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%12.4%
1 years$107,353$106,397$105,464$104,553$103,664$102,624
2 years$53,145$52,155$51,196$50,266$49,364$48,316
3 years$35,078$34,084$33,127$32,206$31,318$30,296
4 years$26,046$25,055$24,108$23,202$22,337$21,347
5 years$20,629$19,644$18,709$17,822$16,980$16,026
6 years$17,018$16,041$15,120$14,252$13,436$12,519
7 years$14,440$13,471$12,564$11,718$10,927$10,047
8 years$12,508$11,547$10,656$9,830$9,065$8,223
9 years$11,005$10,054$9,178$8,373$7,634$6,829
10 years$9,804$8,862$8,001$7,217$6,504$5,736
11 years$8,822$7,889$7,044$6,281$5,594$4,861
12 years$8,004$7,081$6,252$5,509$4,848$4,150
13 years$7,313$6,399$5,585$4,864$4,227$3,564
14 years$6,720$5,817$5,018$4,318$3,706$3,076
15 years$6,208$5,314$4,531$3,851$3,263$2,665
16 years$5,759$4,875$4,108$3,448$2,884$2,318
17 years$5,364$4,490$3,738$3,098$2,557$2,021
18 years$5,014$4,149$3,412$2,792$2,273$1,768
19 years$4,700$3,845$3,124$2,523$2,026$1,549
20 years$4,418$3,573$2,867$2,285$1,810$1,360
21 years$4,164$3,328$2,637$2,074$1,620$1,196
22 years$3,932$3,107$2,430$1,885$1,452$1,053
23 years$3,722$2,906$2,244$1,717$1,303$928
24 years$3,529$2,722$2,075$1,566$1,171$819
25 years$3,352$2,555$1,922$1,430$1,054$724
26 years$3,188$2,401$1,783$1,308$949$640
27 years$3,037$2,260$1,655$1,197$856$566
28 years$2,897$2,129$1,539$1,097$772$501
29 years$2,767$2,009$1,432$1,006$697$444
30 years$2,646$1,897$1,334$923$630$393
31 years$2,533$1,793$1,244$848$570$349
32 years$2,427$1,697$1,160$779$515$309
33 years$2,328$1,607$1,083$716$466$275
34 years$2,235$1,523$1,012$659$422$244
35 years$2,147$1,445$946$607$382$216
36 years$2,065$1,371$885$559$347$192
37 years$1,987$1,302$829$515$314$171
38 years$1,913$1,238$776$475$285$152
39 years$1,843$1,177$727$438$258$135
40 years$1,777$1,120$681$404$234$120
41 years$1,715$1,066$639$372$212$106
42 years$1,655$1,015$599$344$193$95
43 years$1,598$967$562$317$175$84
44 years$1,545$922$528$293$159$75
45 years$1,493$879$496$271$144$66
46 years$1,444$839$466$250$131$59
47 years$1,398$800$437$231$119$53
48 years$1,353$764$411$213$108$47
49 years$1,310$730$386$197$98$42
50 years$1,269$697$363$182$89$37

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 $3,068 every year, while hoping to spend $41,412 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: 55/28/17 Blend
34$1,300,000$1,300,000$1,300,000$1,300,000
35$1,435,765$1,366,865$1,346,715$1,508,064
36$1,538,151$1,389,779$1,347,768$1,580,602
37$1,649,592$1,412,428$1,347,468$1,654,852
38$1,770,969$1,434,755$1,345,726$1,734,778
39$1,903,249$1,456,700$1,342,450$1,820,935
40$2,047,499$1,478,197$1,337,540$1,913,931
41$2,204,891$1,499,175$1,330,895$2,014,439
42$2,376,716$1,519,561$1,322,406$2,123,201
43$2,564,395$1,539,274$1,311,961$2,241,034
44$2,769,493$1,558,228$1,299,441$2,368,842
45$2,993,733$1,576,332$1,284,724$2,507,620
46$3,239,009$1,593,489$1,267,678$2,658,465
47$3,507,412$1,609,594$1,248,169$2,822,589
48$3,801,239$1,624,535$1,226,054$3,001,329
49$4,123,023$1,638,195$1,201,184$3,196,157
50$4,475,552$1,650,447$1,173,405$3,408,699
51$4,861,896$1,661,157$1,142,551$3,640,749
52$5,285,438$1,670,181$1,108,455$3,894,284
53$5,749,900$1,677,368$1,070,936$4,171,486
54$6,259,386$1,682,555$1,029,809$4,474,761
55$6,818,415$1,685,571$984,878$4,806,763
56$7,431,962$1,686,233$935,940$5,170,419
57$8,105,510$1,684,346$882,782$5,568,958
58$8,845,098$1,679,705$825,181$6,005,940
59$9,657,378$1,672,091$762,905$6,485,292
60$10,549,677$1,661,270$695,709$7,011,345
61$11,530,070$1,646,998$623,341$7,588,875
62$12,607,449$1,629,013$545,535$8,223,149
63$13,791,612$1,607,038$462,014$8,919,976
64$15,093,353$1,580,780$372,488$9,685,762
65$16,524,564$1,549,927$276,655$10,527,569
66$18,098,347$1,514,150$174,200$11,453,187
67$19,829,137$1,473,102$64,794$12,471,206
68$21,732,836$1,426,412$0$13,591,095
69$23,826,969$1,373,689$0$14,832,722
70$26,130,841$1,314,521$0$16,211,333
71$28,665,724$1,248,469$0$17,727,926
72$31,455,055$1,175,072$0$19,396,569
73$34,524,659$1,093,838$0$21,232,772
74$37,902,989$1,004,252$0$23,253,627
75$41,621,400$905,766$0$25,477,976
76$45,714,435$797,801$0$27,926,587
77$50,220,162$679,748$0$30,622,353
78$55,180,522$550,959$0$33,590,503
79$60,641,734$410,754$0$36,858,851
80$66,654,721$258,412$0$40,458,049
81$73,275,601$93,173$0$44,421,886
82$80,566,207$0$0$48,787,603
83$88,594,674$0$0$53,622,672
84$97,436,082$0$0$58,979,101
85$107,173,164$0$0$64,878,324
86$117,897,083$0$0$71,375,592
87$129,708,299$0$0$78,531,793
88$142,717,509$0$0$86,414,016
89$157,046,695$0$0$95,096,193
90$172,830,277$0$0$104,659,793
91$190,216,375$0$0$115,194,589
92$209,368,214$0$0$126,799,508
93$230,465,658$0$0$139,583,564
94$253,706,911$0$0$153,666,885
95$279,310,385$0$0$169,181,847
96$307,516,763$0$0$186,274,325
97$338,591,267$0$0$205,105,067
98$372,826,167$0$0$225,851,215
99$410,543,532$0$0$248,707,970
100$452,098,275$0$0$273,890,442