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

Use the below retirement simulation to view the chances of a successful retirement.
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%18.4%
1 years$109,830$108,852$107,897$106,966$106,056$102,456
2 years$54,371$53,359$52,377$51,426$50,503$46,912
3 years$35,888$34,871$33,892$32,949$32,041$28,572
4 years$26,647$25,634$24,664$23,738$22,852$19,532
5 years$21,105$20,097$19,141$18,233$17,372$14,209
6 years$17,411$16,411$15,468$14,581$13,746$10,742
7 years$14,773$13,782$12,854$11,988$11,179$8,335
8 years$12,796$11,813$10,902$10,056$9,274$6,587
9 years$11,259$10,286$9,389$8,566$7,810$5,277
10 years$10,030$9,066$8,186$7,384$6,655$4,271
11 years$9,026$8,071$7,207$6,426$5,723$3,485
12 years$8,189$7,244$6,396$5,637$4,960$2,861
13 years$7,481$6,547$5,714$4,976$4,325$2,361
14 years$6,876$5,951$5,134$4,417$3,791$1,956
15 years$6,351$5,436$4,636$3,939$3,338$1,626
16 years$5,892$4,988$4,203$3,527$2,950$1,355
17 years$5,488$4,593$3,824$3,169$2,616$1,132
18 years$5,129$4,244$3,491$2,856$2,326$947
19 years$4,809$3,934$3,196$2,581$2,073$794
20 years$4,520$3,655$2,933$2,337$1,852$666
21 years$4,260$3,405$2,698$2,121$1,657$559
22 years$4,023$3,178$2,487$1,929$1,485$470
23 years$3,808$2,973$2,296$1,757$1,333$396
24 years$3,610$2,785$2,123$1,602$1,198$333
25 years$3,429$2,614$1,967$1,463$1,078$281
26 years$3,262$2,457$1,824$1,338$971$236
27 years$3,107$2,312$1,694$1,225$876$199
28 years$2,964$2,178$1,574$1,122$790$168
29 years$2,831$2,055$1,465$1,029$714$142
30 years$2,707$1,941$1,365$944$645$120
31 years$2,592$1,835$1,272$867$583$101
32 years$2,483$1,736$1,187$797$527$85
33 years$2,382$1,644$1,108$733$477$72
34 years$2,287$1,558$1,036$674$432$61
35 years$2,197$1,478$968$621$391$51
36 years$2,112$1,403$906$572$355$43
37 years$2,033$1,332$848$527$321$36
38 years$1,957$1,266$794$486$291$31
39 years$1,886$1,204$744$448$264$26
40 years$1,818$1,146$697$413$240$22
41 years$1,754$1,090$654$381$217$19
42 years$1,693$1,038$613$352$197$16
43 years$1,635$989$575$325$179$13
44 years$1,580$943$540$300$163$11
45 years$1,528$899$507$277$148$9
46 years$1,478$858$476$256$134$8
47 years$1,430$819$448$236$122$7
48 years$1,384$782$421$218$110$6
49 years$1,340$746$395$202$100$5
50 years$1,299$713$372$186$91$4

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 $6,340 every year, while hoping to spend $51,245 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: 28/47/25 Blend
34$1,330,000$1,330,000$1,330,000$1,330,000
35$1,472,200$1,401,710$1,381,095$1,501,795
36$1,567,840$1,415,869$1,372,837$1,539,815
37$1,671,518$1,429,005$1,362,585$1,575,736
38$1,783,999$1,441,013$1,350,219$1,613,275
39$1,906,126$1,451,782$1,335,610$1,652,603
40$2,038,825$1,461,193$1,318,627$1,693,914
41$2,183,115$1,469,121$1,299,131$1,737,424
42$2,340,117$1,475,433$1,276,976$1,783,376
43$2,511,064$1,479,984$1,252,010$1,832,041
44$2,697,314$1,482,625$1,224,074$1,883,722
45$2,900,361$1,483,194$1,193,001$1,938,758
46$3,121,847$1,481,520$1,158,616$1,997,527
47$3,363,584$1,477,422$1,120,737$2,060,450
48$3,627,561$1,470,708$1,079,174$2,127,999
49$3,915,972$1,461,173$1,033,726$2,200,697
50$4,231,231$1,448,600$984,186$2,279,128
51$4,575,995$1,432,759$930,334$2,363,944
52$4,953,190$1,413,408$871,944$2,455,868
53$5,366,038$1,390,287$808,776$2,555,705
54$5,818,086$1,363,124$740,583$2,664,351
55$6,313,241$1,331,628$667,103$2,782,803
56$6,855,807$1,295,492$588,066$2,912,165
57$7,450,520$1,254,393$503,187$3,053,668
58$8,102,600$1,207,985$412,171$3,208,674
59$8,817,795$1,155,905$314,708$3,378,699
60$9,602,433$1,097,768$210,474$3,565,423
61$10,463,490$1,033,167$99,134$3,770,710
62$11,408,645$961,671$0$3,996,626
63$12,446,359$882,826$0$4,250,715
64$13,585,952$796,148$0$4,558,826
65$14,837,691$701,131$0$4,897,404
66$16,212,885$597,236$0$5,269,673
67$17,723,993$483,895$0$5,679,196
68$19,384,743$360,508$0$6,129,912
69$21,210,256$226,442$0$6,626,174
70$23,217,191$81,027$0$7,172,792
71$25,423,904$0$0$7,775,079
72$27,850,616$0$0$8,478,443
73$30,519,607$0$0$9,298,360
74$33,455,425$0$0$10,200,495
75$36,685,114$0$0$11,193,189
76$40,238,475$0$0$12,285,633
77$44,148,340$0$0$13,487,955
78$48,450,886$0$0$14,811,313
79$53,185,974$0$0$16,268,003
80$58,397,523$0$0$17,871,572
81$64,133,927$0$0$19,636,949
82$70,448,509$0$0$21,580,581
83$77,400,027$0$0$23,720,596
84$85,053,220$0$0$26,076,964
85$93,479,429$0$0$28,671,692
86$102,757,261$0$0$31,529,032
87$112,973,334$0$0$34,675,704
88$124,223,093$0$0$38,141,154
89$136,611,712$0$0$41,957,829
90$150,255,083$0$0$46,161,483
91$165,280,910$0$0$50,791,514
92$181,829,916$0$0$55,891,337
93$200,057,166$0$0$61,508,793
94$220,133,535$0$0$67,696,600
95$242,247,316$0$0$74,512,853
96$266,605,997$0$0$82,021,566
97$293,438,221$0$0$90,293,282
98$322,995,943$0$0$99,405,737
99$355,556,803$0$0$109,444,592
100$391,426,752$0$0$120,504,244