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%20%
1 years$104,050$103,123$102,219$101,336$100,474$96,450
2 years$51,510$50,550$49,621$48,719$47,845$43,841
3 years$33,999$33,035$32,108$31,215$30,355$26,497
4 years$25,245$24,284$23,366$22,489$21,649$17,968
5 years$19,994$19,039$18,133$17,273$16,457$12,961
6 years$16,495$15,547$14,654$13,814$13,022$9,713
7 years$13,996$13,056$12,178$11,357$10,591$7,468
8 years$12,123$11,192$10,328$9,527$8,786$5,846
9 years$10,667$9,744$8,895$8,115$7,399$4,637
10 years$9,502$8,589$7,755$6,995$6,304$3,716
11 years$8,551$7,646$6,827$6,088$5,422$3,000
12 years$7,758$6,863$6,059$5,340$4,699$2,437
13 years$7,088$6,202$5,414$4,714$4,097$1,989
14 years$6,514$5,638$4,864$4,185$3,592$1,629
15 years$6,017$5,150$4,392$3,732$3,162$1,339
16 years$5,582$4,725$3,982$3,342$2,795$1,103
17 years$5,199$4,352$3,623$3,003$2,478$910
18 years$4,859$4,021$3,307$2,706$2,203$753
19 years$4,555$3,727$3,028$2,445$1,964$623
20 years$4,282$3,463$2,779$2,214$1,754$517
21 years$4,036$3,226$2,556$2,010$1,570$429
22 years$3,811$3,011$2,356$1,827$1,407$356
23 years$3,607$2,816$2,175$1,664$1,263$296
24 years$3,420$2,639$2,012$1,518$1,135$246
25 years$3,248$2,476$1,863$1,386$1,022$204
26 years$3,090$2,327$1,728$1,267$920$170
27 years$2,944$2,190$1,605$1,160$830$141
28 years$2,808$2,064$1,492$1,063$749$118
29 years$2,682$1,947$1,388$975$676$98
30 years$2,565$1,839$1,293$895$611$82
31 years$2,455$1,738$1,205$822$552$68
32 years$2,353$1,645$1,125$755$500$57
33 years$2,256$1,558$1,050$694$452$47
34 years$2,166$1,476$981$639$409$39
35 years$2,081$1,400$917$588$371$33
36 years$2,001$1,329$858$542$336$27
37 years$1,926$1,262$803$499$304$23
38 years$1,854$1,200$752$460$276$19
39 years$1,787$1,141$705$424$250$16
40 years$1,723$1,085$660$391$227$13
41 years$1,662$1,033$619$361$206$11
42 years$1,604$984$581$333$187$9
43 years$1,549$937$545$307$170$8
44 years$1,497$894$512$284$154$6
45 years$1,447$852$480$262$140$5
46 years$1,400$813$451$242$127$4
47 years$1,355$776$424$224$115$4
48 years$1,311$740$398$207$105$3
49 years$1,270$707$374$191$95$3
50 years$1,230$675$352$177$86$2

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 $5,450 every year, while hoping to spend $31,230 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: 34/47/19 Blend
34$1,260,000$1,260,000$1,260,000$1,260,000
35$1,394,142$1,327,362$1,307,832$1,433,238
36$1,503,116$1,359,174$1,318,416$1,494,321
37$1,622,158$1,391,498$1,328,307$1,556,870
38$1,752,264$1,424,327$1,337,451$1,623,668
39$1,894,526$1,457,650$1,345,787$1,695,108
40$2,050,150$1,491,458$1,353,253$1,771,626
41$2,220,463$1,525,737$1,359,785$1,853,698
42$2,406,926$1,560,474$1,365,313$1,941,852
43$2,611,147$1,595,652$1,369,766$2,036,668
44$2,834,899$1,631,253$1,373,068$2,138,788
45$3,080,131$1,667,257$1,375,138$2,248,915
46$3,348,994$1,703,642$1,375,894$2,367,828
47$3,643,853$1,740,382$1,375,249$2,496,385
48$3,967,315$1,777,450$1,373,109$2,635,530
49$4,322,252$1,814,816$1,369,379$2,786,305
50$4,711,827$1,852,447$1,363,958$2,949,859
51$5,139,521$1,890,305$1,356,739$3,127,459
52$5,609,175$1,928,352$1,347,612$3,320,502
53$6,125,013$1,966,544$1,336,459$3,530,526
54$6,691,694$2,004,834$1,323,160$3,759,230
55$7,314,347$2,043,171$1,307,586$4,008,486
56$7,998,623$2,081,500$1,289,604$4,280,358
57$8,750,750$2,119,760$1,269,072$4,577,121
58$9,577,586$2,157,888$1,245,846$4,901,286
59$10,486,688$2,195,813$1,219,770$5,255,619
60$11,486,383$2,233,460$1,190,685$5,643,172
61$12,585,843$2,270,749$1,158,422$6,067,308
62$13,795,176$2,307,592$1,122,806$6,531,737
63$15,125,516$2,343,896$1,083,652$7,040,550
64$16,589,132$2,379,561$1,040,768$7,598,255
65$18,199,543$2,414,479$993,953$8,209,827
66$19,971,643$2,448,535$942,997$8,880,747
67$21,921,843$2,481,606$887,680$9,617,060
68$24,068,226$2,513,560$827,773$10,425,433
69$26,430,717$2,544,256$763,034$11,313,213
70$29,031,268$2,573,543$693,214$12,288,504
71$31,894,072$2,601,260$618,051$13,360,238
72$35,045,782$2,627,237$537,270$14,538,264
73$38,515,769$2,651,289$450,587$15,833,441
74$42,336,398$2,673,223$357,702$17,257,740
75$46,543,330$2,692,830$258,304$18,824,360
76$51,175,861$2,709,889$152,068$20,547,851
77$56,277,290$2,724,166$38,654$22,444,254
78$61,895,332$2,735,408$0$24,531,255
79$68,082,564$2,743,351$0$26,845,049
80$74,896,922$2,747,712$0$29,399,877
81$82,402,247$2,748,189$0$32,211,665
82$90,668,889$2,744,463$0$35,306,615
83$99,774,370$2,736,195$0$38,713,603
84$109,804,113$2,723,026$0$42,464,460
85$120,852,251$2,704,574$0$46,594,265
86$133,022,516$2,680,433$0$51,141,685
87$146,429,213$2,650,174$0$56,149,335
88$161,198,302$2,613,342$0$61,664,185
89$177,468,588$2,569,455$0$67,738,003
90$195,393,026$2,518,001$0$74,427,847
91$215,140,171$2,458,439$0$81,796,602
92$236,895,762$2,390,196$0$89,913,578
93$260,864,478$2,312,664$0$98,855,165
94$287,271,873$2,225,203$0$108,705,555
95$316,366,496$2,127,130$0$119,557,540
96$348,422,248$2,017,729$0$131,513,387
97$383,740,957$1,896,237$0$144,685,812
98$422,655,233$1,761,851$0$159,199,038
99$465,531,605$1,613,720$0$175,189,977
100$512,773,981$1,450,944$0$192,809,520