Can I retire at age 35 with 1,280,000?

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 $1,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$105,701$104,760$103,841$102,944$102,069$100,835
2 years$52,327$51,353$50,408$49,493$48,604$47,363
3 years$34,538$33,560$32,618$31,710$30,837$29,626
4 years$25,646$24,670$23,737$22,846$21,993$20,822
5 years$20,311$19,341$18,421$17,548$16,719$15,591
6 years$16,756$15,794$14,887$14,033$13,229$12,146
7 years$14,218$13,264$12,371$11,537$10,759$9,721
8 years$12,315$11,369$10,492$9,678$8,925$7,933
9 years$10,836$9,899$9,036$8,244$7,516$6,569
10 years$9,653$8,726$7,878$7,106$6,404$5,501
11 years$8,686$7,768$6,936$6,185$5,508$4,648
12 years$7,881$6,972$6,155$5,425$4,773$3,955
13 years$7,200$6,301$5,499$4,789$4,162$3,386
14 years$6,617$5,727$4,941$4,251$3,649$2,912
15 years$6,112$5,232$4,461$3,791$3,212$2,515
16 years$5,671$4,800$4,045$3,395$2,839$2,180
17 years$5,282$4,421$3,681$3,050$2,517$1,894
18 years$4,936$4,085$3,360$2,749$2,238$1,650
19 years$4,628$3,786$3,076$2,484$1,995$1,441
20 years$4,350$3,518$2,823$2,250$1,782$1,260
21 years$4,100$3,277$2,596$2,042$1,595$1,104
22 years$3,872$3,059$2,393$1,856$1,429$969
23 years$3,664$2,861$2,210$1,691$1,283$851
24 years$3,475$2,680$2,043$1,542$1,153$748
25 years$3,300$2,515$1,893$1,408$1,038$658
26 years$3,139$2,364$1,755$1,288$935$580
27 years$2,991$2,225$1,630$1,179$843$511
28 years$2,853$2,097$1,515$1,080$761$450
29 years$2,725$1,978$1,410$990$687$397
30 years$2,606$1,868$1,313$909$621$351
31 years$2,494$1,766$1,225$835$561$310
32 years$2,390$1,671$1,142$767$507$274
33 years$2,292$1,582$1,067$705$459$242
34 years$2,201$1,500$997$649$416$214
35 years$2,114$1,422$932$597$377$189
36 years$2,033$1,350$872$550$341$167
37 years$1,956$1,282$816$507$309$148
38 years$1,884$1,219$764$467$280$131
39 years$1,815$1,159$716$431$254$116
40 years$1,750$1,102$671$397$231$102
41 years$1,688$1,049$629$367$209$91
42 years$1,630$999$590$338$190$80
43 years$1,574$952$554$312$172$71
44 years$1,521$908$520$288$156$63
45 years$1,470$866$488$266$142$56
46 years$1,422$826$458$246$129$49
47 years$1,376$788$431$227$117$44
48 years$1,332$752$405$210$106$39
49 years$1,290$718$380$194$97$34
50 years$1,250$686$358$179$88$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,280,000, adding $4,052 every year, while hoping to spend $21,001 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: 41/33/26 Blend
34$1,280,000$1,280,000$1,280,000$1,280,000
35$1,414,740$1,346,900$1,327,060$1,461,779
36$1,536,698$1,390,553$1,349,171$1,539,705
37$1,670,393$1,435,641$1,371,320$1,621,717
38$1,816,998$1,482,213$1,393,484$1,710,082
39$1,977,808$1,530,317$1,415,642$1,805,396
40$2,154,248$1,580,007$1,437,770$1,908,314
41$2,347,888$1,631,334$1,459,842$2,019,556
42$2,560,458$1,684,355$1,481,832$2,139,917
43$2,793,862$1,739,125$1,503,711$2,270,270
44$3,050,199$1,795,705$1,525,448$2,411,573
45$3,331,780$1,854,155$1,547,011$2,564,885
46$3,641,151$1,914,539$1,568,366$2,731,369
47$3,981,119$1,976,922$1,589,476$2,912,305
48$4,354,773$2,041,371$1,610,304$3,109,102
49$4,765,519$2,107,957$1,630,808$3,323,313
50$5,217,108$2,176,753$1,650,946$3,556,647
51$5,713,672$2,247,833$1,670,672$3,810,983
52$6,259,765$2,321,275$1,689,937$4,088,394
53$6,860,403$2,397,160$1,708,693$4,391,160
54$7,521,114$2,475,570$1,726,883$4,721,793
55$8,247,987$2,556,593$1,744,454$5,083,060
56$9,047,732$2,640,316$1,761,344$5,478,007
57$9,927,743$2,726,834$1,777,491$5,909,989
58$10,896,165$2,816,241$1,792,828$6,382,703
59$11,961,973$2,908,636$1,807,288$6,900,219
60$13,135,057$3,004,122$1,820,795$7,467,021
61$14,426,314$3,102,805$1,833,273$8,088,050
62$15,847,751$3,204,796$1,844,640$8,768,746
63$17,412,598$3,310,207$1,854,812$9,515,104
64$19,135,434$3,419,157$1,863,699$10,333,728
65$21,032,321$3,531,769$1,871,205$11,231,891
66$23,120,960$3,648,169$1,877,234$12,217,609
67$25,420,856$3,768,487$1,881,679$13,299,713
68$27,953,501$3,892,860$1,884,432$14,487,929
69$30,742,576$4,021,428$1,885,379$15,792,976
70$33,814,179$4,154,338$1,884,399$17,226,664
71$37,197,064$4,291,739$1,881,365$18,802,003
72$40,922,919$4,433,790$1,876,146$20,533,329
73$45,026,662$4,580,651$1,868,602$22,436,438
74$49,546,770$4,732,490$1,858,588$24,528,732
75$54,525,641$4,889,483$1,845,951$26,829,389
76$60,009,998$5,051,809$1,830,532$29,359,537
77$66,051,325$5,219,655$1,812,162$32,142,459
78$72,706,357$5,393,215$1,790,667$35,203,809
79$80,037,614$5,572,691$1,765,862$38,571,854
80$88,113,987$5,758,290$1,737,556$42,277,741
81$97,011,396$5,950,228$1,705,546$46,355,794
82$106,813,498$6,148,729$1,669,621$50,843,831
83$117,612,484$6,354,025$1,629,562$55,783,528
84$129,509,942$6,566,357$1,585,138$61,220,804
85$142,617,822$6,785,975$1,536,106$67,206,264
86$157,059,488$7,013,136$1,482,214$73,795,668
87$172,970,886$7,248,110$1,423,198$81,050,460
88$190,501,824$7,491,174$1,358,782$89,038,349
89$209,817,386$7,742,618$1,288,677$97,833,946
90$231,099,493$8,002,740$1,212,582$107,519,469
91$254,548,618$8,271,851$1,130,181$118,185,520
92$280,385,679$8,550,274$1,041,143$129,931,936
93$308,854,123$8,838,342$945,126$142,868,734
94$340,222,225$9,136,402$841,769$157,117,151
95$374,785,620$9,444,814$730,697$172,810,785
96$412,870,094$9,763,951$611,516$190,096,855
97$454,834,660$10,094,200$483,818$209,137,596
98$501,074,943$10,435,964$347,174$230,111,783
99$552,026,921$10,789,659$201,137$253,216,424
100$608,171,033$11,155,720$45,242$278,668,616