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%19%
1 years$109,830$108,852$107,897$106,966$106,056$102,212
2 years$54,371$53,359$52,377$51,426$50,503$46,672
3 years$35,888$34,871$33,892$32,949$32,041$28,344
4 years$26,647$25,634$24,664$23,738$22,852$19,317
5 years$21,105$20,097$19,141$18,233$17,372$14,008
6 years$17,411$16,411$15,468$14,581$13,746$10,556
7 years$14,773$13,782$12,854$11,988$11,179$8,162
8 years$12,796$11,813$10,902$10,056$9,274$6,428
9 years$11,259$10,286$9,389$8,566$7,810$5,130
10 years$10,030$9,066$8,186$7,384$6,655$4,137
11 years$9,026$8,071$7,207$6,426$5,723$3,362
12 years$8,189$7,244$6,396$5,637$4,960$2,749
13 years$7,481$6,547$5,714$4,976$4,325$2,259
14 years$6,876$5,951$5,134$4,417$3,791$1,864
15 years$6,351$5,436$4,636$3,939$3,338$1,543
16 years$5,892$4,988$4,203$3,527$2,950$1,280
17 years$5,488$4,593$3,824$3,169$2,616$1,064
18 years$5,129$4,244$3,491$2,856$2,326$887
19 years$4,809$3,934$3,196$2,581$2,073$740
20 years$4,520$3,655$2,933$2,337$1,852$618
21 years$4,260$3,405$2,698$2,121$1,657$517
22 years$4,023$3,178$2,487$1,929$1,485$432
23 years$3,808$2,973$2,296$1,757$1,333$362
24 years$3,610$2,785$2,123$1,602$1,198$303
25 years$3,429$2,614$1,967$1,463$1,078$254
26 years$3,262$2,457$1,824$1,338$971$213
27 years$3,107$2,312$1,694$1,225$876$179
28 years$2,964$2,178$1,574$1,122$790$150
29 years$2,831$2,055$1,465$1,029$714$126
30 years$2,707$1,941$1,365$944$645$106
31 years$2,592$1,835$1,272$867$583$89
32 years$2,483$1,736$1,187$797$527$75
33 years$2,382$1,644$1,108$733$477$63
34 years$2,287$1,558$1,036$674$432$53
35 years$2,197$1,478$968$621$391$44
36 years$2,112$1,403$906$572$355$37
37 years$2,033$1,332$848$527$321$31
38 years$1,957$1,266$794$486$291$26
39 years$1,886$1,204$744$448$264$22
40 years$1,818$1,146$697$413$240$18
41 years$1,754$1,090$654$381$217$16
42 years$1,693$1,038$613$352$197$13
43 years$1,635$989$575$325$179$11
44 years$1,580$943$540$300$163$9
45 years$1,528$899$507$277$148$8
46 years$1,478$858$476$256$134$7
47 years$1,430$819$448$236$122$5
48 years$1,384$782$421$218$110$5
49 years$1,340$746$395$202$100$4
50 years$1,299$713$372$186$91$3

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 $2,480 every year, while hoping to spend $31,750 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: 47/28/25 Blend
34$1,330,000$1,330,000$1,330,000$1,330,000
35$1,468,218$1,397,728$1,377,113$1,526,622
36$1,584,195$1,432,435$1,389,465$1,602,621
37$1,710,937$1,467,778$1,401,166$1,681,745
38$1,849,509$1,503,756$1,412,161$1,767,002
39$2,001,083$1,540,364$1,422,393$1,858,984
40$2,166,950$1,577,599$1,431,800$1,958,342
41$2,348,530$1,615,453$1,440,317$2,065,793
42$2,547,389$1,653,919$1,447,876$2,182,129
43$2,765,250$1,692,988$1,454,407$2,308,220
44$3,004,011$1,732,650$1,459,835$2,445,028
45$3,265,761$1,772,891$1,464,081$2,593,612
46$3,552,804$1,813,697$1,467,062$2,755,137
47$3,867,673$1,855,052$1,468,693$2,930,890
48$4,213,163$1,896,936$1,468,881$3,122,288
49$4,592,348$1,939,329$1,467,531$3,330,895
50$5,008,618$1,982,207$1,464,544$3,558,431
51$5,465,705$2,025,542$1,459,813$3,806,796
52$5,967,720$2,069,307$1,453,230$4,078,082
53$6,519,193$2,113,469$1,444,679$4,374,596
54$7,125,113$2,157,991$1,434,038$4,698,880
55$7,790,977$2,202,835$1,421,181$5,053,738
56$8,522,841$2,247,959$1,405,975$5,442,259
57$9,327,377$2,293,315$1,388,281$5,867,849
58$10,211,934$2,338,852$1,367,953$6,334,262
59$11,184,611$2,384,515$1,344,839$6,845,638
60$12,254,329$2,430,244$1,318,779$7,406,538
61$13,430,918$2,475,974$1,289,606$8,021,992
62$14,725,209$2,521,634$1,257,145$8,697,543
63$16,149,134$2,567,148$1,221,214$9,439,302
64$17,715,841$2,612,433$1,181,620$10,254,006
65$19,439,817$2,657,402$1,138,163$11,149,079
66$21,337,022$2,701,959$1,090,636$12,132,708
67$23,425,043$2,746,000$1,038,817$13,213,914
68$25,723,260$2,789,416$982,480$14,402,644
69$28,253,024$2,832,089$921,385$15,709,859
70$31,037,863$2,873,892$855,281$17,147,645
71$34,103,701$2,914,689$783,909$18,729,321
72$37,479,103$2,954,333$706,995$20,469,569
73$41,195,547$2,992,671$624,254$22,384,574
74$45,287,715$3,029,534$535,389$24,492,173
75$49,793,827$3,064,746$440,090$26,812,030
76$54,755,995$3,098,116$338,030$29,365,817
77$60,220,625$3,129,442$228,873$32,177,423
78$66,238,852$3,158,508$112,263$35,273,177
79$72,867,023$3,185,083$0$38,682,103
80$80,167,230$3,208,923$0$42,439,436
81$88,207,892$3,229,765$0$46,609,354
82$97,064,406$3,247,333$0$51,200,847
83$106,819,853$3,261,329$0$56,256,860
84$117,565,783$3,271,440$0$61,824,716
85$129,403,084$3,277,331$0$67,956,569
86$142,442,925$3,278,646$0$74,709,895
87$156,807,812$3,275,009$0$82,148,031
88$172,632,743$3,266,019$0$90,340,781
89$190,066,479$3,251,250$0$99,365,066
90$209,272,949$3,230,251$0$109,305,661
91$230,432,800$3,202,543$0$120,255,986
92$253,745,097$3,167,618$0$132,318,995
93$279,429,204$3,124,940$0$145,608,148
94$307,726,858$3,073,936$0$160,248,480
95$338,904,441$3,014,003$0$176,377,783
96$373,255,506$2,944,501$0$194,147,911
97$411,103,538$2,864,752$0$213,726,208
98$452,805,013$2,774,039$0$235,297,096
99$498,752,758$2,671,601$0$259,063,812
100$549,379,665$2,556,635$0$285,250,331