Can I retire at age 35 with 1,310,000?

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$108,179$107,215$106,275$105,357$104,461$102,562
2 years$53,554$52,556$51,590$50,653$49,743$47,837
3 years$35,348$34,346$33,382$32,454$31,559$29,705
4 years$26,247$25,248$24,294$23,381$22,508$20,720
5 years$20,787$19,795$18,853$17,959$17,110$15,393
6 years$17,149$16,164$15,236$14,362$13,539$11,895
7 years$14,551$13,574$12,661$11,808$11,011$9,441
8 years$12,604$11,636$10,738$9,905$9,135$7,638
9 years$11,090$10,131$9,248$8,437$7,693$6,268
10 years$9,880$8,930$8,063$7,273$6,554$5,201
11 years$8,890$7,950$7,098$6,329$5,637$4,354
12 years$8,066$7,135$6,300$5,552$4,885$3,670
13 years$7,369$6,448$5,628$4,901$4,260$3,110
14 years$6,772$5,861$5,057$4,351$3,734$2,649
15 years$6,255$5,354$4,566$3,880$3,288$2,264
16 years$5,804$4,913$4,140$3,474$2,906$1,942
17 years$5,406$4,524$3,767$3,122$2,576$1,670
18 years$5,052$4,181$3,439$2,813$2,291$1,439
19 years$4,736$3,875$3,148$2,542$2,042$1,243
20 years$4,452$3,600$2,889$2,302$1,824$1,075
21 years$4,196$3,354$2,657$2,089$1,632$931
22 years$3,963$3,131$2,449$1,900$1,463$807
23 years$3,750$2,928$2,261$1,730$1,313$701
24 years$3,556$2,743$2,091$1,578$1,180$609
25 years$3,377$2,574$1,937$1,441$1,062$530
26 years$3,213$2,420$1,797$1,318$957$461
27 years$3,061$2,277$1,668$1,206$863$401
28 years$2,920$2,146$1,551$1,105$778$350
29 years$2,789$2,024$1,443$1,013$703$305
30 years$2,667$1,912$1,344$930$635$266
31 years$2,553$1,807$1,253$854$574$232
32 years$2,446$1,710$1,169$785$519$202
33 years$2,346$1,619$1,092$722$470$176
34 years$2,252$1,535$1,020$664$426$154
35 years$2,164$1,456$954$611$385$134
36 years$2,081$1,382$892$563$349$117
37 years$2,002$1,312$835$519$317$102
38 years$1,928$1,247$782$478$287$89
39 years$1,858$1,186$733$441$260$78
40 years$1,791$1,128$687$407$236$68
41 years$1,728$1,074$644$375$214$60
42 years$1,668$1,023$604$346$194$52
43 years$1,611$975$567$320$176$46
44 years$1,556$929$532$295$160$40
45 years$1,505$886$500$273$145$35
46 years$1,455$845$469$252$132$30
47 years$1,408$806$441$233$120$27
48 years$1,363$770$414$215$109$23
49 years$1,320$735$389$199$99$20
50 years$1,279$702$366$184$90$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,310,000, adding $3,121 every year, while hoping to spend $47,012 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: 72/21/7 Blend
34$1,310,000$1,310,000$1,310,000$1,310,000
35$1,446,839$1,377,409$1,357,104$1,549,312
36$1,544,397$1,394,882$1,352,547$1,634,820
37$1,650,329$1,411,635$1,346,261$1,722,242
38$1,765,441$1,427,584$1,338,140$1,816,643
39$1,890,618$1,442,638$1,328,069$1,918,695
40$2,026,834$1,456,700$1,315,933$2,029,143
41$2,175,161$1,469,667$1,301,606$2,148,805
42$2,336,776$1,481,430$1,284,959$2,278,582
43$2,512,979$1,491,872$1,265,856$2,419,470
44$2,705,196$1,500,867$1,244,156$2,572,563
45$2,915,001$1,508,284$1,219,709$2,739,070
46$3,144,122$1,513,981$1,192,361$2,920,319
47$3,394,465$1,517,809$1,161,948$3,117,780
48$3,668,127$1,519,608$1,128,300$3,333,067
49$3,967,417$1,519,209$1,091,238$3,567,963
50$4,294,875$1,516,433$1,050,577$3,824,431
51$4,653,303$1,511,088$1,006,121$4,104,638
52$5,045,781$1,502,973$957,668$4,410,968
53$5,475,703$1,491,871$905,002$4,746,053
54$5,946,809$1,477,557$847,904$5,112,793
55$6,463,213$1,459,787$786,138$5,514,383
56$7,029,450$1,438,306$719,463$5,954,347
57$7,650,514$1,412,842$647,625$6,436,569
58$8,331,904$1,383,109$570,358$6,965,332
59$9,079,678$1,348,802$487,385$7,545,354
60$9,900,510$1,309,598$398,418$8,181,839
61$10,801,750$1,265,156$303,152$8,880,522
62$11,791,495$1,215,116$201,275$9,647,726
63$12,878,665$1,159,094$92,455$10,490,421
64$14,073,087$1,096,687$0$11,416,288
65$15,385,584$1,027,467$0$12,435,567
66$16,828,083$950,982$0$13,563,307
67$18,413,722$866,755$0$14,802,917
68$20,156,974$774,279$0$16,165,768
69$22,073,788$673,021$0$17,664,397
70$24,181,732$562,417$0$19,312,620
71$26,500,164$441,870$0$21,125,663
72$29,050,410$310,751$0$23,120,310
73$31,855,969$168,395$0$25,315,059
74$34,942,731$14,100$0$27,730,298
75$38,339,223$0$0$30,388,498
76$42,076,875$0$0$33,349,751
77$46,190,320$0$0$36,612,398
78$50,717,717$0$0$40,203,455
79$55,701,112$0$0$44,156,282
80$61,186,834$0$0$48,507,639
81$67,225,932$0$0$53,298,027
82$73,874,657$0$0$58,572,077
83$81,194,989$0$0$64,378,966
84$89,255,227$0$0$70,772,883
85$98,130,627$0$0$77,813,538
86$107,904,115$0$0$85,566,727
87$118,667,071$0$0$94,104,952
88$130,520,185$0$0$103,508,104
89$143,574,413$0$0$113,864,218
90$157,952,019$0$0$125,270,301
91$173,787,730$0$0$137,833,251
92$191,230,010$0$0$151,670,861
93$210,442,453$0$0$166,912,934
94$231,605,336$0$0$183,702,506
95$254,917,312$0$0$202,197,193
96$280,597,289$0$0$222,570,685
97$308,886,493$0$0$245,014,379
98$340,050,747$0$0$269,739,187
99$374,382,977$0$0$296,977,525
100$412,205,977$0$0$326,985,509