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%17.8%
1 years$106,527$105,578$104,652$103,749$102,866$99,613
2 years$52,736$51,754$50,802$49,879$48,984$45,736
3 years$34,808$33,822$32,872$31,958$31,077$27,937
4 years$25,846$24,863$23,923$23,024$22,165$19,155
5 years$20,470$19,493$18,565$17,685$16,849$13,979
6 years$16,887$15,917$15,003$14,143$13,332$10,603
7 years$14,329$13,367$12,468$11,627$10,843$8,255
8 years$12,411$11,458$10,574$9,754$8,995$6,547
9 years$10,921$9,976$9,107$8,308$7,575$5,264
10 years$9,729$8,794$7,940$7,162$6,454$4,277
11 years$8,754$7,829$6,990$6,233$5,551$3,503
12 years$7,943$7,026$6,203$5,467$4,810$2,887
13 years$7,256$6,350$5,542$4,827$4,195$2,392
14 years$6,669$5,772$4,980$4,284$3,677$1,990
15 years$6,160$5,273$4,496$3,821$3,238$1,661
16 years$5,715$4,838$4,076$3,421$2,861$1,391
17 years$5,323$4,455$3,709$3,074$2,537$1,167
18 years$4,975$4,117$3,386$2,770$2,256$981
19 years$4,664$3,815$3,100$2,503$2,011$826
20 years$4,384$3,545$2,845$2,267$1,796$696
21 years$4,132$3,302$2,617$2,058$1,607$587
22 years$3,902$3,083$2,412$1,871$1,441$496
23 years$3,693$2,883$2,227$1,704$1,293$419
24 years$3,502$2,701$2,059$1,554$1,162$355
25 years$3,326$2,535$1,907$1,419$1,046$300
26 years$3,164$2,383$1,769$1,298$942$254
27 years$3,014$2,242$1,643$1,188$849$215
28 years$2,875$2,113$1,527$1,088$766$182
29 years$2,746$1,993$1,421$998$692$155
30 years$2,626$1,882$1,324$916$625$131
31 years$2,514$1,780$1,234$841$565$111
32 years$2,409$1,684$1,151$773$511$94
33 years$2,310$1,595$1,075$711$463$80
34 years$2,218$1,511$1,004$654$419$68
35 years$2,131$1,433$939$602$380$58
36 years$2,049$1,361$879$555$344$49
37 years$1,971$1,292$822$511$312$41
38 years$1,898$1,228$770$471$283$35
39 years$1,829$1,168$721$434$256$30
40 years$1,764$1,111$676$400$232$25
41 years$1,701$1,058$634$370$211$21
42 years$1,642$1,007$595$341$191$18
43 years$1,586$960$558$315$174$15
44 years$1,533$915$524$291$158$13
45 years$1,482$872$492$268$143$11
46 years$1,433$832$462$248$130$9
47 years$1,387$794$434$229$118$8
48 years$1,342$758$408$212$107$7
49 years$1,300$724$383$196$97$6
50 years$1,259$692$360$181$88$5

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 $2,959 every year, while hoping to spend $20,979 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: 56/34/10 Blend
34$1,290,000$1,290,000$1,290,000$1,290,000
35$1,424,632$1,356,262$1,336,267$1,500,761
36$1,547,623$1,400,398$1,358,711$1,596,679
37$1,682,456$1,445,992$1,381,203$1,698,528
38$1,830,317$1,493,096$1,403,723$1,808,959
39$1,992,511$1,541,760$1,426,250$1,928,795
40$2,170,477$1,592,036$1,448,760$2,058,939
41$2,365,800$1,643,980$1,471,227$2,200,387
42$2,580,225$1,697,649$1,493,627$2,354,232
43$2,815,675$1,753,100$1,515,930$2,521,680
44$3,074,266$1,810,394$1,538,106$2,704,056
45$3,358,333$1,869,595$1,560,124$2,902,819
46$3,670,445$1,930,767$1,581,950$3,119,575
47$4,013,433$1,993,978$1,603,549$3,356,091
48$4,390,418$2,059,298$1,624,882$3,614,313
49$4,804,835$2,126,797$1,645,909$3,896,384
50$5,260,470$2,196,552$1,666,589$4,204,663
51$5,761,494$2,268,639$1,686,876$4,541,746
52$6,312,503$2,343,140$1,706,723$4,910,494
53$6,918,560$2,420,135$1,726,081$5,314,055
54$7,585,244$2,499,712$1,744,895$5,755,897
55$8,318,701$2,581,960$1,763,111$6,239,839
56$9,125,702$2,666,970$1,780,669$6,770,089
57$10,013,711$2,754,839$1,797,508$7,351,277
58$10,990,948$2,845,664$1,813,563$7,988,506
59$12,066,471$2,939,549$1,828,765$8,687,397
60$13,250,264$3,036,599$1,843,040$9,454,139
61$14,553,323$3,136,925$1,856,314$10,295,550
62$15,987,767$3,240,639$1,868,506$11,219,143
63$17,566,950$3,347,861$1,879,532$12,233,191
64$19,305,585$3,458,712$1,889,302$13,346,809
65$21,219,885$3,573,320$1,897,724$14,570,037
66$23,327,715$3,691,815$1,904,700$15,913,938
67$25,648,761$3,814,333$1,910,127$17,390,698
68$28,204,715$3,941,015$1,913,897$19,013,742
69$31,019,480$4,072,009$1,915,896$20,797,863
70$34,119,393$4,207,464$1,916,005$22,759,355
71$37,533,480$4,347,538$1,914,099$24,916,174
72$41,293,721$4,492,394$1,910,048$27,288,100
73$45,435,360$4,642,200$1,903,714$29,896,929
74$49,997,230$4,797,132$1,894,952$32,766,674
75$55,022,127$4,957,370$1,883,612$35,923,793
76$60,557,206$5,123,103$1,869,535$39,397,438
77$66,654,432$5,294,527$1,852,556$43,219,731
78$73,371,068$5,471,842$1,832,500$47,426,063
79$80,770,213$5,655,259$1,809,185$52,055,431
80$88,921,404$5,844,995$1,782,421$57,150,805
81$97,901,263$6,041,276$1,752,009$62,759,530
82$107,794,229$6,244,336$1,717,739$68,933,778
83$118,693,350$6,454,418$1,679,392$75,731,034
84$130,701,160$6,671,773$1,636,740$83,214,641
85$143,930,651$6,896,662$1,589,544$91,454,396
86$158,506,337$7,129,358$1,537,553$100,527,211
87$174,565,427$7,370,140$1,480,505$110,517,834
88$192,259,125$7,619,302$1,418,126$121,519,651
89$211,754,053$7,877,145$1,350,130$133,635,568
90$233,233,825$8,143,984$1,276,219$146,978,978
91$256,900,781$8,420,145$1,196,078$161,674,833
92$282,977,896$8,705,967$1,109,381$177,860,821
93$311,710,883$9,001,801$1,015,787$195,688,669
94$343,370,516$9,308,011$914,939$215,325,570
95$378,255,182$9,624,978$806,463$236,955,762
96$416,693,703$9,953,094$689,971$260,782,266
97$459,048,432$10,292,766$565,057$287,028,802
98$505,718,680$10,644,420$431,294$315,941,902
99$557,144,484$11,008,495$288,241$347,793,231
100$613,810,758$11,385,449$135,434$382,882,157