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 $5,548 every year, while hoping to spend $20,079 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: 53/42/5 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,504,443$1,432,363$1,411,283$1,582,247
36$1,636,532$1,481,185$1,437,197$1,684,311
37$1,781,421$1,531,726$1,463,306$1,792,603
38$1,940,395$1,584,049$1,489,596$1,909,917
39$2,114,869$1,638,221$1,516,050$2,037,109
40$2,306,400$1,694,308$1,542,652$2,175,116
41$2,516,705$1,752,382$1,569,384$2,324,973
42$2,747,675$1,812,515$1,596,225$2,487,814
43$3,001,394$1,874,784$1,623,154$2,664,889
44$3,280,157$1,939,269$1,650,150$2,857,572
45$3,586,490$2,006,050$1,677,187$3,067,375
46$3,923,180$2,075,214$1,704,241$3,295,960
47$4,293,294$2,146,850$1,731,283$3,545,158
48$4,700,214$2,221,049$1,758,285$3,816,982
49$5,147,663$2,297,908$1,785,215$4,113,647
50$5,639,745$2,377,526$1,812,039$4,437,594
51$6,180,980$2,460,006$1,838,724$4,791,505
52$6,776,350$2,545,455$1,865,231$5,178,335
53$7,431,341$2,633,987$1,891,520$5,601,338
54$8,152,002$2,725,716$1,917,550$6,064,093
55$8,944,995$2,820,765$1,943,276$6,570,544
56$9,817,659$2,919,257$1,968,651$7,125,030
57$10,778,084$3,021,324$1,993,624$7,732,330
58$11,835,181$3,127,102$2,018,143$8,397,707
59$12,998,771$3,236,731$2,042,152$9,126,956
60$14,279,673$3,350,359$2,065,592$9,926,459
61$15,689,811$3,468,138$2,088,401$10,803,242
62$17,242,322$3,590,227$2,110,513$11,765,045
63$18,951,682$3,716,791$2,131,858$12,820,394
64$20,833,842$3,848,002$2,152,363$13,978,675
65$22,906,378$3,984,038$2,171,952$15,250,230
66$25,188,659$4,125,086$2,190,542$16,646,449
67$27,702,026$4,271,339$2,208,049$18,179,877
68$30,469,996$4,422,998$2,224,383$19,864,334
69$33,518,484$4,580,274$2,239,448$21,715,043
70$36,876,045$4,743,382$2,253,145$23,748,773
71$40,574,145$4,912,552$2,265,369$25,983,998
72$44,647,459$5,088,018$2,276,010$28,441,066
73$49,134,196$5,270,027$2,284,952$31,142,398
74$54,076,460$5,458,834$2,292,073$34,112,691
75$59,520,647$5,654,705$2,297,247$37,379,155
76$65,517,886$5,857,919$2,300,338$40,971,766
77$72,124,517$6,068,764$2,301,205$44,923,551
78$79,402,624$6,287,539$2,299,702$49,270,896
79$87,420,622$6,514,559$2,295,672$54,053,889
80$96,253,902$6,750,149$2,288,954$59,316,698
81$105,985,543$6,994,649$2,279,377$65,107,988
82$116,707,094$7,248,413$2,266,761$71,481,376
83$128,519,441$7,511,808$2,250,921$78,495,937
84$141,533,755$7,785,218$2,231,659$86,216,762
85$155,872,548$8,069,044$2,208,769$94,715,570
86$171,670,822$8,363,701$2,182,037$104,071,383
87$189,077,347$8,669,623$2,151,236$114,371,272
88$208,256,064$8,987,263$2,116,130$125,711,175
89$229,387,635$9,317,091$2,076,473$138,196,804
90$252,671,144$9,659,598$2,032,005$151,944,640
91$278,325,979$10,015,297$1,982,455$167,083,030
92$306,593,902$10,384,719$1,927,540$183,753,399
93$337,741,331$10,768,422$1,866,964$202,111,579
94$372,061,856$11,166,983$1,800,416$222,329,285
95$409,879,007$11,581,008$1,727,573$244,595,728
96$451,549,314$12,011,126$1,648,095$269,119,402
97$497,465,666$12,457,992$1,561,628$296,130,048
98$548,061,023$12,922,293$1,467,801$325,880,826
99$603,812,502$13,404,740$1,366,227$358,650,694
100$665,245,884$13,906,079$1,256,503$394,747,048