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%15%
1 years$108,179$107,215$106,275$105,357$104,461$102,310
2 years$53,554$52,556$51,590$50,653$49,743$47,586
3 years$35,348$34,346$33,382$32,454$31,559$29,463
4 years$26,247$25,248$24,294$23,381$22,508$20,489
5 years$20,787$19,795$18,853$17,959$17,110$15,174
6 years$17,149$16,164$15,236$14,362$13,539$11,688
7 years$14,551$13,574$12,661$11,808$11,011$9,245
8 years$12,604$11,636$10,738$9,905$9,135$7,453
9 years$11,090$10,131$9,248$8,437$7,693$6,095
10 years$9,880$8,930$8,063$7,273$6,554$5,039
11 years$8,890$7,950$7,098$6,329$5,637$4,202
12 years$8,066$7,135$6,300$5,552$4,885$3,528
13 years$7,369$6,448$5,628$4,901$4,260$2,978
14 years$6,772$5,861$5,057$4,351$3,734$2,526
15 years$6,255$5,354$4,566$3,880$3,288$2,150
16 years$5,804$4,913$4,140$3,474$2,906$1,836
17 years$5,406$4,524$3,767$3,122$2,576$1,572
18 years$5,052$4,181$3,439$2,813$2,291$1,349
19 years$4,736$3,875$3,148$2,542$2,042$1,160
20 years$4,452$3,600$2,889$2,302$1,824$999
21 years$4,196$3,354$2,657$2,089$1,632$861
22 years$3,963$3,131$2,449$1,900$1,463$743
23 years$3,750$2,928$2,261$1,730$1,313$642
24 years$3,556$2,743$2,091$1,578$1,180$556
25 years$3,377$2,574$1,937$1,441$1,062$481
26 years$3,213$2,420$1,797$1,318$957$416
27 years$3,061$2,277$1,668$1,206$863$361
28 years$2,920$2,146$1,551$1,105$778$313
29 years$2,789$2,024$1,443$1,013$703$271
30 years$2,667$1,912$1,344$930$635$235
31 years$2,553$1,807$1,253$854$574$204
32 years$2,446$1,710$1,169$785$519$177
33 years$2,346$1,619$1,092$722$470$154
34 years$2,252$1,535$1,020$664$426$134
35 years$2,164$1,456$954$611$385$116
36 years$2,081$1,382$892$563$349$101
37 years$2,002$1,312$835$519$317$88
38 years$1,928$1,247$782$478$287$76
39 years$1,858$1,186$733$441$260$66
40 years$1,791$1,128$687$407$236$58
41 years$1,728$1,074$644$375$214$50
42 years$1,668$1,023$604$346$194$43
43 years$1,611$975$567$320$176$38
44 years$1,556$929$532$295$160$33
45 years$1,505$886$500$273$145$29
46 years$1,455$845$469$252$132$25
47 years$1,408$806$441$233$120$22
48 years$1,363$770$414$215$109$19
49 years$1,320$735$389$199$99$16
50 years$1,279$702$366$184$90$14

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 $2,607 every year, while hoping to spend $50,893 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: 70/15/15 Blend
34$1,310,000$1,310,000$1,310,000$1,310,000
35$1,446,309$1,376,879$1,356,574$1,542,412
36$1,539,683$1,390,196$1,347,870$1,619,949
37$1,640,875$1,402,461$1,337,168$1,698,422
38$1,750,629$1,413,566$1,324,348$1,782,994
39$1,869,764$1,423,401$1,309,284$1,874,258
40$1,999,178$1,431,846$1,291,843$1,972,870
41$2,139,861$1,438,774$1,271,887$2,079,552
42$2,292,902$1,444,049$1,249,270$2,195,098
43$2,459,499$1,447,528$1,223,842$2,320,389
44$2,640,970$1,449,058$1,195,442$2,456,390
45$2,838,764$1,448,478$1,163,905$2,604,172
46$3,054,478$1,445,613$1,129,056$2,764,910
47$3,289,870$1,440,283$1,090,714$2,939,903
48$3,546,872$1,432,292$1,048,688$3,130,583
49$3,827,613$1,421,435$1,002,780$3,338,528
50$4,134,437$1,407,493$952,781$3,565,482
51$4,469,925$1,390,235$898,473$3,813,363
52$4,836,915$1,369,415$839,631$4,084,289
53$5,238,538$1,344,773$776,015$4,380,596
54$5,678,235$1,316,034$707,379$4,704,858
55$6,159,802$1,282,906$633,462$5,059,916
56$6,687,413$1,245,080$553,994$5,448,901
57$7,265,668$1,202,228$468,692$5,875,267
58$7,899,634$1,154,005$377,262$6,342,820
59$8,594,890$1,100,045$279,393$6,855,761
60$9,357,581$1,039,959$174,765$7,418,718
61$10,194,476$973,339$63,041$8,036,797
62$11,113,031$899,750$0$8,715,626
63$12,121,457$818,735$0$9,470,407
64$13,228,803$729,810$0$10,310,340
65$14,445,033$632,463$0$11,232,932
66$15,781,125$526,153$0$12,246,567
67$17,249,174$410,308$0$13,360,484
68$18,862,502$284,326$0$14,584,864
69$20,635,789$147,569$0$15,930,931
70$22,585,204$0$0$17,411,051
71$24,728,563$0$0$19,038,961
72$27,085,494$0$0$20,855,943
73$29,677,622$0$0$22,854,321
74$32,528,774$0$0$25,052,471
75$35,665,201$0$0$27,470,643
76$39,115,826$0$0$30,131,148
77$42,912,516$0$0$33,058,567
78$47,090,386$0$0$36,279,985
79$51,688,124$0$0$39,825,245
80$56,748,358$0$0$43,727,230
81$62,318,059$0$0$48,022,172
82$68,448,983$0$0$52,749,992
83$75,198,158$0$0$57,954,681
84$82,628,420$0$0$63,684,711
85$90,809,011$0$0$69,993,491
86$99,816,226$0$0$76,939,874
87$109,734,135$0$0$84,588,711
88$120,655,375$0$0$93,011,459
89$132,682,025$0$0$102,286,860
90$145,926,566$0$0$112,501,682
91$160,512,947$0$0$123,751,535
92$176,577,748$0$0$136,141,775
93$194,271,471$0$0$149,788,499
94$213,759,962$0$0$164,819,637
95$235,225,972$0$0$181,376,161
96$258,870,884$0$0$199,613,416
97$284,916,611$0$0$219,702,582
98$313,607,690$0$0$241,832,295
99$345,213,591$0$0$266,210,420
100$380,031,258$0$0$293,066,017