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%17.1%
1 years$116,436$115,399$114,387$113,400$112,435$109,186
2 years$57,642$56,568$55,528$54,519$53,541$50,293
3 years$38,046$36,968$35,930$34,931$33,968$30,824
4 years$28,250$27,175$26,148$25,166$24,227$21,210
5 years$22,374$21,306$20,292$19,330$18,417$15,535
6 years$18,458$17,398$16,399$15,458$14,572$11,829
7 years$15,662$14,611$13,628$12,709$11,851$9,246
8 years$13,566$12,524$11,557$10,661$9,832$7,364
9 years$11,937$10,904$9,954$9,081$8,280$5,946
10 years$10,634$9,612$8,678$7,828$7,055$4,852
11 years$9,569$8,557$7,640$6,813$6,067$3,992
12 years$8,681$7,680$6,781$5,976$5,258$3,306
13 years$7,931$6,941$6,058$5,276$4,585$2,752
14 years$7,289$6,309$5,443$4,683$4,019$2,301
15 years$6,733$5,763$4,914$4,176$3,539$1,930
16 years$6,247$5,288$4,456$3,740$3,128$1,624
17 years$5,818$4,870$4,054$3,360$2,773$1,369
18 years$5,438$4,500$3,701$3,028$2,466$1,157
19 years$5,098$4,170$3,388$2,736$2,198$979
20 years$4,792$3,875$3,110$2,478$1,963$830
21 years$4,516$3,610$2,860$2,249$1,757$704
22 years$4,265$3,370$2,636$2,045$1,575$598
23 years$4,037$3,151$2,434$1,862$1,414$508
24 years$3,827$2,953$2,251$1,698$1,270$432
25 years$3,635$2,771$2,085$1,551$1,143$368
26 years$3,458$2,604$1,934$1,418$1,030$313
27 years$3,294$2,451$1,796$1,298$928$267
28 years$3,143$2,309$1,669$1,189$838$227
29 years$3,002$2,179$1,553$1,091$756$194
30 years$2,870$2,058$1,447$1,001$684$165
31 years$2,747$1,945$1,349$919$618$141
32 years$2,633$1,840$1,259$845$559$120
33 years$2,525$1,743$1,175$777$506$103
34 years$2,424$1,652$1,098$715$458$88
35 years$2,329$1,567$1,026$658$415$75
36 years$2,239$1,487$960$606$376$64
37 years$2,155$1,412$899$558$341$54
38 years$2,075$1,342$842$515$309$46
39 years$1,999$1,276$789$475$280$40
40 years$1,928$1,214$739$438$254$34
41 years$1,860$1,156$693$404$230$29
42 years$1,795$1,101$650$373$209$25
43 years$1,734$1,049$610$344$190$21
44 years$1,675$1,000$573$318$172$18
45 years$1,620$953$538$293$156$15
46 years$1,566$910$505$271$142$13
47 years$1,516$868$474$250$129$11
48 years$1,467$829$446$231$117$10
49 years$1,421$791$419$214$106$8
50 years$1,377$756$394$198$97$7

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 $5,948 every year, while hoping to spend $38,807 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: 40/45/15 Blend
34$1,410,000$1,410,000$1,410,000$1,410,000
35$1,559,955$1,485,225$1,463,370$1,615,172
36$1,677,780$1,516,711$1,471,103$1,686,389
37$1,806,323$1,548,439$1,477,794$1,759,154
38$1,946,635$1,580,380$1,483,367$1,837,036
39$2,099,876$1,612,502$1,487,744$1,920,520
40$2,267,319$1,644,771$1,490,839$2,010,138
41$2,450,369$1,677,148$1,492,566$2,106,478
42$2,650,572$1,709,593$1,492,832$2,210,187
43$2,869,628$1,742,061$1,491,540$2,321,980
44$3,109,412$1,774,504$1,488,588$2,442,644
45$3,371,988$1,806,870$1,483,871$2,573,047
46$3,659,626$1,839,103$1,477,277$2,714,148
47$3,974,830$1,871,141$1,468,688$2,867,003
48$4,320,356$1,902,920$1,457,981$3,032,776
49$4,699,238$1,934,368$1,445,030$3,212,753
50$5,114,819$1,965,411$1,429,697$3,408,350
51$5,570,782$1,995,968$1,411,843$3,621,131
52$6,071,182$2,025,951$1,391,320$3,852,820
53$6,620,486$2,055,266$1,367,974$4,105,317
54$7,223,616$2,083,814$1,341,641$4,380,720
55$7,885,992$2,111,489$1,312,153$4,681,342
56$8,613,586$2,138,174$1,279,333$5,009,734
57$9,412,976$2,163,749$1,242,995$5,368,708
58$10,291,409$2,188,082$1,202,945$5,761,369
59$11,256,869$2,211,034$1,158,979$6,191,137
60$12,318,152$2,232,457$1,110,887$6,661,788
61$13,484,947$2,252,191$1,058,446$7,177,483
62$14,767,932$2,270,069$1,001,424$7,742,813
63$16,178,868$2,285,909$939,578$8,362,841
64$17,730,714$2,299,520$872,656$9,043,149
65$19,437,749$2,310,699$800,392$9,789,895
66$21,315,705$2,319,228$722,510$10,609,868
67$23,381,914$2,324,878$638,722$11,510,554
68$25,655,474$2,327,402$548,724$12,500,210
69$28,157,429$2,326,541$452,203$13,587,940
70$30,910,964$2,322,019$348,829$14,783,784
71$33,941,626$2,313,541$238,258$16,098,810
72$37,277,565$2,300,797$120,132$17,545,225
73$40,949,796$2,283,456$0$19,136,487
74$44,992,498$2,261,168$0$20,888,384
75$49,443,329$2,233,562$0$22,836,910
76$54,343,785$2,200,242$0$24,980,923
77$59,739,590$2,160,794$0$27,340,380
78$65,681,129$2,114,773$0$29,937,282
79$72,223,919$2,061,713$0$32,795,880
80$79,429,139$2,001,117$0$35,942,907
81$87,364,201$1,932,460$0$39,407,829
82$96,103,387$1,855,189$0$43,223,128
83$105,728,553$1,768,714$0$47,424,609
84$116,329,899$1,672,414$0$52,051,737
85$128,006,819$1,565,633$0$57,148,015
86$140,868,839$1,447,674$0$62,761,393
87$155,036,654$1,317,802$0$68,944,725
88$170,643,260$1,175,242$0$75,756,270
89$187,835,215$1,019,172$0$83,260,242
90$206,774,019$848,723$0$91,527,421
91$227,637,640$662,981$0$100,635,820
92$250,622,188$460,976$0$110,671,429
93$275,943,774$241,687$0$121,729,024
94$303,840,543$4,034$0$133,913,072
95$334,574,923$0$0$147,338,710
96$368,436,103$0$0$162,258,188
97$405,742,761$0$0$178,698,287
98$446,846,073$0$0$196,811,803
99$492,133,026$0$0$216,769,317
100$542,030,071$0$0$238,758,802