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

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$108,179$107,215$106,275$105,357$104,461$102,436
2 years$53,554$52,556$51,590$50,653$49,743$47,711
3 years$35,348$34,346$33,382$32,454$31,559$29,583
4 years$26,247$25,248$24,294$23,381$22,508$20,604
5 years$20,787$19,795$18,853$17,959$17,110$15,283
6 years$17,149$16,164$15,236$14,362$13,539$11,791
7 years$14,551$13,574$12,661$11,808$11,011$9,342
8 years$12,604$11,636$10,738$9,905$9,135$7,545
9 years$11,090$10,131$9,248$8,437$7,693$6,181
10 years$9,880$8,930$8,063$7,273$6,554$5,120
11 years$8,890$7,950$7,098$6,329$5,637$4,277
12 years$8,066$7,135$6,300$5,552$4,885$3,598
13 years$7,369$6,448$5,628$4,901$4,260$3,044
14 years$6,772$5,861$5,057$4,351$3,734$2,587
15 years$6,255$5,354$4,566$3,880$3,288$2,207
16 years$5,804$4,913$4,140$3,474$2,906$1,888
17 years$5,406$4,524$3,767$3,122$2,576$1,620
18 years$5,052$4,181$3,439$2,813$2,291$1,393
19 years$4,736$3,875$3,148$2,542$2,042$1,201
20 years$4,452$3,600$2,889$2,302$1,824$1,036
21 years$4,196$3,354$2,657$2,089$1,632$895
22 years$3,963$3,131$2,449$1,900$1,463$775
23 years$3,750$2,928$2,261$1,730$1,313$671
24 years$3,556$2,743$2,091$1,578$1,180$582
25 years$3,377$2,574$1,937$1,441$1,062$505
26 years$3,213$2,420$1,797$1,318$957$438
27 years$3,061$2,277$1,668$1,206$863$381
28 years$2,920$2,146$1,551$1,105$778$331
29 years$2,789$2,024$1,443$1,013$703$288
30 years$2,667$1,912$1,344$930$635$250
31 years$2,553$1,807$1,253$854$574$218
32 years$2,446$1,710$1,169$785$519$189
33 years$2,346$1,619$1,092$722$470$165
34 years$2,252$1,535$1,020$664$426$143
35 years$2,164$1,456$954$611$385$125
36 years$2,081$1,382$892$563$349$109
37 years$2,002$1,312$835$519$317$95
38 years$1,928$1,247$782$478$287$83
39 years$1,858$1,186$733$441$260$72
40 years$1,791$1,128$687$407$236$63
41 years$1,728$1,074$644$375$214$55
42 years$1,668$1,023$604$346$194$48
43 years$1,611$975$567$320$176$41
44 years$1,556$929$532$295$160$36
45 years$1,505$886$500$273$145$32
46 years$1,455$845$469$252$132$27
47 years$1,408$806$441$233$120$24
48 years$1,363$770$414$215$109$21
49 years$1,320$735$389$199$99$18
50 years$1,279$702$366$184$90$16

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 $3,664 every year, while hoping to spend $59,975 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: 59/26/15 Blend
34$1,310,000$1,310,000$1,310,000$1,310,000
35$1,447,399$1,377,969$1,357,664$1,527,075
36$1,531,221$1,381,677$1,339,333$1,585,012
37$1,621,583$1,383,556$1,318,378$1,641,184
38$1,719,088$1,383,454$1,294,647$1,701,035
39$1,824,399$1,381,208$1,267,983$1,764,927
40$1,938,247$1,376,646$1,238,219$1,833,261
41$2,061,431$1,369,585$1,205,182$1,906,483
42$2,194,833$1,359,830$1,168,691$1,985,084
43$2,339,420$1,347,176$1,128,557$2,069,608
44$2,496,258$1,331,405$1,084,581$2,160,656
45$2,666,518$1,312,285$1,036,555$2,258,896
46$2,851,486$1,289,570$984,264$2,365,065
47$3,052,580$1,263,002$927,479$2,479,976
48$3,271,359$1,232,304$865,965$2,604,533
49$3,509,536$1,197,186$799,473$2,739,733
50$3,768,999$1,157,338$727,746$2,886,678
51$4,051,825$1,112,436$650,513$3,046,587
52$4,360,298$1,062,132$567,492$3,220,809
53$4,696,933$1,006,061$478,388$3,410,834
54$5,064,500$943,838$382,894$3,618,309
55$5,466,045$875,052$280,687$3,845,055
56$5,904,925$799,273$171,433$4,093,083
57$6,384,832$716,042$54,781$4,364,616
58$6,909,835$624,878$0$4,662,112
59$7,484,411$525,270$0$4,999,439
60$8,113,492$416,679$0$5,378,521
61$8,802,508$298,536$0$5,793,957
62$9,557,438$170,239$0$6,249,470
63$10,384,870$31,154$0$6,749,168
64$11,292,055$0$0$7,297,584
65$12,286,983$0$0$7,933,878
66$13,378,453$0$0$8,641,801
67$14,576,156$0$0$9,418,740
68$15,890,767$0$0$10,271,635
69$17,334,045$0$0$11,208,129
70$18,918,945$0$0$12,236,642
71$20,659,733$0$0$13,366,449
72$22,572,131$0$0$14,607,770
73$24,673,454$0$0$15,971,861
74$26,982,779$0$0$17,471,122
75$29,521,124$0$0$19,119,218
76$32,311,642$0$0$20,931,200
77$35,379,842$0$0$22,923,651
78$38,753,830$0$0$25,114,843
79$42,464,570$0$0$27,524,905
80$46,546,178$0$0$30,176,017
81$51,036,242$0$0$33,092,614
82$55,976,176$0$0$36,301,621
83$61,411,612$0$0$39,832,705
84$67,392,828$0$0$43,718,551
85$73,975,220$0$0$47,995,174
86$81,219,828$0$0$52,702,260
87$89,193,910$0$0$57,883,532
88$97,971,571$0$0$63,587,173
89$107,634,471$0$0$69,866,269
90$118,272,585$0$0$76,779,320
91$129,985,057$0$0$84,390,782
92$142,881,135$0$0$92,771,682
93$157,081,198$0$0$102,000,286
94$172,717,891$0$0$112,162,832
95$189,937,381$0$0$123,354,351
96$208,900,731$0$0$135,679,559
97$229,785,419$0$0$149,253,845
98$252,787,015$0$0$164,204,359
99$278,121,023$0$0$180,671,214
100$306,024,917$0$0$198,808,806