Can I retire at age 35 with 1,270,000?

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 $1,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$104,875$103,941$103,030$102,140$101,272$98,583
2 years$51,919$50,952$50,014$49,106$48,225$45,535
3 years$34,269$33,297$32,363$31,463$30,596$27,989
4 years$25,445$24,477$23,552$22,667$21,821$19,317
5 years$20,153$19,190$18,277$17,410$16,588$14,194
6 years$16,625$15,670$14,771$13,923$13,126$10,844
7 years$14,107$13,160$12,274$11,447$10,675$8,505
8 years$12,219$11,281$10,410$9,603$8,856$6,797
9 years$10,751$9,822$8,966$8,179$7,458$5,508
10 years$9,578$8,657$7,817$7,051$6,354$4,512
11 years$8,618$7,707$6,882$6,136$5,465$3,726
12 years$7,819$6,918$6,107$5,382$4,736$3,098
13 years$7,144$6,251$5,456$4,752$4,130$2,589
14 years$6,565$5,682$4,903$4,218$3,620$2,174
15 years$6,064$5,191$4,426$3,762$3,187$1,831
16 years$5,627$4,763$4,013$3,368$2,817$1,547
17 years$5,241$4,386$3,652$3,026$2,498$1,310
18 years$4,898$4,053$3,334$2,727$2,221$1,112
19 years$4,592$3,756$3,052$2,464$1,980$945
20 years$4,316$3,491$2,801$2,232$1,768$805
21 years$4,068$3,251$2,576$2,026$1,582$686
22 years$3,842$3,035$2,374$1,842$1,418$585
23 years$3,636$2,839$2,192$1,677$1,273$500
24 years$3,447$2,660$2,028$1,530$1,144$427
25 years$3,274$2,496$1,878$1,397$1,030$365
26 years$3,115$2,346$1,742$1,277$928$313
27 years$2,967$2,208$1,617$1,169$836$268
28 years$2,831$2,080$1,503$1,071$755$229
29 years$2,704$1,962$1,399$982$681$196
30 years$2,585$1,853$1,303$902$616$168
31 years$2,475$1,752$1,215$828$557$144
32 years$2,371$1,658$1,134$761$503$124
33 years$2,274$1,570$1,058$700$456$106
34 years$2,183$1,488$989$644$413$91
35 years$2,098$1,411$925$593$374$78
36 years$2,017$1,339$865$546$339$67
37 years$1,941$1,272$810$503$307$57
38 years$1,869$1,209$758$464$278$49
39 years$1,801$1,150$710$427$252$42
40 years$1,736$1,094$666$394$229$36
41 years$1,675$1,041$624$364$208$31
42 years$1,617$992$586$336$188$27
43 years$1,562$945$549$310$171$23
44 years$1,509$901$516$286$155$20
45 years$1,459$859$484$264$141$17
46 years$1,411$819$455$244$128$14
47 years$1,365$782$427$226$116$12
48 years$1,322$746$402$208$105$11
49 years$1,280$713$377$193$96$9
50 years$1,240$681$355$178$87$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,270,000, adding $3,468 every year, while hoping to spend $26,638 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: 37/39/24 Blend
34$1,270,000$1,270,000$1,270,000$1,270,000
35$1,403,117$1,335,807$1,316,122$1,444,818
36$1,517,893$1,372,919$1,331,870$1,512,777
37$1,643,482$1,410,957$1,347,252$1,583,419
38$1,780,961$1,449,937$1,362,229$1,659,197
39$1,931,513$1,489,878$1,376,757$1,740,588
40$2,096,441$1,530,796$1,390,792$1,828,121
41$2,277,181$1,572,708$1,404,287$1,922,375
42$2,475,314$1,615,631$1,417,191$2,023,991
43$2,692,582$1,659,583$1,429,452$2,133,672
44$2,930,901$1,704,578$1,441,015$2,252,192
45$3,192,385$1,750,634$1,451,821$2,380,406
46$3,479,359$1,797,767$1,461,808$2,519,253
47$3,794,388$1,845,992$1,470,913$2,669,770
48$4,140,294$1,895,323$1,479,067$2,833,095
49$4,520,187$1,945,777$1,486,198$3,010,487
50$4,937,493$1,997,367$1,492,233$3,203,329
51$5,395,986$2,050,107$1,497,091$3,413,146
52$5,899,823$2,104,009$1,500,691$3,641,617
53$6,453,586$2,159,086$1,502,945$3,890,595
54$7,062,320$2,215,349$1,503,761$4,162,119
55$7,731,584$2,272,809$1,503,045$4,458,436
56$8,467,504$2,331,475$1,500,695$4,782,022
57$9,276,827$2,391,355$1,496,607$5,135,607
58$10,166,989$2,452,458$1,490,669$5,522,197
59$11,146,182$2,514,787$1,482,766$5,945,107
60$12,223,430$2,578,350$1,472,776$6,407,989
61$13,408,678$2,643,147$1,460,572$6,914,866
62$14,712,882$2,709,180$1,446,021$7,470,174
63$16,148,116$2,776,450$1,428,982$8,078,800
64$17,727,681$2,844,954$1,409,310$8,746,132
65$19,466,234$2,914,686$1,386,852$9,478,105
66$21,379,925$2,985,641$1,361,447$10,281,263
67$23,486,549$3,057,808$1,332,926$11,162,815
68$25,805,713$3,131,177$1,301,116$12,130,708
69$28,359,024$3,205,733$1,265,831$13,193,700
70$31,170,288$3,281,457$1,226,879$14,361,444
71$34,265,737$3,358,328$1,184,060$15,644,577
72$37,674,279$3,436,324$1,137,163$17,054,824
73$41,427,766$3,515,414$1,085,968$18,605,106
74$45,561,296$3,595,566$1,030,246$20,309,664
75$50,113,545$3,676,746$969,755$22,184,193
76$55,127,130$3,758,910$904,246$24,245,992
77$60,649,014$3,842,013$833,455$26,514,125
78$66,730,946$3,926,005$757,109$29,009,603
79$73,429,951$4,010,827$674,920$31,755,584
80$80,808,867$4,096,418$586,590$34,777,590
81$88,936,937$4,182,709$491,807$38,103,748
82$97,890,466$4,269,623$390,244$41,765,059
83$107,753,536$4,357,077$281,560$45,795,690
84$118,618,804$4,444,982$165,400$50,233,293
85$130,588,374$4,533,237$41,392$55,119,370
86$143,774,759$4,621,737$0$60,499,655
87$158,301,945$4,710,363$0$66,447,847
88$174,306,563$4,798,990$0$73,009,033
89$191,939,174$4,887,482$0$80,233,936
90$211,365,690$4,975,689$0$88,190,144
91$232,768,946$5,063,454$0$96,952,140
92$256,350,419$5,150,603$0$106,602,003
93$282,332,132$5,236,953$0$117,230,185
94$310,958,750$5,322,304$0$128,936,362
95$342,499,888$5,406,442$0$141,830,379
96$377,252,657$5,489,139$0$156,033,286
97$415,544,469$5,570,147$0$171,678,480
98$457,736,125$5,649,205$0$188,912,965
99$504,225,223$5,726,029$0$207,898,740
100$555,449,909$5,800,318$0$228,814,332