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%13.9%
1 years$113,959$112,944$111,954$110,987$110,043$108,265
2 years$56,415$55,365$54,346$53,359$52,401$50,615
3 years$37,237$36,181$35,166$34,188$33,246$31,506
4 years$27,649$26,597$25,592$24,630$23,711$22,032
5 years$21,898$20,853$19,860$18,918$18,025$16,411
6 years$18,065$17,028$16,050$15,129$14,262$12,716
7 years$15,329$14,300$13,338$12,439$11,599$10,121
8 years$13,277$12,258$11,311$10,434$9,623$8,212
9 years$11,683$10,672$9,742$8,888$8,104$6,759
10 years$10,407$9,407$8,494$7,661$6,905$5,626
11 years$9,365$8,375$7,478$6,668$5,938$4,724
12 years$8,497$7,517$6,636$5,848$5,146$3,994
13 years$7,763$6,793$5,929$5,163$4,487$3,397
14 years$7,134$6,175$5,327$4,583$3,934$2,902
15 years$6,590$5,641$4,810$4,088$3,463$2,490
16 years$6,114$5,175$4,361$3,660$3,061$2,143
17 years$5,695$4,766$3,968$3,288$2,714$1,849
18 years$5,322$4,404$3,622$2,964$2,413$1,599
19 years$4,989$4,082$3,316$2,678$2,151$1,386
20 years$4,690$3,793$3,043$2,425$1,921$1,203
21 years$4,420$3,533$2,799$2,201$1,719$1,046
22 years$4,174$3,298$2,580$2,001$1,541$911
23 years$3,951$3,084$2,382$1,823$1,383$794
24 years$3,746$2,890$2,203$1,662$1,243$693
25 years$3,558$2,712$2,041$1,518$1,119$605
26 years$3,384$2,549$1,893$1,388$1,008$528
27 years$3,224$2,399$1,757$1,271$909$462
28 years$3,076$2,260$1,634$1,164$820$404
29 years$2,938$2,132$1,520$1,068$740$354
30 years$2,809$2,014$1,416$980$669$309
31 years$2,689$1,904$1,320$900$605$271
32 years$2,577$1,801$1,232$827$547$237
33 years$2,471$1,706$1,150$760$495$208
34 years$2,372$1,617$1,075$700$448$182
35 years$2,279$1,533$1,005$644$406$160
36 years$2,192$1,455$940$593$368$140
37 years$2,109$1,382$880$547$333$123
38 years$2,031$1,314$824$504$302$108
39 years$1,957$1,249$772$464$274$95
40 years$1,887$1,189$723$428$249$83
41 years$1,820$1,131$678$395$226$73
42 years$1,757$1,078$636$365$205$64
43 years$1,697$1,027$597$337$186$56
44 years$1,640$979$560$311$169$49
45 years$1,585$933$526$287$153$43
46 years$1,533$890$494$265$139$38
47 years$1,484$850$464$245$126$33
48 years$1,436$811$436$226$115$29
49 years$1,391$774$410$209$104$26
50 years$1,347$740$386$193$95$22

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 $5,426 every year, while hoping to spend $56,063 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: 26/44/30 Blend
34$1,380,000$1,380,000$1,380,000$1,380,000
35$1,526,357$1,453,217$1,431,827$1,551,691
36$1,622,395$1,464,774$1,420,143$1,584,712
37$1,726,349$1,475,018$1,406,188$1,615,008
38$1,838,969$1,483,826$1,389,827$1,646,382
39$1,961,077$1,491,067$1,370,919$1,678,964
40$2,093,578$1,496,600$1,349,316$1,712,903
41$2,237,466$1,500,277$1,324,862$1,748,369
42$2,393,837$1,501,940$1,297,394$1,785,551
43$2,563,895$1,501,421$1,266,743$1,824,665
44$2,748,964$1,498,542$1,232,730$1,865,952
45$2,950,501$1,493,114$1,195,170$1,909,686
46$3,170,112$1,484,936$1,153,868$1,956,173
47$3,409,561$1,473,796$1,108,620$2,005,757
48$3,670,790$1,459,466$1,059,213$2,058,826
49$3,955,939$1,441,708$1,005,424$2,115,811
50$4,267,361$1,420,267$947,022$2,177,200
51$4,607,647$1,394,876$883,763$2,243,534
52$4,979,650$1,365,248$815,392$2,315,421
53$5,386,511$1,331,082$741,645$2,393,539
54$5,831,689$1,292,059$662,244$2,478,647
55$6,318,991$1,247,840$576,899$2,571,589
56$6,852,611$1,198,067$485,307$2,673,307
57$7,437,166$1,142,361$387,154$2,784,853
58$8,077,742$1,080,321$282,108$2,907,396
59$8,779,939$1,011,524$169,826$3,042,238
60$9,549,926$935,522$49,948$3,190,830
61$10,394,495$851,840$0$3,354,782
62$11,321,131$759,977$0$3,560,848
63$12,338,076$659,405$0$3,804,743
64$13,454,407$549,564$0$4,072,802
65$14,680,127$429,862$0$4,367,618
66$16,026,251$299,677$0$4,692,058
67$17,504,916$158,348$0$5,049,293
68$19,129,490$5,180$0$5,442,831
69$20,914,701$0$0$5,876,553
70$22,876,775$0$0$6,432,488
71$25,033,587$0$0$7,046,609
72$27,404,830$0$0$7,722,048
73$30,012,201$0$0$8,465,018
74$32,879,605$0$0$9,282,363
75$36,033,377$0$0$10,181,625
76$39,502,536$0$0$11,171,115
77$43,319,053$0$0$12,259,988
78$47,518,153$0$0$13,458,333
79$52,138,649$0$0$14,777,265
80$57,223,305$0$0$16,229,034
81$62,819,241$0$0$17,827,134
82$68,978,376$0$0$19,586,436
83$75,757,918$0$0$21,523,327
84$83,220,901$0$0$23,655,862
85$91,436,782$0$0$26,003,936
86$100,482,094$0$0$28,589,471
87$110,441,169$0$0$31,436,624
88$121,406,931$0$0$34,572,015
89$133,481,775$0$0$38,024,974
90$146,778,531$0$0$41,827,823
91$161,421,526$0$0$46,016,178
92$177,547,762$0$0$50,629,287
93$195,308,204$0$0$55,710,395
94$214,869,203$0$0$61,307,159
95$236,414,070$0$0$67,472,093
96$260,144,802$0$0$74,263,067
97$286,283,988$0$0$81,743,848
98$315,076,911$0$0$89,984,705
99$346,793,858$0$0$99,063,074
100$381,732,676$0$0$109,064,285