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%18%
1 years$113,959$112,944$111,954$110,987$110,043$106,478
2 years$56,415$55,365$54,346$53,359$52,401$48,843
3 years$37,237$36,181$35,166$34,188$33,246$29,806
4 years$27,649$26,597$25,592$24,630$23,711$20,416
5 years$21,898$20,853$19,860$18,918$18,025$14,883
6 years$18,065$17,028$16,050$15,129$14,262$11,277
7 years$15,329$14,300$13,338$12,439$11,599$8,770
8 years$13,277$12,258$11,311$10,434$9,623$6,947
9 years$11,683$10,672$9,742$8,888$8,104$5,579
10 years$10,407$9,407$8,494$7,661$6,905$4,527
11 years$9,365$8,375$7,478$6,668$5,938$3,703
12 years$8,497$7,517$6,636$5,848$5,146$3,048
13 years$7,763$6,793$5,929$5,163$4,487$2,522
14 years$7,134$6,175$5,327$4,583$3,934$2,095
15 years$6,590$5,641$4,810$4,088$3,463$1,747
16 years$6,114$5,175$4,361$3,660$3,061$1,460
17 years$5,695$4,766$3,968$3,288$2,714$1,223
18 years$5,322$4,404$3,622$2,964$2,413$1,026
19 years$4,989$4,082$3,316$2,678$2,151$863
20 years$4,690$3,793$3,043$2,425$1,921$726
21 years$4,420$3,533$2,799$2,201$1,719$612
22 years$4,174$3,298$2,580$2,001$1,541$516
23 years$3,951$3,084$2,382$1,823$1,383$436
24 years$3,746$2,890$2,203$1,662$1,243$368
25 years$3,558$2,712$2,041$1,518$1,119$311
26 years$3,384$2,549$1,893$1,388$1,008$263
27 years$3,224$2,399$1,757$1,271$909$222
28 years$3,076$2,260$1,634$1,164$820$188
29 years$2,938$2,132$1,520$1,068$740$159
30 years$2,809$2,014$1,416$980$669$135
31 years$2,689$1,904$1,320$900$605$114
32 years$2,577$1,801$1,232$827$547$96
33 years$2,471$1,706$1,150$760$495$82
34 years$2,372$1,617$1,075$700$448$69
35 years$2,279$1,533$1,005$644$406$59
36 years$2,192$1,455$940$593$368$50
37 years$2,109$1,382$880$547$333$42
38 years$2,031$1,314$824$504$302$36
39 years$1,957$1,249$772$464$274$30
40 years$1,887$1,189$723$428$249$26
41 years$1,820$1,131$678$395$226$22
42 years$1,757$1,078$636$365$205$18
43 years$1,697$1,027$597$337$186$16
44 years$1,640$979$560$311$169$13
45 years$1,585$933$526$287$153$11
46 years$1,533$890$494$265$139$9
47 years$1,484$850$464$245$126$8
48 years$1,436$811$436$226$115$7
49 years$1,391$774$410$209$104$6
50 years$1,347$740$386$193$95$5

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 $3,465 every year, while hoping to spend $53,864 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: 66/29/5 Blend
34$1,380,000$1,380,000$1,380,000$1,380,000
35$1,524,334$1,451,194$1,429,804$1,623,734
36$1,622,505$1,464,992$1,420,392$1,703,913
37$1,728,885$1,477,660$1,408,859$1,784,693
38$1,844,253$1,489,087$1,395,077$1,871,521
39$1,969,467$1,499,153$1,378,913$1,964,979
40$2,105,472$1,507,731$1,360,226$2,065,707
41$2,253,306$1,514,686$1,338,870$2,174,412
42$2,414,111$1,519,873$1,314,689$2,291,873
43$2,589,144$1,523,140$1,287,525$2,418,948
44$2,779,787$1,524,324$1,257,207$2,556,587
45$2,987,561$1,523,253$1,223,560$2,705,833
46$3,214,143$1,519,742$1,186,399$2,867,841
47$3,461,373$1,513,598$1,145,531$3,043,880
48$3,731,282$1,504,613$1,100,756$3,235,355
49$4,026,103$1,492,568$1,051,861$3,443,811
50$4,348,293$1,477,232$998,626$3,670,955
51$4,700,560$1,458,358$940,821$3,918,669
52$5,085,884$1,435,684$878,205$4,189,028
53$5,507,545$1,408,933$810,526$4,484,322
54$5,969,157$1,377,813$737,521$4,807,077
55$6,474,699$1,342,014$658,916$5,160,078
56$7,028,551$1,301,206$574,422$5,546,396
57$7,635,540$1,255,041$483,742$5,969,421
58$8,300,979$1,203,152$386,561$6,432,889
59$9,030,721$1,145,149$282,553$6,940,922
60$9,831,212$1,080,619$171,377$7,498,066
61$10,709,554$1,009,127$52,675$8,109,335
62$11,673,566$930,212$0$8,780,258
63$12,731,864$843,387$0$9,520,881
64$13,893,938$748,136$0$10,337,236
65$15,170,241$643,917$0$11,233,948
66$16,572,289$530,152$0$12,219,217
67$18,112,769$406,236$0$13,302,087
68$19,805,657$271,526$0$14,492,526
69$21,666,348$125,346$0$15,801,528
70$23,711,806$0$0$17,241,212
71$25,960,718$0$0$18,835,478
72$28,433,675$0$0$20,632,651
73$31,153,359$0$0$22,609,229
74$34,144,764$0$0$24,783,386
75$37,435,426$0$0$27,175,151
76$41,055,683$0$0$29,806,587
77$45,038,966$0$0$32,702,005
78$49,422,104$0$0$35,888,194
79$54,245,681$0$0$39,394,667
80$59,554,413$0$0$43,253,946
81$65,397,569$0$0$47,501,863
82$71,829,438$0$0$52,177,903
83$78,909,839$0$0$57,325,570
84$86,704,685$0$0$62,992,803
85$95,286,606$0$0$69,232,424
86$104,735,632$0$0$76,102,639
87$115,139,947$0$0$83,667,585
88$126,596,722$0$0$91,997,932
89$139,213,032$0$0$101,171,557
90$153,106,863$0$0$111,274,272
91$168,408,230$0$0$122,400,635
92$185,260,398$0$0$134,654,843
93$203,821,234$0$0$148,151,714
94$224,264,699$0$0$163,017,772
95$246,782,490$0$0$179,392,437
96$271,585,844$0$0$197,429,344
97$298,907,533$0$0$217,297,790
98$329,004,062$0$0$239,184,333
99$362,158,088$0$0$263,294,552
100$398,681,086$0$0$289,854,985