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%
1 years$111,482$110,489$109,520$108,574$107,651$104,582
2 years$55,189$54,161$53,165$52,199$51,262$48,195
3 years$36,427$35,395$34,401$33,445$32,523$29,552
4 years$27,048$26,019$25,035$24,095$23,196$20,345
5 years$21,422$20,399$19,428$18,507$17,633$14,910
6 years$17,673$16,657$15,701$14,800$13,952$11,359
7 years$14,996$13,989$13,048$12,168$11,347$8,884
8 years$12,989$11,991$11,065$10,208$9,413$7,079
9 years$11,429$10,440$9,531$8,695$7,927$5,720
10 years$10,181$9,203$8,309$7,495$6,755$4,670
11 years$9,161$8,193$7,315$6,523$5,809$3,845
12 years$8,312$7,353$6,492$5,721$5,034$3,186
13 years$7,594$6,645$5,800$5,051$4,390$2,654
14 years$6,979$6,040$5,211$4,484$3,848$2,220
15 years$6,446$5,518$4,705$3,999$3,388$1,864
16 years$5,981$5,063$4,266$3,580$2,994$1,569
17 years$5,571$4,662$3,882$3,217$2,655$1,324
18 years$5,206$4,308$3,544$2,899$2,361$1,120
19 years$4,881$3,993$3,244$2,620$2,104$948
20 years$4,588$3,710$2,977$2,373$1,880$804
21 years$4,324$3,456$2,738$2,153$1,682$683
22 years$4,084$3,226$2,524$1,958$1,508$580
23 years$3,865$3,017$2,330$1,783$1,353$494
24 years$3,665$2,827$2,155$1,626$1,216$420
25 years$3,481$2,653$1,996$1,485$1,095$358
26 years$3,311$2,493$1,851$1,358$986$305
27 years$3,154$2,347$1,719$1,243$889$260
28 years$3,009$2,211$1,598$1,139$802$222
29 years$2,874$2,086$1,487$1,044$724$189
30 years$2,748$1,970$1,385$958$654$162
31 years$2,631$1,862$1,291$880$592$138
32 years$2,521$1,762$1,205$809$535$118
33 years$2,418$1,669$1,125$744$484$101
34 years$2,321$1,582$1,051$684$439$86
35 years$2,230$1,500$983$630$397$73
36 years$2,144$1,424$919$580$360$63
37 years$2,063$1,352$861$535$326$53
38 years$1,987$1,285$806$493$296$46
39 years$1,914$1,222$755$454$268$39
40 years$1,846$1,163$708$419$243$33
41 years$1,781$1,107$664$387$221$29
42 years$1,719$1,054$622$357$200$24
43 years$1,660$1,004$584$329$182$21
44 years$1,604$957$548$304$165$18
45 years$1,551$913$515$281$150$15
46 years$1,500$871$484$259$136$13
47 years$1,451$831$454$240$123$11
48 years$1,405$793$427$222$112$9
49 years$1,361$758$401$205$102$8
50 years$1,318$724$377$189$92$7

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 $3,109 every year, while hoping to spend $36,471 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: 66/26/8 Blend
34$1,350,000$1,350,000$1,350,000$1,350,000
35$1,490,907$1,419,357$1,398,432$1,586,839
36$1,604,175$1,450,101$1,406,475$1,681,747
37$1,727,773$1,481,128$1,413,564$1,780,792
38$1,862,718$1,512,415$1,419,631$1,888,079
39$2,010,127$1,543,935$1,424,600$2,004,408
40$2,171,229$1,575,658$1,428,393$2,130,658
41$2,347,381$1,607,551$1,430,931$2,267,799
42$2,540,072$1,639,580$1,432,125$2,416,900
43$2,750,946$1,671,705$1,431,888$2,579,136
44$2,981,810$1,703,886$1,430,124$2,755,805
45$3,234,655$1,736,078$1,426,734$2,948,334
46$3,511,675$1,768,231$1,421,614$3,158,296
47$3,815,284$1,800,292$1,414,657$3,387,424
48$4,148,142$1,832,205$1,405,747$3,637,628
49$4,513,178$1,863,909$1,394,765$3,911,011
50$4,913,618$1,895,337$1,381,585$4,209,893
51$5,353,016$1,926,417$1,366,077$4,536,827
52$5,835,287$1,957,074$1,348,104$4,894,628
53$6,364,741$1,987,226$1,327,520$5,286,398
54$6,946,129$2,016,784$1,304,176$5,715,556
55$7,584,681$2,045,654$1,277,914$6,185,868
56$8,286,163$2,073,735$1,248,568$6,701,485
57$9,056,923$2,100,920$1,215,966$7,266,981
58$9,903,956$2,127,092$1,179,928$7,887,397
59$10,834,968$2,152,128$1,140,264$8,568,290
60$11,858,449$2,175,896$1,096,777$9,315,781
61$12,983,752$2,198,256$1,049,260$10,136,619
62$14,221,181$2,219,057$997,497$11,038,239
63$15,582,091$2,238,140$941,262$12,028,838
64$17,078,989$2,255,334$880,319$13,117,446
65$18,725,658$2,270,457$814,422$14,314,018
66$20,537,282$2,283,316$743,312$15,629,526
67$22,530,592$2,293,707$666,721$17,076,058
68$24,724,024$2,301,409$584,367$18,666,941
69$27,137,887$2,306,192$495,957$20,416,859
70$29,794,563$2,307,807$401,183$22,341,999
71$32,718,712$2,305,992$299,725$24,460,198
72$35,937,504$2,300,469$191,250$26,791,114
73$39,480,880$2,290,942$75,407$29,356,415
74$43,381,829$2,277,098$0$32,179,979
75$47,676,703$2,258,603$0$35,292,239
76$52,405,556$2,235,105$0$38,725,220
77$57,612,527$2,206,228$0$42,504,478
78$63,346,249$2,171,578$0$46,665,278
79$69,660,313$2,130,732$0$51,246,484
80$76,613,774$2,083,247$0$56,290,924
81$84,271,704$2,028,651$0$61,845,799
82$92,705,806$1,966,444$0$67,963,125
83$101,995,097$1,896,098$0$74,700,226
84$112,226,644$1,817,054$0$82,120,276
85$123,496,392$1,728,720$0$90,292,898
86$135,910,068$1,630,471$0$99,294,816
87$149,584,175$1,521,644$0$109,210,587
88$164,647,097$1,401,540$0$120,133,394
89$181,240,304$1,269,420$0$132,165,932
90$199,519,694$1,124,500$0$145,421,373
91$219,657,057$965,955$0$160,024,438
92$241,841,702$792,911$0$176,112,579
93$266,282,238$604,447$0$193,837,268
94$293,208,549$399,587$0$213,365,439
95$322,873,957$177,303$0$234,881,059
96$355,557,618$0$0$258,586,865
97$391,567,154$0$0$284,724,451
98$431,241,556$0$0$313,578,227
99$474,954,386$0$0$345,369,162
100$523,117,299$0$0$380,396,660