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

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 $1,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$94,966$94,120$93,295$92,489$91,703$90,557
2 years$47,013$46,137$45,289$44,466$43,668$42,515
3 years$31,031$30,151$29,305$28,490$27,705$26,580
4 years$23,041$22,164$21,326$20,525$19,759$18,672
5 years$18,248$17,377$16,550$15,765$15,021$13,974
6 years$15,055$14,190$13,375$12,608$11,885$10,881
7 years$12,774$11,916$11,115$10,365$9,666$8,703
8 years$11,064$10,215$9,426$8,695$8,019$7,098
9 years$9,735$8,894$8,119$7,407$6,753$5,874
10 years$8,673$7,839$7,078$6,384$5,754$4,916
11 years$7,804$6,979$6,231$5,556$4,949$4,151
12 years$7,081$6,264$5,530$4,874$4,288$3,530
13 years$6,469$5,661$4,941$4,303$3,739$3,020
14 years$5,945$5,145$4,439$3,820$3,278$2,596
15 years$5,491$4,700$4,008$3,406$2,886$2,241
16 years$5,095$4,313$3,634$3,050$2,551$1,940
17 years$4,745$3,972$3,307$2,740$2,262$1,685
18 years$4,435$3,670$3,019$2,470$2,011$1,467
19 years$4,158$3,401$2,763$2,232$1,792$1,280
20 years$3,908$3,161$2,536$2,021$1,601$1,119
21 years$3,683$2,944$2,333$1,834$1,433$979
22 years$3,479$2,748$2,150$1,668$1,284$858
23 years$3,292$2,570$1,985$1,519$1,153$753
24 years$3,122$2,408$1,836$1,385$1,036$662
25 years$2,965$2,260$1,700$1,265$932$582
26 years$2,820$2,124$1,577$1,157$840$512
27 years$2,687$1,999$1,464$1,059$757$451
28 years$2,563$1,884$1,361$970$683$397
29 years$2,448$1,777$1,267$890$617$350
30 years$2,341$1,678$1,180$816$557$309
31 years$2,241$1,586$1,100$750$504$273
32 years$2,147$1,501$1,026$689$456$241
33 years$2,059$1,422$958$634$413$212
34 years$1,977$1,347$895$583$374$188
35 years$1,900$1,278$837$537$338$166
36 years$1,826$1,213$783$494$307$146
37 years$1,758$1,152$733$455$278$129
38 years$1,692$1,095$686$420$252$114
39 years$1,631$1,041$643$387$228$101
40 years$1,572$990$603$357$207$89
41 years$1,517$943$565$329$188$79
42 years$1,464$898$530$304$171$70
43 years$1,414$856$498$281$155$62
44 years$1,366$816$467$259$141$55
45 years$1,321$778$439$239$128$48
46 years$1,278$742$412$221$116$43
47 years$1,236$708$387$204$105$38
48 years$1,197$676$364$189$96$33
49 years$1,159$645$342$174$87$30
50 years$1,123$617$321$161$79$26

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 $5,146 every year, while hoping to spend $33,730 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: 70/11/19 Blend
34$1,150,000$1,150,000$1,150,000$1,150,000
35$1,272,608$1,211,658$1,193,833$1,355,489
36$1,366,526$1,235,141$1,197,938$1,434,878
37$1,468,892$1,258,644$1,201,050$1,517,261
38$1,580,534$1,282,132$1,203,100$1,606,591
39$1,702,361$1,305,569$1,204,016$1,703,553
40$1,835,373$1,328,913$1,203,722$1,808,898
41$1,980,673$1,352,122$1,202,138$1,923,455
42$2,139,473$1,375,147$1,199,182$2,048,140
43$2,313,109$1,397,939$1,194,764$2,183,958
44$2,503,051$1,420,443$1,188,794$2,332,021
45$2,710,919$1,442,601$1,181,175$2,493,551
46$2,938,495$1,464,351$1,171,806$2,669,897
47$3,187,741$1,485,624$1,160,582$2,862,545
48$3,460,821$1,506,350$1,147,391$3,073,133
49$3,760,115$1,526,451$1,132,119$3,303,465
50$4,088,245$1,545,846$1,114,643$3,555,531
51$4,448,099$1,564,445$1,094,837$3,831,525
52$4,842,858$1,582,156$1,072,567$4,133,862
53$5,276,026$1,598,877$1,047,694$4,465,207
54$5,751,461$1,614,503$1,020,072$4,828,496
55$6,273,415$1,628,919$989,550$5,226,966
56$6,846,570$1,642,003$955,967$5,664,183
57$7,476,086$1,653,626$919,157$6,144,079
58$8,167,643$1,663,651$878,945$6,670,987
59$8,927,503$1,671,930$835,150$7,249,684
60$9,762,562$1,678,308$787,581$7,885,435
61$10,680,416$1,682,618$736,038$8,584,043
62$11,689,437$1,684,685$680,314$9,351,902
63$12,798,847$1,684,321$620,192$10,196,063
64$14,018,804$1,681,328$555,443$11,124,295
65$15,360,503$1,675,494$485,831$12,145,163
66$16,836,276$1,666,595$411,109$13,268,106
67$18,459,712$1,654,394$331,016$14,503,528
68$20,245,782$1,638,638$245,284$15,862,895
69$22,210,980$1,619,061$153,630$17,358,846
70$24,373,483$1,595,378$55,760$19,005,311
71$26,753,317$1,567,289$0$20,817,644
72$29,372,546$1,534,477$0$22,822,636
73$32,255,483$1,496,605$0$25,041,773
74$35,428,919$1,453,315$0$27,484,363
75$38,922,372$1,404,230$0$30,173,133
76$42,768,368$1,348,951$0$33,133,126
77$47,002,746$1,287,055$0$36,391,941
78$51,664,999$1,218,093$0$39,979,989
79$56,798,643$1,141,594$0$43,930,784
80$62,451,629$1,057,057$0$48,281,257
81$68,676,795$963,952$0$53,072,106
82$75,532,363$861,720$0$58,348,178
83$83,082,491$749,771$0$64,158,896
84$91,397,875$627,481$0$70,558,722
85$100,556,420$494,188$0$77,607,676
86$110,643,968$349,197$0$85,371,895
87$121,755,117$191,772$0$93,924,266
88$133,994,104$21,134$0$103,345,109
89$147,475,798$0$0$113,722,936
90$162,326,774$0$0$125,175,084
91$178,686,516$0$0$137,793,610
92$196,708,728$0$0$151,694,521
93$216,562,785$0$0$167,008,473
94$238,435,334$0$0$183,879,443
95$262,532,052$0$0$202,466,090
96$289,079,588$0$0$222,943,249
97$318,327,706$0$0$245,503,585
98$350,551,634$0$0$270,359,410
99$386,054,670$0$0$297,744,684
100$425,171,039$0$0$327,917,227