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%17.7%
1 years$103,224$102,304$101,407$100,532$99,677$96,563
2 years$51,101$50,149$49,227$48,333$47,465$44,356
3 years$33,729$32,773$31,853$30,967$30,114$27,107
4 years$25,045$24,092$23,181$22,310$21,477$18,595
5 years$19,835$18,888$17,989$17,136$16,327$13,578
6 years$16,364$15,424$14,538$13,704$12,919$10,305
7 years$13,885$12,953$12,081$11,267$10,506$8,027
8 years$12,027$11,103$10,246$9,451$8,716$6,370
9 years$10,582$9,667$8,825$8,051$7,340$5,125
10 years$9,427$8,521$7,694$6,940$6,254$4,166
11 years$8,483$7,586$6,773$6,040$5,379$3,415
12 years$7,696$6,809$6,011$5,298$4,661$2,817
13 years$7,031$6,153$5,371$4,677$4,065$2,335
14 years$6,462$5,593$4,825$4,152$3,563$1,944
15 years$5,969$5,109$4,357$3,703$3,137$1,624
16 years$5,538$4,688$3,950$3,315$2,773$1,360
17 years$5,158$4,317$3,594$2,979$2,458$1,142
18 years$4,821$3,989$3,281$2,684$2,186$961
19 years$4,519$3,697$3,004$2,426$1,948$809
20 years$4,248$3,436$2,757$2,197$1,740$683
21 years$4,004$3,200$2,536$1,994$1,557$577
22 years$3,781$2,987$2,337$1,813$1,396$487
23 years$3,579$2,794$2,158$1,651$1,253$412
24 years$3,393$2,618$1,996$1,506$1,126$349
25 years$3,223$2,457$1,848$1,375$1,014$296
26 years$3,066$2,309$1,714$1,257$913$251
27 years$2,921$2,173$1,592$1,151$823$212
28 years$2,786$2,047$1,480$1,054$743$180
29 years$2,661$1,931$1,377$967$671$153
30 years$2,544$1,824$1,283$887$606$130
31 years$2,436$1,724$1,196$815$548$110
32 years$2,334$1,632$1,116$749$496$93
33 years$2,239$1,545$1,042$689$448$79
34 years$2,149$1,464$973$634$406$67
35 years$2,065$1,389$910$583$368$57
36 years$1,985$1,318$851$537$333$49
37 years$1,910$1,252$797$495$302$41
38 years$1,840$1,190$746$456$274$35
39 years$1,772$1,132$699$421$248$30
40 years$1,709$1,077$655$388$225$25
41 years$1,649$1,025$614$358$204$21
42 years$1,591$976$576$330$185$18
43 years$1,537$930$541$305$168$15
44 years$1,485$886$508$282$153$13
45 years$1,436$845$477$260$139$11
46 years$1,389$806$448$240$126$9
47 years$1,344$770$421$222$114$8
48 years$1,301$735$395$205$104$7
49 years$1,260$702$372$190$94$6
50 years$1,220$670$349$175$86$5

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 $4,983 every year, while hoping to spend $48,009 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: 58/35/7 Blend
34$1,250,000$1,250,000$1,250,000$1,250,000
35$1,382,640$1,316,390$1,297,015$1,460,469
36$1,472,588$1,329,812$1,289,384$1,526,758
37$1,570,102$1,342,282$1,279,888$1,593,103
38$1,675,902$1,353,704$1,268,414$1,664,220
39$1,790,782$1,363,974$1,254,844$1,740,570
40$1,915,614$1,372,980$1,239,053$1,822,661
41$2,051,357$1,380,607$1,220,912$1,911,054
42$2,199,067$1,386,728$1,200,284$2,006,367
43$2,359,905$1,391,211$1,177,027$2,109,284
44$2,535,149$1,393,915$1,150,991$2,220,560
45$2,726,207$1,394,688$1,122,021$2,341,026
46$2,934,624$1,393,373$1,089,954$2,471,603
47$3,162,107$1,389,799$1,054,618$2,613,305
48$3,410,529$1,383,786$1,015,835$2,767,251
49$3,681,956$1,375,145$973,419$2,934,678
50$3,978,660$1,363,672$927,173$3,116,951
51$4,303,145$1,349,152$876,894$3,315,576
52$4,658,164$1,331,360$822,369$3,532,214
53$5,046,752$1,310,052$763,374$3,768,701
54$5,472,251$1,284,974$699,677$4,027,062
55$5,938,338$1,255,856$631,033$4,309,530
56$6,449,066$1,222,409$557,190$4,618,573
57$7,008,895$1,184,333$477,881$4,956,912
58$7,622,742$1,141,304$392,829$5,327,549
59$8,296,017$1,092,983$301,744$5,733,800
60$9,034,682$1,039,011$204,324$6,179,320
61$9,845,304$979,007$100,253$6,668,144
62$10,735,116$912,569$0$7,204,724
63$11,712,085$839,272$0$7,794,779
64$12,784,987$758,666$0$8,450,964
65$13,963,490$670,275$0$9,171,788
66$15,258,246$573,598$0$9,963,874
67$16,680,987$468,104$0$10,834,527
68$18,244,639$353,233$0$11,791,802
69$19,963,442$228,392$0$12,844,585
70$21,853,086$92,955$0$14,002,672
71$23,930,854$0$0$15,276,870
72$26,215,791$0$0$16,699,790
73$28,728,877$0$0$18,304,281
74$31,493,229$0$0$20,069,315
75$34,534,316$0$0$22,011,169
76$37,880,200$0$0$24,147,778
77$41,561,800$0$0$26,498,903
78$45,613,186$0$0$29,086,315
79$50,071,893$0$0$31,934,007
80$54,979,283$0$0$35,068,411
81$60,380,928$0$0$38,518,654
82$66,327,044$0$0$42,316,829
83$72,872,963$0$0$46,498,300
84$80,079,653$0$0$51,102,034
85$88,014,296$0$0$56,170,968
86$96,750,917$0$0$61,752,413
87$106,371,088$0$0$67,898,504
88$116,964,690$0$0$74,666,687
89$128,630,769$0$0$82,120,265
90$141,478,461$0$0$90,328,991
91$155,628,029$0$0$99,369,730
92$171,211,994$0$0$109,327,181
93$188,376,386$0$0$120,294,676
94$207,282,120$0$0$132,375,064
95$228,106,516$0$0$145,681,677
96$251,044,972$0$0$160,339,401
97$276,312,805$0$0$176,485,857
98$304,147,287$0$0$194,272,693
99$334,809,879$0$0$213,867,024
100$368,588,701$0$0$235,452,999