Can I retire at age 35 with 1,290,000?

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 $1,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$106,527$105,578$104,652$103,749$102,866$100,584
2 years$52,736$51,754$50,802$49,879$48,984$46,696
3 years$34,808$33,822$32,872$31,958$31,077$28,856
4 years$25,846$24,863$23,923$23,024$22,165$20,027
5 years$20,470$19,493$18,565$17,685$16,849$14,801
6 years$16,887$15,917$15,003$14,143$13,332$11,375
7 years$14,329$13,367$12,468$11,627$10,843$8,977
8 years$12,411$11,458$10,574$9,754$8,995$7,221
9 years$10,921$9,976$9,107$8,308$7,575$5,891
10 years$9,729$8,794$7,940$7,162$6,454$4,858
11 years$8,754$7,829$6,990$6,233$5,551$4,041
12 years$7,943$7,026$6,203$5,467$4,810$3,384
13 years$7,256$6,350$5,542$4,827$4,195$2,849
14 years$6,669$5,772$4,980$4,284$3,677$2,410
15 years$6,160$5,273$4,496$3,821$3,238$2,046
16 years$5,715$4,838$4,076$3,421$2,861$1,742
17 years$5,323$4,455$3,709$3,074$2,537$1,487
18 years$4,975$4,117$3,386$2,770$2,256$1,272
19 years$4,664$3,815$3,100$2,503$2,011$1,091
20 years$4,384$3,545$2,845$2,267$1,796$936
21 years$4,132$3,302$2,617$2,058$1,607$805
22 years$3,902$3,083$2,412$1,871$1,441$693
23 years$3,693$2,883$2,227$1,704$1,293$597
24 years$3,502$2,701$2,059$1,554$1,162$514
25 years$3,326$2,535$1,907$1,419$1,046$444
26 years$3,164$2,383$1,769$1,298$942$383
27 years$3,014$2,242$1,643$1,188$849$331
28 years$2,875$2,113$1,527$1,088$766$286
29 years$2,746$1,993$1,421$998$692$247
30 years$2,626$1,882$1,324$916$625$214
31 years$2,514$1,780$1,234$841$565$185
32 years$2,409$1,684$1,151$773$511$160
33 years$2,310$1,595$1,075$711$463$138
34 years$2,218$1,511$1,004$654$419$120
35 years$2,131$1,433$939$602$380$104
36 years$2,049$1,361$879$555$344$90
37 years$1,971$1,292$822$511$312$78
38 years$1,898$1,228$770$471$283$67
39 years$1,829$1,168$721$434$256$58
40 years$1,764$1,111$676$400$232$50
41 years$1,701$1,058$634$370$211$44
42 years$1,642$1,007$595$341$191$38
43 years$1,586$960$558$315$174$33
44 years$1,533$915$524$291$158$28
45 years$1,482$872$492$268$143$25
46 years$1,433$832$462$248$130$21
47 years$1,387$794$434$229$118$18
48 years$1,342$758$408$212$107$16
49 years$1,300$724$383$196$97$14
50 years$1,259$692$360$181$88$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,290,000, adding $2,354 every year, while hoping to spend $42,010 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: 40/48/12 Blend
34$1,290,000$1,290,000$1,290,000$1,290,000
35$1,424,008$1,355,638$1,335,643$1,475,774
36$1,524,559$1,377,366$1,335,689$1,534,264
37$1,633,957$1,398,751$1,334,328$1,593,182
38$1,753,062$1,419,731$1,331,469$1,655,992
39$1,882,818$1,440,241$1,327,017$1,723,065
40$2,024,263$1,460,211$1,320,870$1,794,813
41$2,178,542$1,479,565$1,312,923$1,871,688
42$2,346,913$1,498,223$1,303,066$1,954,191
43$2,530,762$1,516,100$1,291,182$2,042,875
44$2,731,614$1,533,104$1,277,151$2,138,351
45$2,951,149$1,549,136$1,260,846$2,241,296
46$3,191,215$1,564,092$1,242,133$2,352,454
47$3,453,848$1,577,861$1,220,873$2,472,650
48$3,741,288$1,590,325$1,196,921$2,602,794
49$4,056,005$1,601,356$1,170,123$2,743,892
50$4,400,716$1,610,820$1,140,320$2,897,054
51$4,778,413$1,618,575$1,107,345$3,063,507
52$5,192,394$1,624,468$1,071,024$3,244,605
53$5,646,288$1,628,337$1,031,173$3,441,846
54$6,144,094$1,630,010$987,602$3,656,880
55$6,690,216$1,629,304$940,111$3,891,534
56$7,289,503$1,626,026$888,490$4,147,820
57$7,947,300$1,619,969$832,522$4,427,965
58$8,669,492$1,610,914$771,979$4,734,424
59$9,462,562$1,598,631$706,621$5,069,909
60$10,333,651$1,582,871$636,201$5,437,413
61$11,290,627$1,563,376$560,458$5,840,241
62$12,342,158$1,539,869$479,120$6,282,040
63$13,497,792$1,512,055$391,904$6,766,838
64$14,768,047$1,479,626$298,513$7,299,078
65$16,164,512$1,442,253$198,638$7,883,664
66$17,699,957$1,399,587$91,957$8,526,011
67$19,388,446$1,351,261$0$9,232,091
68$21,245,479$1,296,884$0$10,011,300
69$23,288,130$1,236,044$0$10,880,855
70$25,535,214$1,168,305$0$11,837,043
71$28,007,459$1,093,205$0$12,888,769
72$30,727,704$1,010,256$0$14,045,855
73$33,721,114$918,942$0$15,319,132
74$37,015,415$818,719$0$16,720,549
75$40,641,160$709,008$0$18,263,281
76$44,632,012$589,203$0$19,961,861
77$49,025,062$458,659$0$21,832,315
78$53,861,181$316,696$0$23,892,316
79$59,185,405$162,598$0$26,161,353
80$65,047,357$0$0$28,660,920
81$71,501,717$0$0$31,417,037
82$78,608,736$0$0$34,546,633
83$86,434,808$0$0$37,993,086
84$95,053,090$0$0$41,788,643
85$104,544,198$0$0$45,968,834
86$114,996,964$0$0$50,572,814
87$126,509,273$0$0$55,643,728
88$139,188,990$0$0$61,229,118
89$153,154,975$0$0$67,381,375
90$168,538,205$0$0$74,158,228
91$185,483,009$0$0$81,623,295
92$204,148,431$0$0$89,846,679
93$224,709,730$0$0$98,905,628
94$247,360,034$0$0$108,885,269
95$272,312,161$0$0$119,879,409
96$299,800,629$0$0$131,991,419
97$330,083,868$0$0$145,335,209
98$363,446,661$0$0$160,036,306
99$400,202,827$0$0$176,233,038
100$440,698,187$0$0$194,077,837