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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.7%
1 years$107,353$106,397$105,464$104,553$103,664$102,073
2 years$53,145$52,155$51,196$50,266$49,364$47,764
3 years$35,078$34,084$33,127$32,206$31,318$29,761
4 years$26,046$25,055$24,108$23,202$22,337$20,833
5 years$20,629$19,644$18,709$17,822$16,980$15,534
6 years$17,018$16,041$15,120$14,252$13,436$12,049
7 years$14,440$13,471$12,564$11,718$10,927$9,601
8 years$12,508$11,547$10,656$9,830$9,065$7,799
9 years$11,005$10,054$9,178$8,373$7,634$6,427
10 years$9,804$8,862$8,001$7,217$6,504$5,356
11 years$8,822$7,889$7,044$6,281$5,594$4,503
12 years$8,004$7,081$6,252$5,509$4,848$3,812
13 years$7,313$6,399$5,585$4,864$4,227$3,246
14 years$6,720$5,817$5,018$4,318$3,706$2,778
15 years$6,208$5,314$4,531$3,851$3,263$2,386
16 years$5,759$4,875$4,108$3,448$2,884$2,056
17 years$5,364$4,490$3,738$3,098$2,557$1,777
18 years$5,014$4,149$3,412$2,792$2,273$1,539
19 years$4,700$3,845$3,124$2,523$2,026$1,336
20 years$4,418$3,573$2,867$2,285$1,810$1,162
21 years$4,164$3,328$2,637$2,074$1,620$1,012
22 years$3,932$3,107$2,430$1,885$1,452$882
23 years$3,722$2,906$2,244$1,717$1,303$770
24 years$3,529$2,722$2,075$1,566$1,171$673
25 years$3,352$2,555$1,922$1,430$1,054$588
26 years$3,188$2,401$1,783$1,308$949$515
27 years$3,037$2,260$1,655$1,197$856$451
28 years$2,897$2,129$1,539$1,097$772$395
29 years$2,767$2,009$1,432$1,006$697$346
30 years$2,646$1,897$1,334$923$630$303
31 years$2,533$1,793$1,244$848$570$266
32 years$2,427$1,697$1,160$779$515$234
33 years$2,328$1,607$1,083$716$466$205
34 years$2,235$1,523$1,012$659$422$180
35 years$2,147$1,445$946$607$382$158
36 years$2,065$1,371$885$559$347$139
37 years$1,987$1,302$829$515$314$122
38 years$1,913$1,238$776$475$285$107
39 years$1,843$1,177$727$438$258$94
40 years$1,777$1,120$681$404$234$83
41 years$1,715$1,066$639$372$212$73
42 years$1,655$1,015$599$344$193$64
43 years$1,598$967$562$317$175$56
44 years$1,545$922$528$293$159$49
45 years$1,493$879$496$271$144$43
46 years$1,444$839$466$250$131$38
47 years$1,398$800$437$231$119$34
48 years$1,353$764$411$213$108$30
49 years$1,310$730$386$197$98$26
50 years$1,269$697$363$182$89$23

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 $5,173 every year, while hoping to spend $29,791 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: 31/44/25 Blend
34$1,300,000$1,300,000$1,300,000$1,300,000
35$1,437,936$1,369,036$1,348,886$1,471,310
36$1,552,908$1,404,421$1,362,376$1,532,684
37$1,678,609$1,440,542$1,375,320$1,595,704
38$1,816,101$1,477,403$1,387,667$1,662,941
39$1,966,555$1,515,007$1,399,366$1,734,784
40$2,131,260$1,553,359$1,410,361$1,811,660
41$2,311,634$1,592,459$1,420,594$1,894,040
42$2,509,241$1,632,309$1,430,003$1,982,443
43$2,725,800$1,672,910$1,438,525$2,077,439
44$2,963,208$1,714,259$1,446,093$2,179,659
45$3,223,552$1,756,354$1,452,634$2,289,796
46$3,509,132$1,799,192$1,458,074$2,408,615
47$3,822,478$1,842,768$1,462,335$2,536,958
48$4,166,382$1,887,075$1,465,334$2,675,754
49$4,543,915$1,932,104$1,466,985$2,826,026
50$4,958,463$1,977,845$1,467,197$2,988,903
51$5,413,753$2,024,286$1,465,874$3,165,628
52$5,913,892$2,071,413$1,462,918$3,357,571
53$6,463,406$2,119,209$1,458,222$3,566,245
54$7,067,278$2,167,655$1,451,678$3,793,314
55$7,731,001$2,216,730$1,443,169$4,040,615
56$8,460,623$2,266,410$1,432,576$4,310,172
57$9,262,811$2,316,668$1,419,771$4,604,218
58$10,144,906$2,367,474$1,404,622$4,925,213
59$11,115,000$2,418,793$1,386,990$5,275,869
60$12,182,005$2,470,589$1,366,729$5,659,178
61$13,355,743$2,522,822$1,343,689$6,078,435
62$14,647,035$2,575,446$1,317,708$6,537,276
63$16,067,802$2,628,412$1,288,620$7,039,707
64$17,631,180$2,681,667$1,256,252$7,590,148
65$19,351,644$2,735,152$1,220,419$8,193,467
66$21,245,140$2,788,803$1,180,932$8,855,035
67$23,329,241$2,842,551$1,137,591$9,580,771
68$25,623,310$2,896,322$1,090,185$10,377,202
69$28,148,679$2,950,034$1,038,499$11,251,521
70$30,928,858$3,003,599$982,302$12,211,660
71$33,989,749$3,056,922$921,356$13,266,364
72$37,359,894$3,109,903$855,413$14,425,270
73$41,070,745$3,162,429$784,210$15,699,006
74$45,156,956$3,214,384$707,477$17,099,286
75$49,656,717$3,265,640$624,929$18,639,023
76$54,612,107$3,316,061$536,269$20,332,454
77$60,069,494$3,365,500$441,186$22,195,271
78$66,079,974$3,413,801$339,357$24,244,774
79$72,699,849$3,460,795$230,443$26,500,032
80$79,991,163$3,506,304$114,092$28,982,066
81$88,022,282$3,550,133$0$31,714,049
82$96,868,545$3,592,079$0$34,724,210
83$106,612,968$3,631,923$0$38,070,671
84$117,347,032$3,669,429$0$41,754,110
85$129,171,547$3,704,348$0$45,808,847
86$142,197,598$3,736,415$0$50,272,709
87$156,547,600$3,765,345$0$55,187,383
88$172,356,445$3,790,838$0$60,598,811
89$189,772,784$3,812,570$0$66,557,626
90$208,960,423$3,830,201$0$73,119,628
91$230,099,871$3,843,366$0$80,346,314
92$253,390,047$3,851,680$0$88,305,459
93$279,050,150$3,854,730$0$97,071,755
94$307,321,734$3,852,081$0$106,727,520
95$338,470,986$3,843,269$0$117,363,473
96$372,791,240$3,827,801$0$129,079,594
97$410,605,739$3,805,157$0$141,986,068
98$452,270,696$3,774,781$0$156,204,327
99$498,178,649$3,736,087$0$171,868,198
100$548,762,168$3,688,452$0$189,125,166