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%16.9%
1 years$104,875$103,941$103,030$102,140$101,272$98,424
2 years$51,919$50,952$50,014$49,106$48,225$45,378
3 years$34,269$33,297$32,363$31,463$30,596$27,838
4 years$25,445$24,477$23,552$22,667$21,821$19,175
5 years$20,153$19,190$18,277$17,410$16,588$14,060
6 years$16,625$15,670$14,771$13,923$13,126$10,717
7 years$14,107$13,160$12,274$11,447$10,675$8,387
8 years$12,219$11,281$10,410$9,603$8,856$6,687
9 years$10,751$9,822$8,966$8,179$7,458$5,406
10 years$9,578$8,657$7,817$7,051$6,354$4,417
11 years$8,618$7,707$6,882$6,136$5,465$3,639
12 years$7,819$6,918$6,107$5,382$4,736$3,017
13 years$7,144$6,251$5,456$4,752$4,130$2,515
14 years$6,565$5,682$4,903$4,218$3,620$2,105
15 years$6,064$5,191$4,426$3,762$3,187$1,769
16 years$5,627$4,763$4,013$3,368$2,817$1,490
17 years$5,241$4,386$3,652$3,026$2,498$1,258
18 years$4,898$4,053$3,334$2,727$2,221$1,065
19 years$4,592$3,756$3,052$2,464$1,980$903
20 years$4,316$3,491$2,801$2,232$1,768$766
21 years$4,068$3,251$2,576$2,026$1,582$651
22 years$3,842$3,035$2,374$1,842$1,418$554
23 years$3,636$2,839$2,192$1,677$1,273$471
24 years$3,447$2,660$2,028$1,530$1,144$402
25 years$3,274$2,496$1,878$1,397$1,030$342
26 years$3,115$2,346$1,742$1,277$928$292
27 years$2,967$2,208$1,617$1,169$836$249
28 years$2,831$2,080$1,503$1,071$755$213
29 years$2,704$1,962$1,399$982$681$182
30 years$2,585$1,853$1,303$902$616$155
31 years$2,475$1,752$1,215$828$557$132
32 years$2,371$1,658$1,134$761$503$113
33 years$2,274$1,570$1,058$700$456$97
34 years$2,183$1,488$989$644$413$83
35 years$2,098$1,411$925$593$374$71
36 years$2,017$1,339$865$546$339$60
37 years$1,941$1,272$810$503$307$52
38 years$1,869$1,209$758$464$278$44
39 years$1,801$1,150$710$427$252$38
40 years$1,736$1,094$666$394$229$32
41 years$1,675$1,041$624$364$208$28
42 years$1,617$992$586$336$188$24
43 years$1,562$945$549$310$171$20
44 years$1,509$901$516$286$155$17
45 years$1,459$859$484$264$141$15
46 years$1,411$819$455$244$128$13
47 years$1,365$782$427$226$116$11
48 years$1,322$746$402$208$105$9
49 years$1,280$713$377$193$96$8
50 years$1,240$681$355$178$87$7

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 $4,979 every year, while hoping to spend $26,465 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: 49/24/27 Blend
34$1,270,000$1,270,000$1,270,000$1,270,000
35$1,404,676$1,337,366$1,317,681$1,462,521
36$1,519,794$1,374,738$1,333,665$1,540,908
37$1,645,768$1,413,055$1,349,297$1,623,003
38$1,783,675$1,452,334$1,364,538$1,711,677
39$1,934,706$1,492,594$1,379,346$1,807,565
40$2,100,168$1,533,854$1,393,676$1,911,367
41$2,281,504$1,576,131$1,407,482$2,023,851
42$2,480,300$1,619,443$1,420,715$2,145,867
43$2,698,304$1,663,810$1,433,323$2,278,349
44$2,937,443$1,709,248$1,445,251$2,422,325
45$3,199,837$1,755,777$1,456,442$2,578,930
46$3,487,823$1,803,412$1,466,836$2,749,413
47$3,803,974$1,852,173$1,476,368$2,935,149
48$4,151,125$1,902,074$1,484,971$3,137,656
49$4,532,398$1,953,135$1,492,576$3,358,604
50$4,951,234$2,005,369$1,499,109$3,599,835
51$5,411,421$2,058,794$1,504,491$3,863,376
52$5,917,135$2,113,424$1,508,640$4,151,463
53$6,472,976$2,169,274$1,511,472$4,466,560
54$7,084,009$2,226,358$1,512,896$4,811,381
55$7,755,817$2,284,690$1,512,818$5,188,917
56$8,494,551$2,344,280$1,511,138$5,602,465
57$9,306,987$2,405,141$1,507,752$6,055,659
58$10,200,589$2,467,283$1,502,552$6,552,500
59$11,183,584$2,530,715$1,495,422$7,097,402
60$12,265,035$2,595,445$1,486,244$7,695,227
61$13,454,926$2,661,479$1,474,891$8,351,334
62$14,764,261$2,728,823$1,461,231$9,071,628
63$16,205,160$2,797,481$1,445,128$9,862,617
64$17,790,983$2,867,453$1,426,435$10,731,474
65$19,536,445$2,938,741$1,405,003$11,686,106
66$21,457,764$3,011,341$1,380,673$12,735,222
67$23,572,809$3,085,249$1,353,278$13,888,426
68$25,901,268$3,160,459$1,322,646$15,156,299
69$28,464,837$3,236,962$1,288,594$16,550,503
70$31,287,422$3,314,744$1,250,933$18,083,891
71$34,395,365$3,393,792$1,209,465$19,770,627
72$37,817,691$3,474,087$1,163,981$21,626,324
73$41,586,386$3,555,608$1,114,265$23,668,186
74$45,736,693$3,638,328$1,060,089$25,915,175
75$50,307,449$3,722,220$1,001,215$28,388,188
76$55,341,449$3,807,249$937,396$31,110,256
77$60,885,850$3,893,377$868,372$34,106,762
78$66,992,617$3,980,563$793,872$37,405,679
79$73,719,011$4,068,757$713,614$41,037,836
80$81,128,131$4,157,907$627,301$45,037,210
81$89,289,509$4,247,954$534,625$49,441,246
82$98,279,767$4,338,831$435,262$54,291,212
83$108,183,337$4,430,468$328,877$59,632,587
84$119,093,261$4,522,784$215,118$65,515,495
85$131,112,066$4,615,693$93,617$71,995,174
86$144,352,735$4,709,101$0$79,132,503
87$158,939,771$4,802,903$0$87,004,957
88$175,010,370$4,896,988$0$95,705,547
89$192,715,721$4,991,234$0$105,288,883
90$212,222,429$5,085,508$0$115,844,894
91$233,714,085$5,179,667$0$127,472,678
92$257,393,008$5,273,556$0$140,281,443
93$283,482,143$5,367,009$0$154,391,533
94$312,227,174$5,459,845$0$169,935,565
95$343,898,838$5,551,870$0$187,059,682
96$378,795,484$5,642,876$0$205,924,934
97$417,245,885$5,732,639$0$226,708,792
98$459,612,345$5,820,917$0$249,606,833
99$506,294,116$5,907,454$0$274,834,579
100$557,731,169$5,991,972$0$302,629,533