Can I retire at age 35 with 1,330,000?

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 $1,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$109,830$108,852$107,897$106,966$106,056$103,325
2 years$54,371$53,359$52,377$51,426$50,503$47,769
3 years$35,888$34,871$33,892$32,949$32,041$29,391
4 years$26,647$25,634$24,664$23,738$22,852$20,305
5 years$21,105$20,097$19,141$18,233$17,372$14,935
6 years$17,411$16,411$15,468$14,581$13,746$11,423
7 years$14,773$13,782$12,854$11,988$11,179$8,969
8 years$12,796$11,813$10,902$10,056$9,274$7,176
9 years$11,259$10,286$9,389$8,566$7,810$5,823
10 years$10,030$9,066$8,186$7,384$6,655$4,775
11 years$9,026$8,071$7,207$6,426$5,723$3,949
12 years$8,189$7,244$6,396$5,637$4,960$3,288
13 years$7,481$6,547$5,714$4,976$4,325$2,752
14 years$6,876$5,951$5,134$4,417$3,791$2,313
15 years$6,351$5,436$4,636$3,939$3,338$1,951
16 years$5,892$4,988$4,203$3,527$2,950$1,651
17 years$5,488$4,593$3,824$3,169$2,616$1,400
18 years$5,129$4,244$3,491$2,856$2,326$1,190
19 years$4,809$3,934$3,196$2,581$2,073$1,013
20 years$4,520$3,655$2,933$2,337$1,852$864
21 years$4,260$3,405$2,698$2,121$1,657$738
22 years$4,023$3,178$2,487$1,929$1,485$630
23 years$3,808$2,973$2,296$1,757$1,333$539
24 years$3,610$2,785$2,123$1,602$1,198$462
25 years$3,429$2,614$1,967$1,463$1,078$395
26 years$3,262$2,457$1,824$1,338$971$339
27 years$3,107$2,312$1,694$1,225$876$291
28 years$2,964$2,178$1,574$1,122$790$249
29 years$2,831$2,055$1,465$1,029$714$214
30 years$2,707$1,941$1,365$944$645$184
31 years$2,592$1,835$1,272$867$583$158
32 years$2,483$1,736$1,187$797$527$135
33 years$2,382$1,644$1,108$733$477$116
34 years$2,287$1,558$1,036$674$432$100
35 years$2,197$1,478$968$621$391$86
36 years$2,112$1,403$906$572$355$74
37 years$2,033$1,332$848$527$321$63
38 years$1,957$1,266$794$486$291$54
39 years$1,886$1,204$744$448$264$47
40 years$1,818$1,146$697$413$240$40
41 years$1,754$1,090$654$381$217$35
42 years$1,693$1,038$613$352$197$30
43 years$1,635$989$575$325$179$26
44 years$1,580$943$540$300$163$22
45 years$1,528$899$507$277$148$19
46 years$1,478$858$476$256$134$16
47 years$1,430$819$448$236$122$14
48 years$1,384$782$421$218$110$12
49 years$1,340$746$395$202$100$10
50 years$1,299$713$372$186$91$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,330,000, adding $2,282 every year, while hoping to spend $54,590 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: 35/47/18 Blend
34$1,330,000$1,330,000$1,330,000$1,330,000
35$1,468,014$1,397,524$1,376,909$1,511,228
36$1,559,668$1,407,919$1,364,952$1,553,394
37$1,658,841$1,416,994$1,350,765$1,593,598
38$1,766,243$1,424,627$1,334,215$1,635,830
39$1,882,653$1,430,687$1,315,165$1,680,299
40$2,008,928$1,435,035$1,293,468$1,727,241
41$2,146,013$1,437,526$1,268,973$1,776,920
42$2,294,943$1,438,002$1,241,520$1,829,628
43$2,456,861$1,436,297$1,210,945$1,885,694
44$2,633,021$1,432,236$1,177,072$1,945,483
45$2,824,804$1,425,631$1,139,719$2,009,400
46$3,033,731$1,416,283$1,098,696$2,077,900
47$3,261,473$1,403,983$1,053,804$2,151,486
48$3,509,871$1,388,506$1,004,835$2,230,719
49$3,780,952$1,369,617$951,570$2,316,225
50$4,076,944$1,347,063$893,783$2,408,697
51$4,400,304$1,320,580$831,236$2,508,907
52$4,753,732$1,289,887$763,680$2,617,713
53$5,140,205$1,254,683$690,856$2,736,067
54$5,562,999$1,214,655$612,492$2,865,026
55$6,025,720$1,169,469$528,305$3,005,765
56$6,532,340$1,118,770$438,001$3,159,586
57$7,087,234$1,062,184$341,268$3,327,935
58$7,695,217$999,317$237,786$3,512,416
59$8,361,595$929,749$127,218$3,714,804
60$9,092,210$853,039$9,212$3,937,071
61$9,893,495$768,718$0$4,181,399
62$10,772,540$676,293$0$4,472,625
63$11,737,148$575,241$0$4,794,356
64$12,795,920$465,010$0$5,147,865
65$13,958,327$345,019$0$5,536,517
66$15,234,801$214,650$0$5,964,032
67$16,636,837$73,254$0$6,434,522
68$18,177,095$0$0$6,952,531
69$19,869,524$0$0$7,564,383
70$21,729,488$0$0$8,278,643
71$23,773,917$0$0$9,063,953
72$26,021,461$0$0$9,927,503
73$28,492,666$0$0$10,877,214
74$31,210,170$0$0$11,921,815
75$34,198,914$0$0$13,070,921
76$37,486,377$0$0$14,335,128
77$41,102,834$0$0$15,726,110
78$45,081,646$0$0$17,256,729
79$49,459,565$0$0$18,941,157
80$54,277,089$0$0$20,795,011
81$59,578,839$0$0$22,835,497
82$65,413,981$0$0$25,081,573
83$71,836,687$0$0$27,554,130
84$78,906,649$0$0$30,276,186
85$86,689,640$0$0$33,273,105
86$95,258,132$0$0$36,572,835
87$104,691,985$0$0$40,206,173
88$115,079,193$0$0$44,207,054
89$126,516,718$0$0$48,612,869
90$139,111,403$0$0$53,464,823
91$152,980,980$0$0$58,808,320
92$168,255,181$0$0$64,693,391
93$185,076,960$0$0$71,175,168
94$203,603,842$0$0$78,314,403
95$224,009,411$0$0$86,178,039
96$246,484,944$0$0$94,839,847
97$271,241,219$0$0$104,381,116
98$298,510,500$0$0$114,891,424
99$328,548,732$0$0$126,469,482
100$361,637,954$0$0$139,224,064