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

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 $1,440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$118,914$117,855$116,821$115,813$114,828$113,771
2 years$58,868$57,772$56,709$55,679$54,680$53,615
3 years$38,856$37,755$36,695$35,674$34,691$33,651
4 years$28,851$27,754$26,704$25,701$24,742$23,735
5 years$22,850$21,759$20,724$19,741$18,808$17,838
6 years$18,851$17,768$16,748$15,787$14,883$13,949
7 years$15,995$14,922$13,917$12,979$12,103$11,207
8 years$13,855$12,791$11,803$10,888$10,041$9,183
9 years$12,191$11,136$10,166$9,274$8,456$7,635
10 years$10,860$9,816$8,863$7,994$7,205$6,421
11 years$9,772$8,739$7,803$6,958$6,196$5,448
12 years$8,866$7,843$6,925$6,103$5,370$4,657
13 years$8,100$7,088$6,187$5,388$4,683$4,005
14 years$7,444$6,443$5,559$4,783$4,105$3,461
15 years$6,876$5,886$5,019$4,265$3,614$3,003
16 years$6,380$5,400$4,550$3,819$3,194$2,615
17 years$5,942$4,973$4,141$3,431$2,832$2,284
18 years$5,554$4,596$3,780$3,092$2,518$2,000
19 years$5,206$4,259$3,460$2,794$2,245$1,755
20 years$4,894$3,958$3,176$2,531$2,005$1,543
21 years$4,612$3,687$2,921$2,297$1,794$1,359
22 years$4,356$3,441$2,692$2,088$1,608$1,198
23 years$4,123$3,218$2,486$1,902$1,444$1,058
24 years$3,909$3,016$2,299$1,735$1,298$935
25 years$3,713$2,830$2,129$1,584$1,168$827
26 years$3,532$2,660$1,975$1,448$1,052$733
27 years$3,364$2,503$1,834$1,326$948$649
28 years$3,209$2,359$1,705$1,215$856$576
29 years$3,065$2,225$1,586$1,114$773$511
30 years$2,931$2,101$1,478$1,022$698$453
31 years$2,806$1,986$1,378$939$631$403
32 years$2,689$1,880$1,285$863$571$358
33 years$2,579$1,780$1,200$794$517$318
34 years$2,476$1,687$1,121$730$468$283
35 years$2,379$1,600$1,048$672$424$251
36 years$2,287$1,519$981$619$384$224
37 years$2,201$1,442$918$570$348$199
38 years$2,119$1,371$860$526$315$177
39 years$2,042$1,304$805$485$286$158
40 years$1,969$1,240$755$447$259$140
41 years$1,899$1,181$708$412$235$125
42 years$1,833$1,124$664$381$214$111
43 years$1,771$1,071$623$351$194$99
44 years$1,711$1,021$585$324$176$88
45 years$1,654$974$549$300$160$79
46 years$1,600$929$516$277$145$70
47 years$1,548$886$485$256$132$62
48 years$1,499$846$455$236$120$56
49 years$1,451$808$428$218$109$49
50 years$1,406$772$402$202$99$44

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 $6,013 every year, while hoping to spend $37,972 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: 52/33/15 Blend
34$1,440,000$1,440,000$1,440,000$1,440,000
35$1,593,082$1,516,762$1,494,442$1,669,173
36$1,715,175$1,550,682$1,504,104$1,755,836
37$1,848,448$1,584,991$1,512,817$1,845,529
38$1,994,003$1,619,668$1,520,509$1,942,232
39$2,153,049$1,654,690$1,527,105$2,046,619
40$2,326,922$1,690,032$1,532,525$2,159,433
41$2,517,089$1,725,664$1,536,685$2,281,493
42$2,725,167$1,761,557$1,539,499$2,413,702
43$2,952,937$1,797,675$1,540,875$2,557,052
44$3,202,357$1,833,982$1,540,715$2,712,641
45$3,475,587$1,870,437$1,538,918$2,881,675
46$3,775,004$1,906,996$1,535,379$3,065,485
47$4,103,226$1,943,610$1,529,986$3,265,537
48$4,463,137$1,980,229$1,522,623$3,483,448
49$4,857,912$2,016,795$1,513,166$3,720,999
50$5,291,050$2,053,249$1,501,487$3,980,155
51$5,766,403$2,089,524$1,487,453$4,263,079
52$6,288,216$2,125,550$1,470,922$4,572,157
53$6,861,163$2,161,252$1,451,748$4,910,020
54$7,490,395$2,196,546$1,429,774$5,279,566
55$8,181,584$2,231,345$1,404,840$5,683,992
56$8,940,980$2,265,556$1,376,777$6,126,818
57$9,775,468$2,299,076$1,345,407$6,611,930
58$10,692,633$2,331,798$1,310,546$7,143,606
59$11,700,831$2,363,606$1,271,998$7,726,566
60$12,809,268$2,394,375$1,229,562$8,366,010
61$14,028,086$2,423,972$1,183,026$9,067,672
62$15,368,460$2,452,256$1,132,167$9,837,872
63$16,842,703$2,479,076$1,076,754$10,683,577
64$18,464,377$2,504,270$1,016,544$11,612,467
65$20,248,430$2,527,665$951,284$12,633,008
66$22,211,328$2,549,079$880,710$13,754,531
67$24,371,214$2,568,314$804,545$14,987,323
68$26,748,080$2,585,164$722,499$16,342,723
69$29,363,953$2,599,406$634,272$17,833,231
70$32,243,104$2,610,804$539,547$19,472,623
71$35,412,275$2,619,108$437,996$21,276,087
72$38,900,932$2,624,050$329,275$23,260,364
73$42,741,547$2,625,347$213,025$25,443,905
74$46,969,894$2,622,699$88,871$27,847,051
75$51,625,397$2,615,785$0$30,492,222
76$56,751,496$2,604,267$0$33,411,111
77$62,396,056$2,587,784$0$36,639,608
78$68,611,823$2,565,954$0$40,193,567
79$75,456,916$2,538,373$0$44,106,153
80$82,995,379$2,504,611$0$48,413,917
81$91,297,784$2,464,213$0$53,157,140
82$100,441,895$2,416,697$0$58,380,218
83$110,513,406$2,361,553$0$64,132,079
84$121,606,744$2,298,239$0$70,466,646
85$133,825,963$2,226,184$0$77,443,348
86$147,285,725$2,144,781$0$85,127,681
87$162,112,382$2,053,388$0$93,591,827
88$178,445,169$1,951,329$0$102,915,337
89$196,437,516$1,837,884$0$113,185,884
90$216,258,497$1,712,294$0$124,500,092
91$238,094,426$1,573,758$0$136,964,447
92$262,150,612$1,421,427$0$150,696,305
93$288,653,302$1,254,405$0$165,825,004
94$317,851,810$1,071,743$0$182,493,083
95$350,020,877$872,440$0$200,857,632
96$385,463,256$655,439$0$221,091,773
97$424,512,576$419,624$0$243,386,302
98$467,536,487$163,813$0$267,951,487
99$514,940,131$0$0$295,019,061
100$567,169,966$0$0$324,885,526