Can I retire at age 35 with 1,440,000?

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 $1,440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$118,914$117,855$116,821$115,813$114,828$113,581
2 years$58,868$57,772$56,709$55,679$54,680$53,425
3 years$38,856$37,755$36,695$35,674$34,691$33,467
4 years$28,851$27,754$26,704$25,701$24,742$23,557
5 years$22,850$21,759$20,724$19,741$18,808$17,667
6 years$18,851$17,768$16,748$15,787$14,883$13,786
7 years$15,995$14,922$13,917$12,979$12,103$11,052
8 years$13,855$12,791$11,803$10,888$10,041$9,034
9 years$12,191$11,136$10,166$9,274$8,456$7,494
10 years$10,860$9,816$8,863$7,994$7,205$6,287
11 years$9,772$8,739$7,803$6,958$6,196$5,322
12 years$8,866$7,843$6,925$6,103$5,370$4,538
13 years$8,100$7,088$6,187$5,388$4,683$3,892
14 years$7,444$6,443$5,559$4,783$4,105$3,354
15 years$6,876$5,886$5,019$4,265$3,614$2,903
16 years$6,380$5,400$4,550$3,819$3,194$2,521
17 years$5,942$4,973$4,141$3,431$2,832$2,195
18 years$5,554$4,596$3,780$3,092$2,518$1,917
19 years$5,206$4,259$3,460$2,794$2,245$1,677
20 years$4,894$3,958$3,176$2,531$2,005$1,470
21 years$4,612$3,687$2,921$2,297$1,794$1,291
22 years$4,356$3,441$2,692$2,088$1,608$1,135
23 years$4,123$3,218$2,486$1,902$1,444$999
24 years$3,909$3,016$2,299$1,735$1,298$880
25 years$3,713$2,830$2,129$1,584$1,168$777
26 years$3,532$2,660$1,975$1,448$1,052$685
27 years$3,364$2,503$1,834$1,326$948$606
28 years$3,209$2,359$1,705$1,215$856$535
29 years$3,065$2,225$1,586$1,114$773$473
30 years$2,931$2,101$1,478$1,022$698$419
31 years$2,806$1,986$1,378$939$631$371
32 years$2,689$1,880$1,285$863$571$328
33 years$2,579$1,780$1,200$794$517$291
34 years$2,476$1,687$1,121$730$468$258
35 years$2,379$1,600$1,048$672$424$228
36 years$2,287$1,519$981$619$384$202
37 years$2,201$1,442$918$570$348$180
38 years$2,119$1,371$860$526$315$159
39 years$2,042$1,304$805$485$286$141
40 years$1,969$1,240$755$447$259$125
41 years$1,899$1,181$708$412$235$111
42 years$1,833$1,124$664$381$214$99
43 years$1,771$1,071$623$351$194$88
44 years$1,711$1,021$585$324$176$78
45 years$1,654$974$549$300$160$69
46 years$1,600$929$516$277$145$61
47 years$1,548$886$485$256$132$54
48 years$1,499$846$455$236$120$48
49 years$1,451$808$428$218$109$43
50 years$1,406$772$402$202$99$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,440,000, adding $4,463 every year, while hoping to spend $39,403 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: 48/28/24 Blend
34$1,440,000$1,440,000$1,440,000$1,440,000
35$1,591,484$1,515,164$1,492,844$1,656,824
36$1,711,890$1,547,482$1,500,929$1,735,303
37$1,843,258$1,580,064$1,507,965$1,816,200
38$1,986,663$1,612,879$1,513,875$1,903,256
39$2,143,290$1,645,898$1,518,577$1,997,070
40$2,314,444$1,679,085$1,521,988$2,098,300
41$2,501,560$1,712,403$1,524,017$2,207,672
42$2,706,221$1,745,812$1,524,573$2,325,989
43$2,930,165$1,779,267$1,523,556$2,454,133
44$3,175,312$1,812,721$1,520,865$2,593,080
45$3,443,770$1,846,121$1,516,391$2,743,904
46$3,737,866$1,879,412$1,510,021$2,907,791
47$4,060,159$1,912,533$1,501,637$3,086,047
48$4,413,467$1,945,420$1,491,114$3,280,114
49$4,800,898$1,978,002$1,478,323$3,491,582
50$5,225,869$2,010,205$1,463,127$3,722,204
51$5,692,150$2,041,946$1,445,384$3,973,914
52$6,203,888$2,073,140$1,424,943$4,248,844
53$6,765,654$2,103,694$1,401,648$4,549,345
54$7,382,482$2,133,507$1,375,335$4,878,011
55$8,059,920$2,162,473$1,345,833$5,237,702
56$8,804,075$2,190,478$1,312,962$5,631,571
57$9,621,679$2,217,399$1,276,534$6,063,096
58$10,520,145$2,243,106$1,236,353$6,536,112
59$11,507,642$2,267,460$1,192,213$7,054,848
60$12,593,168$2,290,313$1,143,899$7,623,967
61$13,786,638$2,311,505$1,091,187$8,248,611
62$15,098,975$2,330,869$1,033,841$8,934,451
63$16,542,212$2,348,223$971,616$9,687,738
64$18,129,608$2,363,377$904,256$10,515,366
65$19,875,772$2,376,125$831,492$11,424,935
66$21,796,798$2,386,253$753,044$12,424,827
67$23,910,420$2,393,528$668,620$13,524,282
68$26,236,177$2,397,705$577,913$14,733,487
69$28,795,599$2,398,525$480,605$16,063,675
70$31,612,407$2,395,709$376,362$17,527,230
71$34,712,738$2,388,965$264,836$19,137,806
72$38,125,393$2,377,980$145,664$20,910,454
73$41,882,106$2,362,423$18,466$22,861,771
74$46,017,843$2,341,944$0$25,010,050
75$50,571,133$2,316,170$0$27,405,493
76$55,584,432$2,284,706$0$30,047,301
77$61,104,522$2,247,134$0$32,955,363
78$67,182,951$2,203,011$0$36,156,814
79$73,876,521$2,151,868$0$39,681,561
80$81,247,824$2,093,207$0$43,562,567
81$89,365,831$2,026,503$0$47,836,159
82$98,306,542$1,951,199$0$52,542,374
83$108,153,706$1,866,704$0$57,725,337
84$118,999,608$1,772,396$0$63,433,679
85$130,945,939$1,667,615$0$69,720,996
86$144,104,760$1,551,663$0$76,646,359
87$158,599,555$1,423,803$0$84,274,866
88$174,566,395$1,283,256$0$92,678,266
89$192,155,229$1,129,197$0$101,935,630
90$211,531,290$960,755$0$112,134,105
91$232,876,661$777,011$0$123,369,733
92$256,391,988$576,993$0$135,748,362
93$282,298,379$359,673$0$149,386,645
94$310,839,485$123,969$0$164,413,146
95$342,283,805$0$0$180,969,552
96$376,927,214$0$0$199,252,456
97$415,095,761$0$0$219,438,090
98$457,148,741$0$0$241,678,309
99$503,482,091$0$0$266,182,543
100$554,532,125$0$0$293,181,580