Can I retire at age 35 with 1,410,000?

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 $1,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$116,436$115,399$114,387$113,400$112,435$110,847
2 years$57,642$56,568$55,528$54,519$53,541$51,943
3 years$38,046$36,968$35,930$34,931$33,968$32,412
4 years$28,250$27,175$26,148$25,166$24,227$22,723
5 years$22,374$21,306$20,292$19,330$18,417$16,970
6 years$18,458$17,398$16,399$15,458$14,572$13,185
7 years$15,662$14,611$13,628$12,709$11,851$10,523
8 years$13,566$12,524$11,557$10,661$9,832$8,563
9 years$11,937$10,904$9,954$9,081$8,280$7,069
10 years$10,634$9,612$8,678$7,828$7,055$5,902
11 years$9,569$8,557$7,640$6,813$6,067$4,971
12 years$8,681$7,680$6,781$5,976$5,258$4,217
13 years$7,931$6,941$6,058$5,276$4,585$3,598
14 years$7,289$6,309$5,443$4,683$4,019$3,085
15 years$6,733$5,763$4,914$4,176$3,539$2,655
16 years$6,247$5,288$4,456$3,740$3,128$2,293
17 years$5,818$4,870$4,054$3,360$2,773$1,986
18 years$5,438$4,500$3,701$3,028$2,466$1,724
19 years$5,098$4,170$3,388$2,736$2,198$1,500
20 years$4,792$3,875$3,110$2,478$1,963$1,307
21 years$4,516$3,610$2,860$2,249$1,757$1,140
22 years$4,265$3,370$2,636$2,045$1,575$997
23 years$4,037$3,151$2,434$1,862$1,414$872
24 years$3,827$2,953$2,251$1,698$1,270$764
25 years$3,635$2,771$2,085$1,551$1,143$669
26 years$3,458$2,604$1,934$1,418$1,030$587
27 years$3,294$2,451$1,796$1,298$928$515
28 years$3,143$2,309$1,669$1,189$838$453
29 years$3,002$2,179$1,553$1,091$756$398
30 years$2,870$2,058$1,447$1,001$684$350
31 years$2,747$1,945$1,349$919$618$307
32 years$2,633$1,840$1,259$845$559$270
33 years$2,525$1,743$1,175$777$506$238
34 years$2,424$1,652$1,098$715$458$209
35 years$2,329$1,567$1,026$658$415$184
36 years$2,239$1,487$960$606$376$162
37 years$2,155$1,412$899$558$341$143
38 years$2,075$1,342$842$515$309$126
39 years$1,999$1,276$789$475$280$111
40 years$1,928$1,214$739$438$254$98
41 years$1,860$1,156$693$404$230$86
42 years$1,795$1,101$650$373$209$76
43 years$1,734$1,049$610$344$190$67
44 years$1,675$1,000$573$318$172$59
45 years$1,620$953$538$293$156$52
46 years$1,566$910$505$271$142$46
47 years$1,516$868$474$250$129$40
48 years$1,467$829$446$231$117$36
49 years$1,421$791$419$214$106$31
50 years$1,377$756$394$198$97$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,410,000, adding $2,084 every year, while hoping to spend $27,156 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: 37/46/17 Blend
34$1,410,000$1,410,000$1,410,000$1,410,000
35$1,555,970$1,481,240$1,459,385$1,605,453
36$1,685,785$1,524,927$1,479,380$1,685,026
37$1,827,931$1,569,844$1,499,136$1,768,190
38$1,983,637$1,616,024$1,518,614$1,857,445
39$2,154,257$1,663,498$1,537,776$1,953,353
40$2,341,281$1,712,299$1,556,582$2,056,528
41$2,546,351$1,762,461$1,574,987$2,167,651
42$2,771,276$1,814,019$1,592,946$2,287,465
43$3,018,047$1,867,006$1,610,410$2,416,793
44$3,288,857$1,921,459$1,627,328$2,556,536
45$3,586,123$1,977,414$1,643,647$2,707,688
46$3,912,508$2,034,907$1,659,309$2,871,342
47$4,270,943$2,093,976$1,674,255$3,048,701
48$4,664,658$2,154,660$1,688,421$3,241,090
49$5,097,211$2,216,996$1,701,741$3,449,966
50$5,572,522$2,281,025$1,714,145$3,676,936
51$6,094,911$2,346,786$1,725,560$3,923,765
52$6,669,133$2,414,320$1,735,908$4,192,400
53$7,300,432$2,483,669$1,745,108$4,484,984
54$7,994,580$2,554,873$1,753,074$4,803,877
55$8,757,942$2,627,976$1,759,716$5,151,677
56$9,597,525$2,703,021$1,764,940$5,531,246
57$10,521,054$2,780,050$1,768,647$5,945,738
58$11,537,037$2,859,108$1,770,732$6,398,625
59$12,654,849$2,940,239$1,771,086$6,893,732
60$13,884,821$3,023,488$1,769,594$7,435,272
61$15,238,334$3,108,900$1,766,137$8,027,888
62$16,727,929$3,196,521$1,760,588$8,676,691
63$18,367,425$3,286,397$1,752,814$9,387,317
64$20,172,046$3,378,574$1,742,677$10,165,970
65$22,158,569$3,473,099$1,730,032$11,019,488
66$24,345,481$3,570,019$1,714,725$11,955,406
67$26,753,150$3,669,380$1,696,599$12,982,021
68$29,404,021$3,771,229$1,675,484$14,108,481
69$32,322,825$3,875,613$1,651,207$15,344,860
70$35,536,814$3,982,579$1,623,583$16,702,261
71$39,076,018$4,092,174$1,592,422$18,192,918
72$42,973,525$4,204,444$1,557,522$19,830,308
73$47,265,799$4,319,436$1,518,672$21,629,286
74$51,993,017$4,437,194$1,475,655$23,606,216
75$57,199,453$4,557,766$1,428,238$25,779,133
76$62,933,896$4,681,195$1,376,182$28,167,910
77$69,250,104$4,807,524$1,319,235$30,794,442
78$76,207,320$4,936,798$1,257,135$33,682,860
79$83,870,824$5,069,058$1,189,606$36,859,755
80$92,312,551$5,204,345$1,116,361$40,354,425
81$101,611,771$5,342,699$1,037,100$44,199,159
82$111,855,838$5,484,157$951,508$48,429,539
83$123,141,009$5,628,756$859,259$53,084,771
84$135,573,357$5,776,530$760,010$58,208,065
85$149,269,772$5,927,513$653,402$63,847,031
86$164,359,061$6,081,733$539,063$70,054,141
87$180,983,166$6,239,219$416,603$76,887,214
88$199,298,503$6,399,995$285,614$84,409,969
89$219,477,439$6,564,084$145,671$92,692,622
90$241,709,918$6,731,503$0$101,812,551
91$266,205,250$6,902,268$0$111,855,695
92$293,194,096$7,076,390$0$122,943,598
93$322,930,636$7,253,874$0$135,153,451
94$355,694,970$7,434,724$0$148,599,463
95$391,795,768$7,618,936$0$163,407,488
96$431,573,173$7,806,501$0$179,716,213
97$475,402,023$7,997,405$0$197,678,465
98$523,695,379$8,191,628$0$217,462,656
99$576,908,432$8,389,142$0$239,254,371
100$635,542,794$8,589,912$0$263,258,121