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

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 $1,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$94,140$93,302$92,483$91,685$90,905$88,744
2 years$46,604$45,736$44,895$44,079$43,288$41,123
3 years$30,761$29,889$29,050$28,242$27,464$25,363
4 years$22,841$21,972$21,141$20,347$19,587$17,567
5 years$18,090$17,226$16,406$15,628$14,890$12,955
6 years$14,924$14,066$13,259$12,498$11,782$9,935
7 years$12,663$11,813$11,018$10,275$9,582$7,823
8 years$10,968$10,126$9,344$8,620$7,949$6,278
9 years$9,651$8,816$8,048$7,342$6,694$5,109
10 years$8,597$7,771$7,017$6,329$5,704$4,203
11 years$7,736$6,918$6,177$5,508$4,906$3,487
12 years$7,019$6,209$5,482$4,831$4,251$2,912
13 years$6,413$5,612$4,898$4,265$3,707$2,446
14 years$5,893$5,101$4,401$3,786$3,250$2,063
15 years$5,444$4,660$3,973$3,377$2,861$1,746
16 years$5,051$4,275$3,602$3,023$2,529$1,483
17 years$4,704$3,937$3,278$2,717$2,242$1,262
18 years$4,397$3,638$2,992$2,448$1,994$1,077
19 years$4,122$3,372$2,739$2,212$1,777$920
20 years$3,874$3,133$2,514$2,004$1,587$788
21 years$3,651$2,918$2,313$1,818$1,420$675
22 years$3,448$2,724$2,131$1,653$1,273$579
23 years$3,264$2,548$1,968$1,506$1,143$497
24 years$3,094$2,387$1,820$1,373$1,027$427
25 years$2,939$2,240$1,686$1,254$924$368
26 years$2,796$2,106$1,563$1,147$833$316
27 years$2,664$1,982$1,452$1,050$751$272
28 years$2,541$1,867$1,350$962$677$235
29 years$2,427$1,762$1,256$882$612$202
30 years$2,321$1,664$1,170$809$553$174
31 years$2,221$1,573$1,091$743$500$150
32 years$2,129$1,488$1,018$683$452$129
33 years$2,042$1,409$950$628$409$112
34 years$1,960$1,336$888$578$370$96
35 years$1,883$1,267$830$532$335$83
36 years$1,811$1,202$776$490$304$72
37 years$1,742$1,142$727$451$275$62
38 years$1,678$1,085$681$416$250$53
39 years$1,616$1,032$638$384$226$46
40 years$1,559$982$598$354$205$40
41 years$1,504$935$560$327$186$34
42 years$1,451$890$526$301$169$30
43 years$1,402$848$493$278$153$26
44 years$1,354$808$463$257$139$22
45 years$1,309$771$435$237$126$19
46 years$1,267$735$408$219$115$16
47 years$1,226$702$384$202$104$14
48 years$1,186$670$360$187$95$12
49 years$1,149$640$339$173$86$11
50 years$1,113$611$319$160$78$9

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 $2,311 every year, while hoping to spend $40,198 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: 53/39/8 Blend
34$1,140,000$1,140,000$1,140,000$1,140,000
35$1,258,664$1,198,244$1,180,574$1,322,778
36$1,344,277$1,214,187$1,177,353$1,382,462
37$1,437,276$1,229,565$1,172,676$1,442,786
38$1,538,371$1,244,306$1,166,454$1,507,453
39$1,648,344$1,258,336$1,158,589$1,576,882
40$1,768,055$1,271,576$1,148,982$1,651,535
41$1,898,452$1,283,938$1,137,529$1,731,921
42$2,040,576$1,295,333$1,124,118$1,818,602
43$2,195,574$1,305,664$1,108,635$1,912,200
44$2,364,708$1,314,827$1,090,960$2,013,398
45$2,549,367$1,322,712$1,070,966$2,122,954
46$2,751,080$1,329,202$1,048,520$2,241,701
47$2,971,531$1,334,174$1,023,486$2,370,561
48$3,212,573$1,337,494$995,719$2,510,550
49$3,476,246$1,339,021$965,066$2,662,790
50$3,764,797$1,338,608$931,370$2,828,519
51$4,080,701$1,336,094$894,466$3,009,104
52$4,426,682$1,331,312$854,179$3,206,053
53$4,805,740$1,324,083$810,331$3,421,031
54$5,221,179$1,314,217$762,731$3,655,873
55$5,676,639$1,301,513$711,182$3,912,608
56$6,176,127$1,285,758$655,477$4,193,472
57$6,724,057$1,266,725$595,401$4,500,933
58$7,325,292$1,244,176$530,728$4,837,714
59$7,985,188$1,217,856$461,223$5,206,820
60$8,709,643$1,187,498$386,641$5,611,568
61$9,505,157$1,152,816$306,724$6,055,615
62$10,378,888$1,113,509$221,204$6,542,996
63$11,338,722$1,069,258$129,801$7,078,165
64$12,393,347$1,019,726$32,225$7,666,034
65$13,552,332$964,557$0$8,312,021
66$14,826,223$903,373$0$9,028,242
67$16,226,634$835,775$0$9,818,487
68$17,766,363$761,340$0$10,687,306
69$19,459,510$679,624$0$11,642,749
70$21,321,609$590,154$0$12,693,698
71$23,369,774$492,433$0$13,849,945
72$25,622,863$385,934$0$15,122,287
73$28,101,653$270,103$0$16,522,633
74$30,829,035$144,351$0$18,064,112
75$33,830,231$8,059$0$19,761,203
76$37,133,034$0$0$21,629,869
77$40,768,064$0$0$23,747,548
78$44,769,063$0$0$26,082,373
79$49,173,207$0$0$28,652,596
80$54,021,461$0$0$31,482,141
81$59,358,963$0$0$34,597,369
82$65,235,451$0$0$38,027,328
83$71,705,730$0$0$41,804,025
84$78,830,190$0$0$45,962,730
85$86,675,374$0$0$50,542,305
86$95,314,610$0$0$55,585,575
87$104,828,695$0$0$61,139,730
88$115,306,664$0$0$67,256,768
89$126,846,629$0$0$73,993,988
90$139,556,698$0$0$81,414,531
91$153,556,002$0$0$89,587,974
92$168,975,819$0$0$98,590,987
93$185,960,806$0$0$108,508,056
94$204,670,368$0$0$119,432,280
95$225,280,166$0$0$131,466,252
96$247,983,766$0$0$144,723,024
97$272,994,471$0$0$159,327,174
98$300,547,333$0$0$175,415,982
99$330,901,371$0$0$193,140,728
100$364,342,015$0$0$212,668,117