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

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 $1,370,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$113,133$112,126$111,142$110,183$109,246$106,475
2 years$56,007$54,964$53,953$52,972$52,022$49,248
3 years$36,967$35,919$34,911$33,940$33,005$30,315
4 years$27,449$26,404$25,406$24,452$23,539$20,955
5 years$21,740$20,701$19,716$18,781$17,894$15,421
6 years$17,935$16,904$15,934$15,020$14,159$11,801
7 years$15,218$14,196$13,241$12,348$11,515$9,271
8 years$13,181$12,169$11,229$10,359$9,553$7,422
9 years$11,598$10,595$9,672$8,823$8,045$6,026
10 years$10,332$9,339$8,432$7,606$6,855$4,945
11 years$9,297$8,314$7,424$6,619$5,895$4,092
12 years$8,435$7,462$6,588$5,806$5,109$3,409
13 years$7,706$6,744$5,886$5,126$4,455$2,855
14 years$7,082$6,130$5,289$4,550$3,905$2,402
15 years$6,542$5,600$4,775$4,058$3,438$2,027
16 years$6,070$5,138$4,329$3,633$3,039$1,717
17 years$5,653$4,732$3,939$3,265$2,694$1,457
18 years$5,284$4,372$3,596$2,942$2,396$1,239
19 years$4,953$4,052$3,292$2,658$2,135$1,056
20 years$4,656$3,765$3,021$2,408$1,907$901
21 years$4,388$3,507$2,779$2,185$1,707$770
22 years$4,144$3,274$2,561$1,987$1,530$658
23 years$3,922$3,062$2,365$1,809$1,373$564
24 years$3,719$2,869$2,187$1,650$1,234$483
25 years$3,532$2,692$2,026$1,507$1,111$414
26 years$3,360$2,530$1,879$1,378$1,001$355
27 years$3,201$2,381$1,745$1,261$902$305
28 years$3,053$2,244$1,622$1,156$814$262
29 years$2,916$2,117$1,509$1,060$735$225
30 years$2,789$1,999$1,406$973$664$193
31 years$2,670$1,890$1,311$893$600$166
32 years$2,558$1,788$1,223$821$543$142
33 years$2,453$1,693$1,142$755$492$122
34 years$2,355$1,605$1,067$695$445$105
35 years$2,263$1,522$997$639$403$91
36 years$2,176$1,445$933$589$365$78
37 years$2,094$1,372$873$543$331$67
38 years$2,016$1,304$818$500$300$58
39 years$1,943$1,240$766$461$272$50
40 years$1,873$1,180$718$425$247$43
41 years$1,807$1,123$673$392$224$37
42 years$1,744$1,070$632$362$203$32
43 years$1,685$1,019$593$334$184$27
44 years$1,628$972$556$309$167$23
45 years$1,574$926$522$285$152$20
46 years$1,522$884$491$263$138$17
47 years$1,473$843$461$243$125$15
48 years$1,426$805$433$225$114$13
49 years$1,381$769$407$208$103$11
50 years$1,338$734$383$192$94$9

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 $5,041 every year, while hoping to spend $44,656 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: 65/30/5 Blend
34$1,370,000$1,370,000$1,370,000$1,370,000
35$1,514,940$1,442,330$1,421,095$1,612,058
36$1,621,950$1,465,490$1,421,188$1,700,361
37$1,738,379$1,488,289$1,419,787$1,790,985
38$1,865,139$1,510,661$1,416,796$1,888,797
39$2,003,237$1,532,537$1,412,112$1,994,490
40$2,153,778$1,553,842$1,405,629$2,108,828
41$2,317,979$1,574,497$1,397,234$2,232,652
42$2,497,182$1,594,416$1,386,810$2,366,889
43$2,692,860$1,613,508$1,374,234$2,512,561
44$2,906,638$1,631,676$1,359,377$2,670,794
45$3,140,304$1,648,816$1,342,104$2,842,828
46$3,395,824$1,664,818$1,322,274$3,030,032
47$3,675,367$1,679,563$1,299,739$3,233,913
48$3,981,318$1,692,925$1,274,344$3,456,133
49$4,316,305$1,704,770$1,245,926$3,698,522
50$4,683,220$1,714,956$1,214,317$3,963,101
51$5,085,250$1,723,331$1,179,338$4,252,094
52$5,525,904$1,729,732$1,140,805$4,567,955
53$6,009,046$1,733,989$1,098,522$4,913,388
54$6,538,933$1,735,919$1,052,287$5,291,373
55$7,120,253$1,735,328$1,001,887$5,705,199
56$7,758,170$1,732,010$947,101$6,158,486
57$8,458,371$1,725,746$887,697$6,655,229
58$9,227,122$1,716,305$823,431$7,199,831
59$10,071,324$1,703,439$754,052$7,797,144
60$10,998,581$1,686,890$679,295$8,452,519
61$12,017,267$1,666,378$598,882$9,171,854
62$13,136,609$1,641,612$512,526$9,961,651
63$14,366,772$1,612,280$419,925$10,829,078
64$15,718,954$1,578,053$320,763$11,782,037
65$17,205,492$1,538,582$214,713$12,829,237
66$18,839,978$1,493,498$101,432$13,980,282
67$20,637,386$1,442,410$0$15,245,756
68$22,614,216$1,384,904$0$16,638,366
69$24,788,644$1,320,543$0$18,175,779
70$27,180,699$1,248,862$0$19,866,780
71$29,812,447$1,169,374$0$21,727,019
72$32,708,202$1,081,559$0$23,773,750
73$35,894,753$984,870$0$26,025,991
74$39,401,618$878,727$0$28,504,701
75$43,261,318$762,521$0$31,232,985
76$47,509,692$635,603$0$34,236,309
77$52,186,224$497,292$0$37,542,743
78$57,334,425$346,865$0$41,183,226
79$63,002,237$183,562$0$45,191,859
80$69,242,486$6,577$0$49,606,228
81$76,113,382$0$0$54,467,762
82$83,679,066$0$0$59,883,177
83$92,010,217$0$0$65,849,012
84$101,184,716$0$0$72,418,881
85$111,288,382$0$0$79,654,255
86$122,415,780$0$0$87,622,870
87$134,671,117$0$0$96,399,366
88$148,169,219$0$0$106,065,991
89$163,036,620$0$0$116,713,380
90$179,412,751$0$0$128,441,406
91$197,451,258$0$0$141,360,122
92$217,321,453$0$0$155,590,805
93$239,209,909$0$0$171,267,095
94$263,322,219$0$0$188,536,255
95$289,884,941$0$0$207,560,567
96$319,147,733$0$0$228,518,858
97$351,385,706$0$0$251,608,189
98$386,902,028$0$0$277,045,714
99$426,030,776$0$0$305,070,732
100$469,140,096$0$0$335,946,942