Can I retire at age 35 with 1,380,000?

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 $1,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$113,959$112,944$111,954$110,987$110,043$105,928
2 years$56,415$55,365$54,346$53,359$52,401$48,303
3 years$37,237$36,181$35,166$34,188$33,246$29,292
4 years$27,649$26,597$25,592$24,630$23,711$19,933
5 years$21,898$20,853$19,860$18,918$18,025$14,432
6 years$18,065$17,028$16,050$15,129$14,262$10,857
7 years$15,329$14,300$13,338$12,439$11,599$8,381
8 years$13,277$12,258$11,311$10,434$9,623$6,588
9 years$11,683$10,672$9,742$8,888$8,104$5,249
10 years$10,407$9,407$8,494$7,661$6,905$4,224
11 years$9,365$8,375$7,478$6,668$5,938$3,426
12 years$8,497$7,517$6,636$5,848$5,146$2,796
13 years$7,763$6,793$5,929$5,163$4,487$2,293
14 years$7,134$6,175$5,327$4,583$3,934$1,888
15 years$6,590$5,641$4,810$4,088$3,463$1,559
16 years$6,114$5,175$4,361$3,660$3,061$1,291
17 years$5,695$4,766$3,968$3,288$2,714$1,071
18 years$5,322$4,404$3,622$2,964$2,413$890
19 years$4,989$4,082$3,316$2,678$2,151$741
20 years$4,690$3,793$3,043$2,425$1,921$618
21 years$4,420$3,533$2,799$2,201$1,719$515
22 years$4,174$3,298$2,580$2,001$1,541$430
23 years$3,951$3,084$2,382$1,823$1,383$359
24 years$3,746$2,890$2,203$1,662$1,243$300
25 years$3,558$2,712$2,041$1,518$1,119$251
26 years$3,384$2,549$1,893$1,388$1,008$210
27 years$3,224$2,399$1,757$1,271$909$176
28 years$3,076$2,260$1,634$1,164$820$147
29 years$2,938$2,132$1,520$1,068$740$123
30 years$2,809$2,014$1,416$980$669$103
31 years$2,689$1,904$1,320$900$605$86
32 years$2,577$1,801$1,232$827$547$72
33 years$2,471$1,706$1,150$760$495$61
34 years$2,372$1,617$1,075$700$448$51
35 years$2,279$1,533$1,005$644$406$43
36 years$2,192$1,455$940$593$368$36
37 years$2,109$1,382$880$547$333$30
38 years$2,031$1,314$824$504$302$25
39 years$1,957$1,249$772$464$274$21
40 years$1,887$1,189$723$428$249$18
41 years$1,820$1,131$678$395$226$15
42 years$1,757$1,078$636$365$205$12
43 years$1,697$1,027$597$337$186$10
44 years$1,640$979$560$311$169$9
45 years$1,585$933$526$287$153$7
46 years$1,533$890$494$265$139$6
47 years$1,484$850$464$245$126$5
48 years$1,436$811$436$226$115$4
49 years$1,391$774$410$209$104$4
50 years$1,347$740$386$193$95$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,380,000, adding $3,597 every year, while hoping to spend $57,876 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: 66/18/16 Blend
34$1,380,000$1,380,000$1,380,000$1,380,000
35$1,524,470$1,451,330$1,429,940$1,618,970
36$1,618,387$1,460,866$1,416,264$1,692,138
37$1,719,943$1,468,929$1,400,189$1,765,024
38$1,829,857$1,475,386$1,381,575$1,843,271
39$1,948,918$1,480,096$1,360,274$1,927,402
40$2,077,995$1,482,908$1,336,130$2,017,994
41$2,218,041$1,483,661$1,308,981$2,115,684
42$2,370,107$1,482,186$1,278,658$2,221,177
43$2,535,347$1,478,303$1,244,983$2,335,248
44$2,715,032$1,471,819$1,207,769$2,458,755
45$2,910,559$1,462,532$1,166,822$2,592,643
46$3,123,465$1,450,225$1,121,940$2,737,957
47$3,355,442$1,434,670$1,072,909$2,895,850
48$3,608,353$1,415,624$1,019,507$3,067,592
49$3,884,246$1,392,831$961,502$3,254,589
50$4,185,377$1,366,018$898,650$3,458,388
51$4,514,229$1,334,896$830,698$3,680,700
52$4,873,535$1,299,161$757,382$3,923,411
53$5,266,305$1,258,489$678,423$4,188,604
54$5,695,850$1,212,537$593,533$4,478,575
55$6,165,820$1,160,944$502,408$4,795,859
56$6,680,229$1,103,326$404,735$5,143,253
57$7,243,501$1,039,278$300,182$5,523,844
58$7,860,507$968,371$188,407$5,941,036
59$8,536,609$890,152$69,049$6,398,585
60$9,277,715$804,141$0$6,900,636
61$10,090,331$709,833$0$7,461,717
62$10,981,622$606,691$0$8,090,142
63$11,959,479$494,152$0$8,779,744
64$13,032,597$371,616$0$9,536,731
65$14,210,550$238,453$0$10,367,948
66$15,503,887$93,998$0$11,280,942
67$16,924,225$0$0$12,284,028
68$18,484,364$0$0$13,398,747
69$20,198,404$0$0$14,643,976
70$22,081,879$0$0$16,012,392
71$24,151,900$0$0$17,516,442
72$26,427,319$0$0$19,169,834
73$28,928,907$0$0$20,987,673
74$31,679,546$0$0$22,986,602
75$34,704,447$0$0$25,184,954
76$38,031,386$0$0$27,602,930
77$41,690,965$0$0$30,262,786
78$45,716,904$0$0$33,189,045
79$50,146,352$0$0$36,408,726
80$55,020,243$0$0$39,951,597
81$60,383,678$0$0$43,850,461
82$66,286,352$0$0$48,141,458
83$72,783,021$0$0$52,864,412
84$79,934,016$0$0$58,063,202
85$87,805,817$0$0$63,786,176
86$96,471,676$0$0$70,086,611
87$106,012,307$0$0$77,023,209
88$116,516,649$0$0$84,660,655
89$128,082,703$0$0$93,070,223
90$140,818,457$0$0$102,330,455
91$154,842,904$0$0$112,527,893
92$170,287,166$0$0$123,757,901
93$187,295,726$0$0$136,125,563
94$206,027,796$0$0$149,746,674
95$226,658,816$0$0$164,748,832
96$249,382,111$0$0$181,272,641
97$274,410,710$0$0$199,473,042
98$301,979,363$0$0$219,520,766
99$332,346,749$0$0$241,603,955
100$365,797,921$0$0$265,929,930