Can I retire at age 35 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$119,740$118,673$117,632$116,617$115,625$111,567
2 years$59,277$58,173$57,103$56,066$55,060$51,014
3 years$39,125$38,017$36,950$35,922$34,932$31,026
4 years$29,052$27,946$26,890$25,880$24,914$21,177
5 years$23,009$21,910$20,868$19,878$18,939$15,381
6 years$18,982$17,891$16,864$15,897$14,986$11,609
7 years$16,106$15,025$14,014$13,070$12,188$8,992
8 years$13,951$12,879$11,885$10,964$10,111$7,094
9 years$12,275$11,214$10,237$9,339$8,515$5,672
10 years$10,935$9,884$8,925$8,050$7,255$4,583
11 years$9,840$8,799$7,857$7,006$6,239$3,731
12 years$8,928$7,898$6,973$6,145$5,407$3,057
13 years$8,156$7,137$6,230$5,425$4,715$2,518
14 years$7,496$6,488$5,598$4,816$4,133$2,081
15 years$6,924$5,927$5,054$4,295$3,639$1,726
16 years$6,424$5,438$4,582$3,846$3,216$1,436
17 years$5,983$5,008$4,169$3,455$2,852$1,197
18 years$5,592$4,627$3,806$3,114$2,536$999
19 years$5,242$4,289$3,484$2,814$2,260$835
20 years$4,928$3,985$3,198$2,548$2,019$699
21 years$4,644$3,712$2,941$2,313$1,807$586
22 years$4,386$3,465$2,711$2,103$1,619$492
23 years$4,151$3,241$2,503$1,915$1,454$413
24 years$3,936$3,036$2,315$1,747$1,307$347
25 years$3,738$2,850$2,144$1,595$1,176$291
26 years$3,556$2,678$1,989$1,459$1,059$245
27 years$3,388$2,520$1,846$1,335$955$206
28 years$3,232$2,375$1,717$1,223$862$173
29 years$3,087$2,241$1,597$1,122$778$146
30 years$2,952$2,116$1,488$1,029$703$123
31 years$2,825$2,000$1,387$945$635$103
32 years$2,707$1,893$1,294$869$575$87
33 years$2,597$1,792$1,208$799$520$73
34 years$2,493$1,699$1,129$735$471$62
35 years$2,395$1,611$1,056$677$427$52
36 years$2,303$1,529$988$623$387$44
37 years$2,216$1,453$924$574$350$37
38 years$2,134$1,380$866$529$318$31
39 years$2,056$1,313$811$488$288$26
40 years$1,982$1,249$760$450$261$22
41 years$1,912$1,189$713$415$237$19
42 years$1,846$1,132$669$383$215$16
43 years$1,783$1,079$627$354$195$13
44 years$1,723$1,028$589$327$177$11
45 years$1,666$981$553$302$161$9
46 years$1,611$935$519$279$146$8
47 years$1,559$893$488$257$133$7
48 years$1,509$852$458$238$120$6
49 years$1,461$814$431$220$109$5
50 years$1,416$777$405$203$99$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,450,000, adding $3,588 every year, while hoping to spend $49,342 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: 54/41/5 Blend
34$1,450,000$1,450,000$1,450,000$1,450,000
35$1,601,601$1,524,751$1,502,276$1,686,207
36$1,712,465$1,546,964$1,500,103$1,765,940
37$1,832,983$1,568,612$1,496,203$1,846,894
38$1,964,088$1,589,615$1,490,467$1,933,780
39$2,106,807$1,609,888$1,482,779$2,027,165
40$2,262,267$1,629,339$1,473,018$2,127,678
41$2,431,713$1,647,870$1,461,059$2,236,007
42$2,616,510$1,665,379$1,446,767$2,352,917
43$2,818,166$1,681,754$1,430,005$2,479,248
44$3,038,335$1,696,876$1,410,626$2,615,926
45$3,278,842$1,710,620$1,388,479$2,763,977
46$3,541,695$1,722,851$1,363,404$2,924,528
47$3,829,103$1,733,427$1,335,234$3,098,825
48$4,143,502$1,742,194$1,303,794$3,288,242
49$4,487,569$1,748,992$1,268,901$3,494,295
50$4,864,257$1,753,648$1,230,365$3,718,655
51$5,276,813$1,755,979$1,187,985$3,963,168
52$5,728,817$1,755,791$1,141,551$4,229,869
53$6,224,209$1,752,878$1,090,846$4,521,002
54$6,767,330$1,747,020$1,035,640$4,839,046
55$7,362,958$1,737,985$975,695$5,186,731
56$8,016,360$1,725,526$910,761$5,567,072
57$8,733,333$1,709,382$840,576$5,983,394
58$9,520,266$1,689,274$764,868$6,439,366
59$10,384,194$1,664,909$683,352$6,939,032
60$11,332,868$1,635,976$595,731$7,486,857
61$12,374,825$1,602,144$501,692$8,087,762
62$13,519,472$1,563,063$400,913$8,747,178
63$14,777,168$1,518,363$293,054$9,471,094
64$16,159,328$1,467,653$177,761$10,266,116
65$17,678,529$1,410,516$54,664$11,139,529
66$19,348,622$1,346,515$0$12,099,370
67$21,184,872$1,275,184$0$13,158,593
68$23,204,093$1,196,033$0$14,326,259
69$25,424,814$1,108,542$0$15,610,249
70$27,867,447$1,012,162$0$17,022,474
71$30,554,481$906,313$0$18,576,069
72$33,510,696$790,380$0$20,285,515
73$36,763,394$663,716$0$22,166,781
74$40,342,657$525,635$0$24,237,473
75$44,281,632$375,415$0$26,517,005
76$48,616,838$212,290$0$29,026,781
77$53,388,518$35,454$0$31,790,400
78$58,641,011$0$0$34,833,884
79$64,423,174$0$0$38,256,274
80$70,788,843$0$0$42,041,815
81$77,797,337$0$0$46,209,809
82$85,514,020$0$0$50,799,149
83$94,010,917$0$0$55,852,694
84$103,367,394$0$0$61,417,670
85$113,670,903$0$0$67,546,115
86$125,017,812$0$0$74,295,372
87$137,514,308$0$0$81,728,630
88$151,277,404$0$0$89,915,516
89$166,436,040$0$0$98,932,758
90$183,132,299$0$0$108,864,903
91$201,522,751$0$0$119,805,119
92$221,779,923$0$0$131,856,070
93$244,093,935$0$0$145,130,890
94$268,674,289$0$0$159,754,244
95$295,751,847$0$0$175,863,511
96$325,581,007$0$0$193,610,074
97$358,442,111$0$0$213,160,754
98$394,644,079$0$0$234,699,381
99$434,527,336$0$0$258,428,529
100$478,467,017$0$0$284,571,429