Can I retire at age 35 with 1,300,000?

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 $1,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$107,353$106,397$105,464$104,553$103,664$100,831
2 years$53,145$52,155$51,196$50,266$49,364$46,530
3 years$35,078$34,084$33,127$32,206$31,318$28,573
4 years$26,046$25,055$24,108$23,202$22,337$19,700
5 years$20,629$19,644$18,709$17,822$16,980$14,460
6 years$17,018$16,041$15,120$14,252$13,436$11,035
7 years$14,440$13,471$12,564$11,718$10,927$8,645
8 years$12,508$11,547$10,656$9,830$9,065$6,901
9 years$11,005$10,054$9,178$8,373$7,634$5,586
10 years$9,804$8,862$8,001$7,217$6,504$4,570
11 years$8,822$7,889$7,044$6,281$5,594$3,769
12 years$8,004$7,081$6,252$5,509$4,848$3,130
13 years$7,313$6,399$5,585$4,864$4,227$2,612
14 years$6,720$5,817$5,018$4,318$3,706$2,190
15 years$6,208$5,314$4,531$3,851$3,263$1,842
16 years$5,759$4,875$4,108$3,448$2,884$1,554
17 years$5,364$4,490$3,738$3,098$2,557$1,314
18 years$5,014$4,149$3,412$2,792$2,273$1,114
19 years$4,700$3,845$3,124$2,523$2,026$946
20 years$4,418$3,573$2,867$2,285$1,810$804
21 years$4,164$3,328$2,637$2,074$1,620$684
22 years$3,932$3,107$2,430$1,885$1,452$583
23 years$3,722$2,906$2,244$1,717$1,303$497
24 years$3,529$2,722$2,075$1,566$1,171$424
25 years$3,352$2,555$1,922$1,430$1,054$362
26 years$3,188$2,401$1,783$1,308$949$309
27 years$3,037$2,260$1,655$1,197$856$264
28 years$2,897$2,129$1,539$1,097$772$226
29 years$2,767$2,009$1,432$1,006$697$193
30 years$2,646$1,897$1,334$923$630$165
31 years$2,533$1,793$1,244$848$570$141
32 years$2,427$1,697$1,160$779$515$121
33 years$2,328$1,607$1,083$716$466$104
34 years$2,235$1,523$1,012$659$422$89
35 years$2,147$1,445$946$607$382$76
36 years$2,065$1,371$885$559$347$65
37 years$1,987$1,302$829$515$314$56
38 years$1,913$1,238$776$475$285$48
39 years$1,843$1,177$727$438$258$41
40 years$1,777$1,120$681$404$234$35
41 years$1,715$1,066$639$372$212$30
42 years$1,655$1,015$599$344$193$26
43 years$1,598$967$562$317$175$22
44 years$1,545$922$528$293$159$19
45 years$1,493$879$496$271$144$16
46 years$1,444$839$466$250$131$14
47 years$1,398$800$437$231$119$12
48 years$1,353$764$411$213$108$10
49 years$1,310$730$386$197$98$9
50 years$1,269$697$363$182$89$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,300,000, adding $6,293 every year, while hoping to spend $41,066 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: 59/13/28 Blend
34$1,300,000$1,300,000$1,300,000$1,300,000
35$1,439,091$1,370,191$1,350,041$1,512,703
36$1,542,185$1,393,637$1,351,574$1,587,184
37$1,654,417$1,416,855$1,351,781$1,663,486
38$1,776,678$1,439,791$1,350,576$1,745,864
39$1,909,944$1,462,386$1,347,866$1,834,920
40$2,055,294$1,484,578$1,343,554$1,931,316
41$2,213,911$1,506,299$1,337,540$2,035,786
42$2,387,099$1,527,477$1,329,717$2,149,136
43$2,576,295$1,548,035$1,319,975$2,272,258
44$2,783,079$1,567,891$1,308,196$2,406,133
45$3,009,191$1,586,955$1,294,258$2,551,847
46$3,256,547$1,605,134$1,278,034$2,710,595
47$3,527,256$1,622,327$1,259,389$2,883,697
48$3,823,641$1,638,427$1,238,184$3,072,607
49$4,148,261$1,653,318$1,214,272$3,278,931
50$4,503,933$1,666,880$1,187,499$3,504,439
51$4,893,758$1,678,981$1,157,704$3,751,085
52$5,321,153$1,689,483$1,124,720$4,021,023
53$5,789,883$1,698,240$1,088,370$4,316,628
54$6,304,091$1,705,093$1,048,470$4,640,521
55$6,868,342$1,709,877$1,004,828$4,995,593
56$7,487,667$1,712,415$957,243$5,385,029
57$8,167,603$1,712,517$905,505$5,812,346
58$8,914,252$1,709,985$849,393$6,281,420
59$9,734,337$1,704,605$788,679$6,796,527
60$10,635,262$1,696,153$723,122$7,362,380
61$11,625,184$1,684,389$652,472$7,984,178
62$12,713,089$1,669,061$576,466$8,667,655
63$13,908,878$1,649,899$494,831$9,419,130
64$15,223,457$1,626,618$407,282$10,245,575
65$16,668,844$1,598,916$313,520$11,154,675
66$18,258,277$1,566,473$213,234$12,154,904
67$20,006,342$1,528,951$106,098$13,255,606
68$21,929,110$1,485,991$0$14,467,083
69$24,044,287$1,437,213$0$15,803,153
70$26,371,381$1,382,214$0$17,307,866
71$28,931,889$1,320,569$0$18,963,407
72$31,749,494$1,251,829$0$20,785,113
73$34,850,290$1,175,516$0$22,789,885
74$38,263,032$1,091,128$0$24,996,348
75$42,019,400$998,133$0$27,425,027
76$46,154,305$895,968$0$30,098,542
77$50,706,211$784,037$0$33,041,821
78$55,717,503$661,713$0$36,282,333
79$61,234,883$528,332$0$39,850,354
80$67,309,813$383,192$0$43,779,244
81$73,998,999$225,553$0$48,105,772
82$81,364,924$54,633$0$52,870,455
83$89,476,442$0$0$58,117,945
84$98,409,422$0$0$63,916,107
85$108,247,466$0$0$70,310,473
86$119,082,701$0$0$77,353,125
87$131,016,640$0$0$85,110,063
88$144,161,147$0$0$93,654,017
89$158,639,489$0$0$103,065,131
90$174,587,501$0$0$113,431,717
91$192,154,863$0$0$124,851,095
92$211,506,518$0$0$137,430,503
93$232,824,226$0$0$151,288,116
94$256,308,277$0$0$166,554,156
95$282,179,385$0$0$183,372,124
96$310,680,768$0$0$201,900,152
97$342,080,442$0$0$222,312,497
98$376,673,756$0$0$244,801,185
99$414,786,173$0$0$269,577,822
100$456,776,344$0$0$296,875,595