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%13.2%
1 years$113,133$112,126$111,142$110,183$109,246$107,791
2 years$56,007$54,964$53,953$52,972$52,022$50,559
3 years$36,967$35,919$34,911$33,940$33,005$31,579
4 years$27,449$26,404$25,406$24,452$23,539$22,161
5 years$21,740$20,701$19,716$18,781$17,894$16,568
6 years$17,935$16,904$15,934$15,020$14,159$12,886
7 years$15,218$14,196$13,241$12,348$11,515$10,296
8 years$13,181$12,169$11,229$10,359$9,553$8,388
9 years$11,598$10,595$9,672$8,823$8,045$6,933
10 years$10,332$9,339$8,432$7,606$6,855$5,795
11 years$9,297$8,314$7,424$6,619$5,895$4,887
12 years$8,435$7,462$6,588$5,806$5,109$4,151
13 years$7,706$6,744$5,886$5,126$4,455$3,547
14 years$7,082$6,130$5,289$4,550$3,905$3,045
15 years$6,542$5,600$4,775$4,058$3,438$2,624
16 years$6,070$5,138$4,329$3,633$3,039$2,269
17 years$5,653$4,732$3,939$3,265$2,694$1,968
18 years$5,284$4,372$3,596$2,942$2,396$1,711
19 years$4,953$4,052$3,292$2,658$2,135$1,491
20 years$4,656$3,765$3,021$2,408$1,907$1,301
21 years$4,388$3,507$2,779$2,185$1,707$1,137
22 years$4,144$3,274$2,561$1,987$1,530$995
23 years$3,922$3,062$2,365$1,809$1,373$872
24 years$3,719$2,869$2,187$1,650$1,234$765
25 years$3,532$2,692$2,026$1,507$1,111$671
26 years$3,360$2,530$1,879$1,378$1,001$590
27 years$3,201$2,381$1,745$1,261$902$519
28 years$3,053$2,244$1,622$1,156$814$456
29 years$2,916$2,117$1,509$1,060$735$402
30 years$2,789$1,999$1,406$973$664$354
31 years$2,670$1,890$1,311$893$600$311
32 years$2,558$1,788$1,223$821$543$274
33 years$2,453$1,693$1,142$755$492$242
34 years$2,355$1,605$1,067$695$445$213
35 years$2,263$1,522$997$639$403$188
36 years$2,176$1,445$933$589$365$166
37 years$2,094$1,372$873$543$331$146
38 years$2,016$1,304$818$500$300$129
39 years$1,943$1,240$766$461$272$114
40 years$1,873$1,180$718$425$247$101
41 years$1,807$1,123$673$392$224$89
42 years$1,744$1,070$632$362$203$78
43 years$1,685$1,019$593$334$184$69
44 years$1,628$972$556$309$167$61
45 years$1,574$926$522$285$152$54
46 years$1,522$884$491$263$138$48
47 years$1,473$843$461$243$125$42
48 years$1,426$805$433$225$114$37
49 years$1,381$769$407$208$103$33
50 years$1,338$734$383$192$94$29

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 $2,811 every year, while hoping to spend $49,259 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: 74/10/16 Blend
34$1,370,000$1,370,000$1,370,000$1,370,000
35$1,512,640$1,440,030$1,418,795$1,618,950
36$1,614,518$1,458,180$1,413,913$1,707,868
37$1,725,136$1,475,568$1,407,217$1,798,934
38$1,845,335$1,492,106$1,398,594$1,897,408
39$1,976,037$1,507,698$1,387,925$2,004,016
40$2,118,260$1,522,241$1,375,087$2,119,553
41$2,273,120$1,535,628$1,359,949$2,244,900
42$2,441,847$1,547,744$1,342,377$2,381,024
43$2,625,796$1,558,464$1,322,228$2,528,994
44$2,826,457$1,567,658$1,299,352$2,689,987
45$3,045,470$1,575,187$1,273,594$2,865,299
46$3,284,639$1,580,903$1,244,790$3,056,360
47$3,545,952$1,584,647$1,212,771$3,264,747
48$3,831,597$1,586,252$1,177,356$3,492,196
49$4,143,982$1,585,541$1,138,360$3,740,622
50$4,485,760$1,582,324$1,095,587$4,012,137
51$4,859,850$1,576,401$1,048,832$4,309,066
52$5,269,469$1,567,559$997,882$4,633,975
53$5,718,158$1,555,572$942,514$4,989,690
54$6,209,815$1,540,200$882,493$5,379,329
55$6,748,736$1,521,190$817,577$5,806,328
56$7,339,651$1,498,272$747,510$6,274,472
57$7,987,770$1,471,162$672,025$6,787,937
58$8,698,830$1,439,556$590,846$7,351,324
59$9,479,152$1,403,136$503,680$7,969,707
60$10,335,697$1,361,562$410,226$8,648,677
61$11,276,135$1,314,475$310,165$9,394,398
62$12,308,913$1,261,496$203,167$10,213,664
63$13,443,336$1,202,223$88,888$11,113,965
64$14,689,656$1,136,232$0$12,103,558
65$16,059,167$1,063,073$0$13,197,188
66$17,564,309$982,271$0$14,415,802
67$19,218,790$893,324$0$15,755,334
68$21,037,710$795,700$0$17,228,043
69$23,037,706$688,838$0$18,847,435
70$25,237,107$572,146$0$20,628,395
71$27,656,107$444,998$0$22,587,327
72$30,316,958$306,730$0$24,742,304
73$33,244,173$156,645$0$27,113,244
74$36,464,763$0$0$29,722,095
75$40,008,488$0$0$32,593,705
76$43,908,139$0$0$35,772,771
77$48,199,846$0$0$39,271,520
78$52,923,419$0$0$43,122,413
79$58,122,724$0$0$47,361,221
80$63,846,092$0$0$52,027,357
81$70,146,782$0$0$57,164,251
82$77,083,476$0$0$62,819,757
83$84,720,838$0$0$69,046,604
84$93,130,118$0$0$75,902,894
85$102,389,829$0$0$83,452,654
86$112,586,484$0$0$91,766,430
87$123,815,414$0$0$100,921,961
88$136,181,666$0$0$111,004,911
89$149,800,993$0$0$122,109,672
90$164,800,950$0$0$134,340,260
91$181,322,089$0$0$147,811,293
92$199,519,296$0$0$162,649,073
93$219,563,241$0$0$178,992,780
94$241,641,998$0$0$196,995,780
95$265,962,812$0$0$216,827,077
96$292,754,059$0$0$238,672,904
97$322,267,399$0$0$262,738,485
98$354,780,152$0$0$289,249,963
99$390,597,911$0$0$318,456,546
100$430,057,433$0$0$350,632,847