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%13.3%
1 years$120,565$119,492$118,444$117,421$116,422$114,825
2 years$59,686$58,574$57,497$56,452$55,439$53,833
3 years$39,395$38,279$37,204$36,170$35,173$33,607
4 years$29,252$28,139$27,075$26,058$25,086$23,573
5 years$23,168$22,061$21,011$20,015$19,070$17,614
6 years$19,113$18,015$16,980$16,006$15,089$13,692
7 years$16,217$15,129$14,111$13,160$12,272$10,934
8 years$14,047$12,968$11,967$11,039$10,180$8,903
9 years$12,360$11,291$10,307$9,403$8,573$7,354
10 years$11,011$9,953$8,986$8,106$7,305$6,144
11 years$9,908$8,860$7,911$7,054$6,283$5,178
12 years$8,989$7,952$7,021$6,188$5,444$4,395
13 years$8,213$7,187$6,273$5,463$4,748$3,752
14 years$7,548$6,532$5,636$4,849$4,162$3,219
15 years$6,972$5,968$5,089$4,325$3,664$2,773
16 years$6,468$5,475$4,614$3,872$3,238$2,396
17 years$6,025$5,042$4,198$3,479$2,871$2,077
18 years$5,631$4,659$3,832$3,135$2,553$1,804
19 years$5,279$4,318$3,508$2,833$2,276$1,570
20 years$4,962$4,013$3,220$2,566$2,033$1,370
21 years$4,676$3,738$2,962$2,329$1,819$1,196
22 years$4,416$3,489$2,730$2,117$1,631$1,046
23 years$4,180$3,263$2,520$1,928$1,464$916
24 years$3,963$3,057$2,331$1,759$1,316$803
25 years$3,764$2,869$2,159$1,606$1,184$704
26 years$3,581$2,697$2,002$1,469$1,066$618
27 years$3,411$2,538$1,859$1,344$961$543
28 years$3,254$2,391$1,728$1,232$867$477
29 years$3,108$2,256$1,608$1,129$783$420
30 years$2,972$2,131$1,498$1,037$708$369
31 years$2,845$2,014$1,397$952$640$325
32 years$2,726$1,906$1,303$875$579$286
33 years$2,615$1,805$1,217$805$524$252
34 years$2,510$1,710$1,137$740$474$222
35 years$2,412$1,622$1,063$681$430$196
36 years$2,319$1,540$994$628$389$172
37 years$2,231$1,463$931$578$353$152
38 years$2,149$1,390$872$533$320$134
39 years$2,070$1,322$817$491$290$118
40 years$1,996$1,257$765$453$263$104
41 years$1,926$1,197$718$418$239$92
42 years$1,859$1,140$673$386$217$81
43 years$1,795$1,086$632$356$197$71
44 years$1,735$1,035$593$329$178$63
45 years$1,677$987$557$304$162$56
46 years$1,622$942$523$281$147$49
47 years$1,570$899$491$259$134$43
48 years$1,519$858$462$240$121$38
49 years$1,471$819$434$221$110$34
50 years$1,425$783$408$205$100$30

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 $4,585 every year, while hoping to spend $46,492 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: 49/45/6 Blend
34$1,460,000$1,460,000$1,460,000$1,460,000
35$1,613,649$1,536,269$1,513,639$1,690,045
36$1,728,775$1,562,080$1,514,879$1,768,484
37$1,854,084$1,587,596$1,514,602$1,848,292
38$1,990,568$1,612,756$1,512,709$1,933,868
39$2,139,316$1,637,490$1,509,094$2,025,763
40$2,301,525$1,661,726$1,503,648$2,124,583
41$2,478,516$1,685,386$1,496,255$2,230,995
42$2,671,740$1,708,386$1,486,796$2,345,738
43$2,882,796$1,730,635$1,475,142$2,469,623
44$3,113,444$1,752,039$1,461,162$2,603,548
45$3,365,621$1,772,495$1,444,717$2,748,503
46$3,641,460$1,791,893$1,425,661$2,905,578
47$3,943,310$1,810,117$1,403,841$3,075,978
48$4,273,757$1,827,042$1,379,099$3,261,030
49$4,635,649$1,842,535$1,351,267$3,462,200
50$5,032,122$1,856,456$1,320,171$3,681,103
51$5,466,629$1,868,653$1,285,628$3,919,522
52$5,942,975$1,878,967$1,247,446$4,179,424
53$6,465,349$1,887,227$1,205,426$4,462,978
54$7,038,365$1,893,252$1,159,358$4,772,578
55$7,667,106$1,896,848$1,109,024$5,110,864
56$8,357,169$1,897,812$1,054,195$5,480,747
57$9,114,721$1,895,926$994,631$5,885,441
58$9,946,555$1,890,958$930,084$6,328,488
59$10,860,153$1,882,665$860,291$6,813,798
60$11,863,757$1,870,785$784,980$7,345,682
61$12,966,450$1,855,042$703,866$7,928,896
62$14,178,234$1,835,145$616,652$8,568,685
63$15,510,130$1,810,783$523,025$9,270,834
64$16,974,279$1,781,628$422,662$10,041,726
65$18,584,058$1,747,330$315,224$10,888,397
66$20,354,204$1,707,521$200,356$11,818,609
67$22,300,954$1,661,811$77,690$12,840,924
68$24,442,197$1,609,786$0$13,964,781
69$26,797,643$1,551,007$0$15,204,000
70$29,389,008$1,485,012$0$16,572,185
71$32,240,220$1,411,311$0$18,077,045
72$35,377,642$1,329,384$0$19,732,573
73$38,830,322$1,238,684$0$21,554,193
74$42,630,266$1,138,631$0$23,558,916
75$46,812,741$1,028,612$0$25,765,495
76$51,416,605$907,979$0$28,194,607
77$56,484,676$776,046$0$30,869,050
78$62,064,132$632,092$0$33,813,959
79$68,206,961$475,352$0$37,057,043
80$74,970,445$305,019$0$40,628,854
81$82,417,706$120,240$0$44,563,075
82$90,618,296$0$0$48,896,836
83$99,648,856$0$0$53,710,632
84$109,593,840$0$0$59,077,645
85$120,546,307$0$0$64,988,582
86$132,608,804$0$0$71,498,813
87$145,894,328$0$0$78,669,351
88$160,527,398$0$0$86,567,430
89$176,645,225$0$0$95,267,138
90$194,399,006$0$0$104,850,116
91$213,955,357$0$0$115,406,328
92$235,497,876$0$0$127,034,911
93$259,228,883$0$0$139,845,109
94$285,371,325$0$0$153,957,306
95$314,170,880$0$0$169,504,159
96$345,898,278$0$0$186,631,851
97$380,851,853$0$0$205,501,474
98$419,360,358$0$0$226,290,543
99$461,786,072$0$0$249,194,677
100$508,528,214$0$0$274,429,441