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%14.6%
1 years$112,308$111,307$110,331$109,379$108,448$106,389
2 years$55,598$54,562$53,559$52,586$51,642$49,576
3 years$36,697$35,657$34,656$33,692$32,764$30,754
4 years$27,248$26,212$25,221$24,273$23,367$21,431
5 years$21,581$20,550$19,572$18,644$17,764$15,905
6 years$17,804$16,781$15,817$14,910$14,056$12,277
7 years$15,107$14,093$13,144$12,258$11,431$9,733
8 years$13,085$12,080$11,147$10,283$9,483$7,865
9 years$11,513$10,518$9,601$8,759$7,986$6,447
10 years$10,257$9,271$8,371$7,550$6,805$5,343
11 years$9,229$8,253$7,369$6,571$5,852$4,467
12 years$8,374$7,408$6,540$5,764$5,071$3,760
13 years$7,650$6,694$5,843$5,088$4,422$3,183
14 years$7,031$6,085$5,250$4,517$3,877$2,707
15 years$6,494$5,559$4,740$4,028$3,413$2,311
16 years$6,025$5,100$4,298$3,607$3,017$1,979
17 years$5,612$4,697$3,911$3,241$2,675$1,699
18 years$5,245$4,340$3,570$2,921$2,378$1,462
19 years$4,917$4,022$3,268$2,639$2,120$1,261
20 years$4,622$3,738$2,999$2,390$1,893$1,089
21 years$4,356$3,482$2,759$2,169$1,694$942
22 years$4,114$3,250$2,543$1,972$1,519$815
23 years$3,893$3,040$2,348$1,796$1,363$707
24 years$3,692$2,848$2,171$1,638$1,225$613
25 years$3,506$2,673$2,011$1,496$1,103$532
26 years$3,335$2,512$1,865$1,368$993$463
27 years$3,178$2,364$1,732$1,252$896$402
28 years$3,031$2,228$1,610$1,147$808$350
29 years$2,895$2,101$1,498$1,052$730$304
30 years$2,768$1,985$1,396$966$659$265
31 years$2,650$1,876$1,301$887$596$231
32 years$2,539$1,775$1,214$815$539$201
33 years$2,436$1,681$1,133$749$488$175
34 years$2,338$1,593$1,059$690$442$152
35 years$2,246$1,511$990$635$400$133
36 years$2,160$1,434$926$585$363$116
37 years$2,078$1,362$867$539$329$101
38 years$2,001$1,295$812$496$298$88
39 years$1,928$1,231$761$458$270$77
40 years$1,859$1,171$713$422$245$67
41 years$1,794$1,115$668$390$222$58
42 years$1,731$1,062$627$360$202$51
43 years$1,672$1,012$588$332$183$44
44 years$1,616$964$552$306$166$39
45 years$1,562$920$519$283$151$34
46 years$1,511$877$487$261$137$29
47 years$1,462$837$458$242$124$26
48 years$1,415$799$430$223$113$22
49 years$1,371$763$404$206$103$20
50 years$1,328$729$380$191$93$17

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 $5,220 every year, while hoping to spend $38,402 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: 63/15/22 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,504,104$1,432,024$1,410,944$1,589,950
36$1,616,664$1,461,334$1,417,352$1,677,816
37$1,739,417$1,490,793$1,422,686$1,768,989
38$1,873,363$1,520,368$1,426,872$1,867,693
39$2,019,603$1,550,022$1,429,829$1,974,667
40$2,179,346$1,579,717$1,431,472$2,090,728
41$2,353,926$1,609,410$1,431,713$2,216,775
42$2,544,811$1,639,055$1,430,459$2,353,796
43$2,753,615$1,668,602$1,427,613$2,502,885
44$2,982,118$1,697,998$1,423,073$2,665,245
45$3,232,279$1,727,185$1,416,731$2,842,203
46$3,506,255$1,756,101$1,408,475$3,035,220
47$3,806,421$1,784,678$1,398,187$3,245,910
48$4,135,394$1,812,845$1,385,744$3,476,048
49$4,496,054$1,840,525$1,371,017$3,727,595
50$4,891,576$1,867,635$1,353,870$4,002,709
51$5,325,455$1,894,087$1,334,163$4,303,772
52$5,801,539$1,919,785$1,311,745$4,633,407
53$6,324,070$1,944,628$1,286,462$4,994,507
54$6,897,719$1,968,509$1,258,152$5,390,261
55$7,527,630$1,991,310$1,226,645$5,824,184
56$8,219,472$2,012,908$1,191,761$6,300,153
57$8,979,489$2,033,171$1,153,316$6,822,438
58$9,814,559$2,051,958$1,111,114$7,395,750
59$10,732,259$2,069,120$1,064,952$8,025,278
60$11,740,939$2,084,496$1,014,617$8,716,746
61$12,849,794$2,097,916$959,886$9,476,462
62$14,068,958$2,109,198$900,527$10,311,378
63$15,409,594$2,118,151$836,297$11,229,161
64$16,884,002$2,124,570$766,942$12,238,258
65$18,505,731$2,128,235$692,196$13,347,984
66$20,289,714$2,128,916$611,782$14,568,605
67$22,252,399$2,126,367$525,411$15,911,437
68$24,411,912$2,120,327$432,780$17,388,955
69$26,788,222$2,110,519$333,574$19,014,906
70$29,403,335$2,096,649$227,463$20,804,448
71$32,281,495$2,078,404$114,102$22,774,286
72$35,449,416$2,055,454$0$24,942,832
73$38,936,534$2,027,449$0$27,331,996
74$42,775,283$1,994,017$0$29,991,224
75$47,001,402$1,954,764$0$32,918,452
76$51,654,272$1,909,274$0$36,140,955
77$56,777,283$1,857,105$0$39,688,788
78$62,418,252$1,797,788$0$43,595,072
79$68,629,865$1,730,831$0$47,896,308
80$75,470,178$1,655,708$0$52,632,719
81$83,003,165$1,571,867$0$57,848,630
82$91,299,320$1,478,721$0$63,592,891
83$100,436,322$1,375,650$0$69,919,333
84$110,499,770$1,262,000$0$76,887,279
85$121,583,987$1,137,078$0$84,562,104
86$133,792,910$1,000,151$0$93,015,853
87$147,241,075$850,447$0$102,327,920
88$162,054,694$687,148$0$112,585,799
89$178,372,845$509,391$0$123,885,910
90$196,348,788$316,263$0$136,334,511
91$216,151,407$106,803$0$150,048,700
92$237,966,807$0$0$165,157,519
93$262,000,068$0$0$181,822,988
94$288,477,183$0$0$200,202,684
95$317,647,186$0$0$220,451,872
96$349,784,507$0$0$242,761,076
97$385,191,560$0$0$267,340,247
98$424,201,598$0$0$294,420,746
99$467,181,854$0$0$324,257,527
100$514,537,016$0$0$357,131,545