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%15.6%
1 years$107,353$106,397$105,464$104,553$103,664$101,281
2 years$53,145$52,155$51,196$50,266$49,364$46,976
3 years$35,078$34,084$33,127$32,206$31,318$29,001
4 years$26,046$25,055$24,108$23,202$22,337$20,107
5 years$20,629$19,644$18,709$17,822$16,980$14,844
6 years$17,018$16,041$15,120$14,252$13,436$11,396
7 years$14,440$13,471$12,564$11,718$10,927$8,984
8 years$12,508$11,547$10,656$9,830$9,065$7,218
9 years$11,005$10,054$9,178$8,373$7,634$5,881
10 years$9,804$8,862$8,001$7,217$6,504$4,844
11 years$8,822$7,889$7,044$6,281$5,594$4,024
12 years$8,004$7,081$6,252$5,509$4,848$3,365
13 years$7,313$6,399$5,585$4,864$4,227$2,830
14 years$6,720$5,817$5,018$4,318$3,706$2,390
15 years$6,208$5,314$4,531$3,851$3,263$2,026
16 years$5,759$4,875$4,108$3,448$2,884$1,723
17 years$5,364$4,490$3,738$3,098$2,557$1,469
18 years$5,014$4,149$3,412$2,792$2,273$1,255
19 years$4,700$3,845$3,124$2,523$2,026$1,074
20 years$4,418$3,573$2,867$2,285$1,810$921
21 years$4,164$3,328$2,637$2,074$1,620$790
22 years$3,932$3,107$2,430$1,885$1,452$679
23 years$3,722$2,906$2,244$1,717$1,303$584
24 years$3,529$2,722$2,075$1,566$1,171$503
25 years$3,352$2,555$1,922$1,430$1,054$433
26 years$3,188$2,401$1,783$1,308$949$373
27 years$3,037$2,260$1,655$1,197$856$322
28 years$2,897$2,129$1,539$1,097$772$278
29 years$2,767$2,009$1,432$1,006$697$240
30 years$2,646$1,897$1,334$923$630$207
31 years$2,533$1,793$1,244$848$570$179
32 years$2,427$1,697$1,160$779$515$154
33 years$2,328$1,607$1,083$716$466$133
34 years$2,235$1,523$1,012$659$422$115
35 years$2,147$1,445$946$607$382$100
36 years$2,065$1,371$885$559$347$86
37 years$1,987$1,302$829$515$314$74
38 years$1,913$1,238$776$475$285$64
39 years$1,843$1,177$727$438$258$56
40 years$1,777$1,120$681$404$234$48
41 years$1,715$1,066$639$372$212$42
42 years$1,655$1,015$599$344$193$36
43 years$1,598$967$562$317$175$31
44 years$1,545$922$528$293$159$27
45 years$1,493$879$496$271$144$23
46 years$1,444$839$466$250$131$20
47 years$1,398$800$437$231$119$17
48 years$1,353$764$411$213$108$15
49 years$1,310$730$386$197$98$13
50 years$1,269$697$363$182$89$11

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 $5,319 every year, while hoping to spend $24,100 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: 71/19/10 Blend
34$1,300,000$1,300,000$1,300,000$1,300,000
35$1,438,087$1,369,187$1,349,037$1,537,036
36$1,559,129$1,410,634$1,368,587$1,644,673
37$1,691,710$1,453,306$1,387,985$1,758,985
38$1,836,982$1,497,234$1,407,199$1,883,460
39$1,996,211$1,542,456$1,426,198$2,019,095
40$2,170,796$1,589,008$1,444,946$2,166,984
41$2,362,274$1,636,926$1,463,409$2,328,337
42$2,572,339$1,686,248$1,481,546$2,504,481
43$2,802,858$1,737,015$1,499,318$2,696,882
44$3,055,886$1,789,266$1,516,682$2,907,150
45$3,333,688$1,843,041$1,533,593$3,137,062
46$3,638,758$1,898,384$1,550,002$3,388,572
47$3,973,844$1,955,337$1,565,860$3,663,834
48$4,341,972$2,013,945$1,581,112$3,965,219
49$4,746,478$2,074,253$1,595,704$4,295,340
50$5,191,034$2,136,307$1,609,575$4,657,074
51$5,679,688$2,200,154$1,622,665$5,053,591
52$6,216,899$2,265,844$1,634,907$5,488,383
53$6,807,578$2,333,427$1,646,232$5,965,295
54$7,457,139$2,402,952$1,656,568$6,488,566
55$8,171,542$2,474,472$1,665,838$7,062,862
56$8,957,359$2,548,041$1,673,963$7,693,328
57$9,821,828$2,623,712$1,680,859$8,385,628
58$10,772,922$2,701,543$1,686,436$9,146,004
59$11,819,431$2,781,589$1,690,602$9,981,333
60$12,971,035$2,863,908$1,693,259$10,899,193
61$14,238,402$2,948,561$1,694,305$11,907,932
62$15,633,287$3,035,609$1,693,632$13,016,747
63$17,168,641$3,125,112$1,691,127$14,235,772
64$18,858,735$3,217,135$1,686,673$15,576,175
65$20,719,293$3,311,743$1,680,144$17,050,259
66$22,767,643$3,409,000$1,671,411$18,671,579
67$25,022,877$3,508,975$1,660,337$20,455,075
68$27,506,032$3,611,737$1,646,780$22,417,205
69$30,240,290$3,717,354$1,630,590$24,576,106
70$33,251,194$3,825,899$1,611,609$26,951,761
71$36,566,892$3,937,444$1,589,674$29,566,192
72$40,218,399$4,052,064$1,564,613$32,443,663
73$44,239,894$4,169,832$1,536,245$35,610,911
74$48,669,036$4,290,827$1,504,382$39,097,399
75$53,547,325$4,415,125$1,468,827$42,935,593
76$58,920,493$4,542,807$1,429,373$47,161,268
77$64,838,931$4,673,953$1,385,805$51,813,846
78$71,358,170$4,808,643$1,337,896$56,936,767
79$78,539,398$4,946,963$1,285,411$62,577,901
80$86,450,048$5,088,994$1,228,103$68,789,998
81$95,164,421$5,234,824$1,165,713$75,631,184
82$104,764,400$5,384,538$1,097,972$83,165,515
83$115,340,212$5,538,224$1,024,598$91,463,577
84$126,991,288$5,695,971$945,296$100,603,151
85$139,827,194$5,857,868$859,758$110,669,952
86$153,968,670$6,024,006$767,662$121,758,435
87$169,548,769$6,194,476$668,673$133,972,686
88$186,714,109$6,369,372$562,440$147,427,405
89$205,626,262$6,548,785$448,596$162,248,990
90$226,463,275$6,732,810$326,758$178,576,727
91$249,421,353$6,921,541$196,528$196,564,110
92$274,716,707$7,115,072$57,488$216,380,282
93$302,587,600$7,313,500$0$238,211,640
94$333,296,592$7,516,919$0$262,273,286
95$367,133,022$7,725,424$0$288,789,053
96$404,415,732$7,939,112$0$318,002,290
97$445,496,086$8,158,078$0$350,187,927
98$490,761,279$8,382,417$0$385,648,935
99$540,637,997$8,612,222$0$424,719,178
100$595,596,441$8,847,589$0$467,766,570