Can I retire at age 35 with 1,250,000?

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 $1,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$103,224$102,304$101,407$100,532$99,677$97,425
2 years$51,101$50,149$49,227$48,333$47,465$45,209
3 years$33,729$32,773$31,853$30,967$30,114$27,923
4 years$25,045$24,092$23,181$22,310$21,477$19,370
5 years$19,835$18,888$17,989$17,136$16,327$14,307
6 years$16,364$15,424$14,538$13,704$12,919$10,990
7 years$13,885$12,953$12,081$11,267$10,506$8,669
8 years$12,027$11,103$10,246$9,451$8,716$6,968
9 years$10,582$9,667$8,825$8,051$7,340$5,681
10 years$9,427$8,521$7,694$6,940$6,254$4,683
11 years$8,483$7,586$6,773$6,040$5,379$3,892
12 years$7,696$6,809$6,011$5,298$4,661$3,257
13 years$7,031$6,153$5,371$4,677$4,065$2,741
14 years$6,462$5,593$4,825$4,152$3,563$2,317
15 years$5,969$5,109$4,357$3,703$3,137$1,965
16 years$5,538$4,688$3,950$3,315$2,773$1,672
17 years$5,158$4,317$3,594$2,979$2,458$1,427
18 years$4,821$3,989$3,281$2,684$2,186$1,220
19 years$4,519$3,697$3,004$2,426$1,948$1,045
20 years$4,248$3,436$2,757$2,197$1,740$896
21 years$4,004$3,200$2,536$1,994$1,557$770
22 years$3,781$2,987$2,337$1,813$1,396$662
23 years$3,579$2,794$2,158$1,651$1,253$570
24 years$3,393$2,618$1,996$1,506$1,126$491
25 years$3,223$2,457$1,848$1,375$1,014$423
26 years$3,066$2,309$1,714$1,257$913$365
27 years$2,921$2,173$1,592$1,151$823$315
28 years$2,786$2,047$1,480$1,054$743$272
29 years$2,661$1,931$1,377$967$671$235
30 years$2,544$1,824$1,283$887$606$203
31 years$2,436$1,724$1,196$815$548$175
32 years$2,334$1,632$1,116$749$496$152
33 years$2,239$1,545$1,042$689$448$131
34 years$2,149$1,464$973$634$406$113
35 years$2,065$1,389$910$583$368$98
36 years$1,985$1,318$851$537$333$85
37 years$1,910$1,252$797$495$302$73
38 years$1,840$1,190$746$456$274$63
39 years$1,772$1,132$699$421$248$55
40 years$1,709$1,077$655$388$225$48
41 years$1,649$1,025$614$358$204$41
42 years$1,591$976$576$330$185$36
43 years$1,537$930$541$305$168$31
44 years$1,485$886$508$282$153$27
45 years$1,436$845$477$260$139$23
46 years$1,389$806$448$240$126$20
47 years$1,344$770$421$222$114$17
48 years$1,301$735$395$205$104$15
49 years$1,260$702$372$190$94$13
50 years$1,220$670$349$175$86$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,250,000, adding $6,403 every year, while hoping to spend $36,415 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: 74/19/7 Blend
34$1,250,000$1,250,000$1,250,000$1,250,000
35$1,384,105$1,317,855$1,298,480$1,484,734
36$1,486,538$1,343,684$1,303,233$1,577,710
37$1,598,199$1,369,559$1,306,926$1,674,298
38$1,719,991$1,395,443$1,309,483$1,779,071
39$1,852,907$1,421,296$1,310,828$1,892,824
40$1,998,040$1,447,077$1,310,878$2,016,436
41$2,156,596$1,472,739$1,309,548$2,150,874
42$2,329,899$1,498,234$1,306,748$2,297,203
43$2,519,409$1,523,508$1,302,384$2,456,594
44$2,726,733$1,548,504$1,296,358$2,630,340
45$2,953,640$1,573,160$1,288,566$2,819,865
46$3,202,077$1,597,411$1,278,899$3,026,735
47$3,474,191$1,621,186$1,267,244$3,252,679
48$3,772,344$1,644,410$1,253,482$3,499,600
49$4,099,137$1,667,000$1,237,489$3,769,593
50$4,457,437$1,688,871$1,219,133$4,064,970
51$4,850,400$1,709,930$1,198,277$4,388,276
52$5,281,501$1,730,077$1,174,780$4,742,315
53$5,754,570$1,749,207$1,148,491$5,130,179
54$6,273,825$1,767,206$1,119,254$5,555,273
55$6,843,910$1,783,954$1,086,904$6,021,350
56$7,469,944$1,799,323$1,051,270$6,532,545
57$8,157,564$1,813,176$1,012,174$7,093,415
58$8,912,980$1,825,366$969,426$7,708,983
59$9,743,034$1,835,739$922,832$8,384,783
60$10,655,263$1,844,130$872,186$9,126,913
61$11,657,970$1,850,362$817,275$9,942,094
62$12,760,303$1,854,250$757,874$10,837,733
63$13,972,341$1,855,595$693,749$11,821,992
64$15,305,187$1,854,186$624,657$12,903,868
65$16,771,074$1,849,800$550,341$14,093,272
66$18,383,482$1,842,198$470,536$15,401,132
67$20,157,261$1,831,130$384,962$16,839,486
68$22,108,773$1,816,327$293,330$18,421,603
69$24,256,047$1,797,506$195,336$20,162,108
70$26,618,946$1,774,366$90,662$22,077,117
71$29,219,358$1,746,589$0$24,184,390
72$32,081,398$1,713,838$0$26,505,074
73$35,231,639$1,675,754$0$29,066,496
74$38,699,359$1,631,959$0$31,885,681
75$42,516,820$1,582,052$0$34,988,856
76$46,719,572$1,525,608$0$38,404,927
77$51,346,785$1,462,179$0$42,165,747
78$56,441,620$1,391,290$0$46,306,418
79$62,051,639$1,312,436$0$50,865,627
80$68,229,248$1,225,088$0$55,886,002
81$75,032,196$1,128,682$0$61,414,527
82$82,524,117$1,022,624$0$67,502,973
83$90,775,132$906,287$0$74,208,398
84$99,862,506$779,007$0$81,593,680
85$109,871,385$640,081$0$89,728,111
86$120,895,591$488,769$0$98,688,055
87$133,038,511$324,289$0$108,557,666
88$146,414,074$145,814$0$119,429,686
89$161,147,821$0$0$131,406,318
90$177,378,096$0$0$144,610,130
91$195,257,344$0$0$159,189,098
92$214,953,556$0$0$175,249,725
93$236,651,851$0$0$192,942,971
94$260,556,222$0$0$212,435,189
95$286,891,464$0$0$233,909,691
96$315,905,294$0$0$257,568,485
97$347,870,688$0$0$283,634,177
98$383,088,458$0$0$312,352,071
99$421,890,093$0$0$343,992,487
100$464,640,882$0$0$378,853,312