Can I retire at age 35 with 1,170,000?

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 $1,170,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$96,618$95,757$94,917$94,098$93,297$92,748
2 years$47,830$46,940$46,076$45,239$44,427$43,873
3 years$31,570$30,676$29,814$28,985$28,187$27,645
4 years$23,442$22,550$21,697$20,882$20,103$19,578
5 years$18,566$17,679$16,838$16,040$15,282$14,775
6 years$15,316$14,436$13,608$12,827$12,092$11,603
7 years$12,996$12,124$11,308$10,546$9,834$9,364
8 years$11,257$10,392$9,590$8,847$8,158$7,708
9 years$9,905$9,048$8,260$7,535$6,870$6,438
10 years$8,824$7,976$7,201$6,496$5,854$5,441
11 years$7,940$7,100$6,340$5,653$5,035$4,640
12 years$7,204$6,373$5,626$4,958$4,363$3,986
13 years$6,581$5,759$5,027$4,378$3,805$3,445
14 years$6,048$5,235$4,517$3,886$3,335$2,993
15 years$5,587$4,782$4,078$3,466$2,936$2,611
16 years$5,184$4,388$3,697$3,103$2,595$2,286
17 years$4,828$4,041$3,364$2,788$2,301$2,008
18 years$4,512$3,734$3,071$2,513$2,046$1,768
19 years$4,230$3,461$2,812$2,270$1,824$1,560
20 years$3,976$3,216$2,580$2,056$1,629$1,380
21 years$3,747$2,995$2,373$1,866$1,458$1,222
22 years$3,539$2,796$2,187$1,697$1,307$1,084
23 years$3,350$2,615$2,020$1,545$1,173$963
24 years$3,176$2,450$1,868$1,409$1,054$857
25 years$3,016$2,299$1,730$1,287$949$763
26 years$2,869$2,161$1,605$1,177$855$680
27 years$2,734$2,034$1,490$1,077$770$606
28 years$2,608$1,916$1,385$987$695$541
29 years$2,491$1,808$1,289$905$628$483
30 years$2,382$1,707$1,201$831$567$432
31 years$2,280$1,614$1,119$763$513$386
32 years$2,185$1,527$1,044$701$464$345
33 years$2,095$1,446$975$645$420$309
34 years$2,011$1,371$911$593$380$276
35 years$1,933$1,300$852$546$344$247
36 years$1,858$1,234$797$503$312$221
37 years$1,788$1,172$746$463$283$198
38 years$1,722$1,114$698$427$256$178
39 years$1,659$1,059$654$394$232$159
40 years$1,600$1,008$613$363$211$143
41 years$1,543$959$575$335$191$128
42 years$1,490$914$539$309$174$115
43 years$1,439$870$506$286$157$103
44 years$1,390$830$475$264$143$92
45 years$1,344$791$446$243$130$83
46 years$1,300$755$419$225$118$74
47 years$1,258$720$394$208$107$67
48 years$1,218$688$370$192$97$60
49 years$1,179$657$348$177$88$54
50 years$1,142$627$327$164$80$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,170,000, adding $6,836 every year, while hoping to spend $34,370 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: 70/9/21 Blend
34$1,170,000$1,170,000$1,170,000$1,170,000
35$1,296,391$1,234,381$1,216,246$1,379,958
36$1,392,054$1,258,297$1,220,421$1,460,530
37$1,496,322$1,282,232$1,223,584$1,544,004
38$1,610,037$1,306,152$1,225,664$1,634,532
39$1,734,126$1,330,018$1,226,589$1,732,809
40$1,869,607$1,353,789$1,226,280$1,839,602
41$2,017,604$1,377,421$1,224,657$1,955,753
42$2,179,350$1,400,866$1,221,634$2,082,193
43$2,356,208$1,424,072$1,217,123$2,219,948
44$2,549,674$1,446,984$1,211,029$2,370,146
45$2,761,396$1,469,543$1,203,255$2,534,034
46$2,993,192$1,491,684$1,193,697$2,712,984
47$3,247,060$1,513,339$1,182,248$2,908,507
48$3,525,203$1,534,435$1,168,796$3,122,273
49$3,830,044$1,554,893$1,153,221$3,356,117
50$4,164,256$1,574,630$1,135,401$3,612,066
51$4,530,779$1,593,555$1,115,206$3,892,353
52$4,932,852$1,611,574$1,092,500$4,199,438
53$5,374,046$1,628,583$1,067,141$4,536,033
54$5,858,289$1,644,474$1,038,981$4,905,129
55$6,389,912$1,659,131$1,007,864$5,310,020
56$6,973,684$1,672,430$973,629$5,754,339
57$7,614,859$1,684,238$936,104$6,242,089
58$8,319,224$1,694,415$895,113$6,777,684
59$9,093,155$1,702,812$850,470$7,365,987
60$9,943,677$1,709,269$801,981$8,012,360
61$10,878,527$1,713,618$749,442$8,722,712
62$11,906,230$1,715,679$692,642$9,503,556
63$13,036,179$1,715,261$631,359$10,362,073
64$14,278,722$1,712,161$565,361$11,306,174
65$15,645,258$1,706,164$494,408$12,344,582
66$17,148,350$1,697,041$418,246$13,486,911
67$18,801,836$1,684,551$336,612$14,743,755
68$20,620,965$1,668,436$249,230$16,126,795
69$22,622,538$1,648,423$155,813$17,648,901
70$24,825,065$1,624,224$56,061$19,324,262
71$27,248,944$1,595,533$0$21,168,514
72$29,916,647$1,562,025$0$23,210,185
73$32,852,938$1,523,357$0$25,471,117
74$36,085,101$1,479,165$0$27,959,748
75$39,643,202$1,429,065$0$30,699,235
76$43,560,368$1,372,648$0$33,715,092
77$47,873,101$1,309,484$0$37,035,437
78$52,621,626$1,239,117$0$40,691,254
79$57,850,262$1,161,064$0$44,716,686
80$63,607,847$1,074,815$0$49,149,359
81$69,948,198$979,831$0$54,030,732
82$76,930,613$875,542$0$59,406,497
83$84,620,437$761,345$0$65,327,003
84$93,089,675$636,603$0$71,847,732
85$102,417,670$500,646$0$79,029,826
86$112,691,855$352,760$0$86,940,665
87$124,008,577$192,198$0$95,654,496
88$136,474,001$18,165$0$105,253,142
89$150,205,121$0$0$115,826,771
90$165,330,853$0$0$127,491,600
91$181,993,262$0$0$140,343,577
92$200,348,895$0$0$154,501,662
93$220,570,260$0$0$170,098,928
94$242,847,457$0$0$187,282,014
95$267,389,967$0$0$206,212,515
96$294,428,633$0$0$227,068,501
97$324,217,837$0$0$250,046,200
98$357,037,901$0$0$275,361,851
99$393,197,731$0$0$303,253,743
100$433,037,736$0$0$333,984,464