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%17.5%
1 years$104,875$103,941$103,030$102,140$101,272$98,187
2 years$51,919$50,952$50,014$49,106$48,225$45,144
3 years$34,269$33,297$32,363$31,463$30,596$27,615
4 years$25,445$24,477$23,552$22,667$21,821$18,963
5 years$20,153$19,190$18,277$17,410$16,588$13,860
6 years$16,625$15,670$14,771$13,923$13,126$10,531
7 years$14,107$13,160$12,274$11,447$10,675$8,213
8 years$12,219$11,281$10,410$9,603$8,856$6,525
9 years$10,751$9,822$8,966$8,179$7,458$5,256
10 years$9,578$8,657$7,817$7,051$6,354$4,278
11 years$8,618$7,707$6,882$6,136$5,465$3,511
12 years$7,819$6,918$6,107$5,382$4,736$2,900
13 years$7,144$6,251$5,456$4,752$4,130$2,407
14 years$6,565$5,682$4,903$4,218$3,620$2,007
15 years$6,064$5,191$4,426$3,762$3,187$1,679
16 years$5,627$4,763$4,013$3,368$2,817$1,408
17 years$5,241$4,386$3,652$3,026$2,498$1,184
18 years$4,898$4,053$3,334$2,727$2,221$998
19 years$4,592$3,756$3,052$2,464$1,980$842
20 years$4,316$3,491$2,801$2,232$1,768$711
21 years$4,068$3,251$2,576$2,026$1,582$602
22 years$3,842$3,035$2,374$1,842$1,418$509
23 years$3,636$2,839$2,192$1,677$1,273$432
24 years$3,447$2,660$2,028$1,530$1,144$366
25 years$3,274$2,496$1,878$1,397$1,030$310
26 years$3,115$2,346$1,742$1,277$928$263
27 years$2,967$2,208$1,617$1,169$836$224
28 years$2,831$2,080$1,503$1,071$755$190
29 years$2,704$1,962$1,399$982$681$161
30 years$2,585$1,853$1,303$902$616$137
31 years$2,475$1,752$1,215$828$557$117
32 years$2,371$1,658$1,134$761$503$99
33 years$2,274$1,570$1,058$700$456$84
34 years$2,183$1,488$989$644$413$72
35 years$2,098$1,411$925$593$374$61
36 years$2,017$1,339$865$546$339$52
37 years$1,941$1,272$810$503$307$44
38 years$1,869$1,209$758$464$278$38
39 years$1,801$1,150$710$427$252$32
40 years$1,736$1,094$666$394$229$27
41 years$1,675$1,041$624$364$208$23
42 years$1,617$992$586$336$188$20
43 years$1,562$945$549$310$171$17
44 years$1,509$901$516$286$155$14
45 years$1,459$859$484$264$141$12
46 years$1,411$819$455$244$128$10
47 years$1,365$782$427$226$116$9
48 years$1,322$746$402$208$105$7
49 years$1,280$713$377$193$96$6
50 years$1,240$681$355$178$87$5

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 $3,160 every year, while hoping to spend $35,946 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: 61/33/6 Blend
34$1,270,000$1,270,000$1,270,000$1,270,000
35$1,402,800$1,335,490$1,315,805$1,486,627
36$1,507,639$1,362,682$1,321,638$1,570,214
37$1,621,967$1,390,003$1,326,462$1,656,922
38$1,746,714$1,417,419$1,330,204$1,750,602
39$1,882,903$1,444,897$1,332,791$1,851,926
40$2,031,661$1,472,399$1,334,141$1,961,635
41$2,194,229$1,499,885$1,334,173$2,080,543
42$2,371,972$1,527,311$1,332,800$2,209,547
43$2,566,393$1,554,629$1,329,929$2,349,637
44$2,779,149$1,581,790$1,325,465$2,501,901
45$3,012,062$1,608,737$1,319,307$2,667,540
46$3,267,139$1,635,412$1,311,351$2,847,876
47$3,546,591$1,661,751$1,301,485$3,044,368
48$3,852,852$1,687,686$1,289,594$3,258,620
49$4,188,605$1,713,144$1,275,557$3,492,402
50$4,556,801$1,738,046$1,259,246$3,747,665
51$4,960,693$1,762,309$1,240,530$4,026,557
52$5,403,864$1,785,842$1,219,267$4,331,448
53$5,890,259$1,808,550$1,195,314$4,664,947
54$6,424,226$1,830,329$1,168,518$5,029,932
55$7,010,552$1,851,070$1,138,718$5,429,573
56$7,654,511$1,870,655$1,105,748$5,867,365
57$8,361,914$1,888,960$1,069,433$6,347,161
58$9,139,161$1,905,851$1,029,591$6,873,204
59$9,993,304$1,921,187$986,031$7,450,175
60$10,932,111$1,934,815$938,553$8,083,231
61$11,964,140$1,946,574$886,948$8,778,056
62$13,098,820$1,956,294$830,998$9,540,917
63$14,346,539$1,963,792$770,476$10,378,718
64$15,718,742$1,968,874$705,143$11,299,072
65$17,228,039$1,971,334$634,751$12,310,369
66$18,888,323$1,970,953$559,039$13,421,856
67$20,714,900$1,967,499$477,735$14,643,726
68$22,724,638$1,960,724$390,557$15,987,214
69$24,936,119$1,950,367$297,209$17,464,703
70$27,369,818$1,936,150$197,380$19,089,842
71$30,048,296$1,917,778$90,749$20,877,675
72$32,996,412$1,894,939$0$22,844,783
73$36,241,556$1,867,301$0$25,010,918
74$39,813,909$1,834,513$0$27,401,045
75$43,746,728$1,796,204$0$30,031,575
76$48,076,655$1,751,980$0$32,927,004
77$52,844,070$1,701,422$0$36,114,331
78$58,093,464$1,644,091$0$39,623,311
79$63,873,865$1,579,519$0$43,486,740
80$70,239,294$1,507,211$0$47,740,763
81$77,249,282$1,426,644$0$52,425,213
82$84,969,424$1,337,265$0$57,583,997
83$93,472,004$1,238,488$0$63,265,499
84$102,836,670$1,129,697$0$69,523,050
85$113,151,195$1,010,236$0$76,415,424
86$124,512,294$879,415$0$84,007,397
87$137,026,545$736,503$0$92,370,360
88$150,811,390$580,730$0$101,582,992
89$165,996,246$411,280$0$111,732,009
90$182,723,724$227,293$0$122,912,978
91$201,150,973$27,860$0$135,231,224
92$221,451,170$0$0$148,802,827
93$243,815,144$0$0$163,823,979
94$268,453,186$0$0$180,383,850
95$295,597,029$0$0$198,628,098
96$325,502,035$0$0$218,728,380
97$358,449,606$0$0$240,873,857
98$394,749,839$0$0$265,272,981
99$434,744,455$0$0$292,155,460
100$478,810,021$0$0$321,774,429