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%20%
1 years$109,830$108,852$107,897$106,966$106,056$101,808
2 years$54,371$53,359$52,377$51,426$50,503$46,276
3 years$35,888$34,871$33,892$32,949$32,041$27,969
4 years$26,647$25,634$24,664$23,738$22,852$18,966
5 years$21,105$20,097$19,141$18,233$17,372$13,681
6 years$17,411$16,411$15,468$14,581$13,746$10,253
7 years$14,773$13,782$12,854$11,988$11,179$7,882
8 years$12,796$11,813$10,902$10,056$9,274$6,171
9 years$11,259$10,286$9,389$8,566$7,810$4,895
10 years$10,030$9,066$8,186$7,384$6,655$3,922
11 years$9,026$8,071$7,207$6,426$5,723$3,167
12 years$8,189$7,244$6,396$5,637$4,960$2,572
13 years$7,481$6,547$5,714$4,976$4,325$2,099
14 years$6,876$5,951$5,134$4,417$3,791$1,720
15 years$6,351$5,436$4,636$3,939$3,338$1,413
16 years$5,892$4,988$4,203$3,527$2,950$1,164
17 years$5,488$4,593$3,824$3,169$2,616$961
18 years$5,129$4,244$3,491$2,856$2,326$795
19 years$4,809$3,934$3,196$2,581$2,073$658
20 years$4,520$3,655$2,933$2,337$1,852$545
21 years$4,260$3,405$2,698$2,121$1,657$452
22 years$4,023$3,178$2,487$1,929$1,485$376
23 years$3,808$2,973$2,296$1,757$1,333$312
24 years$3,610$2,785$2,123$1,602$1,198$259
25 years$3,429$2,614$1,967$1,463$1,078$216
26 years$3,262$2,457$1,824$1,338$971$179
27 years$3,107$2,312$1,694$1,225$876$149
28 years$2,964$2,178$1,574$1,122$790$124
29 years$2,831$2,055$1,465$1,029$714$103
30 years$2,707$1,941$1,365$944$645$86
31 years$2,592$1,835$1,272$867$583$72
32 years$2,483$1,736$1,187$797$527$60
33 years$2,382$1,644$1,108$733$477$50
34 years$2,287$1,558$1,036$674$432$41
35 years$2,197$1,478$968$621$391$35
36 years$2,112$1,403$906$572$355$29
37 years$2,033$1,332$848$527$321$24
38 years$1,957$1,266$794$486$291$20
39 years$1,886$1,204$744$448$264$17
40 years$1,818$1,146$697$413$240$14
41 years$1,754$1,090$654$381$217$12
42 years$1,693$1,038$613$352$197$10
43 years$1,635$989$575$325$179$8
44 years$1,580$943$540$300$163$7
45 years$1,528$899$507$277$148$6
46 years$1,478$858$476$256$134$5
47 years$1,430$819$448$236$122$4
48 years$1,384$782$421$218$110$3
49 years$1,340$746$395$202$100$3
50 years$1,299$713$372$186$91$2

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 $4,066 every year, while hoping to spend $20,249 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: 52/22/26 Blend
34$1,330,000$1,330,000$1,330,000$1,330,000
35$1,469,854$1,399,364$1,378,749$1,535,410
36$1,598,234$1,446,388$1,403,392$1,628,318
37$1,739,031$1,495,038$1,428,183$1,726,938
38$1,893,489$1,545,371$1,453,103$1,833,811
39$2,062,979$1,597,449$1,478,137$1,949,734
40$2,249,012$1,651,333$1,503,264$2,075,580
41$2,453,253$1,707,090$1,528,464$2,212,313
42$2,677,533$1,764,786$1,553,717$2,360,993
43$2,923,873$1,824,492$1,578,998$2,522,787
44$3,194,496$1,886,280$1,604,282$2,698,979
45$3,491,853$1,950,226$1,629,544$2,890,985
46$3,818,644$2,016,409$1,654,755$3,100,362
47$4,177,841$2,084,908$1,679,885$3,328,825
48$4,572,722$2,155,810$1,704,902$3,578,262
49$5,006,896$2,229,201$1,729,773$3,850,753
50$5,484,340$2,305,173$1,754,461$4,148,588
51$6,009,436$2,383,820$1,778,929$4,474,289
52$6,587,011$2,465,239$1,803,135$4,830,636
53$7,222,384$2,549,534$1,827,038$5,220,687
54$7,921,415$2,636,809$1,850,592$5,647,814
55$8,690,561$2,727,174$1,873,749$6,115,729
56$9,536,937$2,820,745$1,896,458$6,628,521
57$10,468,381$2,917,638$1,918,666$7,190,696
58$11,493,531$3,017,977$1,940,316$7,807,216
59$12,621,904$3,121,890$1,961,349$8,483,549
60$13,863,985$3,229,510$1,981,701$9,225,717
61$15,231,330$3,340,974$2,001,307$10,040,356
62$16,736,671$3,456,427$2,020,096$10,934,776
63$18,394,036$3,576,017$2,037,994$11,917,031
64$20,218,885$3,699,899$2,054,924$12,995,995
65$22,228,251$3,828,234$2,070,804$14,181,444
66$24,440,904$3,961,189$2,085,547$15,484,149
67$26,877,527$4,098,938$2,099,064$16,915,978
68$29,560,911$4,241,661$2,111,258$18,490,007
69$32,516,169$4,389,548$2,122,030$20,220,644
70$35,770,974$4,542,792$2,131,274$22,123,765
71$39,355,822$4,701,597$2,138,880$24,216,860
72$43,304,314$4,866,174$2,144,731$26,519,203
73$47,653,480$5,036,742$2,148,706$29,052,031
74$52,444,123$5,213,530$2,150,675$31,838,745
75$57,721,206$5,396,776$2,150,506$34,905,128
76$63,534,277$5,586,726$2,148,055$38,279,594
77$69,937,935$5,783,637$2,143,176$41,993,448
78$76,992,345$5,987,776$2,135,713$46,081,188
79$84,763,808$6,199,421$2,125,504$50,580,829
80$93,325,385$6,418,861$2,112,377$55,534,257
81$102,757,587$6,646,398$2,096,154$60,987,630
82$113,149,133$6,882,343$2,076,648$66,991,810
83$124,597,790$7,127,024$2,053,661$73,602,845
84$137,211,295$7,380,779$2,026,989$80,882,493
85$151,108,371$7,643,960$1,996,416$88,898,813
86$166,419,845$7,916,935$1,961,717$97,726,799
87$183,289,891$8,200,086$1,922,656$107,449,092
88$201,877,381$8,493,811$1,878,986$118,156,757
89$222,357,390$8,798,524$1,830,448$129,950,148
90$244,922,848$9,114,656$1,776,773$142,939,847
91$269,786,361$9,442,657$1,717,677$157,247,713
92$297,182,215$9,782,993$1,652,865$173,008,031
93$327,368,593$10,136,151$1,582,028$190,368,780
94$360,630,005$10,502,638$1,504,842$209,493,025
95$397,279,981$10,882,983$1,420,969$230,560,463
96$437,664,025$11,277,734$1,330,057$253,769,114
97$482,162,877$11,687,465$1,231,736$279,337,191
98$531,196,112$12,112,772$1,125,620$307,505,160
99$585,226,094$12,554,277$1,011,307$338,538,012
100$644,762,346$13,012,627$888,377$372,727,758