Can I retire at age 35 with 1,370,000?

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 $1,370,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$113,133$112,126$111,142$110,183$109,246$105,664
2 years$56,007$54,964$53,953$52,972$52,022$48,448
3 years$36,967$35,919$34,911$33,940$33,005$29,550
4 years$27,449$26,404$25,406$24,452$23,539$20,231
5 years$21,740$20,701$19,716$18,781$17,894$14,740
6 years$17,935$16,904$15,934$15,020$14,159$11,163
7 years$15,218$14,196$13,241$12,348$11,515$8,676
8 years$13,181$12,169$11,229$10,359$9,553$6,869
9 years$11,598$10,595$9,672$8,823$8,045$5,513
10 years$10,332$9,339$8,432$7,606$6,855$4,470
11 years$9,297$8,314$7,424$6,619$5,895$3,654
12 years$8,435$7,462$6,588$5,806$5,109$3,006
13 years$7,706$6,744$5,886$5,126$4,455$2,486
14 years$7,082$6,130$5,289$4,550$3,905$2,064
15 years$6,542$5,600$4,775$4,058$3,438$1,719
16 years$6,070$5,138$4,329$3,633$3,039$1,436
17 years$5,653$4,732$3,939$3,265$2,694$1,202
18 years$5,284$4,372$3,596$2,942$2,396$1,008
19 years$4,953$4,052$3,292$2,658$2,135$847
20 years$4,656$3,765$3,021$2,408$1,907$712
21 years$4,388$3,507$2,779$2,185$1,707$599
22 years$4,144$3,274$2,561$1,987$1,530$505
23 years$3,922$3,062$2,365$1,809$1,373$426
24 years$3,719$2,869$2,187$1,650$1,234$359
25 years$3,532$2,692$2,026$1,507$1,111$304
26 years$3,360$2,530$1,879$1,378$1,001$256
27 years$3,201$2,381$1,745$1,261$902$217
28 years$3,053$2,244$1,622$1,156$814$183
29 years$2,916$2,117$1,509$1,060$735$155
30 years$2,789$1,999$1,406$973$664$131
31 years$2,670$1,890$1,311$893$600$111
32 years$2,558$1,788$1,223$821$543$94
33 years$2,453$1,693$1,142$755$492$79
34 years$2,355$1,605$1,067$695$445$67
35 years$2,263$1,522$997$639$403$57
36 years$2,176$1,445$933$589$365$48
37 years$2,094$1,372$873$543$331$41
38 years$2,016$1,304$818$500$300$34
39 years$1,943$1,240$766$461$272$29
40 years$1,873$1,180$718$425$247$25
41 years$1,807$1,123$673$392$224$21
42 years$1,744$1,070$632$362$203$18
43 years$1,685$1,019$593$334$184$15
44 years$1,628$972$556$309$167$13
45 years$1,574$926$522$285$152$11
46 years$1,522$884$491$263$138$9
47 years$1,473$843$461$243$125$8
48 years$1,426$805$433$225$114$7
49 years$1,381$769$407$208$103$6
50 years$1,338$734$383$192$94$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,370,000, adding $6,308 every year, while hoping to spend $31,554 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: 60/29/11 Blend
34$1,370,000$1,370,000$1,370,000$1,370,000
35$1,516,247$1,443,637$1,422,402$1,602,902
36$1,637,331$1,480,802$1,436,479$1,699,039
37$1,769,708$1,518,730$1,449,970$1,799,723
38$1,914,496$1,557,426$1,462,823$1,908,776
39$2,072,928$1,596,893$1,474,980$2,027,008
40$2,246,359$1,637,134$1,486,385$2,155,311
41$2,436,283$1,678,148$1,496,974$2,294,664
42$2,644,344$1,719,938$1,506,683$2,446,148
43$2,872,353$1,762,501$1,515,443$2,610,953
44$3,122,306$1,805,836$1,523,183$2,790,388
45$3,396,398$1,849,939$1,529,826$2,985,897
46$3,697,050$1,894,805$1,535,294$3,199,069
47$4,026,926$1,940,428$1,539,504$3,431,654
48$4,388,962$1,986,798$1,542,367$3,685,582
49$4,786,391$2,033,906$1,543,791$3,962,976
50$5,222,775$2,081,740$1,543,680$4,266,177
51$5,702,038$2,130,285$1,541,933$4,597,764
52$6,228,501$2,179,524$1,538,443$4,960,578
53$6,806,927$2,229,440$1,533,100$5,357,747
54$7,442,560$2,280,009$1,525,786$5,792,722
55$8,141,180$2,331,208$1,516,378$6,269,302
56$8,909,153$2,383,010$1,504,749$6,791,672
57$9,753,492$2,435,383$1,490,764$7,364,448
58$10,681,926$2,488,294$1,474,282$7,992,711
59$11,702,967$2,541,706$1,455,156$8,682,063
60$12,825,997$2,595,576$1,433,230$9,438,676
61$14,061,349$2,649,860$1,408,344$10,269,352
62$15,420,411$2,704,508$1,380,328$11,181,584
63$16,915,729$2,759,464$1,349,004$12,183,633
64$18,561,125$2,814,670$1,314,189$13,284,599
65$20,371,832$2,870,061$1,275,686$14,494,511
66$22,364,632$2,925,567$1,233,294$15,824,421
67$24,558,015$2,981,110$1,186,800$17,286,510
68$26,972,358$3,036,610$1,135,983$18,894,198
69$29,630,110$3,091,976$1,080,610$20,662,277
70$32,556,010$3,147,111$1,020,440$22,607,048
71$35,777,316$3,201,913$955,218$24,746,472
72$39,324,064$3,256,269$884,679$27,100,346
73$43,229,351$3,310,058$808,548$29,690,485
74$47,529,645$3,363,151$726,535$32,540,931
75$52,265,132$3,415,409$638,337$35,678,177
76$57,480,095$3,466,683$543,640$39,131,423
77$63,223,326$3,516,812$442,114$42,932,845
78$69,548,596$3,565,626$333,416$47,117,904
79$76,515,153$3,612,942$217,185$51,725,680
80$84,188,285$3,658,563$93,047$56,799,238
81$92,639,937$3,702,280$0$62,386,041
82$101,949,388$3,743,869$0$68,543,021
83$112,203,999$3,783,091$0$75,335,150
84$123,500,037$3,819,693$0$82,815,067
85$135,943,584$3,853,401$0$91,052,833
86$149,651,539$3,883,927$0$100,125,652
87$164,752,720$3,910,963$0$110,118,605
88$181,389,077$3,934,181$0$121,125,449
89$199,717,038$3,953,231$0$133,249,509
90$219,908,979$3,967,742$0$146,604,645
91$242,154,853$3,977,319$0$161,316,335
92$266,663,983$3,981,543$0$177,522,856
93$293,667,039$3,979,968$0$195,376,589
94$323,418,211$3,972,121$0$215,045,463
95$356,197,613$3,957,499$0$236,714,534
96$392,313,922$3,935,569$0$260,587,739
97$432,107,295$3,905,766$0$286,889,815
98$475,952,580$3,867,488$0$315,868,430
99$524,262,848$3,820,101$0$347,796,514
100$577,493,303$3,762,929$0$382,974,840