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

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 $1,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$115,611$114,581$113,576$112,596$111,638$108,456
2 years$57,233$56,167$55,134$54,132$53,161$49,980
3 years$37,776$36,706$35,675$34,683$33,727$30,647
4 years$28,050$26,983$25,963$24,987$24,055$21,098
5 years$22,216$21,155$20,148$19,193$18,286$15,462
6 years$18,327$17,274$16,283$15,349$14,469$11,780
7 years$15,551$14,507$13,531$12,619$11,767$9,213
8 years$13,470$12,435$11,475$10,586$9,762$7,341
9 years$11,852$10,827$9,884$9,017$8,221$5,931
10 years$10,558$9,544$8,617$7,772$7,005$4,843
11 years$9,501$8,496$7,586$6,764$6,024$3,987
12 years$8,620$7,626$6,732$5,933$5,221$3,304
13 years$7,875$6,891$6,015$5,238$4,552$2,752
14 years$7,237$6,264$5,405$4,650$3,991$2,303
15 years$6,685$5,722$4,880$4,147$3,514$1,933
16 years$6,203$5,250$4,424$3,713$3,105$1,627
17 years$5,777$4,835$4,026$3,336$2,753$1,373
18 years$5,399$4,468$3,675$3,007$2,448$1,161
19 years$5,062$4,141$3,364$2,717$2,182$983
20 years$4,758$3,848$3,088$2,460$1,949$834
21 years$4,484$3,584$2,840$2,233$1,744$708
22 years$4,235$3,346$2,617$2,030$1,563$602
23 years$4,008$3,129$2,417$1,849$1,403$512
24 years$3,800$2,932$2,235$1,686$1,261$436
25 years$3,609$2,751$2,070$1,540$1,135$371
26 years$3,434$2,586$1,920$1,408$1,022$316
27 years$3,271$2,434$1,783$1,289$922$270
28 years$3,120$2,293$1,657$1,181$832$230
29 years$2,980$2,163$1,542$1,083$751$196
30 years$2,850$2,043$1,437$994$679$168
31 years$2,728$1,931$1,339$913$614$143
32 years$2,614$1,827$1,250$839$555$122
33 years$2,507$1,731$1,167$771$502$104
34 years$2,407$1,640$1,090$710$455$89
35 years$2,312$1,556$1,019$653$412$76
36 years$2,224$1,477$953$602$373$65
37 years$2,140$1,402$892$554$338$55
38 years$2,060$1,333$836$511$307$47
39 years$1,985$1,267$783$471$278$40
40 years$1,914$1,206$734$435$252$35
41 years$1,847$1,148$688$401$229$30
42 years$1,782$1,093$646$370$208$25
43 years$1,721$1,042$606$342$188$22
44 years$1,663$993$569$315$171$18
45 years$1,608$947$534$291$155$16
46 years$1,555$903$501$269$141$13
47 years$1,505$862$471$249$128$12
48 years$1,457$823$443$230$116$10
49 years$1,411$786$416$212$106$8
50 years$1,367$751$391$196$96$7

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 $5,462 every year, while hoping to spend $54,629 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: 68/23/9 Blend
34$1,400,000$1,400,000$1,400,000$1,400,000
35$1,548,434$1,474,234$1,452,534$1,650,659
36$1,648,249$1,488,347$1,443,069$1,733,315
37$1,756,415$1,501,320$1,431,456$1,816,573
38$1,873,725$1,513,040$1,417,566$1,906,174
39$2,001,053$1,523,387$1,401,262$2,002,731
40$2,139,358$1,532,231$1,382,402$2,106,919
41$2,289,698$1,539,435$1,360,838$2,219,483
42$2,453,234$1,544,855$1,336,413$2,341,246
43$2,631,246$1,548,335$1,308,965$2,473,111
44$2,825,140$1,549,710$1,278,322$2,616,080
45$3,036,465$1,548,806$1,244,306$2,771,252
46$3,266,924$1,545,438$1,206,730$2,939,844
47$3,518,394$1,539,408$1,165,399$3,123,195
48$3,792,938$1,530,507$1,120,108$3,322,782
49$4,092,829$1,518,513$1,070,643$3,540,236
50$4,420,569$1,503,191$1,016,781$3,777,354
51$4,778,912$1,484,293$958,288$4,036,118
52$5,170,891$1,461,552$894,920$4,318,714
53$5,599,844$1,434,691$826,422$4,627,554
54$6,069,448$1,403,411$752,528$4,965,295
55$6,583,752$1,367,398$672,958$5,334,872
56$7,147,214$1,326,320$587,421$5,739,517
57$7,764,746$1,279,825$495,615$6,182,798
58$8,441,753$1,227,540$397,222$6,668,647
59$9,184,193$1,169,071$291,910$7,201,402
60$9,998,625$1,104,000$179,333$7,785,847
61$10,892,275$1,031,886$59,131$8,427,255
62$11,873,102$952,263$0$9,131,445
63$12,949,872$864,638$0$9,911,469
64$14,132,243$768,489$0$10,774,253
65$15,430,853$663,266$0$11,721,951
66$16,857,420$548,386$0$12,763,204
67$18,424,854$423,234$0$13,907,538
68$20,147,378$287,161$0$15,165,453
69$22,040,660$139,481$0$16,548,526
70$24,121,961$0$0$18,069,516
71$26,410,300$0$0$19,747,687
72$28,926,627$0$0$21,631,963
73$31,694,029$0$0$23,704,341
74$34,737,937$0$0$25,983,879
75$38,086,374$0$0$28,491,572
76$41,770,214$0$0$31,250,556
77$45,823,475$0$0$34,286,322
78$50,283,639$0$0$37,626,953
79$55,192,004$0$0$41,303,398
80$60,594,075$0$0$45,349,752
81$66,539,990$0$0$49,803,586
82$73,084,996$0$0$54,706,299
83$80,289,967$0$0$60,103,505
84$88,221,980$0$0$66,045,467
85$96,954,945$0$0$72,587,568
86$106,570,303$0$0$79,790,835
87$117,157,796$0$0$87,722,515
88$128,816,308$0$0$96,456,706
89$141,654,804$0$0$106,075,060
90$155,793,352$0$0$116,667,547
91$171,364,260$0$0$128,333,313
92$188,513,319$0$0$141,181,606
93$207,401,185$0$0$155,332,811
94$228,204,888$0$0$170,919,585
95$251,119,505$0$0$188,088,110
96$276,360,000$0$0$206,999,467
97$304,163,256$0$0$227,831,164
98$334,790,300$0$0$250,778,803
99$368,528,779$0$0$276,057,931
100$405,695,664$0$0$303,906,069