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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.9%
1 years$118,088$117,036$116,010$115,008$114,030$111,274
2 years$58,459$57,371$56,316$55,292$54,300$51,539
3 years$38,586$37,492$36,440$35,426$34,450$31,772
4 years$28,651$27,561$26,519$25,523$24,570$21,995
5 years$22,692$21,608$20,580$19,604$18,678$16,212
6 years$18,720$17,645$16,631$15,677$14,779$12,426
7 years$15,884$14,818$13,821$12,889$12,019$9,779
8 years$13,758$12,702$11,721$10,812$9,971$7,843
9 years$12,106$11,059$10,095$9,210$8,397$6,379
10 years$10,785$9,748$8,801$7,939$7,155$5,244
11 years$9,704$8,678$7,749$6,909$6,153$4,348
12 years$8,805$7,789$6,877$6,060$5,332$3,629
13 years$8,044$7,039$6,144$5,350$4,650$3,046
14 years$7,393$6,398$5,520$4,749$4,076$2,567
15 years$6,828$5,845$4,984$4,236$3,589$2,172
16 years$6,335$5,363$4,519$3,793$3,172$1,843
17 years$5,901$4,939$4,112$3,408$2,812$1,568
18 years$5,515$4,564$3,754$3,071$2,501$1,336
19 years$5,170$4,230$3,436$2,775$2,229$1,141
20 years$4,860$3,930$3,154$2,513$1,991$976
21 years$4,580$3,661$2,901$2,281$1,782$836
22 years$4,326$3,417$2,674$2,074$1,597$716
23 years$4,094$3,196$2,469$1,889$1,434$615
24 years$3,882$2,995$2,283$1,723$1,289$528
25 years$3,687$2,810$2,114$1,573$1,159$454
26 years$3,507$2,641$1,961$1,438$1,044$390
27 years$3,341$2,486$1,821$1,317$942$336
28 years$3,187$2,342$1,693$1,206$850$289
29 years$3,044$2,210$1,575$1,106$767$249
30 years$2,911$2,087$1,467$1,015$693$214
31 years$2,786$1,973$1,368$932$627$184
32 years$2,670$1,867$1,276$857$567$159
33 years$2,561$1,768$1,192$788$513$137
34 years$2,458$1,675$1,114$725$465$118
35 years$2,362$1,589$1,041$667$421$102
36 years$2,271$1,508$974$615$381$88
37 years$2,185$1,432$912$566$346$76
38 years$2,104$1,361$854$522$313$65
39 years$2,028$1,295$800$481$284$56
40 years$1,955$1,232$750$444$258$48
41 years$1,886$1,172$703$410$234$42
42 years$1,821$1,117$659$378$212$36
43 years$1,758$1,064$619$349$192$31
44 years$1,699$1,014$581$322$175$27
45 years$1,643$967$545$298$159$23
46 years$1,589$922$512$275$144$20
47 years$1,537$880$481$254$131$17
48 years$1,488$840$452$235$119$15
49 years$1,441$803$425$217$108$13
50 years$1,396$767$400$200$98$11

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 $2,405 every year, while hoping to spend $36,500 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: 37/42/21 Blend
34$1,430,000$1,430,000$1,430,000$1,430,000
35$1,578,341$1,502,551$1,480,386$1,626,680
36$1,700,496$1,537,340$1,491,143$1,696,850
37$1,833,887$1,572,611$1,501,037$1,769,006
38$1,979,623$1,608,348$1,510,001$1,846,201
39$2,138,922$1,644,534$1,517,964$1,928,910
40$2,313,127$1,681,151$1,524,850$2,017,655
41$2,503,716$1,718,178$1,530,583$2,113,014
42$2,712,316$1,755,590$1,535,079$2,215,621
43$2,940,720$1,793,362$1,538,252$2,326,177
44$3,190,902$1,831,464$1,540,011$2,445,454
45$3,465,034$1,869,866$1,540,262$2,574,305
46$3,765,511$1,908,533$1,538,903$2,713,668
47$4,094,967$1,947,426$1,535,832$2,864,578
48$4,456,308$1,986,504$1,530,936$3,028,178
49$4,852,731$2,025,721$1,524,102$3,205,727
50$5,287,758$2,065,030$1,515,207$3,398,613
51$5,765,269$2,104,377$1,504,127$3,608,367
52$6,289,539$2,143,703$1,490,727$3,836,678
53$6,865,274$2,182,947$1,474,869$4,085,408
54$7,497,662$2,222,042$1,456,407$4,356,611
55$8,192,416$2,260,914$1,435,189$4,652,551
56$8,955,829$2,299,486$1,411,055$4,975,725
57$9,794,836$2,337,673$1,383,837$5,328,888
58$10,717,075$2,375,384$1,353,362$5,715,075
59$11,730,962$2,412,524$1,319,445$6,137,638
60$12,845,770$2,448,986$1,281,895$6,600,267
61$14,071,712$2,484,661$1,240,513$7,107,037
62$15,420,044$2,519,427$1,195,087$7,662,438
63$16,903,166$2,553,156$1,145,401$8,271,422
64$18,534,741$2,585,712$1,091,223$8,939,450
65$20,329,820$2,616,948$1,032,315$9,672,544
66$22,304,991$2,646,708$968,426$10,477,342
67$24,478,527$2,674,824$899,296$11,361,165
68$26,870,565$2,701,118$824,650$12,332,088
69$29,503,290$2,725,400$744,203$13,399,009
70$32,401,148$2,747,467$657,657$14,571,743
71$35,591,077$2,767,105$564,700$15,861,111
72$39,102,756$2,784,082$465,007$17,279,043
73$42,968,890$2,798,155$358,238$18,838,693
74$47,225,516$2,809,064$244,038$20,554,562
75$51,912,343$2,816,532$122,037$22,442,640
76$57,073,125$2,820,265$0$24,520,555
77$62,756,077$2,819,952$0$26,809,569
78$69,014,328$2,815,260$0$29,358,579
79$75,906,419$2,805,838$0$32,163,927
80$83,496,862$2,791,313$0$35,251,750
81$91,856,742$2,771,287$0$38,650,858
82$101,064,390$2,745,340$0$42,393,004
83$111,206,124$2,713,028$0$46,513,185
84$122,377,059$2,673,876$0$51,049,976
85$134,682,008$2,627,386$0$56,045,891
86$148,236,471$2,573,026$0$61,547,790
87$163,167,721$2,510,235$0$67,607,318
88$179,616,010$2,438,417$0$74,281,400
89$197,735,887$2,356,944$0$81,632,772
90$217,697,662$2,265,148$0$89,730,582
91$239,689,008$2,162,325$0$98,651,042
92$263,916,736$2,047,728$0$108,478,145
93$290,608,745$1,920,569$0$119,304,467
94$320,016,173$1,780,012$0$131,232,038
95$352,415,766$1,625,177$0$144,373,310
96$388,112,494$1,455,130$0$158,852,218
97$427,442,422$1,268,885$0$174,805,354
98$470,775,891$1,065,402$0$192,383,261
99$518,521,005$843,580$0$211,751,855
100$571,127,489$602,257$0$233,093,991