Can I retire at age 35 with 1,430,000?

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 $1,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$118,088$117,036$116,010$115,008$114,030$112,234
2 years$58,459$57,371$56,316$55,292$54,300$52,495
3 years$38,586$37,492$36,440$35,426$34,450$32,692
4 years$28,651$27,561$26,519$25,523$24,570$22,873
5 years$22,692$21,608$20,580$19,604$18,678$17,047
6 years$18,720$17,645$16,631$15,677$14,779$13,216
7 years$15,884$14,818$13,821$12,889$12,019$10,524
8 years$13,758$12,702$11,721$10,812$9,971$8,544
9 years$12,106$11,059$10,095$9,210$8,397$7,037
10 years$10,785$9,748$8,801$7,939$7,155$5,861
11 years$9,704$8,678$7,749$6,909$6,153$4,924
12 years$8,805$7,789$6,877$6,060$5,332$4,166
13 years$8,044$7,039$6,144$5,350$4,650$3,545
14 years$7,393$6,398$5,520$4,749$4,076$3,031
15 years$6,828$5,845$4,984$4,236$3,589$2,602
16 years$6,335$5,363$4,519$3,793$3,172$2,241
17 years$5,901$4,939$4,112$3,408$2,812$1,935
18 years$5,515$4,564$3,754$3,071$2,501$1,675
19 years$5,170$4,230$3,436$2,775$2,229$1,453
20 years$4,860$3,930$3,154$2,513$1,991$1,262
21 years$4,580$3,661$2,901$2,281$1,782$1,098
22 years$4,326$3,417$2,674$2,074$1,597$957
23 years$4,094$3,196$2,469$1,889$1,434$835
24 years$3,882$2,995$2,283$1,723$1,289$729
25 years$3,687$2,810$2,114$1,573$1,159$637
26 years$3,507$2,641$1,961$1,438$1,044$557
27 years$3,341$2,486$1,821$1,317$942$487
28 years$3,187$2,342$1,693$1,206$850$426
29 years$3,044$2,210$1,575$1,106$767$373
30 years$2,911$2,087$1,467$1,015$693$327
31 years$2,786$1,973$1,368$932$627$287
32 years$2,670$1,867$1,276$857$567$251
33 years$2,561$1,768$1,192$788$513$221
34 years$2,458$1,675$1,114$725$465$193
35 years$2,362$1,589$1,041$667$421$170
36 years$2,271$1,508$974$615$381$149
37 years$2,185$1,432$912$566$346$131
38 years$2,104$1,361$854$522$313$115
39 years$2,028$1,295$800$481$284$101
40 years$1,955$1,232$750$444$258$88
41 years$1,886$1,172$703$410$234$78
42 years$1,821$1,117$659$378$212$68
43 years$1,758$1,064$619$349$192$60
44 years$1,699$1,014$581$322$175$53
45 years$1,643$967$545$298$159$46
46 years$1,589$922$512$275$144$41
47 years$1,537$880$481$254$131$36
48 years$1,488$840$452$235$119$31
49 years$1,441$803$425$217$108$28
50 years$1,396$767$400$200$98$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,430,000, adding $3,389 every year, while hoping to spend $23,933 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: 43/48/9 Blend
34$1,430,000$1,430,000$1,430,000$1,430,000
35$1,579,356$1,503,566$1,481,401$1,643,015
36$1,714,986$1,551,776$1,505,563$1,735,846
37$1,863,647$1,601,546$1,529,733$1,833,656
38$2,026,645$1,652,928$1,553,885$1,939,070
39$2,205,416$1,705,974$1,577,992$2,052,795
40$2,401,540$1,760,739$1,602,027$2,175,603
41$2,616,761$1,817,279$1,625,959$2,308,347
42$2,852,998$1,875,653$1,649,756$2,451,962
43$3,112,365$1,935,921$1,673,384$2,607,478
44$3,397,191$1,998,146$1,696,807$2,776,025
45$3,710,041$2,062,392$1,719,987$2,958,850
46$4,053,742$2,128,725$1,742,883$3,157,320
47$4,431,406$2,197,215$1,765,451$3,372,942
48$4,846,463$2,267,933$1,787,648$3,607,373
49$5,302,693$2,340,952$1,809,425$3,862,436
50$5,804,257$2,416,348$1,830,730$4,140,137
51$6,355,743$2,494,201$1,851,511$4,442,685
52$6,962,203$2,574,591$1,871,711$4,772,509
53$7,629,204$2,657,602$1,891,270$5,132,284
54$8,362,881$2,743,323$1,910,126$5,524,956
55$9,169,991$2,831,842$1,928,211$5,953,765
56$10,057,980$2,923,252$1,945,456$6,422,280
57$11,035,052$3,017,650$1,961,787$6,934,431
58$12,110,247$3,115,134$1,977,127$7,494,543
59$13,293,526$3,215,809$1,991,394$8,107,382
60$14,595,861$3,319,779$2,004,501$8,778,192
61$16,029,347$3,427,156$2,016,360$9,512,752
62$17,607,306$3,538,053$2,026,873$10,317,423
63$19,344,420$3,652,586$2,035,943$11,199,212
64$21,256,867$3,770,879$2,043,463$12,165,837
65$23,362,472$3,893,057$2,049,323$13,225,797
66$25,680,877$4,019,249$2,053,408$14,388,456
67$28,233,725$4,149,591$2,055,596$15,664,125
68$31,044,866$4,284,222$2,055,760$17,064,164
69$34,140,579$4,423,286$2,053,765$18,601,087
70$37,549,823$4,566,931$2,049,470$20,288,677
71$41,304,507$4,715,313$2,042,730$22,142,120
72$45,439,794$4,868,591$2,033,388$24,178,144
73$49,994,430$5,026,929$2,021,284$26,415,177
74$55,011,112$5,190,499$2,006,248$28,873,522
75$60,536,889$5,359,477$1,988,101$31,575,546
76$66,623,607$5,534,046$1,966,657$34,545,892
77$73,328,397$5,714,396$1,941,721$37,811,709
78$80,714,214$5,900,722$1,913,090$41,402,910
79$88,850,433$6,093,227$1,880,548$45,352,450
80$97,813,504$6,292,122$1,843,873$49,696,640
81$107,687,667$6,497,622$1,802,829$54,475,488
82$118,565,757$6,709,953$1,757,171$59,733,074
83$130,550,071$6,929,348$1,706,643$65,517,966
84$143,753,340$7,156,047$1,650,977$71,883,679
85$158,299,787$7,390,300$1,589,891$78,889,178
86$174,326,306$7,632,365$1,523,093$86,599,434
87$191,983,747$7,882,509$1,450,275$95,086,035
88$211,438,347$8,141,010$1,371,117$104,427,863
89$232,873,292$8,408,153$1,285,283$114,711,837
90$256,490,450$8,684,235$1,192,423$126,033,732
91$282,512,278$8,969,564$1,092,170$138,499,080
92$311,183,915$9,264,458$984,143$152,224,170
93$342,775,505$9,569,246$867,942$167,337,140
94$377,584,737$9,884,270$743,149$183,979,187
95$415,939,664$10,209,884$609,329$202,305,899
96$458,201,795$10,546,452$466,026$222,488,724
97$504,769,505$10,894,356$312,765$244,716,584
98$556,081,803$11,253,988$149,051$269,197,657
99$612,622,468$11,625,754$0$296,161,346
100$674,924,621$12,010,077$0$325,862,902