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%11.5%
1 years$120,565$119,492$118,444$117,421$116,422$115,689
2 years$59,686$58,574$57,497$56,452$55,439$54,699
3 years$39,395$38,279$37,204$36,170$35,173$34,449
4 years$29,252$28,139$27,075$26,058$25,086$24,384
5 years$23,168$22,061$21,011$20,015$19,070$18,392
6 years$19,113$18,015$16,980$16,006$15,089$14,437
7 years$16,217$15,129$14,111$13,160$12,272$11,645
8 years$14,047$12,968$11,967$11,039$10,180$9,579
9 years$12,360$11,291$10,307$9,403$8,573$7,997
10 years$11,011$9,953$8,986$8,106$7,305$6,754
11 years$9,908$8,860$7,911$7,054$6,283$5,756
12 years$8,989$7,952$7,021$6,188$5,444$4,942
13 years$8,213$7,187$6,273$5,463$4,748$4,268
14 years$7,548$6,532$5,636$4,849$4,162$3,706
15 years$6,972$5,968$5,089$4,325$3,664$3,231
16 years$6,468$5,475$4,614$3,872$3,238$2,827
17 years$6,025$5,042$4,198$3,479$2,871$2,481
18 years$5,631$4,659$3,832$3,135$2,553$2,183
19 years$5,279$4,318$3,508$2,833$2,276$1,925
20 years$4,962$4,013$3,220$2,566$2,033$1,701
21 years$4,676$3,738$2,962$2,329$1,819$1,506
22 years$4,416$3,489$2,730$2,117$1,631$1,335
23 years$4,180$3,263$2,520$1,928$1,464$1,185
24 years$3,963$3,057$2,331$1,759$1,316$1,053
25 years$3,764$2,869$2,159$1,606$1,184$937
26 years$3,581$2,697$2,002$1,469$1,066$834
27 years$3,411$2,538$1,859$1,344$961$743
28 years$3,254$2,391$1,728$1,232$867$663
29 years$3,108$2,256$1,608$1,129$783$591
30 years$2,972$2,131$1,498$1,037$708$528
31 years$2,845$2,014$1,397$952$640$472
32 years$2,726$1,906$1,303$875$579$421
33 years$2,615$1,805$1,217$805$524$377
34 years$2,510$1,710$1,137$740$474$337
35 years$2,412$1,622$1,063$681$430$301
36 years$2,319$1,540$994$628$389$270
37 years$2,231$1,463$931$578$353$241
38 years$2,149$1,390$872$533$320$216
39 years$2,070$1,322$817$491$290$193
40 years$1,996$1,257$765$453$263$173
41 years$1,926$1,197$718$418$239$155
42 years$1,859$1,140$673$386$217$139
43 years$1,795$1,086$632$356$197$125
44 years$1,735$1,035$593$329$178$112
45 years$1,677$987$557$304$162$100
46 years$1,622$942$523$281$147$90
47 years$1,570$899$491$259$134$80
48 years$1,519$858$462$240$121$72
49 years$1,471$819$434$221$110$65
50 years$1,425$783$408$205$100$58

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 $3,200 every year, while hoping to spend $43,794 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: 56/32/12 Blend
34$1,460,000$1,460,000$1,460,000$1,460,000
35$1,612,221$1,534,841$1,512,211$1,697,440
36$1,730,071$1,563,452$1,516,273$1,784,108
37$1,858,474$1,591,996$1,519,004$1,873,382
38$1,998,460$1,620,426$1,520,313$1,969,592
39$2,151,163$1,648,687$1,520,103$2,073,408
40$2,317,830$1,676,722$1,518,276$2,185,570
41$2,499,837$1,704,468$1,514,725$2,306,891
42$2,698,693$1,731,861$1,509,342$2,438,269
43$2,916,065$1,758,827$1,502,010$2,580,692
44$3,153,786$1,785,292$1,492,610$2,735,252
45$3,413,873$1,811,172$1,481,013$2,903,150
46$3,698,548$1,836,379$1,467,087$3,085,713
47$4,010,259$1,860,821$1,450,693$3,284,401
48$4,351,699$1,884,395$1,431,685$3,500,825
49$4,725,837$1,906,995$1,409,911$3,736,763
50$5,135,941$1,928,506$1,385,212$3,994,172
51$5,585,609$1,948,805$1,357,418$4,275,212
52$6,078,806$1,967,761$1,326,357$4,582,265
53$6,619,898$1,985,235$1,291,844$4,917,954
54$7,213,695$2,001,079$1,253,688$5,285,175
55$7,865,494$2,015,134$1,211,688$5,687,120
56$8,581,130$2,027,232$1,165,636$6,127,306
57$9,367,032$2,037,193$1,115,312$6,609,614
58$10,230,281$2,044,827$1,060,486$7,138,322
59$11,178,677$2,049,931$1,000,920$7,718,145
60$12,220,815$2,052,290$936,363$8,354,285
61$13,366,160$2,051,675$866,554$9,052,474
62$14,625,144$2,047,842$791,219$9,819,033
63$16,009,257$2,040,534$710,073$10,660,932
64$17,531,158$2,029,477$622,817$11,585,855
65$19,204,795$2,014,381$529,140$12,602,274
66$21,045,535$1,994,937$428,718$13,719,527
67$23,070,309$1,970,818$321,209$14,947,912
68$25,297,771$1,941,678$206,260$16,298,780
69$27,748,474$1,907,151$83,500$17,784,648
70$30,445,065$1,866,847$0$19,419,311
71$33,412,494$1,820,355$0$21,224,063
72$36,678,255$1,767,240$0$23,221,394
73$40,272,641$1,707,038$0$25,419,142
74$44,229,030$1,639,263$0$27,837,740
75$48,584,201$1,563,397$0$30,499,711
76$53,378,680$1,478,893$0$33,429,881
77$58,657,120$1,385,174$0$36,655,613
78$64,468,726$1,281,628$0$40,207,066
79$70,867,717$1,167,608$0$44,117,482
80$77,913,835$1,042,432$0$48,423,501
81$85,672,912$905,376$0$53,165,504
82$94,217,488$755,679$0$58,388,003
83$103,627,498$592,534$0$64,140,055
84$113,991,023$415,089$0$70,475,731
85$125,405,125$222,445$0$77,454,628
86$137,976,755$13,652$0$85,142,428
87$151,823,772$0$0$93,611,528
88$167,076,045$0$0$103,016,471
89$183,876,688$0$0$113,381,664
90$202,383,401$0$0$124,799,619
91$222,769,965$0$0$137,377,575
92$245,227,877$0$0$151,233,708
93$269,968,160$0$0$166,498,240
94$297,223,354$0$0$183,314,673
95$327,249,708$0$0$201,841,141
96$360,329,602$0$0$222,251,903
97$396,774,209$0$0$244,738,985
98$436,926,432$0$0$269,513,998
99$481,164,141$0$0$296,810,129
100$529,903,739$0$0$326,884,344