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%11.4%
1 years$106,527$105,578$104,652$103,749$102,866$102,261
2 years$52,736$51,754$50,802$49,879$48,984$48,373
3 years$34,808$33,822$32,872$31,958$31,077$30,480
4 years$25,846$24,863$23,923$23,024$22,165$21,586
5 years$20,470$19,493$18,565$17,685$16,849$16,290
6 years$16,887$15,917$15,003$14,143$13,332$12,794
7 years$14,329$13,367$12,468$11,627$10,843$10,325
8 years$12,411$11,458$10,574$9,754$8,995$8,498
9 years$10,921$9,976$9,107$8,308$7,575$7,099
10 years$9,729$8,794$7,940$7,162$6,454$5,999
11 years$8,754$7,829$6,990$6,233$5,551$5,115
12 years$7,943$7,026$6,203$5,467$4,810$4,395
13 years$7,256$6,350$5,542$4,827$4,195$3,798
14 years$6,669$5,772$4,980$4,284$3,677$3,300
15 years$6,160$5,273$4,496$3,821$3,238$2,879
16 years$5,715$4,838$4,076$3,421$2,861$2,520
17 years$5,323$4,455$3,709$3,074$2,537$2,213
18 years$4,975$4,117$3,386$2,770$2,256$1,949
19 years$4,664$3,815$3,100$2,503$2,011$1,720
20 years$4,384$3,545$2,845$2,267$1,796$1,521
21 years$4,132$3,302$2,617$2,058$1,607$1,348
22 years$3,902$3,083$2,412$1,871$1,441$1,195
23 years$3,693$2,883$2,227$1,704$1,293$1,062
24 years$3,502$2,701$2,059$1,554$1,162$945
25 years$3,326$2,535$1,907$1,419$1,046$841
26 years$3,164$2,383$1,769$1,298$942$749
27 years$3,014$2,242$1,643$1,188$849$668
28 years$2,875$2,113$1,527$1,088$766$596
29 years$2,746$1,993$1,421$998$692$533
30 years$2,626$1,882$1,324$916$625$476
31 years$2,514$1,780$1,234$841$565$425
32 years$2,409$1,684$1,151$773$511$380
33 years$2,310$1,595$1,075$711$463$340
34 years$2,218$1,511$1,004$654$419$305
35 years$2,131$1,433$939$602$380$273
36 years$2,049$1,361$879$555$344$244
37 years$1,971$1,292$822$511$312$219
38 years$1,898$1,228$770$471$283$196
39 years$1,829$1,168$721$434$256$176
40 years$1,764$1,111$676$400$232$157
41 years$1,701$1,058$634$370$211$141
42 years$1,642$1,007$595$341$191$127
43 years$1,586$960$558$315$174$113
44 years$1,533$915$524$291$158$102
45 years$1,482$872$492$268$143$91
46 years$1,433$832$462$248$130$82
47 years$1,387$794$434$229$118$73
48 years$1,342$758$408$212$107$66
49 years$1,300$724$383$196$97$59
50 years$1,259$692$360$181$88$53

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 $5,739 every year, while hoping to spend $26,947 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: 54/20/26 Blend
34$1,290,000$1,290,000$1,290,000$1,290,000
35$1,427,500$1,359,130$1,339,135$1,494,025
36$1,544,433$1,397,056$1,355,324$1,578,463
37$1,672,391$1,435,937$1,371,153$1,667,085
38$1,812,469$1,475,792$1,386,581$1,763,018
39$1,965,873$1,516,638$1,401,564$1,866,973
40$2,133,934$1,558,495$1,416,058$1,979,732
41$2,318,115$1,601,381$1,430,015$2,102,157
42$2,520,027$1,645,313$1,443,385$2,235,198
43$2,741,447$1,690,310$1,456,116$2,379,902
44$2,984,329$1,736,390$1,468,150$2,537,420
45$3,250,828$1,783,570$1,479,430$2,709,022
46$3,543,315$1,831,869$1,489,894$2,896,109
47$3,864,405$1,881,302$1,499,478$3,100,220
48$4,216,976$1,931,887$1,508,111$3,323,054
49$4,604,198$1,983,640$1,515,724$3,566,482
50$5,029,566$2,036,578$1,522,240$3,832,566
51$5,496,926$2,090,715$1,527,580$4,123,579
52$6,010,520$2,146,067$1,531,661$4,442,023
53$6,575,016$2,202,648$1,534,395$4,790,658
54$7,195,561$2,260,471$1,535,691$5,172,524
55$7,877,824$2,319,549$1,535,452$5,590,971
56$8,628,049$2,379,894$1,533,576$6,049,692
57$9,453,117$2,441,517$1,529,959$6,552,753
58$10,360,610$2,504,426$1,524,488$7,104,640
59$11,358,881$2,568,632$1,517,046$7,710,293
60$12,457,132$2,634,140$1,507,513$8,375,158
61$13,665,504$2,700,957$1,495,759$9,105,236
62$14,995,169$2,769,087$1,481,650$9,907,139
63$16,458,436$2,838,533$1,465,045$10,788,157
64$18,068,871$2,909,295$1,445,798$11,756,322
65$19,841,417$2,981,372$1,423,754$12,820,486
66$21,792,543$3,054,760$1,398,751$13,990,403
67$23,940,394$3,129,455$1,370,621$15,276,827
68$26,304,963$3,205,448$1,339,186$16,691,605
69$28,908,282$3,282,727$1,304,261$18,247,796
70$31,774,626$3,361,280$1,265,654$19,959,791
71$34,930,745$3,441,090$1,223,160$21,843,451
72$38,406,114$3,522,136$1,176,569$23,916,254
73$42,233,212$3,604,395$1,125,658$26,197,465
74$46,447,829$3,687,840$1,070,197$28,708,312
75$51,089,402$3,772,439$1,009,943$31,472,193
76$56,201,388$3,858,155$944,643$34,514,893
77$61,831,674$3,944,949$874,033$37,864,829
78$68,033,028$4,032,775$797,836$41,553,319
79$74,863,597$4,121,582$715,764$45,614,877
80$82,387,458$4,211,313$627,516$50,087,540
81$90,675,217$4,301,905$532,776$55,013,229
82$99,804,681$4,393,291$431,216$60,438,141
83$109,861,589$4,485,393$322,493$66,413,191
84$120,940,422$4,578,128$206,247$72,994,487
85$133,145,293$4,671,404$82,105$80,243,868
86$146,590,934$4,765,124$0$88,229,481
87$161,403,772$4,859,177$0$97,040,405
88$177,723,127$4,953,447$0$106,770,647
89$195,702,525$5,047,806$0$117,488,740
90$215,511,149$5,142,114$0$129,295,330
91$237,335,432$5,236,224$0$142,301,328
92$261,380,819$5,329,972$0$156,628,955
93$287,873,707$5,423,185$0$172,412,898
94$317,063,578$5,515,674$0$189,801,579
95$349,225,359$5,607,238$0$208,958,557
96$384,662,013$5,697,660$0$230,064,073
97$423,707,399$5,786,706$0$253,316,750
98$466,729,425$5,874,126$0$278,935,469
99$514,133,520$5,959,651$0$307,161,436
100$566,366,459$6,042,995$0$338,260,455