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 $2,622 every year, while hoping to spend $47,039 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: 48/47/5 Blend
34$1,300,000$1,300,000$1,300,000$1,300,000
35$1,435,305$1,366,405$1,346,255$1,502,266
36$1,531,657$1,383,309$1,341,305$1,565,197
37$1,636,260$1,399,466$1,334,613$1,628,264
38$1,749,906$1,414,788$1,326,071$1,695,611
39$1,873,468$1,429,183$1,315,565$1,767,648
40$2,007,902$1,442,553$1,302,977$1,844,827
41$2,154,263$1,454,794$1,288,182$1,927,648
42$2,313,713$1,465,794$1,271,051$2,016,664
43$2,487,527$1,475,433$1,251,446$2,112,484
44$2,677,112$1,483,586$1,229,227$2,215,783
45$2,884,013$1,490,118$1,204,242$2,327,304
46$3,109,935$1,494,886$1,176,336$2,447,870
47$3,356,751$1,497,738$1,145,346$2,578,388
48$3,626,524$1,498,512$1,111,100$2,719,863
49$3,921,527$1,497,037$1,073,419$2,873,401
50$4,244,261$1,493,129$1,032,117$3,040,228
51$4,597,480$1,486,597$986,997$3,221,694
52$4,984,216$1,477,234$937,855$3,419,291
53$5,407,811$1,464,823$884,478$3,634,669
54$5,871,941$1,449,133$826,641$3,869,648
55$6,380,657$1,429,918$764,112$4,126,236
56$6,938,420$1,406,920$696,646$4,406,655
57$7,550,143$1,379,864$623,988$4,713,354
58$8,221,239$1,348,458$545,872$5,049,039
59$8,957,667$1,312,394$462,020$5,416,696
60$9,765,993$1,271,346$372,142$5,819,623
61$10,653,450$1,224,967$275,935$6,261,459
62$11,628,004$1,172,893$173,081$6,746,222
63$12,698,432$1,114,736$63,250$7,278,347
64$13,874,401$1,050,087$0$7,862,728
65$15,166,562$978,513$0$8,507,646
66$16,586,647$899,557$0$9,219,972
67$18,147,585$812,734$0$10,002,927
68$19,863,614$717,534$0$10,863,792
69$21,750,425$613,415$0$11,810,600
70$23,825,303$499,808$0$12,852,212
71$26,107,294$376,108$0$13,998,406
72$28,617,380$241,679$0$15,259,966
73$31,378,679$95,848$0$16,648,789
74$34,416,665$0$0$18,178,001
75$37,759,401$0$0$19,894,190
76$41,437,812$0$0$21,837,433
77$45,485,971$0$0$23,976,179
78$49,941,418$0$0$26,330,284
79$54,845,522$0$0$28,921,627
80$60,243,861$0$0$31,774,314
81$66,186,660$0$0$34,914,910
82$72,729,259$0$0$38,372,685
83$79,932,638$0$0$42,179,892
84$87,863,988$0$0$46,372,069
85$96,597,350$0$0$50,988,377
86$106,214,309$0$0$56,071,969
87$116,804,765$0$0$61,670,396
88$128,467,780$0$0$67,836,052
89$141,312,514$0$0$74,626,678
90$155,459,253$0$0$82,105,894
91$171,040,544$0$0$90,343,810
92$188,202,447$0$0$99,417,682
93$207,105,911$0$0$109,412,640
94$227,928,293$0$0$120,422,497
95$250,865,031$0$0$132,550,627
96$276,131,491$0$0$145,910,945
97$303,964,993$0$0$160,628,980
98$334,627,058$0$0$176,843,061
99$368,405,869$0$0$194,705,621
100$405,618,994$0$0$214,384,636