Can I retire at age 35 with 1,400,000?

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 $1,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$115,611$114,581$113,576$112,596$111,638$107,720
2 years$57,233$56,167$55,134$54,132$53,161$49,255
3 years$37,776$36,706$35,675$34,683$33,727$29,956
4 years$28,050$26,983$25,963$24,987$24,055$20,446
5 years$22,216$21,155$20,148$19,193$18,286$14,851
6 years$18,327$17,274$16,283$15,349$14,469$11,209
7 years$15,551$14,507$13,531$12,619$11,767$8,682
8 years$13,470$12,435$11,475$10,586$9,762$6,849
9 years$11,852$10,827$9,884$9,017$8,221$5,477
10 years$10,558$9,544$8,617$7,772$7,005$4,425
11 years$9,501$8,496$7,586$6,764$6,024$3,603
12 years$8,620$7,626$6,732$5,933$5,221$2,952
13 years$7,875$6,891$6,015$5,238$4,552$2,431
14 years$7,237$6,264$5,405$4,650$3,991$2,010
15 years$6,685$5,722$4,880$4,147$3,514$1,667
16 years$6,203$5,250$4,424$3,713$3,105$1,386
17 years$5,777$4,835$4,026$3,336$2,753$1,155
18 years$5,399$4,468$3,675$3,007$2,448$965
19 years$5,062$4,141$3,364$2,717$2,182$807
20 years$4,758$3,848$3,088$2,460$1,949$675
21 years$4,484$3,584$2,840$2,233$1,744$566
22 years$4,235$3,346$2,617$2,030$1,563$475
23 years$4,008$3,129$2,417$1,849$1,403$398
24 years$3,800$2,932$2,235$1,686$1,261$335
25 years$3,609$2,751$2,070$1,540$1,135$281
26 years$3,434$2,586$1,920$1,408$1,022$236
27 years$3,271$2,434$1,783$1,289$922$199
28 years$3,120$2,293$1,657$1,181$832$167
29 years$2,980$2,163$1,542$1,083$751$141
30 years$2,850$2,043$1,437$994$679$118
31 years$2,728$1,931$1,339$913$614$100
32 years$2,614$1,827$1,250$839$555$84
33 years$2,507$1,731$1,167$771$502$71
34 years$2,407$1,640$1,090$710$455$59
35 years$2,312$1,556$1,019$653$412$50
36 years$2,224$1,477$953$602$373$42
37 years$2,140$1,402$892$554$338$35
38 years$2,060$1,333$836$511$307$30
39 years$1,985$1,267$783$471$278$25
40 years$1,914$1,206$734$435$252$21
41 years$1,847$1,148$688$401$229$18
42 years$1,782$1,093$646$370$208$15
43 years$1,721$1,042$606$342$188$13
44 years$1,663$993$569$315$171$11
45 years$1,608$947$534$291$155$9
46 years$1,555$903$501$269$141$8
47 years$1,505$862$471$249$128$6
48 years$1,457$823$443$230$116$5
49 years$1,411$786$416$212$106$5
50 years$1,367$751$391$196$96$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,400,000, adding $2,287 every year, while hoping to spend $29,568 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: 79/15/6 Blend
34$1,400,000$1,400,000$1,400,000$1,400,000
35$1,545,159$1,470,959$1,449,259$1,666,296
36$1,671,305$1,511,576$1,466,349$1,786,609
37$1,809,327$1,553,192$1,483,021$1,914,440
38$1,960,405$1,595,825$1,499,229$2,053,770
39$2,125,839$1,639,493$1,514,925$2,205,733
40$2,307,059$1,684,213$1,530,060$2,371,572
41$2,505,642$1,730,002$1,544,579$2,552,661
42$2,723,323$1,776,877$1,558,428$2,750,508
43$2,962,014$1,824,856$1,571,547$2,966,778
44$3,223,819$1,873,955$1,583,875$3,203,302
45$3,511,060$1,924,189$1,595,345$3,462,097
46$3,826,288$1,975,575$1,605,890$3,745,386
47$4,172,319$2,028,127$1,615,436$4,055,616
48$4,552,250$2,081,860$1,623,908$4,395,483
49$4,969,497$2,136,789$1,631,227$4,767,956
50$5,427,820$2,192,926$1,637,307$5,176,306
51$5,931,362$2,250,284$1,642,061$5,624,137
52$6,484,688$2,308,874$1,645,397$6,115,419
53$7,092,825$2,368,708$1,647,217$6,654,525
54$7,761,313$2,429,794$1,647,418$7,246,273
55$8,496,254$2,492,142$1,645,894$7,895,970
56$9,304,374$2,555,758$1,642,533$8,609,465
57$10,193,079$2,620,649$1,637,217$9,393,201
58$11,170,531$2,686,819$1,629,822$10,254,275
59$12,245,722$2,754,271$1,620,218$11,200,510
60$13,428,561$2,823,005$1,608,271$12,240,522
61$14,729,963$2,893,021$1,593,836$13,383,806
62$16,161,956$2,964,316$1,576,767$14,640,824
63$17,737,793$3,036,885$1,556,906$16,023,103
64$19,472,076$3,110,721$1,534,091$17,543,344
65$21,380,895$3,185,812$1,508,149$19,215,543
66$23,481,976$3,262,148$1,478,903$21,055,119
67$25,794,856$3,339,711$1,446,163$23,079,066
68$28,341,057$3,418,482$1,409,736$25,306,107
69$31,144,297$3,498,440$1,369,414$27,756,873
70$34,230,709$3,579,558$1,324,984$30,454,099
71$37,629,092$3,661,806$1,276,221$33,422,836
72$41,371,175$3,745,150$1,222,890$36,690,690
73$45,491,923$3,829,552$1,164,746$40,288,078
74$50,029,866$3,914,967$1,101,532$44,248,522
75$55,027,459$4,001,347$1,032,979$48,608,957
76$60,531,485$4,088,638$958,809$53,410,086
77$66,593,495$4,176,779$878,728$58,696,762
78$73,270,296$4,265,706$792,429$64,518,411
79$80,624,484$4,355,344$699,594$70,929,496
80$88,725,039$4,445,613$599,888$77,990,037
81$97,647,972$4,536,427$492,963$85,766,172
82$107,477,043$4,627,690$378,455$94,330,784
83$118,304,552$4,719,297$255,984$103,764,187
84$130,232,210$4,811,136$125,153$114,154,889
85$143,372,097$4,903,084$0$125,600,418
86$157,847,724$4,995,007$0$138,209,178
87$173,795,192$5,086,763$0$152,107,293
88$191,364,482$5,178,195$0$167,417,287
89$210,720,868$5,269,135$0$184,283,018
90$232,046,478$5,359,404$0$202,863,015
91$255,542,011$5,448,807$0$223,331,971
92$281,428,631$5,537,134$0$245,882,396
93$309,950,060$5,624,162$0$270,726,432
94$341,374,869$5,709,649$0$298,097,856
95$375,999,020$5,793,336$0$328,254,285
96$414,148,658$5,874,948$0$361,479,611
97$456,183,188$5,954,187$0$398,086,678
98$502,498,668$6,030,737$0$438,420,237
99$553,531,548$6,104,258$0$482,860,200
100$609,762,789$6,174,390$0$531,825,224