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%18.8%
1 years$103,224$102,304$101,407$100,532$99,677$96,140
2 years$51,101$50,149$49,227$48,333$47,465$43,940
3 years$33,729$32,773$31,853$30,967$30,114$26,710
4 years$25,045$24,092$23,181$22,310$21,477$18,222
5 years$19,835$18,888$17,989$17,136$16,327$13,228
6 years$16,364$15,424$14,538$13,704$12,919$9,979
7 years$13,885$12,953$12,081$11,267$10,506$7,725
8 years$12,027$11,103$10,246$9,451$8,716$6,090
9 years$10,582$9,667$8,825$8,051$7,340$4,867
10 years$9,427$8,521$7,694$6,940$6,254$3,929
11 years$8,483$7,586$6,773$6,040$5,379$3,198
12 years$7,696$6,809$6,011$5,298$4,661$2,618
13 years$7,031$6,153$5,371$4,677$4,065$2,155
14 years$6,462$5,593$4,825$4,152$3,563$1,780
15 years$5,969$5,109$4,357$3,703$3,137$1,475
16 years$5,538$4,688$3,950$3,315$2,773$1,226
17 years$5,158$4,317$3,594$2,979$2,458$1,021
18 years$4,821$3,989$3,281$2,684$2,186$852
19 years$4,519$3,697$3,004$2,426$1,948$712
20 years$4,248$3,436$2,757$2,197$1,740$595
21 years$4,004$3,200$2,536$1,994$1,557$499
22 years$3,781$2,987$2,337$1,813$1,396$418
23 years$3,579$2,794$2,158$1,651$1,253$350
24 years$3,393$2,618$1,996$1,506$1,126$294
25 years$3,223$2,457$1,848$1,375$1,014$247
26 years$3,066$2,309$1,714$1,257$913$207
27 years$2,921$2,173$1,592$1,151$823$174
28 years$2,786$2,047$1,480$1,054$743$146
29 years$2,661$1,931$1,377$967$671$123
30 years$2,544$1,824$1,283$887$606$104
31 years$2,436$1,724$1,196$815$548$87
32 years$2,334$1,632$1,116$749$496$73
33 years$2,239$1,545$1,042$689$448$62
34 years$2,149$1,464$973$634$406$52
35 years$2,065$1,389$910$583$368$44
36 years$1,985$1,318$851$537$333$37
37 years$1,910$1,252$797$495$302$31
38 years$1,840$1,190$746$456$274$26
39 years$1,772$1,132$699$421$248$22
40 years$1,709$1,077$655$388$225$18
41 years$1,649$1,025$614$358$204$15
42 years$1,591$976$576$330$185$13
43 years$1,537$930$541$305$168$11
44 years$1,485$886$508$282$153$9
45 years$1,436$845$477$260$139$8
46 years$1,389$806$448$240$126$7
47 years$1,344$770$421$222$114$6
48 years$1,301$735$395$205$104$5
49 years$1,260$702$372$190$94$4
50 years$1,220$670$349$175$86$3

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 $2,753 every year, while hoping to spend $27,756 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: 66/21/13 Blend
34$1,250,000$1,250,000$1,250,000$1,250,000
35$1,380,340$1,314,090$1,294,715$1,467,148
36$1,491,602$1,348,948$1,308,555$1,560,263
37$1,613,283$1,384,584$1,321,930$1,658,488
38$1,746,416$1,421,007$1,334,792$1,765,148
39$1,892,139$1,458,224$1,347,096$1,881,068
40$2,051,704$1,496,244$1,358,791$2,007,154
41$2,226,492$1,535,074$1,369,825$2,144,403
42$2,418,022$1,574,721$1,380,142$2,293,916
43$2,627,968$1,615,189$1,389,684$2,456,902
44$2,858,172$1,656,485$1,398,389$2,634,695
45$3,110,664$1,698,612$1,406,195$2,828,765
46$3,387,682$1,741,574$1,413,032$3,040,729
47$3,691,686$1,785,372$1,418,829$3,272,368
48$4,025,391$1,830,007$1,423,512$3,525,647
49$4,391,783$1,875,480$1,427,003$3,802,729
50$4,794,155$1,921,789$1,429,218$4,105,995
51$5,236,134$1,968,932$1,430,071$4,438,072
52$5,721,713$2,016,902$1,429,472$4,801,852
53$6,255,292$2,065,696$1,427,324$5,200,521
54$6,841,721$2,115,304$1,423,529$5,637,590
55$7,486,340$2,165,717$1,417,980$6,116,927
56$8,195,033$2,216,924$1,410,569$6,642,796
57$8,974,283$2,268,910$1,401,180$7,219,892
58$9,831,233$2,321,659$1,389,691$7,853,391
59$10,773,750$2,375,152$1,375,978$8,548,996
60$11,810,506$2,429,368$1,359,907$9,312,989
61$12,951,053$2,484,282$1,341,339$10,152,294
62$14,205,916$2,539,867$1,320,129$11,074,541
63$15,586,691$2,596,092$1,296,125$12,088,138
64$17,106,156$2,652,923$1,269,167$13,202,349
65$18,778,389$2,710,322$1,239,090$14,427,383
66$20,618,904$2,768,246$1,205,719$15,774,490
67$22,644,792$2,826,651$1,168,870$17,256,068
68$24,874,888$2,885,484$1,128,354$18,885,777
69$27,329,944$2,944,690$1,083,972$20,678,674
70$30,032,827$3,004,208$1,035,513$22,651,347
71$33,008,734$3,063,973$982,761$24,822,081
72$36,285,428$3,123,911$925,488$27,211,021
73$39,893,505$3,183,946$863,454$29,840,370
74$43,866,674$3,243,991$796,412$32,734,596
75$48,242,084$3,303,956$724,101$35,920,661
76$53,060,668$3,363,740$646,249$39,428,279
77$58,367,530$3,423,238$562,573$43,290,195
78$64,212,375$3,482,333$472,776$47,542,492
79$70,649,971$3,540,902$376,548$52,224,939
80$77,740,673$3,598,811$273,567$57,381,358
81$85,550,985$3,655,915$163,495$63,060,043
82$94,154,192$3,712,062$45,979$69,314,216
83$103,631,053$3,767,086$0$76,202,526
84$114,070,556$3,820,810$0$83,800,627
85$125,570,768$3,873,044$0$92,176,252
86$138,239,748$3,923,585$0$101,401,565
87$152,196,579$3,972,217$0$111,563,131
88$167,572,482$4,018,708$0$122,756,337
89$184,512,060$4,062,810$0$135,086,302
90$203,174,662$4,104,260$0$148,668,865
91$223,735,884$4,142,775$0$163,631,677
92$246,389,229$4,178,056$0$180,115,412
93$271,347,933$4,209,782$0$198,275,088
94$298,846,974$4,237,614$0$218,281,536
95$329,145,297$4,261,188$0$240,323,011
96$362,528,250$4,280,120$0$264,606,967
97$399,310,284$4,293,998$0$291,362,020
98$439,837,916$4,302,387$0$320,840,102
99$484,493,003$4,304,823$0$353,318,843
100$533,696,345$4,300,815$0$389,104,191