Can I retire at age 35 with 1,460,000?

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 $1,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$120,565$119,492$118,444$117,421$116,422$115,786
2 years$59,686$58,574$57,497$56,452$55,439$54,797
3 years$39,395$38,279$37,204$36,170$35,173$34,545
4 years$29,252$28,139$27,075$26,058$25,086$24,476
5 years$23,168$22,061$21,011$20,015$19,070$18,481
6 years$19,113$18,015$16,980$16,006$15,089$14,522
7 years$16,217$15,129$14,111$13,160$12,272$11,726
8 years$14,047$12,968$11,967$11,039$10,180$9,657
9 years$12,360$11,291$10,307$9,403$8,573$8,072
10 years$11,011$9,953$8,986$8,106$7,305$6,825
11 years$9,908$8,860$7,911$7,054$6,283$5,823
12 years$8,989$7,952$7,021$6,188$5,444$5,006
13 years$8,213$7,187$6,273$5,463$4,748$4,330
14 years$7,548$6,532$5,636$4,849$4,162$3,764
15 years$6,972$5,968$5,089$4,325$3,664$3,286
16 years$6,468$5,475$4,614$3,872$3,238$2,879
17 years$6,025$5,042$4,198$3,479$2,871$2,530
18 years$5,631$4,659$3,832$3,135$2,553$2,229
19 years$5,279$4,318$3,508$2,833$2,276$1,969
20 years$4,962$4,013$3,220$2,566$2,033$1,742
21 years$4,676$3,738$2,962$2,329$1,819$1,545
22 years$4,416$3,489$2,730$2,117$1,631$1,371
23 years$4,180$3,263$2,520$1,928$1,464$1,219
24 years$3,963$3,057$2,331$1,759$1,316$1,085
25 years$3,764$2,869$2,159$1,606$1,184$967
26 years$3,581$2,697$2,002$1,469$1,066$862
27 years$3,411$2,538$1,859$1,344$961$769
28 years$3,254$2,391$1,728$1,232$867$687
29 years$3,108$2,256$1,608$1,129$783$614
30 years$2,972$2,131$1,498$1,037$708$549
31 years$2,845$2,014$1,397$952$640$491
32 years$2,726$1,906$1,303$875$579$440
33 years$2,615$1,805$1,217$805$524$394
34 years$2,510$1,710$1,137$740$474$353
35 years$2,412$1,622$1,063$681$430$316
36 years$2,319$1,540$994$628$389$283
37 years$2,231$1,463$931$578$353$254
38 years$2,149$1,390$872$533$320$228
39 years$2,070$1,322$817$491$290$204
40 years$1,996$1,257$765$453$263$183
41 years$1,926$1,197$718$418$239$164
42 years$1,859$1,140$673$386$217$148
43 years$1,795$1,086$632$356$197$132
44 years$1,735$1,035$593$329$178$119
45 years$1,677$987$557$304$162$107
46 years$1,622$942$523$281$147$96
47 years$1,570$899$491$259$134$86
48 years$1,519$858$462$240$121$77
49 years$1,471$819$434$221$110$69
50 years$1,425$783$408$205$100$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,460,000, adding $6,746 every year, while hoping to spend $33,997 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: 31/48/21 Blend
34$1,460,000$1,460,000$1,460,000$1,460,000
35$1,615,878$1,538,498$1,515,868$1,655,245
36$1,744,526$1,577,712$1,530,478$1,724,791
37$1,885,155$1,617,708$1,544,437$1,796,072
38$2,038,954$1,658,489$1,557,688$1,872,095
39$2,207,227$1,700,055$1,570,171$1,953,295
40$2,391,414$1,742,407$1,581,821$2,040,149
41$2,593,098$1,785,545$1,592,572$2,133,182
42$2,814,024$1,829,466$1,602,353$2,232,975
43$3,056,111$1,874,167$1,611,088$2,340,166
44$3,321,476$1,919,642$1,618,701$2,455,458
45$3,612,447$1,965,886$1,625,108$2,579,625
46$3,931,591$2,012,889$1,630,224$2,713,522
47$4,281,734$2,060,641$1,633,957$2,858,089
48$4,665,989$2,109,130$1,636,213$3,014,363
49$5,087,785$2,158,343$1,636,891$3,183,486
50$5,550,898$2,208,261$1,635,886$3,366,718
51$6,059,491$2,258,866$1,633,089$3,565,446
52$6,618,145$2,310,137$1,628,384$3,781,201
53$7,231,910$2,362,049$1,621,649$4,015,669
54$7,906,350$2,414,573$1,612,759$4,270,709
55$8,647,590$2,467,680$1,601,579$4,548,369
56$9,462,383$2,521,336$1,587,971$4,850,910
57$10,358,167$2,575,501$1,571,788$5,180,820
58$11,343,134$2,630,136$1,552,878$5,540,846
59$12,426,315$2,685,193$1,531,080$5,934,013
60$13,617,654$2,740,622$1,506,226$6,363,659
61$14,928,111$2,796,369$1,478,141$6,833,461
62$16,369,761$2,852,374$1,446,642$7,347,474
63$17,955,907$2,908,571$1,411,534$7,910,169
64$19,701,207$2,964,889$1,372,619$8,526,473
65$21,621,813$3,021,251$1,329,684$9,201,820
66$23,735,520$3,077,574$1,282,510$9,942,200
67$26,061,935$3,133,767$1,230,867$10,754,216
68$28,622,665$3,189,734$1,174,513$11,645,148
69$31,441,515$3,245,370$1,113,198$12,623,021
70$34,544,717$3,300,560$1,046,658$13,696,682
71$37,961,175$3,355,185$974,618$14,875,885
72$41,722,738$3,409,112$896,790$16,171,382
73$45,864,501$3,462,201$812,876$17,595,026
74$50,425,133$3,514,303$722,561$19,159,885
75$55,447,247$3,565,254$625,517$20,880,363
76$60,977,798$3,614,883$521,403$22,772,340
77$67,068,525$3,663,004$409,862$24,853,321
78$73,776,443$3,709,419$290,521$27,142,602
79$81,164,376$3,753,917$162,989$29,661,455
80$89,301,555$3,796,271$26,862$32,433,329
81$98,264,266$3,836,241$0$35,484,071
82$108,136,573$3,873,569$0$38,868,706
83$119,011,110$3,907,980$0$42,600,257
84$130,989,954$3,939,183$0$46,707,423
85$144,185,592$3,966,865$0$51,228,474
86$158,721,977$3,990,696$0$56,205,586
87$174,735,701$4,010,322$0$61,685,245
88$192,377,283$4,025,369$0$67,718,680
89$211,812,591$4,035,436$0$74,362,354
90$233,224,404$4,040,102$0$81,678,494
91$256,814,140$4,038,914$0$89,735,679
92$282,803,756$4,031,394$0$98,609,494
93$311,437,842$4,017,035$0$108,383,239
94$342,985,930$3,995,298$0$119,148,718
95$377,745,037$3,965,610$0$131,007,110
96$416,042,472$3,927,366$0$144,069,923
97$458,238,920$3,879,923$0$158,460,050
98$504,731,849$3,822,598$0$174,312,930
99$555,959,262$3,754,670$0$191,777,829
100$612,403,832$3,675,374$0$211,019,250