Can I retire at age 35 with 1,360,000?

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 $1,360,000?

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%
1 years$112,308$111,307$110,331$109,379$108,448$105,314
2 years$55,598$54,562$53,559$52,586$51,642$48,510
3 years$36,697$35,657$34,656$33,692$32,764$29,731
4 years$27,248$26,212$25,221$24,273$23,367$20,457
5 years$21,581$20,550$19,572$18,644$17,764$14,984
6 years$17,804$16,781$15,817$14,910$14,056$11,410
7 years$15,107$14,093$13,144$12,258$11,431$8,919
8 years$13,085$12,080$11,147$10,283$9,483$7,103
9 years$11,513$10,518$9,601$8,759$7,986$5,735
10 years$10,257$9,271$8,371$7,550$6,805$4,680
11 years$9,229$8,253$7,369$6,571$5,852$3,850
12 years$8,374$7,408$6,540$5,764$5,071$3,189
13 years$7,650$6,694$5,843$5,088$4,422$2,654
14 years$7,031$6,085$5,250$4,517$3,877$2,219
15 years$6,494$5,559$4,740$4,028$3,413$1,861
16 years$6,025$5,100$4,298$3,607$3,017$1,566
17 years$5,612$4,697$3,911$3,241$2,675$1,321
18 years$5,245$4,340$3,570$2,921$2,378$1,116
19 years$4,917$4,022$3,268$2,639$2,120$944
20 years$4,622$3,738$2,999$2,390$1,893$800
21 years$4,356$3,482$2,759$2,169$1,694$679
22 years$4,114$3,250$2,543$1,972$1,519$577
23 years$3,893$3,040$2,348$1,796$1,363$490
24 years$3,692$2,848$2,171$1,638$1,225$417
25 years$3,506$2,673$2,011$1,496$1,103$355
26 years$3,335$2,512$1,865$1,368$993$302
27 years$3,178$2,364$1,732$1,252$896$257
28 years$3,031$2,228$1,610$1,147$808$219
29 years$2,895$2,101$1,498$1,052$730$187
30 years$2,768$1,985$1,396$966$659$159
31 years$2,650$1,876$1,301$887$596$136
32 years$2,539$1,775$1,214$815$539$116
33 years$2,436$1,681$1,133$749$488$99
34 years$2,338$1,593$1,059$690$442$84
35 years$2,246$1,511$990$635$400$72
36 years$2,160$1,434$926$585$363$62
37 years$2,078$1,362$867$539$329$52
38 years$2,001$1,295$812$496$298$45
39 years$1,928$1,231$761$458$270$38
40 years$1,859$1,171$713$422$245$33
41 years$1,794$1,115$668$390$222$28
42 years$1,731$1,062$627$360$202$24
43 years$1,672$1,012$588$332$183$20
44 years$1,616$964$552$306$166$17
45 years$1,562$920$519$283$151$15
46 years$1,511$877$487$261$137$13
47 years$1,462$837$458$242$124$11
48 years$1,415$799$430$223$113$9
49 years$1,371$763$404$206$103$8
50 years$1,328$729$380$191$93$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,360,000, adding $3,954 every year, while hoping to spend $57,896 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: 72/13/15 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,502,799$1,430,719$1,409,639$1,605,671
36$1,594,483$1,439,223$1,395,261$1,682,920
37$1,693,579$1,446,203$1,378,460$1,760,058
38$1,800,781$1,451,525$1,359,096$1,843,010
39$1,916,853$1,455,042$1,337,018$1,932,339
40$2,042,635$1,456,602$1,312,071$2,028,665
41$2,179,050$1,456,041$1,284,092$2,132,675
42$2,327,114$1,453,188$1,252,909$2,245,123
43$2,487,942$1,447,857$1,218,345$2,366,844
44$2,662,765$1,439,854$1,180,211$2,498,757
45$2,852,932$1,428,972$1,138,313$2,641,875
46$3,059,931$1,414,991$1,092,447$2,797,317
47$3,285,398$1,397,680$1,042,398$2,966,316
48$3,531,133$1,376,791$987,943$3,150,233
49$3,799,118$1,352,063$928,848$3,350,568
50$4,091,533$1,323,219$864,870$3,568,977
51$4,410,779$1,289,967$795,753$3,807,285
52$4,759,499$1,251,995$721,231$4,067,504
53$5,140,600$1,208,976$641,025$4,351,855
54$5,557,287$1,160,561$554,844$4,662,787
55$6,013,084$1,106,383$462,386$5,003,001
56$6,511,875$1,046,052$363,332$5,375,475
57$7,057,934$979,156$257,351$5,783,494
58$7,655,970$905,261$144,099$6,230,681
59$8,311,166$823,906$23,213$6,721,031
60$9,029,232$734,605$0$7,258,949
61$9,816,456$636,843$0$7,866,227
62$10,679,764$530,078$0$8,536,355
63$11,626,783$413,735$0$9,271,587
64$12,665,915$287,208$0$10,078,507
65$13,806,415$149,857$0$10,964,369
66$15,058,475$1,006$0$11,937,170
67$16,433,326$0$0$13,005,722
68$17,943,336$0$0$14,202,632
69$19,602,132$0$0$15,517,706
70$21,424,726$0$0$16,962,710
71$23,427,654$0$0$18,550,762
72$25,629,135$0$0$20,296,319
73$28,049,241$0$0$22,215,304
74$30,710,085$0$0$24,325,261
75$33,636,030$0$0$26,645,520
76$36,853,916$0$0$29,197,376
77$40,393,318$0$0$32,004,293
78$44,286,818$0$0$35,092,123
79$48,570,317$0$0$38,489,347
80$53,283,369$0$0$42,227,351
81$58,469,557$0$0$46,340,711
82$64,176,902$0$0$50,867,529
83$70,458,315$0$0$55,849,784
84$77,372,097$0$0$61,333,732
85$84,982,485$0$0$67,370,343
86$93,360,264$0$0$74,015,775
87$102,583,427$0$0$81,331,912
88$112,737,916$0$0$89,386,941
89$123,918,429$0$0$98,255,996
90$136,229,314$0$0$108,021,871
91$149,785,551$0$0$118,775,793
92$164,713,842$0$0$130,618,289
93$181,153,798$0$0$143,660,131
94$199,259,263$0$0$158,023,384
95$219,199,761$0$0$173,842,550
96$241,162,095$0$0$191,265,846
97$265,352,111$0$0$210,456,596
98$291,996,641$0$0$231,594,774
99$321,345,640$0$0$254,878,701
100$353,674,544$0$0$280,526,919