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%
1 years$104,050$103,123$102,219$101,336$100,474$100,051
2 years$51,510$50,550$49,621$48,719$47,845$47,417
3 years$33,999$33,035$32,108$31,215$30,355$29,937
4 years$25,245$24,284$23,366$22,489$21,649$21,243
5 years$19,994$19,039$18,133$17,273$16,457$16,065
6 years$16,495$15,547$14,654$13,814$13,022$12,644
7 years$13,996$13,056$12,178$11,357$10,591$10,227
8 years$12,123$11,192$10,328$9,527$8,786$8,436
9 years$10,667$9,744$8,895$8,115$7,399$7,064
10 years$9,502$8,589$7,755$6,995$6,304$5,983
11 years$8,551$7,646$6,827$6,088$5,422$5,115
12 years$7,758$6,863$6,059$5,340$4,699$4,405
13 years$7,088$6,202$5,414$4,714$4,097$3,817
14 years$6,514$5,638$4,864$4,185$3,592$3,325
15 years$6,017$5,150$4,392$3,732$3,162$2,908
16 years$5,582$4,725$3,982$3,342$2,795$2,553
17 years$5,199$4,352$3,623$3,003$2,478$2,248
18 years$4,859$4,021$3,307$2,706$2,203$1,985
19 years$4,555$3,727$3,028$2,445$1,964$1,757
20 years$4,282$3,463$2,779$2,214$1,754$1,558
21 years$4,036$3,226$2,556$2,010$1,570$1,384
22 years$3,811$3,011$2,356$1,827$1,407$1,232
23 years$3,607$2,816$2,175$1,664$1,263$1,098
24 years$3,420$2,639$2,012$1,518$1,135$979
25 years$3,248$2,476$1,863$1,386$1,022$874
26 years$3,090$2,327$1,728$1,267$920$782
27 years$2,944$2,190$1,605$1,160$830$699
28 years$2,808$2,064$1,492$1,063$749$626
29 years$2,682$1,947$1,388$975$676$561
30 years$2,565$1,839$1,293$895$611$503
31 years$2,455$1,738$1,205$822$552$451
32 years$2,353$1,645$1,125$755$500$405
33 years$2,256$1,558$1,050$694$452$363
34 years$2,166$1,476$981$639$409$326
35 years$2,081$1,400$917$588$371$293
36 years$2,001$1,329$858$542$336$263
37 years$1,926$1,262$803$499$304$237
38 years$1,854$1,200$752$460$276$213
39 years$1,787$1,141$705$424$250$191
40 years$1,723$1,085$660$391$227$172
41 years$1,662$1,033$619$361$206$155
42 years$1,604$984$581$333$187$139
43 years$1,549$937$545$307$170$125
44 years$1,497$894$512$284$154$113
45 years$1,447$852$480$262$140$101
46 years$1,400$813$451$242$127$91
47 years$1,355$776$424$224$115$82
48 years$1,311$740$398$207$105$74
49 years$1,270$707$374$191$95$67
50 years$1,230$675$352$177$86$60

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 $6,363 every year, while hoping to spend $31,376 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: 41/50/9 Blend
34$1,260,000$1,260,000$1,260,000$1,260,000
35$1,395,083$1,328,303$1,308,773$1,448,302
36$1,503,998$1,360,006$1,319,234$1,517,883
37$1,622,971$1,392,211$1,328,992$1,589,509
38$1,752,993$1,424,910$1,337,994$1,666,319
39$1,895,160$1,458,091$1,346,177$1,748,795
40$2,050,673$1,491,745$1,353,481$1,837,469
41$2,220,858$1,525,856$1,359,839$1,932,928
42$2,407,174$1,560,412$1,365,182$2,035,816
43$2,611,227$1,595,394$1,369,437$2,146,843
44$2,834,788$1,630,783$1,372,529$2,266,792
45$3,079,803$1,666,559$1,374,376$2,396,524
46$3,348,421$1,702,698$1,374,895$2,536,990
47$3,643,003$1,739,173$1,373,997$2,689,236
48$3,966,153$1,775,957$1,371,590$2,854,413
49$4,320,739$1,813,017$1,367,577$3,033,793
50$4,709,919$1,850,319$1,361,855$3,228,774
51$5,137,172$1,887,826$1,354,319$3,440,900
52$5,606,331$1,925,497$1,344,855$3,671,869
53$6,121,616$1,963,285$1,333,347$3,923,555
54$6,687,679$2,001,144$1,319,672$4,198,022
55$7,309,642$2,039,021$1,303,701$4,497,545
56$7,993,150$2,076,857$1,285,300$4,824,633
57$8,744,420$2,114,592$1,264,327$5,182,048
58$9,570,303$2,152,159$1,240,634$5,572,839
59$10,478,346$2,189,486$1,214,066$6,000,362
60$11,476,862$2,226,497$1,184,463$6,468,319
61$12,575,014$2,263,107$1,151,654$6,980,790
62$13,782,894$2,299,228$1,115,463$7,542,271
63$15,111,622$2,334,763$1,075,705$8,157,721
64$16,573,452$2,369,610$1,032,184$8,832,602
65$18,181,881$2,403,659$984,700$9,572,938
66$19,951,786$2,436,791$933,040$10,385,369
67$21,899,555$2,468,880$876,984$11,277,211
68$24,043,245$2,499,791$816,299$12,256,532
69$26,402,755$2,529,380$750,743$13,332,224
70$29,000,009$2,557,492$680,066$14,514,089
71$31,859,163$2,583,963$604,002$15,812,931
72$35,006,838$2,608,617$522,277$17,240,659
73$38,472,365$2,631,268$434,601$18,810,400
74$42,288,061$2,651,716$340,676$20,536,627
75$46,489,542$2,669,749$240,187$22,435,288
76$51,116,049$2,685,140$132,807$24,523,965
77$56,210,824$2,697,649$18,194$26,822,039
78$61,821,515$2,707,021$0$29,350,870
79$68,000,628$2,712,984$0$32,144,004
80$74,806,020$2,715,248$0$35,219,909
81$82,301,446$2,713,507$0$38,605,482
82$90,557,159$2,707,435$0$42,332,293
83$99,650,576$2,696,686$0$46,435,139
84$109,667,004$2,680,893$0$50,952,371
85$120,700,448$2,659,666$0$55,926,258
86$132,854,496$2,632,592$0$61,403,386
87$146,243,299$2,599,233$0$67,435,101
88$160,992,646$2,559,126$0$74,077,993
89$177,241,151$2,511,778$0$81,394,434
90$195,141,562$2,456,669$0$89,453,164
91$214,862,202$2,393,247$0$98,329,946
92$236,588,557$2,320,927$0$108,108,279
93$260,525,029$2,239,091$0$118,880,191
94$286,896,861$2,147,086$0$130,747,109
95$315,952,265$2,044,217$0$143,820,817
96$347,964,767$1,929,754$0$158,224,515
97$383,235,782$1,802,922$0$174,093,981
98$422,097,468$1,662,900$0$191,578,861
99$464,915,851$1,508,824$0$210,844,080
100$512,094,290$1,339,779$0$232,071,403