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%15.2%
1 years$112,308$111,307$110,331$109,379$108,448$106,129
2 years$55,598$54,562$53,559$52,586$51,642$49,316
3 years$36,697$35,657$34,656$33,692$32,764$30,505
4 years$27,248$26,212$25,221$24,273$23,367$21,192
5 years$21,581$20,550$19,572$18,644$17,764$15,678
6 years$17,804$16,781$15,817$14,910$14,056$12,063
7 years$15,107$14,093$13,144$12,258$11,431$9,531
8 years$13,085$12,080$11,147$10,283$9,483$7,675
9 years$11,513$10,518$9,601$8,759$7,986$6,269
10 years$10,257$9,271$8,371$7,550$6,805$5,176
11 years$9,229$8,253$7,369$6,571$5,852$4,311
12 years$8,374$7,408$6,540$5,764$5,071$3,615
13 years$7,650$6,694$5,843$5,088$4,422$3,048
14 years$7,031$6,085$5,250$4,517$3,877$2,581
15 years$6,494$5,559$4,740$4,028$3,413$2,194
16 years$6,025$5,100$4,298$3,607$3,017$1,871
17 years$5,612$4,697$3,911$3,241$2,675$1,600
18 years$5,245$4,340$3,570$2,921$2,378$1,371
19 years$4,917$4,022$3,268$2,639$2,120$1,177
20 years$4,622$3,738$2,999$2,390$1,893$1,012
21 years$4,356$3,482$2,759$2,169$1,694$871
22 years$4,114$3,250$2,543$1,972$1,519$751
23 years$3,893$3,040$2,348$1,796$1,363$648
24 years$3,692$2,848$2,171$1,638$1,225$559
25 years$3,506$2,673$2,011$1,496$1,103$483
26 years$3,335$2,512$1,865$1,368$993$418
27 years$3,178$2,364$1,732$1,252$896$361
28 years$3,031$2,228$1,610$1,147$808$313
29 years$2,895$2,101$1,498$1,052$730$271
30 years$2,768$1,985$1,396$966$659$235
31 years$2,650$1,876$1,301$887$596$203
32 years$2,539$1,775$1,214$815$539$176
33 years$2,436$1,681$1,133$749$488$153
34 years$2,338$1,593$1,059$690$442$132
35 years$2,246$1,511$990$635$400$115
36 years$2,160$1,434$926$585$363$100
37 years$2,078$1,362$867$539$329$86
38 years$2,001$1,295$812$496$298$75
39 years$1,928$1,231$761$458$270$65
40 years$1,859$1,171$713$422$245$56
41 years$1,794$1,115$668$390$222$49
42 years$1,731$1,062$627$360$202$42
43 years$1,672$1,012$588$332$183$37
44 years$1,616$964$552$306$166$32
45 years$1,562$920$519$283$151$28
46 years$1,511$877$487$261$137$24
47 years$1,462$837$458$242$124$21
48 years$1,415$799$430$223$113$18
49 years$1,371$763$404$206$103$16
50 years$1,328$729$380$191$93$14

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 $4,191 every year, while hoping to spend $49,895 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: 81/11/8 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,503,043$1,430,963$1,409,883$1,622,942
36$1,603,266$1,447,992$1,404,026$1,719,090
37$1,712,038$1,464,184$1,396,301$1,817,564
38$1,830,181$1,479,444$1,386,592$1,924,135
39$1,958,595$1,493,672$1,374,778$2,039,587
40$2,098,272$1,506,762$1,360,734$2,164,781
41$2,250,303$1,518,601$1,344,325$2,300,668
42$2,415,889$1,529,067$1,325,415$2,448,294
43$2,596,349$1,538,031$1,303,856$2,608,811
44$2,793,139$1,545,357$1,279,498$2,783,490
45$3,007,859$1,550,898$1,252,180$2,973,728
46$3,242,269$1,554,501$1,221,736$3,181,066
47$3,498,308$1,556,000$1,187,993$3,407,202
48$3,778,112$1,555,219$1,150,767$3,654,005
49$4,084,029$1,551,975$1,109,867$3,923,537
50$4,418,647$1,546,069$1,065,094$4,218,068
51$4,784,814$1,537,292$1,016,241$4,540,098
52$5,185,668$1,525,422$963,087$4,892,385
53$5,624,662$1,510,223$905,407$5,277,966
54$6,105,600$1,491,447$842,961$5,700,189
55$6,632,672$1,468,828$775,500$6,162,741
56$7,210,490$1,442,086$702,765$6,669,687
57$7,844,136$1,410,925$624,484$7,225,506
58$8,539,206$1,375,029$540,373$7,835,134
59$9,301,866$1,334,065$450,135$8,504,012
60$10,138,904$1,287,682$353,462$9,238,133
61$11,057,799$1,235,506$250,031$10,044,104
62$12,066,791$1,177,142$139,503$10,929,207
63$13,174,954$1,112,173$21,527$11,901,464
64$14,392,287$1,040,156$0$12,969,720
65$15,729,802$960,626$0$14,152,628
66$17,199,634$873,088$0$15,454,561
67$18,815,148$777,021$0$16,885,550
68$20,591,070$671,873$0$18,458,676
69$22,543,626$557,060$0$20,188,354
70$24,690,688$431,969$0$22,090,467
71$27,051,950$295,948$0$24,182,520
72$29,649,110$148,310$0$26,483,801
73$32,506,073$0$0$29,015,564
74$35,649,178$0$0$31,802,644
75$39,107,445$0$0$34,888,979
76$42,912,850$0$0$38,285,158
77$47,100,624$0$0$42,022,628
78$51,709,587$0$0$46,136,040
79$56,782,513$0$0$50,663,575
80$62,366,531$0$0$55,647,299
81$68,513,573$0$0$61,133,569
82$75,280,862$0$0$67,173,462
83$82,731,450$0$0$73,823,258
84$90,934,814$0$0$81,144,973
85$99,967,510$0$0$89,206,943
86$109,913,899$0$0$98,084,467
87$120,866,934$0$0$107,860,519
88$132,929,046$0$0$118,626,528
89$146,213,105$0$0$130,483,244
90$160,843,485$0$0$143,541,685
91$176,957,238$0$0$157,924,184
92$194,705,386$0$0$173,765,548
93$214,254,349$0$0$191,214,323
94$235,787,510$0$0$210,434,201
95$259,506,948$0$0$231,605,561
96$285,635,347$0$0$254,927,173
97$314,418,090$0$0$280,618,071
98$346,125,584$0$0$308,919,624
99$381,055,803$0$0$340,097,807
100$419,537,104$0$0$374,445,719