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%14.5%
1 years$111,482$110,489$109,520$108,574$107,651$105,650
2 years$55,189$54,161$53,165$52,199$51,262$49,254
3 years$36,427$35,395$34,401$33,445$32,523$30,570
4 years$27,048$26,019$25,035$24,095$23,196$21,313
5 years$21,422$20,399$19,428$18,507$17,633$15,826
6 years$17,673$16,657$15,701$14,800$13,952$12,222
7 years$14,996$13,989$13,048$12,168$11,347$9,695
8 years$12,989$11,991$11,065$10,208$9,413$7,839
9 years$11,429$10,440$9,531$8,695$7,927$6,430
10 years$10,181$9,203$8,309$7,495$6,755$5,332
11 years$9,161$8,193$7,315$6,523$5,809$4,460
12 years$8,312$7,353$6,492$5,721$5,034$3,757
13 years$7,594$6,645$5,800$5,051$4,390$3,182
14 years$6,979$6,040$5,211$4,484$3,848$2,708
15 years$6,446$5,518$4,705$3,999$3,388$2,313
16 years$5,981$5,063$4,266$3,580$2,994$1,982
17 years$5,571$4,662$3,882$3,217$2,655$1,703
18 years$5,206$4,308$3,544$2,899$2,361$1,467
19 years$4,881$3,993$3,244$2,620$2,104$1,266
20 years$4,588$3,710$2,977$2,373$1,880$1,094
21 years$4,324$3,456$2,738$2,153$1,682$947
22 years$4,084$3,226$2,524$1,958$1,508$821
23 years$3,865$3,017$2,330$1,783$1,353$712
24 years$3,665$2,827$2,155$1,626$1,216$618
25 years$3,481$2,653$1,996$1,485$1,095$537
26 years$3,311$2,493$1,851$1,358$986$467
27 years$3,154$2,347$1,719$1,243$889$406
28 years$3,009$2,211$1,598$1,139$802$354
29 years$2,874$2,086$1,487$1,044$724$308
30 years$2,748$1,970$1,385$958$654$268
31 years$2,631$1,862$1,291$880$592$234
32 years$2,521$1,762$1,205$809$535$204
33 years$2,418$1,669$1,125$744$484$178
34 years$2,321$1,582$1,051$684$439$155
35 years$2,230$1,500$983$630$397$135
36 years$2,144$1,424$919$580$360$118
37 years$2,063$1,352$861$535$326$103
38 years$1,987$1,285$806$493$296$90
39 years$1,914$1,222$755$454$268$78
40 years$1,846$1,163$708$419$243$68
41 years$1,781$1,107$664$387$221$60
42 years$1,719$1,054$622$357$200$52
43 years$1,660$1,004$584$329$182$45
44 years$1,604$957$548$304$165$40
45 years$1,551$913$515$281$150$35
46 years$1,500$871$484$259$136$30
47 years$1,451$831$454$240$123$26
48 years$1,405$793$427$222$112$23
49 years$1,361$758$401$205$102$20
50 years$1,318$724$377$189$92$18

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 $6,012 every year, while hoping to spend $40,958 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: 63/27/10 Blend
34$1,350,000$1,350,000$1,350,000$1,350,000
35$1,493,901$1,422,351$1,401,426$1,584,345
36$1,602,700$1,448,468$1,404,795$1,671,649
37$1,721,224$1,474,491$1,406,904$1,761,634
38$1,850,421$1,500,373$1,407,668$1,858,855
39$1,991,336$1,526,063$1,406,996$1,964,011
40$2,145,117$1,551,505$1,404,796$2,077,876
41$2,313,030$1,576,640$1,400,967$2,201,300
42$2,496,467$1,601,404$1,395,408$2,335,222
43$2,696,962$1,625,727$1,388,009$2,480,675
44$2,916,201$1,649,537$1,378,656$2,638,799
45$3,156,043$1,672,753$1,367,231$2,810,849
46$3,418,534$1,695,293$1,353,608$2,998,209
47$3,705,928$1,717,066$1,337,657$3,202,404
48$4,020,705$1,737,974$1,319,240$3,425,116
49$4,365,597$1,757,915$1,298,215$3,668,197
50$4,743,614$1,776,779$1,274,432$3,933,690
51$5,158,070$1,794,449$1,247,732$4,223,846
52$5,612,614$1,810,798$1,217,952$4,541,147
53$6,111,267$1,825,693$1,184,920$4,888,329
54$6,658,457$1,838,993$1,148,456$5,268,408
55$7,259,061$1,850,545$1,108,370$5,684,706
56$7,918,452$1,860,189$1,064,468$6,140,889
57$8,642,548$1,867,753$1,016,542$6,640,996
58$9,437,870$1,873,054$964,378$7,189,479
59$10,311,598$1,875,899$907,750$7,791,247
60$11,271,646$1,876,082$846,424$8,451,709
61$12,326,728$1,873,385$780,154$9,176,831
62$13,486,448$1,867,575$708,683$9,973,187
63$14,761,385$1,858,405$631,743$10,848,025
64$16,163,194$1,845,615$549,054$11,809,333
65$17,704,716$1,828,926$460,324$12,865,917
66$19,400,099$1,808,046$365,247$14,027,487
67$21,264,931$1,782,661$263,504$15,304,741
68$23,316,385$1,752,443$154,762$16,709,477
69$25,573,384$1,717,040$38,674$18,254,695
70$28,056,777$1,676,083$0$19,954,730
71$30,789,535$1,629,178$0$21,834,470
72$33,796,970$1,575,910$0$23,907,233
73$37,106,971$1,515,840$0$26,188,127
74$40,750,267$1,448,502$0$28,698,352
75$44,760,719$1,373,403$0$31,461,278
76$49,175,636$1,290,023$0$34,502,658
77$54,036,128$1,197,810$0$37,850,879
78$59,387,494$1,096,184$0$41,537,225
79$65,279,649$984,528$0$45,596,174
80$71,767,595$862,192$0$50,065,729
81$78,911,938$728,488$0$54,987,771
82$86,779,462$582,690$0$60,408,459
83$95,443,756$424,031$0$66,378,666
84$104,985,911$251,700$0$72,954,461
85$115,495,283$64,843$0$80,197,637
86$127,070,337$0$0$88,176,298
87$139,819,574$0$0$97,006,339
88$153,862,556$0$0$106,753,779
89$169,331,037$0$0$117,490,822
90$186,370,200$0$0$129,318,259
91$205,140,030$0$0$142,347,161
92$225,816,825$0$0$156,699,922
93$248,594,857$0$0$172,511,415
94$273,688,207$0$0$189,930,266
95$301,332,784$0$0$209,120,254
96$331,788,552$0$0$230,261,859
97$365,341,983$0$0$253,553,966
98$402,308,760$0$0$279,215,737
99$443,036,758$0$0$307,488,686
100$487,909,325$0$0$338,638,953