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%15.2%
1 years$108,179$107,215$106,275$105,357$104,461$102,227
2 years$53,554$52,556$51,590$50,653$49,743$47,503
3 years$35,348$34,346$33,382$32,454$31,559$29,383
4 years$26,247$25,248$24,294$23,381$22,508$20,413
5 years$20,787$19,795$18,853$17,959$17,110$15,102
6 years$17,149$16,164$15,236$14,362$13,539$11,619
7 years$14,551$13,574$12,661$11,808$11,011$9,180
8 years$12,604$11,636$10,738$9,905$9,135$7,393
9 years$11,090$10,131$9,248$8,437$7,693$6,038
10 years$9,880$8,930$8,063$7,273$6,554$4,986
11 years$8,890$7,950$7,098$6,329$5,637$4,152
12 years$8,066$7,135$6,300$5,552$4,885$3,482
13 years$7,369$6,448$5,628$4,901$4,260$2,935
14 years$6,772$5,861$5,057$4,351$3,734$2,486
15 years$6,255$5,354$4,566$3,880$3,288$2,114
16 years$5,804$4,913$4,140$3,474$2,906$1,802
17 years$5,406$4,524$3,767$3,122$2,576$1,541
18 years$5,052$4,181$3,439$2,813$2,291$1,320
19 years$4,736$3,875$3,148$2,542$2,042$1,133
20 years$4,452$3,600$2,889$2,302$1,824$974
21 years$4,196$3,354$2,657$2,089$1,632$839
22 years$3,963$3,131$2,449$1,900$1,463$723
23 years$3,750$2,928$2,261$1,730$1,313$624
24 years$3,556$2,743$2,091$1,578$1,180$539
25 years$3,377$2,574$1,937$1,441$1,062$465
26 years$3,213$2,420$1,797$1,318$957$402
27 years$3,061$2,277$1,668$1,206$863$348
28 years$2,920$2,146$1,551$1,105$778$301
29 years$2,789$2,024$1,443$1,013$703$261
30 years$2,667$1,912$1,344$930$635$226
31 years$2,553$1,807$1,253$854$574$196
32 years$2,446$1,710$1,169$785$519$170
33 years$2,346$1,619$1,092$722$470$147
34 years$2,252$1,535$1,020$664$426$128
35 years$2,164$1,456$954$611$385$111
36 years$2,081$1,382$892$563$349$96
37 years$2,002$1,312$835$519$317$83
38 years$1,928$1,247$782$478$287$72
39 years$1,858$1,186$733$441$260$63
40 years$1,791$1,128$687$407$236$54
41 years$1,728$1,074$644$375$214$47
42 years$1,668$1,023$604$346$194$41
43 years$1,611$975$567$320$176$35
44 years$1,556$929$532$295$160$31
45 years$1,505$886$500$273$145$27
46 years$1,455$845$469$252$132$23
47 years$1,408$806$441$233$120$20
48 years$1,363$770$414$215$109$17
49 years$1,320$735$389$199$99$15
50 years$1,279$702$366$184$90$13

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 $2,030 every year, while hoping to spend $27,712 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: 66/18/16 Blend
34$1,310,000$1,310,000$1,310,000$1,310,000
35$1,445,714$1,376,284$1,355,979$1,535,421
36$1,563,691$1,414,237$1,371,919$1,633,604
37$1,692,774$1,453,120$1,387,464$1,737,476
38$1,834,065$1,492,951$1,402,572$1,850,337
39$1,988,779$1,533,745$1,417,198$1,973,065
40$2,158,254$1,575,519$1,431,294$2,106,630
41$2,343,965$1,618,288$1,444,811$2,252,098
42$2,547,534$1,662,068$1,457,696$2,410,643
43$2,770,748$1,706,875$1,469,895$2,583,560
44$3,015,575$1,752,723$1,481,348$2,772,273
45$3,284,185$1,799,628$1,491,994$2,978,352
46$3,578,965$1,847,603$1,501,769$3,203,527
47$3,902,546$1,896,662$1,510,605$3,449,702
48$4,257,827$1,946,819$1,518,431$3,718,975
49$4,647,998$1,998,086$1,525,171$4,013,659
50$5,076,576$2,050,475$1,530,747$4,336,300
51$5,547,436$2,103,997$1,535,076$4,689,705
52$6,064,845$2,158,663$1,538,071$5,076,964
53$6,633,503$2,214,482$1,539,641$5,501,484
54$7,258,591$2,271,462$1,539,690$5,967,019
55$7,945,816$2,329,612$1,538,117$6,477,703
56$8,701,462$2,388,936$1,534,818$7,038,092
57$9,532,458$2,449,440$1,529,680$7,653,208
58$10,446,433$2,511,128$1,522,590$8,328,581
59$11,451,797$2,574,001$1,513,424$9,070,308
60$12,557,812$2,638,059$1,502,055$9,885,105
61$13,774,686$2,703,300$1,488,351$10,780,373
62$15,113,664$2,769,722$1,472,171$11,764,269
63$16,587,138$2,837,318$1,453,369$12,845,780
64$18,208,760$2,906,081$1,431,790$14,034,809
65$19,993,574$2,976,000$1,407,276$15,342,269
66$21,958,156$3,047,061$1,379,657$16,780,185
67$24,120,770$3,119,250$1,348,759$18,361,811
68$26,501,542$3,192,547$1,314,395$20,101,750
69$29,122,647$3,266,929$1,276,375$22,016,094
70$32,008,520$3,342,372$1,234,497$24,122,578
71$35,186,086$3,418,845$1,188,549$26,440,744
72$38,685,014$3,496,315$1,138,313$28,992,129
73$42,537,996$3,574,745$1,083,556$31,800,466
74$46,781,055$3,654,091$1,024,040$34,891,907
75$51,453,889$3,734,308$959,511$38,295,274
76$56,600,239$3,815,342$889,707$42,042,329
77$62,268,304$3,897,135$814,354$46,168,072
78$68,511,200$3,979,623$733,164$50,711,075
79$75,387,455$4,062,737$645,837$55,713,844
80$82,961,563$4,146,398$552,060$61,223,221
81$91,304,594$4,230,524$451,506$67,290,828
82$100,494,865$4,315,022$343,833$73,973,552
83$110,618,675$4,399,792$228,686$81,334,082
84$121,771,124$4,484,726$105,691$89,441,505
85$134,057,007$4,569,705$0$98,371,954
86$147,591,804$4,654,604$0$108,213,695
87$162,502,772$4,739,284$0$119,074,363
88$178,930,142$4,823,595$0$131,037,858
89$197,028,444$4,907,379$0$144,216,545
90$216,967,967$4,990,463$0$158,734,243
91$238,936,364$5,072,660$0$174,727,402
92$263,140,424$5,153,771$0$192,346,386
93$289,808,023$5,233,581$0$211,756,892
94$319,190,277$5,311,862$0$233,141,517
95$351,563,908$5,388,366$0$256,701,482
96$387,233,861$5,462,830$0$282,658,526
97$426,536,178$5,534,972$0$311,257,008
98$469,841,171$5,604,489$0$342,766,206
99$517,556,920$5,671,059$0$377,482,861
100$570,133,122$5,734,337$0$415,733,983