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

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 $1,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$113,959$112,944$111,954$110,987$110,043$106,563
2 years$56,415$55,365$54,346$53,359$52,401$48,927
3 years$37,237$36,181$35,166$34,188$33,246$29,886
4 years$27,649$26,597$25,592$24,630$23,711$20,491
5 years$21,898$20,853$19,860$18,918$18,025$14,954
6 years$18,065$17,028$16,050$15,129$14,262$11,343
7 years$15,329$14,300$13,338$12,439$11,599$8,831
8 years$13,277$12,258$11,311$10,434$9,623$7,004
9 years$11,683$10,672$9,742$8,888$8,104$5,631
10 years$10,407$9,407$8,494$7,661$6,905$4,575
11 years$9,365$8,375$7,478$6,668$5,938$3,747
12 years$8,497$7,517$6,636$5,848$5,146$3,089
13 years$7,763$6,793$5,929$5,163$4,487$2,559
14 years$7,134$6,175$5,327$4,583$3,934$2,129
15 years$6,590$5,641$4,810$4,088$3,463$1,777
16 years$6,114$5,175$4,361$3,660$3,061$1,488
17 years$5,695$4,766$3,968$3,288$2,714$1,248
18 years$5,322$4,404$3,622$2,964$2,413$1,049
19 years$4,989$4,082$3,316$2,678$2,151$883
20 years$4,690$3,793$3,043$2,425$1,921$744
21 years$4,420$3,533$2,799$2,201$1,719$628
22 years$4,174$3,298$2,580$2,001$1,541$531
23 years$3,951$3,084$2,382$1,823$1,383$449
24 years$3,746$2,890$2,203$1,662$1,243$379
25 years$3,558$2,712$2,041$1,518$1,119$321
26 years$3,384$2,549$1,893$1,388$1,008$272
27 years$3,224$2,399$1,757$1,271$909$230
28 years$3,076$2,260$1,634$1,164$820$195
29 years$2,938$2,132$1,520$1,068$740$165
30 years$2,809$2,014$1,416$980$669$140
31 years$2,689$1,904$1,320$900$605$119
32 years$2,577$1,801$1,232$827$547$101
33 years$2,471$1,706$1,150$760$495$86
34 years$2,372$1,617$1,075$700$448$73
35 years$2,279$1,533$1,005$644$406$62
36 years$2,192$1,455$940$593$368$52
37 years$2,109$1,382$880$547$333$44
38 years$2,031$1,314$824$504$302$38
39 years$1,957$1,249$772$464$274$32
40 years$1,887$1,189$723$428$249$27
41 years$1,820$1,131$678$395$226$23
42 years$1,757$1,078$636$365$205$20
43 years$1,697$1,027$597$337$186$17
44 years$1,640$979$560$311$169$14
45 years$1,585$933$526$287$153$12
46 years$1,533$890$494$265$139$10
47 years$1,484$850$464$245$126$9
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 $3,381 every year, while hoping to spend $44,421 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: 85/6/9 Blend
34$1,380,000$1,380,000$1,380,000$1,380,000
35$1,524,248$1,451,108$1,429,718$1,651,757
36$1,632,457$1,474,948$1,430,349$1,759,379
37$1,750,215$1,498,468$1,429,514$1,871,224
38$1,878,449$1,521,605$1,427,114$1,992,716
39$2,018,179$1,544,292$1,423,050$2,124,797
40$2,170,527$1,566,456$1,417,217$2,268,505
41$2,336,729$1,588,020$1,409,502$2,424,983
42$2,518,145$1,608,903$1,399,790$2,595,487
43$2,716,273$1,629,016$1,387,959$2,781,405
44$2,932,759$1,648,265$1,373,883$2,984,262
45$3,169,420$1,666,548$1,357,427$3,205,738
46$3,428,251$1,683,760$1,338,451$3,447,686
47$3,711,453$1,699,784$1,316,809$3,712,145
48$4,021,447$1,714,500$1,292,349$4,001,362
49$4,360,901$1,727,777$1,264,909$4,317,812
50$4,732,751$1,739,476$1,234,321$4,664,221
51$5,140,232$1,749,450$1,200,411$5,043,595
52$5,586,905$1,757,542$1,162,994$5,459,242
53$6,076,693$1,763,586$1,121,878$5,914,809
54$6,613,917$1,767,403$1,076,862$6,414,313
55$7,203,335$1,768,805$1,027,737$6,962,182
56$7,850,191$1,767,592$974,281$7,563,292
57$8,560,258$1,763,551$916,267$8,223,018
58$9,339,896$1,756,457$853,454$8,947,280
59$10,196,112$1,746,070$785,591$9,742,604
60$11,136,623$1,732,135$712,416$10,616,179
61$12,169,933$1,714,384$633,656$11,575,928
62$13,305,407$1,692,530$549,025$12,630,579
63$14,553,365$1,666,271$458,224$13,789,751
64$15,925,176$1,635,285$360,941$15,064,046
65$17,433,363$1,599,233$256,852$16,465,143
66$19,091,725$1,557,755$145,616$18,005,913
67$20,915,466$1,510,469$26,878$19,700,540
68$22,921,334$1,456,973$0$21,564,653
69$25,127,784$1,396,839$0$23,625,065
70$27,555,149$1,329,615$0$25,894,545
71$30,225,832$1,254,823$0$28,391,465
72$33,164,516$1,171,959$0$31,138,913
73$36,398,398$1,080,487$0$34,162,332
74$39,957,447$979,843$0$37,489,757
75$43,874,680$869,429$0$41,152,078
76$48,186,481$748,614$0$45,183,336
77$52,932,938$616,732$0$49,621,040
78$58,158,224$473,078$0$54,506,521
79$63,911,012$316,908$0$59,885,326
80$70,244,934$147,436$0$65,807,643
81$77,219,090$0$0$72,328,776
82$84,898,598$0$0$79,512,056
83$93,355,215$0$0$87,432,977
84$102,668,012$0$0$96,155,869
85$112,924,116$0$0$105,762,345
86$124,219,538$0$0$116,342,336
87$136,660,074$0$0$127,994,942
88$150,362,305$0$0$140,829,362
89$165,454,694$0$0$154,965,930
90$182,078,802$0$0$170,537,246
91$200,390,624$0$0$187,689,426
92$220,562,054$0$0$206,583,486
93$242,782,516$0$0$227,396,857
94$267,260,743$0$0$250,325,060
95$294,226,753$0$0$275,583,552
96$323,934,017$0$0$303,409,759
97$356,661,850$0$0$334,065,314
98$392,718,048$0$0$367,838,530
99$432,441,795$0$0$405,047,119
100$476,206,859$0$0$446,041,190