Can I retire at age 35 with 1,150,000?

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 $1,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$94,966$94,120$93,295$92,489$91,703$90,934
2 years$47,013$46,137$45,289$44,466$43,668$42,894
3 years$31,031$30,151$29,305$28,490$27,705$26,948
4 years$23,041$22,164$21,326$20,525$19,759$19,027
5 years$18,248$17,377$16,550$15,765$15,021$14,314
6 years$15,055$14,190$13,375$12,608$11,885$11,205
7 years$12,774$11,916$11,115$10,365$9,666$9,013
8 years$11,064$10,215$9,426$8,695$8,019$7,393
9 years$9,735$8,894$8,119$7,407$6,753$6,154
10 years$8,673$7,839$7,078$6,384$5,754$5,182
11 years$7,804$6,979$6,231$5,556$4,949$4,403
12 years$7,081$6,264$5,530$4,874$4,288$3,768
13 years$6,469$5,661$4,941$4,303$3,739$3,244
14 years$5,945$5,145$4,439$3,820$3,278$2,807
15 years$5,491$4,700$4,008$3,406$2,886$2,439
16 years$5,095$4,313$3,634$3,050$2,551$2,127
17 years$4,745$3,972$3,307$2,740$2,262$1,860
18 years$4,435$3,670$3,019$2,470$2,011$1,631
19 years$4,158$3,401$2,763$2,232$1,792$1,433
20 years$3,908$3,161$2,536$2,021$1,601$1,262
21 years$3,683$2,944$2,333$1,834$1,433$1,113
22 years$3,479$2,748$2,150$1,668$1,284$983
23 years$3,292$2,570$1,985$1,519$1,153$869
24 years$3,122$2,408$1,836$1,385$1,036$770
25 years$2,965$2,260$1,700$1,265$932$682
26 years$2,820$2,124$1,577$1,157$840$605
27 years$2,687$1,999$1,464$1,059$757$537
28 years$2,563$1,884$1,361$970$683$477
29 years$2,448$1,777$1,267$890$617$424
30 years$2,341$1,678$1,180$816$557$377
31 years$2,241$1,586$1,100$750$504$335
32 years$2,147$1,501$1,026$689$456$298
33 years$2,059$1,422$958$634$413$266
34 years$1,977$1,347$895$583$374$236
35 years$1,900$1,278$837$537$338$211
36 years$1,826$1,213$783$494$307$188
37 years$1,758$1,152$733$455$278$167
38 years$1,692$1,095$686$420$252$149
39 years$1,631$1,041$643$387$228$133
40 years$1,572$990$603$357$207$119
41 years$1,517$943$565$329$188$106
42 years$1,464$898$530$304$171$94
43 years$1,414$856$498$281$155$84
44 years$1,366$816$467$259$141$75
45 years$1,321$778$439$239$128$67
46 years$1,278$742$412$221$116$60
47 years$1,236$708$387$204$105$53
48 years$1,197$676$364$189$96$48
49 years$1,159$645$342$174$87$42
50 years$1,123$617$321$161$79$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,150,000, adding $5,450 every year, while hoping to spend $27,605 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: 48/34/18 Blend
34$1,150,000$1,150,000$1,150,000$1,150,000
35$1,272,922$1,211,972$1,194,147$1,327,331
36$1,373,388$1,241,987$1,204,779$1,395,664
37$1,483,177$1,272,547$1,214,842$1,466,576
38$1,603,210$1,303,651$1,224,289$1,542,988
39$1,734,502$1,335,295$1,233,067$1,625,425
40$1,878,170$1,367,473$1,241,124$1,714,469
41$2,035,445$1,400,181$1,248,403$1,810,756
42$2,207,682$1,433,411$1,254,846$1,914,990
43$2,396,373$1,467,155$1,260,390$2,027,946
44$2,603,160$1,501,403$1,264,971$2,150,478
45$2,829,854$1,536,144$1,268,519$2,283,525
46$3,078,448$1,571,363$1,270,963$2,428,125
47$3,351,136$1,607,047$1,272,227$2,585,419
48$3,650,338$1,643,178$1,272,232$2,756,665
49$3,978,715$1,679,737$1,270,895$2,943,250
50$4,339,203$1,716,702$1,268,128$3,146,702
51$4,735,032$1,754,051$1,263,841$3,368,706
52$5,169,762$1,791,757$1,257,937$3,611,116
53$5,647,315$1,829,790$1,250,315$3,875,978
54$6,172,011$1,868,120$1,240,870$4,165,547
55$6,748,609$1,906,710$1,229,492$4,482,308
56$7,382,353$1,945,524$1,216,066$4,828,998
57$8,079,017$1,984,520$1,200,469$5,208,635
58$8,844,967$2,023,652$1,182,574$5,624,547
59$9,687,214$2,062,870$1,162,250$6,080,400
60$10,613,481$2,102,122$1,139,357$6,580,235
61$11,632,280$2,141,351$1,113,750$7,128,505
62$12,752,988$2,180,492$1,085,276$7,730,122
63$13,985,935$2,219,479$1,053,775$8,390,495
64$15,342,506$2,258,239$1,019,082$9,115,590
65$16,835,242$2,296,693$981,022$9,911,981
66$18,477,963$2,334,757$939,412$10,786,913
67$20,285,896$2,372,340$894,063$11,748,373
68$22,275,818$2,409,346$844,775$12,805,165
69$24,466,216$2,445,668$791,339$13,966,991
70$26,877,460$2,481,196$733,539$15,244,545
71$29,531,994$2,515,808$671,146$16,649,616
72$32,454,552$2,549,377$603,924$18,195,196
73$35,672,386$2,581,766$531,625$19,895,606
74$39,215,523$2,612,826$453,988$21,766,628
75$43,117,054$2,642,403$370,744$23,825,660
76$47,413,440$2,670,327$281,611$26,091,876
77$52,144,858$2,696,420$186,292$28,586,411
78$57,355,582$2,720,492$84,481$31,332,557
79$63,094,395$2,742,341$0$34,355,988
80$69,415,056$2,761,748$0$37,689,644
81$76,376,804$2,778,486$0$41,377,685
82$84,044,914$2,792,308$0$45,438,311
83$92,491,318$2,802,954$0$49,909,477
84$101,795,281$2,810,147$0$54,833,012
85$112,044,149$2,813,593$0$60,255,013
86$123,334,172$2,812,979$0$66,226,281
87$135,771,415$2,807,972$0$72,802,801
88$149,472,757$2,798,221$0$80,046,270
89$164,566,995$2,783,351$0$88,024,684
90$181,196,058$2,762,964$0$96,812,974
91$199,516,347$2,736,641$0$106,493,721
92$219,700,212$2,703,933$0$117,157,930
93$241,937,576$2,664,369$0$128,905,894
94$266,437,732$2,617,446$0$141,848,141
95$293,431,314$2,562,634$0$156,106,477
96$323,172,474$2,499,369$0$171,815,138
97$355,941,284$2,427,056$0$189,122,056
98$392,046,377$2,345,063$0$208,190,261
99$431,827,860$2,252,725$0$229,199,417
100$475,660,527$2,149,333$0$252,347,522