Can I retire at age 35 with 1,260,000?

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 $1,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$104,050$103,123$102,219$101,336$100,474$99,716
2 years$51,510$50,550$49,621$48,719$47,845$47,080
3 years$33,999$33,035$32,108$31,215$30,355$29,607
4 years$25,245$24,284$23,366$22,489$21,649$20,925
5 years$19,994$19,039$18,133$17,273$16,457$15,759
6 years$16,495$15,547$14,654$13,814$13,022$12,350
7 years$13,996$13,056$12,178$11,357$10,591$9,945
8 years$12,123$11,192$10,328$9,527$8,786$8,167
9 years$10,667$9,744$8,895$8,115$7,399$6,806
10 years$9,502$8,589$7,755$6,995$6,304$5,737
11 years$8,551$7,646$6,827$6,088$5,422$4,881
12 years$7,758$6,863$6,059$5,340$4,699$4,182
13 years$7,088$6,202$5,414$4,714$4,097$3,606
14 years$6,514$5,638$4,864$4,185$3,592$3,124
15 years$6,017$5,150$4,392$3,732$3,162$2,718
16 years$5,582$4,725$3,982$3,342$2,795$2,373
17 years$5,199$4,352$3,623$3,003$2,478$2,079
18 years$4,859$4,021$3,307$2,706$2,203$1,825
19 years$4,555$3,727$3,028$2,445$1,964$1,606
20 years$4,282$3,463$2,779$2,214$1,754$1,416
21 years$4,036$3,226$2,556$2,010$1,570$1,251
22 years$3,811$3,011$2,356$1,827$1,407$1,107
23 years$3,607$2,816$2,175$1,664$1,263$980
24 years$3,420$2,639$2,012$1,518$1,135$869
25 years$3,248$2,476$1,863$1,386$1,022$771
26 years$3,090$2,327$1,728$1,267$920$685
27 years$2,944$2,190$1,605$1,160$830$609
28 years$2,808$2,064$1,492$1,063$749$542
29 years$2,682$1,947$1,388$975$676$482
30 years$2,565$1,839$1,293$895$611$429
31 years$2,455$1,738$1,205$822$552$383
32 years$2,353$1,645$1,125$755$500$341
33 years$2,256$1,558$1,050$694$452$304
34 years$2,166$1,476$981$639$409$271
35 years$2,081$1,400$917$588$371$242
36 years$2,001$1,329$858$542$336$216
37 years$1,926$1,262$803$499$304$193
38 years$1,854$1,200$752$460$276$172
39 years$1,787$1,141$705$424$250$154
40 years$1,723$1,085$660$391$227$137
41 years$1,662$1,033$619$361$206$123
42 years$1,604$984$581$333$187$110
43 years$1,549$937$545$307$170$98
44 years$1,497$894$512$284$154$88
45 years$1,447$852$480$262$140$78
46 years$1,400$813$451$242$127$70
47 years$1,355$776$424$224$115$63
48 years$1,311$740$398$207$105$56
49 years$1,270$707$374$191$95$50
50 years$1,230$675$352$177$86$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,260,000, adding $4,954 every year, while hoping to spend $41,732 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: 49/36/15 Blend
34$1,260,000$1,260,000$1,260,000$1,260,000
35$1,393,630$1,326,850$1,307,320$1,455,900
36$1,491,378$1,347,463$1,306,713$1,519,969
37$1,597,697$1,367,688$1,304,686$1,584,804
38$1,713,418$1,387,460$1,301,149$1,654,315
39$1,839,455$1,406,714$1,296,006$1,728,954
40$1,976,812$1,425,376$1,289,155$1,809,221
41$2,126,596$1,443,368$1,280,491$1,895,668
42$2,290,025$1,460,610$1,269,903$1,988,905
43$2,468,439$1,477,011$1,257,277$2,089,603
44$2,663,313$1,492,478$1,242,489$2,198,506
45$2,876,272$1,506,910$1,225,413$2,316,433
46$3,109,104$1,520,201$1,205,917$2,444,288
47$3,363,777$1,532,235$1,183,860$2,583,071
48$3,642,460$1,542,892$1,159,096$2,733,882
49$3,947,539$1,552,042$1,131,474$2,897,940
50$4,281,643$1,559,547$1,100,833$3,076,585
51$4,647,666$1,565,260$1,067,007$3,271,301
52$5,048,797$1,569,027$1,029,820$3,483,722
53$5,488,545$1,570,680$989,090$3,715,655
54$5,970,778$1,570,045$944,626$3,969,090
55$6,499,754$1,566,934$896,228$4,246,227
56$7,080,165$1,561,150$843,687$4,549,491
57$7,717,177$1,552,481$786,786$4,881,558
58$8,416,481$1,540,705$725,295$5,245,384
59$9,184,347$1,525,584$658,978$5,644,226
60$10,027,681$1,506,868$587,584$6,081,681
61$10,954,091$1,484,291$510,855$6,561,717
62$11,971,958$1,457,571$428,517$7,088,710
63$13,090,514$1,426,409$340,289$7,667,490
64$14,319,932$1,390,488$245,874$8,303,384
65$15,671,417$1,349,474$144,963$9,002,269
66$17,157,315$1,303,012$37,234$9,770,627
67$18,791,229$1,250,727$0$10,615,611
68$20,588,143$1,192,222$0$11,557,548
69$22,564,570$1,127,077$0$12,599,867
70$24,738,700$1,054,847$0$13,746,256
71$27,130,576$975,063$0$15,007,361
72$29,762,282$887,229$0$16,394,918
73$32,658,150$790,819$0$17,921,869
74$35,844,991$685,278$0$19,602,480
75$39,352,344$570,021$0$21,452,480
76$43,212,759$444,428$0$23,489,212
77$47,462,100$307,844$0$25,731,794
78$52,139,886$159,580$0$28,201,303
79$57,289,660$0$0$30,920,977
80$62,959,404$0$0$33,916,867
81$69,201,987$0$0$37,285,218
82$76,075,666$0$0$40,994,269
83$83,644,635$0$0$45,078,682
84$91,979,630$0$0$49,576,649
85$101,158,598$0$0$54,530,256
86$111,267,426$0$0$59,985,880
87$122,400,761$0$0$65,994,625
88$134,662,894$0$0$72,612,802
89$148,168,748$0$0$79,902,466
90$163,044,961$0$0$87,931,994
91$179,431,083$0$0$96,776,738
92$197,480,888$0$0$106,519,729
93$217,363,831$0$0$117,252,466
94$239,266,640$0$0$129,075,776
95$263,395,084$0$0$142,100,766
96$289,975,912$0$0$156,449,871
97$319,258,992$0$0$172,258,012
98$351,519,671$0$0$189,673,866
99$387,061,371$0$0$208,861,272
100$426,218,455$0$0$230,000,774