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 $6,655 every year, while hoping to spend $45,261 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: 72/10/18 Blend
34$1,140,000$1,140,000$1,140,000$1,140,000
35$1,263,145$1,202,725$1,185,055$1,348,272
36$1,343,828$1,213,501$1,176,597$1,416,488
37$1,431,224$1,223,288$1,166,338$1,485,078
38$1,525,970$1,231,990$1,154,172$1,559,035
39$1,628,766$1,239,505$1,139,983$1,638,882
40$1,740,382$1,245,722$1,123,655$1,725,198
41$1,861,666$1,250,527$1,105,062$1,818,620
42$1,993,549$1,253,797$1,084,075$1,919,849
43$2,137,057$1,255,399$1,060,557$2,029,662
44$2,293,318$1,255,195$1,034,367$2,148,911
45$2,463,574$1,253,036$1,005,356$2,278,539
46$2,649,190$1,248,767$973,367$2,419,585
47$2,851,671$1,242,220$938,238$2,573,194
48$3,072,671$1,233,218$899,799$2,740,629
49$3,314,012$1,221,574$857,871$2,923,283
50$3,577,700$1,207,090$812,268$3,122,692
51$3,865,942$1,189,554$762,795$3,340,550
52$4,181,169$1,168,743$709,250$3,578,723
53$4,526,058$1,144,421$651,420$3,839,272
54$4,903,555$1,116,337$589,082$4,124,468
55$5,316,906$1,084,226$522,004$4,436,814
56$5,769,684$1,047,807$449,945$4,779,071
57$6,265,825$1,006,783$372,651$5,154,285
58$6,809,662$960,839$289,859$5,565,811
59$7,405,970$909,642$201,291$6,017,352
60$8,060,006$852,841$106,661$6,512,989
61$8,777,560$790,064$5,667$7,057,221
62$9,565,010$720,916$0$7,655,010
63$10,429,383$644,983$0$8,331,438
64$11,378,417$561,824$0$9,075,360
65$12,420,638$470,976$0$9,892,402
66$13,565,437$371,947$0$10,789,964
67$14,823,158$264,219$0$11,776,199
68$16,205,199$147,245$0$12,860,092
69$17,724,117$20,447$0$14,051,544
70$19,393,742$0$0$15,361,467
71$21,229,315$0$0$16,814,734
72$23,247,625$0$0$18,415,214
73$25,467,169$0$0$20,175,332
74$27,908,327$0$0$22,111,258
75$30,593,555$0$0$24,240,807
76$33,547,591$0$0$26,583,607
77$36,797,693$0$0$29,161,285
78$40,373,896$0$0$31,997,670
79$44,309,291$0$0$35,119,016
80$48,640,340$0$0$38,554,255
81$53,407,218$0$0$42,335,260
82$58,654,193$0$0$46,497,155
83$64,430,041$0$0$51,078,639
84$70,788,510$0$0$56,122,356
85$77,788,820$0$0$61,675,294
86$85,496,228$0$0$67,789,227
87$93,982,640$0$0$74,521,209
88$103,327,288$0$0$81,934,102
89$113,617,481$0$0$90,097,181
90$124,949,423$0$0$99,086,776
91$137,429,128$0$0$108,987,000
92$151,173,410$0$0$119,890,538
93$166,310,994$0$0$131,899,524
94$182,983,725$0$0$145,126,500
95$201,347,909$0$0$159,695,485
96$221,575,785$0$0$175,743,137
97$243,857,151$0$0$193,420,050
98$268,401,156$0$0$212,892,168
99$295,438,274$0$0$234,342,355
100$325,222,473$0$0$257,972,119