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%18.7%
1 years$94,966$94,120$93,295$92,489$91,703$88,484
2 years$47,013$46,137$45,289$44,466$43,668$40,459
3 years$31,031$30,151$29,305$28,490$27,705$24,606
4 years$23,041$22,164$21,326$20,525$19,759$16,795
5 years$18,248$17,377$16,550$15,765$15,021$12,199
6 years$15,055$14,190$13,375$12,608$11,885$9,207
7 years$12,774$11,916$11,115$10,365$9,666$7,132
8 years$11,064$10,215$9,426$8,695$8,019$5,626
9 years$9,735$8,894$8,119$7,407$6,753$4,499
10 years$8,673$7,839$7,078$6,384$5,754$3,634
11 years$7,804$6,979$6,231$5,556$4,949$2,959
12 years$7,081$6,264$5,530$4,874$4,288$2,425
13 years$6,469$5,661$4,941$4,303$3,739$1,997
14 years$5,945$5,145$4,439$3,820$3,278$1,651
15 years$5,491$4,700$4,008$3,406$2,886$1,369
16 years$5,095$4,313$3,634$3,050$2,551$1,139
17 years$4,745$3,972$3,307$2,740$2,262$949
18 years$4,435$3,670$3,019$2,470$2,011$792
19 years$4,158$3,401$2,763$2,232$1,792$663
20 years$3,908$3,161$2,536$2,021$1,601$555
21 years$3,683$2,944$2,333$1,834$1,433$465
22 years$3,479$2,748$2,150$1,668$1,284$390
23 years$3,292$2,570$1,985$1,519$1,153$327
24 years$3,122$2,408$1,836$1,385$1,036$275
25 years$2,965$2,260$1,700$1,265$932$231
26 years$2,820$2,124$1,577$1,157$840$194
27 years$2,687$1,999$1,464$1,059$757$163
28 years$2,563$1,884$1,361$970$683$137
29 years$2,448$1,777$1,267$890$617$116
30 years$2,341$1,678$1,180$816$557$97
31 years$2,241$1,586$1,100$750$504$82
32 years$2,147$1,501$1,026$689$456$69
33 years$2,059$1,422$958$634$413$58
34 years$1,977$1,347$895$583$374$49
35 years$1,900$1,278$837$537$338$41
36 years$1,826$1,213$783$494$307$35
37 years$1,758$1,152$733$455$278$29
38 years$1,692$1,095$686$420$252$25
39 years$1,631$1,041$643$387$228$21
40 years$1,572$990$603$357$207$17
41 years$1,517$943$565$329$188$15
42 years$1,464$898$530$304$171$12
43 years$1,414$856$498$281$155$10
44 years$1,366$816$467$259$141$9
45 years$1,321$778$439$239$128$7
46 years$1,278$742$412$221$116$6
47 years$1,236$708$387$204$105$5
48 years$1,197$676$364$189$96$4
49 years$1,159$645$342$174$87$4
50 years$1,123$617$321$161$79$3

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 $4,296 every year, while hoping to spend $55,701 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: 54/16/30 Blend
34$1,150,000$1,150,000$1,150,000$1,150,000
35$1,271,731$1,210,781$1,192,956$1,329,552
36$1,342,182$1,210,844$1,173,655$1,370,150
37$1,417,953$1,209,043$1,151,840$1,408,310
38$1,499,526$1,205,228$1,127,369$1,448,766
39$1,587,433$1,199,240$1,100,091$1,491,760
40$1,682,258$1,190,910$1,069,851$1,537,564
41$1,784,642$1,180,058$1,036,485$1,586,478
42$1,895,289$1,166,494$999,820$1,638,836
43$2,014,973$1,150,017$959,679$1,695,011
44$2,144,546$1,130,413$915,873$1,755,414
45$2,284,942$1,107,456$868,208$1,820,503
46$2,437,191$1,080,906$816,477$1,890,789
47$2,602,423$1,050,509$760,468$1,966,833
48$2,781,883$1,015,997$699,957$2,049,264
49$2,976,940$977,086$634,710$2,138,776
50$3,189,099$933,473$564,484$2,236,137
51$3,420,015$884,842$489,022$2,342,202
52$3,671,513$830,856$408,061$2,457,917
53$3,945,597$771,157$321,320$2,584,329
54$4,244,474$705,371$228,511$2,722,599
55$4,570,575$633,098$129,331$2,874,012
56$4,926,572$553,919$23,462$3,039,990
57$5,315,410$467,388$0$3,222,110
58$5,740,329$373,037$0$3,450,767
59$6,204,896$270,369$0$3,709,114
60$6,713,039$158,861$0$3,991,881
61$7,269,083$37,959$0$4,301,548
62$7,877,789$0$0$4,640,849
63$8,544,402$0$0$5,029,161
64$9,274,697$0$0$5,461,998
65$10,075,033$0$0$5,936,461
66$10,952,415$0$0$6,456,715
67$11,914,555$0$0$7,027,349
68$12,969,951$0$0$7,653,417
69$14,127,962$0$0$8,340,486
70$15,398,894$0$0$9,094,689
71$16,794,102$0$0$9,922,779
72$18,326,094$0$0$10,832,199
73$20,008,648$0$0$11,831,144
74$21,856,940$0$0$12,928,645
75$23,887,692$0$0$14,134,648
76$26,119,323$0$0$15,460,113
77$28,572,126$0$0$16,917,114
78$31,268,456$0$0$18,518,950
79$34,232,945$0$0$20,280,277
80$37,492,727$0$0$22,217,239
81$41,077,699$0$0$24,347,625
82$45,020,801$0$0$26,691,035
83$49,358,324$0$0$29,269,060
84$54,130,255$0$0$32,105,493
85$59,380,651$0$0$35,226,549
86$65,158,054$0$0$38,661,110
87$71,515,950$0$0$42,441,003
88$78,513,272$0$0$46,601,293
89$86,214,956$0$0$51,180,619
90$94,692,552$0$0$56,221,556
91$104,024,898$0$0$61,771,013
92$114,298,865$0$0$67,880,684
93$125,610,175$0$0$74,607,525
94$138,064,303$0$0$82,014,299
95$151,777,471$0$0$90,170,164
96$166,877,746$0$0$99,151,324
97$183,506,247$0$0$109,041,752
98$201,818,475$0$0$119,933,980
99$221,985,780$0$0$131,929,968
100$244,196,977$0$0$145,142,074