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

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 $1,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$103,224$102,304$101,407$100,532$99,677$99,132
2 years$51,101$50,149$49,227$48,333$47,465$46,915
3 years$33,729$32,773$31,853$30,967$30,114$29,576
4 years$25,045$24,092$23,181$22,310$21,477$20,956
5 years$19,835$18,888$17,989$17,136$16,327$15,823
6 years$16,364$15,424$14,538$13,704$12,919$12,433
7 years$13,885$12,953$12,081$11,267$10,506$10,040
8 years$12,027$11,103$10,246$9,451$8,716$8,268
9 years$10,582$9,667$8,825$8,051$7,340$6,911
10 years$9,427$8,521$7,694$6,940$6,254$5,843
11 years$8,483$7,586$6,773$6,040$5,379$4,986
12 years$7,696$6,809$6,011$5,298$4,661$4,286
13 years$7,031$6,153$5,371$4,677$4,065$3,707
14 years$6,462$5,593$4,825$4,152$3,563$3,222
15 years$5,969$5,109$4,357$3,703$3,137$2,813
16 years$5,538$4,688$3,950$3,315$2,773$2,465
17 years$5,158$4,317$3,594$2,979$2,458$2,166
18 years$4,821$3,989$3,281$2,684$2,186$1,909
19 years$4,519$3,697$3,004$2,426$1,948$1,686
20 years$4,248$3,436$2,757$2,197$1,740$1,492
21 years$4,004$3,200$2,536$1,994$1,557$1,322
22 years$3,781$2,987$2,337$1,813$1,396$1,174
23 years$3,579$2,794$2,158$1,651$1,253$1,044
24 years$3,393$2,618$1,996$1,506$1,126$929
25 years$3,223$2,457$1,848$1,375$1,014$828
26 years$3,066$2,309$1,714$1,257$913$738
27 years$2,921$2,173$1,592$1,151$823$659
28 years$2,786$2,047$1,480$1,054$743$588
29 years$2,661$1,931$1,377$967$671$526
30 years$2,544$1,824$1,283$887$606$470
31 years$2,436$1,724$1,196$815$548$421
32 years$2,334$1,632$1,116$749$496$377
33 years$2,239$1,545$1,042$689$448$337
34 years$2,149$1,464$973$634$406$302
35 years$2,065$1,389$910$583$368$271
36 years$1,985$1,318$851$537$333$243
37 years$1,910$1,252$797$495$302$217
38 years$1,840$1,190$746$456$274$195
39 years$1,772$1,132$699$421$248$175
40 years$1,709$1,077$655$388$225$157
41 years$1,649$1,025$614$358$204$141
42 years$1,591$976$576$330$185$126
43 years$1,537$930$541$305$168$113
44 years$1,485$886$508$282$153$102
45 years$1,436$845$477$260$139$91
46 years$1,389$806$448$240$126$82
47 years$1,344$770$421$222$114$74
48 years$1,301$735$395$205$104$66
49 years$1,260$702$372$190$94$59
50 years$1,220$670$349$175$86$53

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 $2,971 every year, while hoping to spend $56,047 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: 70/6/24 Blend
34$1,250,000$1,250,000$1,250,000$1,250,000
35$1,380,565$1,314,315$1,294,940$1,468,635
36$1,461,749$1,319,082$1,278,686$1,532,694
37$1,549,335$1,322,205$1,260,010$1,595,977
38$1,643,917$1,323,544$1,238,771$1,663,914
39$1,746,149$1,322,949$1,214,822$1,736,962
40$1,856,746$1,320,264$1,188,008$1,815,626
41$1,976,497$1,315,320$1,158,170$1,900,466
42$2,106,270$1,307,941$1,125,139$1,992,095
43$2,247,017$1,297,937$1,088,738$2,091,195
44$2,399,786$1,285,109$1,048,784$2,198,516
45$2,565,730$1,269,246$1,005,084$2,314,886
46$2,746,117$1,250,121$957,437$2,441,219
47$2,942,343$1,227,499$905,633$2,578,525
48$3,155,940$1,201,125$849,450$2,727,917
49$3,388,600$1,170,734$788,661$2,890,623
50$3,642,179$1,136,042$723,023$3,068,002
51$3,918,724$1,096,750$652,287$3,261,549
52$4,220,485$1,052,543$576,190$3,472,917
53$4,549,941$1,003,083$494,458$3,703,927
54$4,909,818$948,018$406,806$3,956,591
55$5,303,120$886,971$312,934$4,233,129
56$5,733,153$819,547$212,532$4,535,987
57$6,203,556$745,326$105,273$4,867,868
58$6,718,337$663,866$0$5,231,751
59$7,281,909$574,697$0$5,633,276
60$7,899,133$477,326$0$6,102,638
61$8,575,359$371,229$0$6,616,946
62$9,316,481$255,855$0$7,180,710
63$10,128,990$130,620$0$7,798,901
64$11,020,036$0$0$8,476,993
65$11,997,491$0$0$9,221,355
66$13,070,030$0$0$10,047,655
67$14,247,204$0$0$10,954,639
68$15,539,537$0$0$11,950,422
69$16,958,621$0$0$13,043,944
70$18,517,223$0$0$14,245,055
71$20,229,411$0$0$15,564,604
72$22,110,681$0$0$17,014,544
73$24,178,102$0$0$18,608,042
74$26,450,483$0$0$20,359,603
75$28,948,542$0$0$22,285,211
76$31,695,107$0$0$24,402,472
77$34,715,327$0$0$26,730,784
78$38,036,909$0$0$29,291,521
79$41,690,383$0$0$32,108,231
80$45,709,382$0$0$35,206,858
81$50,130,967$0$0$38,615,988
82$54,995,969$0$0$42,367,117
83$60,349,379$0$0$46,494,948
84$66,240,766$0$0$51,037,719
85$72,724,751$0$0$56,037,563
86$79,861,516$0$0$61,540,900
87$87,717,375$0$0$67,598,885
88$96,365,396$0$0$74,267,880
89$105,886,092$0$0$81,609,991
90$116,368,178$0$0$89,693,651
91$127,909,411$0$0$98,594,266
92$140,617,508$0$0$108,394,928
93$154,611,163$0$0$119,187,194
94$170,021,167$0$0$131,071,956
95$186,991,641$0$0$144,160,384
96$205,681,394$0$0$158,574,984
97$226,265,426$0$0$174,450,745
98$248,936,572$0$0$191,936,419
99$273,907,325$0$0$211,195,921
100$301,411,840$0$0$232,409,874