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%18.2%
1 years$106,527$105,578$104,652$103,749$102,866$99,454
2 years$52,736$51,754$50,802$49,879$48,984$45,579
3 years$34,808$33,822$32,872$31,958$31,077$27,787
4 years$25,846$24,863$23,923$23,024$22,165$19,014
5 years$20,470$19,493$18,565$17,685$16,849$13,847
6 years$16,887$15,917$15,003$14,143$13,332$10,480
7 years$14,329$13,367$12,468$11,627$10,843$8,141
8 years$12,411$11,458$10,574$9,754$8,995$6,441
9 years$10,921$9,976$9,107$8,308$7,575$5,166
10 years$9,729$8,794$7,940$7,162$6,454$4,187
11 years$8,754$7,829$6,990$6,233$5,551$3,420
12 years$7,943$7,026$6,203$5,467$4,810$2,812
13 years$7,256$6,350$5,542$4,827$4,195$2,323
14 years$6,669$5,772$4,980$4,284$3,677$1,928
15 years$6,160$5,273$4,496$3,821$3,238$1,604
16 years$5,715$4,838$4,076$3,421$2,861$1,339
17 years$5,323$4,455$3,709$3,074$2,537$1,120
18 years$4,975$4,117$3,386$2,770$2,256$939
19 years$4,664$3,815$3,100$2,503$2,011$788
20 years$4,384$3,545$2,845$2,267$1,796$662
21 years$4,132$3,302$2,617$2,058$1,607$557
22 years$3,902$3,083$2,412$1,871$1,441$469
23 years$3,693$2,883$2,227$1,704$1,293$395
24 years$3,502$2,701$2,059$1,554$1,162$333
25 years$3,326$2,535$1,907$1,419$1,046$281
26 years$3,164$2,383$1,769$1,298$942$237
27 years$3,014$2,242$1,643$1,188$849$200
28 years$2,875$2,113$1,527$1,088$766$169
29 years$2,746$1,993$1,421$998$692$143
30 years$2,626$1,882$1,324$916$625$121
31 years$2,514$1,780$1,234$841$565$102
32 years$2,409$1,684$1,151$773$511$86
33 years$2,310$1,595$1,075$711$463$73
34 years$2,218$1,511$1,004$654$419$62
35 years$2,131$1,433$939$602$380$52
36 years$2,049$1,361$879$555$344$44
37 years$1,971$1,292$822$511$312$37
38 years$1,898$1,228$770$471$283$32
39 years$1,829$1,168$721$434$256$27
40 years$1,764$1,111$676$400$232$23
41 years$1,701$1,058$634$370$211$19
42 years$1,642$1,007$595$341$191$16
43 years$1,586$960$558$315$174$14
44 years$1,533$915$524$291$158$12
45 years$1,482$872$492$268$143$10
46 years$1,433$832$462$248$130$8
47 years$1,387$794$434$229$118$7
48 years$1,342$758$408$212$107$6
49 years$1,300$724$383$196$97$5
50 years$1,259$692$360$181$88$4

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 $5,060 every year, while hoping to spend $35,239 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: 56/18/26 Blend
34$1,290,000$1,290,000$1,290,000$1,290,000
35$1,426,799$1,358,429$1,338,434$1,496,266
36$1,534,839$1,387,498$1,345,778$1,573,590
37$1,652,717$1,416,811$1,352,186$1,653,680
38$1,781,401$1,446,341$1,357,591$1,740,213
39$1,921,954$1,476,062$1,361,921$1,833,820
40$2,075,547$1,505,943$1,365,099$1,935,198
41$2,243,470$1,535,951$1,367,046$2,045,116
42$2,427,141$1,566,050$1,367,680$2,164,420
43$2,628,125$1,596,201$1,366,912$2,294,043
44$2,848,141$1,626,362$1,364,651$2,435,017
45$3,089,085$1,656,488$1,360,801$2,588,475
46$3,353,044$1,686,529$1,355,260$2,755,670
47$3,642,317$1,716,430$1,347,923$2,937,980
48$3,959,434$1,746,136$1,338,680$3,136,929
49$4,307,183$1,775,584$1,327,413$3,354,193
50$4,688,636$1,804,707$1,314,000$3,591,622
51$5,107,173$1,833,434$1,298,316$3,851,255
52$5,566,520$1,861,688$1,280,225$4,135,342
53$6,070,781$1,889,387$1,259,589$4,446,361
54$6,624,476$1,916,442$1,236,260$4,787,046
55$7,232,583$1,942,758$1,210,085$5,160,411
56$7,900,588$1,968,235$1,180,905$5,569,778
57$8,634,534$1,992,764$1,148,551$6,018,813
58$9,441,076$2,016,230$1,112,847$6,511,552
59$10,327,550$2,038,509$1,073,611$7,052,451
60$11,302,033$2,059,469$1,030,651$7,646,418
61$12,373,428$2,078,970$983,765$8,298,866
62$13,551,540$2,096,863$932,743$9,015,762
63$14,847,175$2,112,986$877,368$9,803,686
64$16,272,235$2,127,171$817,408$10,669,890
65$17,839,837$2,139,237$752,626$11,622,369
66$19,564,432$2,148,990$682,770$12,669,938
67$21,461,940$2,156,227$607,579$13,822,314
68$23,549,905$2,160,730$526,780$15,090,209
69$25,847,657$2,162,266$440,088$16,485,430
70$28,376,492$2,160,592$347,205$18,020,995
71$31,159,878$2,155,445$247,821$19,711,254
72$34,223,673$2,146,549$141,610$21,572,025
73$37,596,367$2,133,610$28,234$23,620,743
74$41,309,356$2,116,316$0$25,876,629
75$45,397,232$2,094,336$0$28,386,603
76$49,898,112$2,067,321$0$31,158,317
77$54,853,998$2,034,899$0$34,209,779
78$60,311,172$1,996,675$0$37,569,475
79$66,320,633$1,952,234$0$41,268,799
80$72,938,577$1,901,133$0$45,342,346
81$80,226,929$1,842,905$0$49,828,242
82$88,253,924$1,777,056$0$54,768,503
83$97,094,754$1,703,061$0$60,209,429
84$106,832,275$1,620,367$0$66,202,049
85$117,557,789$1,528,387$0$72,802,595
86$129,371,907$1,426,502$0$80,073,038
87$142,385,497$1,314,056$0$88,081,672
88$156,720,729$1,190,357$0$96,903,759
89$172,512,231$1,054,671$0$106,622,240
90$189,908,353$906,225$0$117,328,520
91$209,072,577$744,201$0$129,123,329
92$230,185,049$567,736$0$142,117,676
93$253,444,285$375,917$0$156,433,895
94$279,069,045$167,780$0$172,206,804
95$307,300,394$0$0$189,584,975
96$338,403,980$0$0$208,743,569
97$372,672,538$0$0$229,888,474
98$410,428,656$0$0$253,185,531
99$452,027,819$0$0$278,854,113
100$497,861,763$0$0$307,135,966