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%19.4%
1 years$115,611$114,581$113,576$112,596$111,638$107,421
2 years$57,233$56,167$55,134$54,132$53,161$48,961
3 years$37,776$36,706$35,675$34,683$33,727$29,677
4 years$28,050$26,983$25,963$24,987$24,055$20,185
5 years$22,216$21,155$20,148$19,193$18,286$14,607
6 years$18,327$17,274$16,283$15,349$14,469$10,983
7 years$15,551$14,507$13,531$12,619$11,767$8,473
8 years$13,470$12,435$11,475$10,586$9,762$6,656
9 years$11,852$10,827$9,884$9,017$8,221$5,300
10 years$10,558$9,544$8,617$7,772$7,005$4,263
11 years$9,501$8,496$7,586$6,764$6,024$3,455
12 years$8,620$7,626$6,732$5,933$5,221$2,818
13 years$7,875$6,891$6,015$5,238$4,552$2,309
14 years$7,237$6,264$5,405$4,650$3,991$1,900
15 years$6,685$5,722$4,880$4,147$3,514$1,568
16 years$6,203$5,250$4,424$3,713$3,105$1,297
17 years$5,777$4,835$4,026$3,336$2,753$1,076
18 years$5,399$4,468$3,675$3,007$2,448$893
19 years$5,062$4,141$3,364$2,717$2,182$743
20 years$4,758$3,848$3,088$2,460$1,949$619
21 years$4,484$3,584$2,840$2,233$1,744$516
22 years$4,235$3,346$2,617$2,030$1,563$430
23 years$4,008$3,129$2,417$1,849$1,403$359
24 years$3,800$2,932$2,235$1,686$1,261$300
25 years$3,609$2,751$2,070$1,540$1,135$251
26 years$3,434$2,586$1,920$1,408$1,022$209
27 years$3,271$2,434$1,783$1,289$922$175
28 years$3,120$2,293$1,657$1,181$832$146
29 years$2,980$2,163$1,542$1,083$751$123
30 years$2,850$2,043$1,437$994$679$103
31 years$2,728$1,931$1,339$913$614$86
32 years$2,614$1,827$1,250$839$555$72
33 years$2,507$1,731$1,167$771$502$60
34 years$2,407$1,640$1,090$710$455$50
35 years$2,312$1,556$1,019$653$412$42
36 years$2,224$1,477$953$602$373$35
37 years$2,140$1,402$892$554$338$30
38 years$2,060$1,333$836$511$307$25
39 years$1,985$1,267$783$471$278$21
40 years$1,914$1,206$734$435$252$17
41 years$1,847$1,148$688$401$229$15
42 years$1,782$1,093$646$370$208$12
43 years$1,721$1,042$606$342$188$10
44 years$1,663$993$569$315$171$9
45 years$1,608$947$534$291$155$7
46 years$1,555$903$501$269$141$6
47 years$1,505$862$471$249$128$5
48 years$1,457$823$443$230$116$4
49 years$1,411$786$416$212$106$4
50 years$1,367$751$391$196$96$3

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 $2,933 every year, while hoping to spend $20,723 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: 61/31/8 Blend
34$1,400,000$1,400,000$1,400,000$1,400,000
35$1,545,825$1,471,625$1,449,925$1,637,330
36$1,681,450$1,521,686$1,476,449$1,748,980
37$1,830,215$1,573,505$1,503,166$1,868,098
38$1,993,437$1,627,147$1,530,062$1,997,544
39$2,172,568$1,682,678$1,557,120$2,138,314
40$2,369,209$1,740,167$1,584,322$2,291,505
41$2,585,120$1,799,688$1,611,649$2,458,323
42$2,822,244$1,861,314$1,639,081$2,640,096
43$3,082,717$1,925,123$1,666,595$2,838,283
44$3,368,896$1,991,196$1,694,168$3,054,494
45$3,683,375$2,059,616$1,721,774$3,290,496
46$4,029,013$2,130,471$1,749,387$3,548,238
47$4,408,959$2,203,850$1,776,978$3,829,865
48$4,826,682$2,279,848$1,804,516$4,137,736
49$5,286,006$2,358,563$1,831,969$4,474,450
50$5,791,140$2,440,095$1,859,302$4,842,868
51$6,346,727$2,524,549$1,886,479$5,246,141
52$6,957,877$2,612,036$1,913,460$5,687,738
53$7,630,224$2,702,670$1,940,204$6,171,478
54$8,369,973$2,796,567$1,966,668$6,701,569
55$9,183,963$2,893,852$1,992,804$7,282,644
56$10,079,728$2,994,651$2,018,564$7,919,804
57$11,065,570$3,099,098$2,043,895$8,618,670
58$12,150,635$3,207,331$2,068,742$9,385,429
59$13,345,003$3,319,493$2,093,048$10,226,901
60$14,659,779$3,435,734$2,116,751$11,150,593
61$16,107,200$3,556,209$2,139,786$12,164,777
62$17,700,750$3,681,078$2,162,084$13,278,564
63$19,455,286$3,810,511$2,183,574$14,501,990
64$21,387,181$3,944,681$2,204,179$15,846,111
65$23,514,473$4,083,771$2,223,819$17,323,107
66$25,857,042$4,227,968$2,242,409$18,946,394
67$28,436,792$4,377,470$2,259,862$20,730,754
68$31,277,860$4,532,482$2,276,082$22,692,471
69$34,406,843$4,693,215$2,290,972$24,849,486
70$37,853,050$4,859,891$2,304,428$27,221,564
71$41,648,776$5,032,740$2,316,342$29,830,481
72$45,829,609$5,212,003$2,326,597$32,700,228
73$50,434,766$5,397,928$2,335,076$35,857,238
74$55,507,462$5,590,776$2,341,650$39,330,636
75$61,095,315$5,790,816$2,346,187$43,152,510
76$67,250,801$5,998,330$2,348,548$47,358,214
77$74,031,745$6,213,610$2,348,587$51,986,703
78$81,501,869$6,436,963$2,346,150$57,080,898
79$89,731,389$6,668,704$2,341,077$62,688,092
80$98,797,686$6,909,165$2,333,197$68,860,393
81$108,786,026$7,158,691$2,322,336$75,655,218
82$119,790,372$7,417,638$2,308,306$83,135,831
83$131,914,270$7,686,382$2,290,913$91,371,944
84$145,271,821$7,965,310$2,269,954$100,440,368
85$159,988,764$8,254,828$2,245,216$110,425,741
86$176,203,662$8,555,358$2,216,474$121,421,326
87$194,069,204$8,867,339$2,183,494$133,529,890
88$213,753,653$9,191,230$2,146,032$146,864,669
89$235,442,433$9,527,507$2,103,831$161,550,444
90$259,339,873$9,876,667$2,056,622$177,724,710
91$285,671,146$10,239,229$2,004,124$195,538,976
92$314,684,385$10,615,733$1,946,044$215,160,195
93$346,653,029$11,006,741$1,882,074$236,772,336
94$381,878,407$11,412,840$1,811,892$260,578,122
95$420,692,576$11,834,641$1,735,162$286,800,940
96$463,461,461$12,272,782$1,651,533$315,686,951
97$510,588,308$12,727,925$1,560,636$347,507,411
98$562,517,487$13,200,765$1,462,089$382,561,227
99$619,738,691$13,692,023$1,355,490$421,177,784
100$682,791,557$14,202,452$1,240,418$463,720,046