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%14.3%
1 years$118,088$117,036$116,010$115,008$114,030$112,003
2 years$58,459$57,371$56,316$55,292$54,300$52,265
3 years$38,586$37,492$36,440$35,426$34,450$32,470
4 years$28,651$27,561$26,519$25,523$24,570$22,660
5 years$22,692$21,608$20,580$19,604$18,678$16,844
6 years$18,720$17,645$16,631$15,677$14,779$13,023
7 years$15,884$14,818$13,821$12,889$12,019$10,342
8 years$13,758$12,702$11,721$10,812$9,971$8,372
9 years$12,106$11,059$10,095$9,210$8,397$6,875
10 years$10,785$9,748$8,801$7,939$7,155$5,708
11 years$9,704$8,678$7,749$6,909$6,153$4,781
12 years$8,805$7,789$6,877$6,060$5,332$4,032
13 years$8,044$7,039$6,144$5,350$4,650$3,420
14 years$7,393$6,398$5,520$4,749$4,076$2,914
15 years$6,828$5,845$4,984$4,236$3,589$2,493
16 years$6,335$5,363$4,519$3,793$3,172$2,139
17 years$5,901$4,939$4,112$3,408$2,812$1,841
18 years$5,515$4,564$3,754$3,071$2,501$1,588
19 years$5,170$4,230$3,436$2,775$2,229$1,372
20 years$4,860$3,930$3,154$2,513$1,991$1,188
21 years$4,580$3,661$2,901$2,281$1,782$1,030
22 years$4,326$3,417$2,674$2,074$1,597$894
23 years$4,094$3,196$2,469$1,889$1,434$776
24 years$3,882$2,995$2,283$1,723$1,289$675
25 years$3,687$2,810$2,114$1,573$1,159$588
26 years$3,507$2,641$1,961$1,438$1,044$512
27 years$3,341$2,486$1,821$1,317$942$446
28 years$3,187$2,342$1,693$1,206$850$389
29 years$3,044$2,210$1,575$1,106$767$339
30 years$2,911$2,087$1,467$1,015$693$296
31 years$2,786$1,973$1,368$932$627$258
32 years$2,670$1,867$1,276$857$567$226
33 years$2,561$1,768$1,192$788$513$197
34 years$2,458$1,675$1,114$725$465$172
35 years$2,362$1,589$1,041$667$421$150
36 years$2,271$1,508$974$615$381$131
37 years$2,185$1,432$912$566$346$115
38 years$2,104$1,361$854$522$313$100
39 years$2,028$1,295$800$481$284$88
40 years$1,955$1,232$750$444$258$77
41 years$1,886$1,172$703$410$234$67
42 years$1,821$1,117$659$378$212$59
43 years$1,758$1,064$619$349$192$51
44 years$1,699$1,014$581$322$175$45
45 years$1,643$967$545$298$159$39
46 years$1,589$922$512$275$144$34
47 years$1,537$880$481$254$131$30
48 years$1,488$840$452$235$119$26
49 years$1,441$803$425$217$108$23
50 years$1,396$767$400$200$98$20

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 $6,392 every year, while hoping to spend $35,588 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: 57/25/18 Blend
34$1,430,000$1,430,000$1,430,000$1,430,000
35$1,582,453$1,506,663$1,484,498$1,664,782
36$1,705,998$1,542,624$1,496,364$1,757,421
37$1,840,952$1,579,155$1,507,434$1,853,922
38$1,988,441$1,616,245$1,517,644$1,958,286
39$2,149,704$1,653,884$1,526,928$2,071,276
40$2,326,107$1,692,057$1,535,213$2,193,735
41$2,519,153$1,730,751$1,542,426$2,326,587
42$2,730,497$1,769,948$1,548,488$2,470,854
43$2,961,961$1,809,629$1,553,316$2,627,660
44$3,215,553$1,849,773$1,556,823$2,798,245
45$3,493,483$1,890,355$1,558,920$2,983,973
46$3,798,184$1,931,348$1,559,510$3,186,349
47$4,132,338$1,972,724$1,558,493$3,407,030
48$4,498,899$2,014,449$1,555,765$3,647,845
49$4,901,118$2,056,489$1,551,214$3,910,805
50$5,342,578$2,098,803$1,544,726$4,198,131
51$5,827,227$2,141,350$1,536,180$4,512,266
52$6,359,409$2,184,082$1,525,448$4,855,907
53$6,943,916$2,226,948$1,512,397$5,232,022
54$7,586,021$2,269,895$1,496,888$5,643,886
55$8,291,537$2,312,861$1,478,775$6,095,107
56$9,066,865$2,355,782$1,457,905$6,589,659
57$9,919,058$2,398,589$1,434,118$7,131,926
58$10,855,888$2,441,206$1,407,247$7,726,739
59$11,885,914$2,483,550$1,377,116$8,379,419
60$13,018,569$2,525,536$1,343,541$9,095,836
61$14,264,244$2,567,068$1,306,330$9,882,456
62$15,634,388$2,608,046$1,265,283$10,746,406
63$17,141,615$2,648,359$1,220,190$11,695,543
64$18,799,824$2,687,893$1,170,830$12,738,526
65$20,624,327$2,726,521$1,116,974$13,884,899
66$22,631,998$2,764,110$1,058,382$15,145,179
67$24,841,427$2,800,516$994,803$16,530,961
68$27,273,098$2,835,587$925,974$18,055,022
69$29,949,581$2,869,159$851,622$19,731,447
70$32,895,747$2,901,056$771,460$21,575,757
71$36,138,998$2,931,092$685,188$23,605,063
72$39,709,529$2,959,069$592,495$25,838,219
73$43,640,611$2,984,773$493,054$28,296,009
74$47,968,906$3,007,979$386,524$31,001,339
75$52,734,811$3,028,447$272,549$33,979,456
76$57,982,840$3,045,919$150,758$37,258,184
77$63,762,044$3,060,124$20,762$40,868,190
78$70,126,472$3,070,770$0$44,843,275
79$77,135,685$3,077,550$0$49,243,347
80$84,855,311$3,080,137$0$54,092,535
81$93,357,671$3,078,181$0$59,432,183
82$102,722,455$3,071,313$0$65,312,250
83$113,037,480$3,059,142$0$71,787,793
84$124,399,513$3,041,250$0$78,919,487
85$136,915,188$3,017,197$0$86,774,195
86$150,702,011$2,986,512$0$95,425,605
87$165,889,465$2,948,701$0$104,954,921
88$182,620,239$2,903,236$0$115,451,630
89$201,051,569$2,849,560$0$127,014,353
90$221,356,722$2,787,082$0$139,751,771
91$243,726,635$2,715,176$0$153,783,653
92$268,371,712$2,633,180$0$169,241,988
93$295,523,813$2,540,392$0$186,272,233
94$325,438,441$2,436,070$0$205,034,683
95$358,397,154$2,319,429$0$225,705,990
96$394,710,221$2,189,639$0$248,480,828
97$434,719,553$2,045,821$0$273,573,733
98$478,801,927$1,887,045$0$301,221,129
99$527,372,544$1,712,331$0$331,683,563
100$580,888,947$1,520,639$0$365,248,163