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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.3%
1 years$112,308$111,307$110,331$109,379$108,448$105,655
2 years$55,598$54,562$53,559$52,586$51,642$48,847
3 years$36,697$35,657$34,656$33,692$32,764$30,053
4 years$27,248$26,212$25,221$24,273$23,367$20,763
5 years$21,581$20,550$19,572$18,644$17,764$15,272
6 years$17,804$16,781$15,817$14,910$14,056$11,680
7 years$15,107$14,093$13,144$12,258$11,431$9,171
8 years$13,085$12,080$11,147$10,283$9,483$7,338
9 years$11,513$10,518$9,601$8,759$7,986$5,954
10 years$10,257$9,271$8,371$7,550$6,805$4,883
11 years$9,229$8,253$7,369$6,571$5,852$4,038
12 years$8,374$7,408$6,540$5,764$5,071$3,362
13 years$7,650$6,694$5,843$5,088$4,422$2,814
14 years$7,031$6,085$5,250$4,517$3,877$2,365
15 years$6,494$5,559$4,740$4,028$3,413$1,995
16 years$6,025$5,100$4,298$3,607$3,017$1,688
17 years$5,612$4,697$3,911$3,241$2,675$1,432
18 years$5,245$4,340$3,570$2,921$2,378$1,217
19 years$4,917$4,022$3,268$2,639$2,120$1,036
20 years$4,622$3,738$2,999$2,390$1,893$884
21 years$4,356$3,482$2,759$2,169$1,694$754
22 years$4,114$3,250$2,543$1,972$1,519$645
23 years$3,893$3,040$2,348$1,796$1,363$551
24 years$3,692$2,848$2,171$1,638$1,225$472
25 years$3,506$2,673$2,011$1,496$1,103$404
26 years$3,335$2,512$1,865$1,368$993$346
27 years$3,178$2,364$1,732$1,252$896$297
28 years$3,031$2,228$1,610$1,147$808$255
29 years$2,895$2,101$1,498$1,052$730$219
30 years$2,768$1,985$1,396$966$659$188
31 years$2,650$1,876$1,301$887$596$161
32 years$2,539$1,775$1,214$815$539$138
33 years$2,436$1,681$1,133$749$488$119
34 years$2,338$1,593$1,059$690$442$102
35 years$2,246$1,511$990$635$400$88
36 years$2,160$1,434$926$585$363$75
37 years$2,078$1,362$867$539$329$65
38 years$2,001$1,295$812$496$298$56
39 years$1,928$1,231$761$458$270$48
40 years$1,859$1,171$713$422$245$41
41 years$1,794$1,115$668$390$222$35
42 years$1,731$1,062$627$360$202$30
43 years$1,672$1,012$588$332$183$26
44 years$1,616$964$552$306$166$22
45 years$1,562$920$519$283$151$19
46 years$1,511$877$487$261$137$17
47 years$1,462$837$458$242$124$14
48 years$1,415$799$430$223$113$12
49 years$1,371$763$404$206$103$11
50 years$1,328$729$380$191$93$9

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 $6,212 every year, while hoping to spend $58,321 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: 76/8/16 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,505,128$1,433,048$1,411,968$1,613,763
36$1,596,598$1,441,214$1,397,216$1,694,559
37$1,695,443$1,447,826$1,380,014$1,775,224
38$1,802,354$1,452,745$1,360,221$1,862,079
39$1,918,090$1,455,826$1,337,685$1,955,723
40$2,043,486$1,456,912$1,312,248$2,056,816
41$2,179,460$1,455,839$1,283,746$2,166,086
42$2,327,021$1,452,431$1,252,007$2,284,334
43$2,487,278$1,446,501$1,216,851$2,412,446
44$2,661,453$1,437,852$1,178,088$2,551,396
45$2,850,888$1,426,274$1,135,521$2,702,259
46$3,057,062$1,411,545$1,088,945$2,866,220
47$3,281,601$1,393,429$1,038,142$3,044,586
48$3,526,293$1,371,675$982,888$3,238,797
49$3,793,107$1,346,020$922,948$3,450,440
50$4,084,211$1,316,182$858,074$3,681,268
51$4,401,990$1,281,865$788,009$3,933,211
52$4,749,071$1,242,753$712,485$4,208,397
53$5,128,343$1,198,515$631,219$4,509,173
54$5,542,988$1,148,797$543,920$4,838,126
55$5,996,512$1,093,227$450,281$5,198,110
56$6,492,772$1,031,411$349,980$5,592,270
57$7,036,015$962,931$242,685$6,024,074
58$7,630,920$887,346$128,047$6,497,345
59$8,282,639$804,190$5,701$7,016,298
60$8,996,843$712,971$0$7,585,581
61$9,779,782$613,167$0$8,231,635
62$10,638,336$504,229$0$8,941,216
63$11,580,085$385,574$0$9,719,648
64$12,613,376$256,590$0$10,573,871
65$13,747,405$116,627$0$11,511,531
66$14,992,300$0$0$12,541,053
67$16,359,218$0$0$13,674,802
68$17,860,449$0$0$14,931,283
69$19,509,532$0$0$16,311,566
70$21,321,383$0$0$17,828,143
71$23,312,431$0$0$19,494,774
72$25,500,779$0$0$21,326,619
73$27,906,368$0$0$23,340,378
74$30,551,169$0$0$25,554,451
75$33,459,388$0$0$27,989,111
76$36,657,694$0$0$30,666,691
77$40,175,468$0$0$33,611,800
78$44,045,084$0$0$36,851,548
79$48,302,210$0$0$40,415,807
80$52,986,146$0$0$44,337,492
81$58,140,191$0$0$48,652,865
82$63,812,058$0$0$53,401,884
83$70,054,314$0$0$58,628,576
84$76,924,883$0$0$64,381,451
85$84,487,589$0$0$70,713,961
86$92,812,756$0$0$77,685,003
87$101,977,875$0$0$85,359,476
88$112,068,329$0$0$93,808,889
89$123,178,204$0$0$103,112,038
90$135,411,172$0$0$113,355,750
91$148,881,470$0$0$124,635,698
92$163,714,976$0$0$137,057,308
93$180,050,399$0$0$150,736,748
94$198,040,585$0$0$165,802,028
95$217,853,959$0$0$182,394,206
96$239,676,113$0$0$200,668,717
97$263,711,561$0$0$220,796,844
98$290,185,662$0$0$242,967,326
99$319,346,750$0$0$267,388,148
100$351,468,476$0$0$294,288,495