Can I retire at age 35 with 1,350,000?

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 $1,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$111,482$110,489$109,520$108,574$107,651$104,288
2 years$55,189$54,161$53,165$52,199$51,262$47,905
3 years$36,427$35,395$34,401$33,445$32,523$29,275
4 years$27,048$26,019$25,035$24,095$23,196$20,083
5 years$21,422$20,399$19,428$18,507$17,633$14,664
6 years$17,673$16,657$15,701$14,800$13,952$11,129
7 years$14,996$13,989$13,048$12,168$11,347$8,669
8 years$12,989$11,991$11,065$10,208$9,413$6,880
9 years$11,429$10,440$9,531$8,695$7,927$5,535
10 years$10,181$9,203$8,309$7,495$6,755$4,500
11 years$9,161$8,193$7,315$6,523$5,809$3,688
12 years$8,312$7,353$6,492$5,721$5,034$3,042
13 years$7,594$6,645$5,800$5,051$4,390$2,522
14 years$6,979$6,040$5,211$4,484$3,848$2,100
15 years$6,446$5,518$4,705$3,999$3,388$1,754
16 years$5,981$5,063$4,266$3,580$2,994$1,469
17 years$5,571$4,662$3,882$3,217$2,655$1,233
18 years$5,206$4,308$3,544$2,899$2,361$1,037
19 years$4,881$3,993$3,244$2,620$2,104$874
20 years$4,588$3,710$2,977$2,373$1,880$737
21 years$4,324$3,456$2,738$2,153$1,682$623
22 years$4,084$3,226$2,524$1,958$1,508$526
23 years$3,865$3,017$2,330$1,783$1,353$445
24 years$3,665$2,827$2,155$1,626$1,216$377
25 years$3,481$2,653$1,996$1,485$1,095$319
26 years$3,311$2,493$1,851$1,358$986$271
27 years$3,154$2,347$1,719$1,243$889$229
28 years$3,009$2,211$1,598$1,139$802$195
29 years$2,874$2,086$1,487$1,044$724$165
30 years$2,748$1,970$1,385$958$654$140
31 years$2,631$1,862$1,291$880$592$119
32 years$2,521$1,762$1,205$809$535$101
33 years$2,418$1,669$1,125$744$484$86
34 years$2,321$1,582$1,051$684$439$73
35 years$2,230$1,500$983$630$397$62
36 years$2,144$1,424$919$580$360$52
37 years$2,063$1,352$861$535$326$45
38 years$1,987$1,285$806$493$296$38
39 years$1,914$1,222$755$454$268$32
40 years$1,846$1,163$708$419$243$27
41 years$1,781$1,107$664$387$221$23
42 years$1,719$1,054$622$357$200$20
43 years$1,660$1,004$584$329$182$17
44 years$1,604$957$548$304$165$14
45 years$1,551$913$515$281$150$12
46 years$1,500$871$484$259$136$10
47 years$1,451$831$454$240$123$9
48 years$1,405$793$427$222$112$7
49 years$1,361$758$401$205$102$6
50 years$1,318$724$377$189$92$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,350,000, adding $5,656 every year, while hoping to spend $58,208 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: 69/15/16 Blend
34$1,350,000$1,350,000$1,350,000$1,350,000
35$1,493,534$1,421,984$1,401,059$1,590,597
36$1,583,942$1,429,729$1,386,062$1,663,711
37$1,681,620$1,435,901$1,368,611$1,736,231
38$1,787,249$1,440,365$1,348,563$1,814,104
39$1,901,577$1,442,971$1,325,769$1,897,849
40$2,025,425$1,443,563$1,300,069$1,988,042
41$2,159,697$1,441,976$1,271,300$2,085,316
42$2,305,386$1,438,034$1,239,289$2,190,371
43$2,463,586$1,431,548$1,203,855$2,303,979
44$2,635,498$1,422,320$1,164,811$2,426,991
45$2,822,446$1,410,140$1,121,959$2,560,347
46$3,025,882$1,394,784$1,075,092$2,705,084
47$3,247,409$1,376,016$1,023,994$2,862,347
48$3,488,788$1,353,584$968,441$3,033,399
49$3,751,957$1,327,222$908,196$3,219,632
50$4,039,049$1,296,648$843,014$3,422,585
51$4,352,414$1,261,565$772,636$3,643,953
52$4,694,635$1,221,657$696,794$3,885,608
53$5,068,558$1,176,589$615,207$4,149,615
54$5,477,316$1,126,006$527,581$4,438,253
55$5,924,358$1,069,536$433,611$4,754,033
56$6,413,481$1,006,783$332,976$5,099,730
57$6,948,867$937,326$225,342$5,478,401
58$7,535,121$860,725$110,360$5,893,421
59$8,177,314$776,510$0$6,348,512
60$8,881,028$684,188$0$6,849,887
61$9,652,415$583,235$0$7,420,211
62$10,498,247$473,099$0$8,045,687
63$11,425,984$353,197$0$8,731,894
64$12,443,843$222,913$0$9,484,983
65$13,560,875$81,595$0$10,311,733
66$14,787,049$0$0$11,219,616
67$16,133,346$0$0$12,228,659
68$17,611,863$0$0$13,351,671
69$19,235,925$0$0$14,585,314
70$21,020,212$0$0$15,940,750
71$22,980,897$0$0$17,430,274
72$25,135,796$0$0$19,067,431
73$27,504,535$0$0$20,867,146
74$30,108,740$0$0$22,845,859
75$32,972,235$0$0$25,021,684
76$36,121,266$0$0$27,414,577
77$39,584,754$0$0$30,046,528
78$43,394,559$0$0$32,941,760
79$47,585,788$0$0$36,126,967
80$52,197,119$0$0$39,631,557
81$57,271,170$0$0$43,487,934
82$62,854,897$0$0$47,731,800
83$69,000,039$0$0$52,402,497
84$75,763,605$0$0$57,543,369
85$83,208,410$0$0$63,202,178
86$91,403,667$0$0$69,431,552
87$100,425,644$0$0$76,289,478
88$110,358,373$0$0$83,839,854
89$121,294,455$0$0$92,153,086
90$133,335,923$0$0$101,306,758
91$146,595,207$0$0$111,386,358
92$161,196,197$0$0$122,486,085
93$177,275,409$0$0$134,709,741
94$194,983,272$0$0$148,171,708
95$214,485,550$0$0$162,998,025
96$235,964,900$0$0$179,327,580
97$259,622,601$0$0$197,313,417
98$285,680,450$0$0$217,124,184
99$314,382,855$0$0$238,945,721
100$345,999,139$0$0$262,982,812