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%11.8%
1 years$104,875$103,941$103,030$102,140$101,272$100,507
2 years$51,919$50,952$50,014$49,106$48,225$47,454
3 years$34,269$33,297$32,363$31,463$30,596$29,842
4 years$25,445$24,477$23,552$22,667$21,821$21,091
5 years$20,153$19,190$18,277$17,410$16,588$15,884
6 years$16,625$15,670$14,771$13,923$13,126$12,448
7 years$14,107$13,160$12,274$11,447$10,675$10,024
8 years$12,219$11,281$10,410$9,603$8,856$8,231
9 years$10,751$9,822$8,966$8,179$7,458$6,860
10 years$9,578$8,657$7,817$7,051$6,354$5,783
11 years$8,618$7,707$6,882$6,136$5,465$4,919
12 years$7,819$6,918$6,107$5,382$4,736$4,216
13 years$7,144$6,251$5,456$4,752$4,130$3,634
14 years$6,565$5,682$4,903$4,218$3,620$3,149
15 years$6,064$5,191$4,426$3,762$3,187$2,740
16 years$5,627$4,763$4,013$3,368$2,817$2,392
17 years$5,241$4,386$3,652$3,026$2,498$2,095
18 years$4,898$4,053$3,334$2,727$2,221$1,840
19 years$4,592$3,756$3,052$2,464$1,980$1,619
20 years$4,316$3,491$2,801$2,232$1,768$1,428
21 years$4,068$3,251$2,576$2,026$1,582$1,261
22 years$3,842$3,035$2,374$1,842$1,418$1,115
23 years$3,636$2,839$2,192$1,677$1,273$988
24 years$3,447$2,660$2,028$1,530$1,144$876
25 years$3,274$2,496$1,878$1,397$1,030$777
26 years$3,115$2,346$1,742$1,277$928$691
27 years$2,967$2,208$1,617$1,169$836$614
28 years$2,831$2,080$1,503$1,071$755$546
29 years$2,704$1,962$1,399$982$681$486
30 years$2,585$1,853$1,303$902$616$433
31 years$2,475$1,752$1,215$828$557$386
32 years$2,371$1,658$1,134$761$503$344
33 years$2,274$1,570$1,058$700$456$307
34 years$2,183$1,488$989$644$413$274
35 years$2,098$1,411$925$593$374$244
36 years$2,017$1,339$865$546$339$218
37 years$1,941$1,272$810$503$307$194
38 years$1,869$1,209$758$464$278$174
39 years$1,801$1,150$710$427$252$155
40 years$1,736$1,094$666$394$229$138
41 years$1,675$1,041$624$364$208$124
42 years$1,617$992$586$336$188$111
43 years$1,562$945$549$310$171$99
44 years$1,509$901$516$286$155$88
45 years$1,459$859$484$264$141$79
46 years$1,411$819$455$244$128$71
47 years$1,365$782$427$226$116$63
48 years$1,322$746$402$208$105$56
49 years$1,280$713$377$193$96$50
50 years$1,240$681$355$178$87$45

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 $4,038 every year, while hoping to spend $29,478 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: 45/46/9 Blend
34$1,270,000$1,270,000$1,270,000$1,270,000
35$1,403,705$1,336,395$1,316,710$1,463,138
36$1,515,519$1,370,514$1,329,456$1,538,774
37$1,637,749$1,405,317$1,341,640$1,617,386
38$1,771,428$1,440,806$1,353,214$1,701,952
39$1,917,691$1,476,983$1,364,124$1,793,030
40$2,077,789$1,513,848$1,374,315$1,891,237
41$2,253,098$1,551,401$1,383,729$1,997,249
42$2,445,135$1,589,641$1,392,305$2,111,812
43$2,655,569$1,628,564$1,399,978$2,235,748
44$2,886,241$1,668,167$1,406,680$2,369,959
45$3,139,175$1,708,444$1,412,341$2,515,441
46$3,416,601$1,749,389$1,416,886$2,673,291
47$3,720,979$1,790,993$1,420,235$2,844,715
48$4,055,012$1,833,246$1,422,307$3,031,043
49$4,421,684$1,876,136$1,423,015$3,233,740
50$4,824,278$1,919,648$1,422,268$3,454,419
51$5,266,412$1,963,768$1,419,971$3,694,858
52$5,752,069$2,008,477$1,416,024$3,957,014
53$6,285,642$2,053,753$1,410,322$4,243,046
54$6,871,964$2,099,574$1,402,755$4,555,329
55$7,516,365$2,145,914$1,393,207$4,896,484
56$8,224,714$2,192,743$1,381,559$5,269,395
57$9,003,477$2,240,030$1,367,684$5,677,242
58$9,859,779$2,287,739$1,351,449$6,123,529
59$10,801,469$2,335,831$1,332,715$6,612,116
60$11,837,196$2,384,263$1,311,338$7,147,259
61$12,976,487$2,432,988$1,287,165$7,733,646
62$14,229,840$2,481,957$1,260,036$8,376,443
63$15,608,822$2,531,111$1,229,786$9,081,344
64$17,126,178$2,580,392$1,196,240$9,854,623
65$18,795,950$2,629,733$1,159,216$10,703,197
66$20,633,610$2,679,063$1,118,523$11,634,684
67$22,656,207$2,728,305$1,073,962$12,657,485
68$24,882,524$2,777,376$1,025,323$13,780,855
69$27,333,260$2,826,186$972,390$15,014,995
70$30,031,222$2,874,639$914,935$16,371,147
71$33,001,540$2,922,630$852,719$17,861,701
72$36,271,905$2,970,046$785,493$19,500,311
73$39,872,830$3,016,769$712,997$21,302,028
74$43,837,937$3,062,669$634,961$23,283,437
75$48,204,274$3,107,608$551,100$25,462,817
76$53,012,666$3,151,436$461,118$27,860,315
77$58,308,098$3,193,997$364,705$30,498,133
78$64,140,140$3,235,119$261,539$33,400,742
79$70,563,416$3,274,621$151,282$36,595,110
80$77,638,118$3,312,311$33,583$40,110,961
81$85,430,571$3,347,979$0$43,981,052
82$94,013,866$3,381,407$0$48,250,324
83$103,468,542$3,412,358$0$52,953,744
84$113,883,351$3,440,581$0$58,131,975
85$125,356,093$3,465,809$0$63,833,387
86$137,994,538$3,487,758$0$70,111,286
87$151,917,447$3,506,124$0$77,024,418
88$167,255,687$3,520,585$0$84,637,526
89$184,153,472$3,530,798$0$93,021,959
90$202,769,719$3,536,399$0$102,256,348
91$223,279,549$3,537,002$0$112,427,350
92$245,875,943$3,532,195$0$123,630,465
93$270,771,558$3,521,541$0$135,970,939
94$298,200,738$3,504,578$0$149,564,759
95$328,421,725$3,480,814$0$164,539,751
96$361,719,094$3,449,728$0$181,036,783
97$398,406,444$3,410,766$0$199,211,102
98$438,829,351$3,363,343$0$219,233,797
99$483,368,636$3,306,839$0$241,293,417
100$532,443,957$3,240,594$0$265,597,753