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%14.4%
1 years$115,611$114,581$113,576$112,596$111,638$109,608
2 years$57,233$56,167$55,134$54,132$53,161$51,123
3 years$37,776$36,706$35,675$34,683$33,727$31,745
4 years$28,050$26,983$25,963$24,987$24,055$22,143
5 years$22,216$21,155$20,148$19,193$18,286$16,451
6 years$18,327$17,274$16,283$15,349$14,469$12,712
7 years$15,551$14,507$13,531$12,619$11,767$10,089
8 years$13,470$12,435$11,475$10,586$9,762$8,163
9 years$11,852$10,827$9,884$9,017$8,221$6,699
10 years$10,558$9,544$8,617$7,772$7,005$5,559
11 years$9,501$8,496$7,586$6,764$6,024$4,653
12 years$8,620$7,626$6,732$5,933$5,221$3,922
13 years$7,875$6,891$6,015$5,238$4,552$3,324
14 years$7,237$6,264$5,405$4,650$3,991$2,831
15 years$6,685$5,722$4,880$4,147$3,514$2,420
16 years$6,203$5,250$4,424$3,713$3,105$2,075
17 years$5,777$4,835$4,026$3,336$2,753$1,784
18 years$5,399$4,468$3,675$3,007$2,448$1,538
19 years$5,062$4,141$3,364$2,717$2,182$1,328
20 years$4,758$3,848$3,088$2,460$1,949$1,149
21 years$4,484$3,584$2,840$2,233$1,744$995
22 years$4,235$3,346$2,617$2,030$1,563$863
23 years$4,008$3,129$2,417$1,849$1,403$749
24 years$3,800$2,932$2,235$1,686$1,261$651
25 years$3,609$2,751$2,070$1,540$1,135$566
26 years$3,434$2,586$1,920$1,408$1,022$493
27 years$3,271$2,434$1,783$1,289$922$429
28 years$3,120$2,293$1,657$1,181$832$374
29 years$2,980$2,163$1,542$1,083$751$326
30 years$2,850$2,043$1,437$994$679$284
31 years$2,728$1,931$1,339$913$614$248
32 years$2,614$1,827$1,250$839$555$216
33 years$2,507$1,731$1,167$771$502$188
34 years$2,407$1,640$1,090$710$455$165
35 years$2,312$1,556$1,019$653$412$144
36 years$2,224$1,477$953$602$373$125
37 years$2,140$1,402$892$554$338$110
38 years$2,060$1,333$836$511$307$96
39 years$1,985$1,267$783$471$278$84
40 years$1,914$1,206$734$435$252$73
41 years$1,847$1,148$688$401$229$64
42 years$1,782$1,093$646$370$208$56
43 years$1,721$1,042$606$342$188$49
44 years$1,663$993$569$315$171$43
45 years$1,608$947$534$291$155$37
46 years$1,555$903$501$269$141$32
47 years$1,505$862$471$249$128$28
48 years$1,457$823$443$230$116$25
49 years$1,411$786$416$212$106$22
50 years$1,367$751$391$196$96$19

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 $4,432 every year, while hoping to spend $43,643 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: 78/13/9 Blend
34$1,400,000$1,400,000$1,400,000$1,400,000
35$1,547,372$1,473,172$1,451,472$1,665,557
36$1,658,768$1,498,921$1,453,660$1,769,561
37$1,780,063$1,524,470$1,454,459$1,877,510
38$1,912,223$1,549,761$1,453,776$1,994,629
39$2,056,306$1,574,736$1,451,514$2,121,810
40$2,213,480$1,599,329$1,447,571$2,260,041
41$2,385,030$1,623,471$1,441,839$2,410,405
42$2,572,370$1,647,088$1,434,208$2,574,097
43$2,777,056$1,670,101$1,424,559$2,752,435
44$3,000,804$1,692,423$1,412,769$2,946,869
45$3,245,499$1,713,965$1,398,710$3,158,996
46$3,513,219$1,734,629$1,382,246$3,390,576
47$3,806,252$1,754,310$1,363,236$3,643,548
48$4,127,117$1,772,899$1,341,532$3,920,050
49$4,478,588$1,790,276$1,316,978$4,222,435
50$4,863,720$1,806,316$1,289,413$4,553,297
51$5,285,878$1,820,883$1,258,667$4,915,495
52$5,748,766$1,833,835$1,224,561$5,312,176
53$6,256,467$1,845,019$1,186,910$5,746,812
54$6,813,474$1,854,273$1,145,519$6,223,226
55$7,424,740$1,861,424$1,100,186$6,745,631
56$8,095,719$1,866,289$1,050,697$7,318,672
57$8,832,417$1,868,672$996,830$7,947,465
58$9,641,453$1,868,366$938,353$8,637,649
59$10,530,117$1,865,152$875,024$9,395,437
60$11,506,439$1,858,795$806,588$10,227,678
61$12,579,267$1,849,047$732,780$11,141,917
62$13,758,348$1,835,646$653,323$12,146,472
63$15,054,418$1,818,311$567,929$13,250,507
64$16,479,309$1,796,748$476,294$14,464,122
65$18,046,052$1,770,643$378,104$15,798,449
66$19,769,008$1,739,663$273,029$17,265,755
67$21,663,996$1,703,456$160,725$18,879,557
68$23,748,448$1,661,649$40,833$20,654,755
69$26,041,567$1,613,848$0$22,607,769
70$28,564,514$1,559,633$0$24,765,058
71$31,340,603$1,498,564$0$27,142,928
72$34,395,522$1,430,171$0$29,759,470
73$37,757,575$1,353,959$0$32,638,945
74$41,457,949$1,269,405$0$35,808,089
75$45,531,009$1,175,954$0$39,296,365
76$50,014,617$1,073,022$0$43,136,239
77$54,950,496$959,988$0$47,363,488
78$60,384,618$836,198$0$52,017,539
79$66,367,639$700,962$0$57,141,841
80$72,955,378$553,549$0$62,784,272
81$80,209,341$393,187$0$68,997,597
82$88,197,302$219,062$0$75,839,959
83$96,993,943$30,312$0$83,375,436
84$106,681,558$0$0$91,674,638
85$117,350,828$0$0$100,840,270
86$129,101,678$0$0$110,939,891
87$142,044,218$0$0$122,063,812
88$156,299,783$0$0$134,316,327
89$172,002,078$0$0$147,812,361
90$189,298,439$0$0$162,678,558
91$208,351,221$0$0$179,054,471
92$229,339,333$0$0$197,093,881
93$252,459,926$0$0$216,966,252
94$277,930,251$0$0$238,858,321
95$305,989,710$0$0$262,975,868
96$336,902,118$0$0$289,545,657
97$370,958,187$0$0$318,817,571
98$408,478,274$0$0$351,066,975
99$449,815,405$0$0$386,597,314
100$495,358,601$0$0$425,742,974