Can I retire at age 35 with 1,470,000?

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 $1,470,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$121,391$120,310$119,255$118,225$117,220$114,666
2 years$60,095$58,975$57,891$56,839$55,819$53,259
3 years$39,665$38,541$37,459$36,417$35,414$32,927
4 years$29,452$28,332$27,261$26,237$25,257$22,864
5 years$23,326$22,212$21,155$20,152$19,200$16,906
6 years$19,244$18,138$17,097$16,116$15,193$13,000
7 years$16,329$15,232$14,207$13,250$12,356$10,266
8 years$14,143$13,057$12,049$11,115$10,250$8,262
9 years$12,444$11,368$10,378$9,467$8,632$6,744
10 years$11,086$10,021$9,048$8,161$7,355$5,565
11 years$9,976$8,921$7,965$7,103$6,326$4,632
12 years$9,051$8,007$7,069$6,230$5,482$3,881
13 years$8,269$7,236$6,316$5,500$4,780$3,270
14 years$7,599$6,577$5,675$4,882$4,190$2,768
15 years$7,020$6,008$5,124$4,354$3,689$2,351
16 years$6,513$5,513$4,645$3,899$3,261$2,004
17 years$6,066$5,077$4,227$3,503$2,891$1,712
18 years$5,669$4,691$3,859$3,157$2,571$1,466
19 years$5,315$4,348$3,532$2,852$2,291$1,257
20 years$4,996$4,040$3,242$2,583$2,047$1,080
21 years$4,708$3,763$2,982$2,345$1,831$929
22 years$4,447$3,513$2,748$2,132$1,642$800
23 years$4,208$3,286$2,538$1,942$1,474$690
24 years$3,990$3,078$2,347$1,771$1,325$595
25 years$3,790$2,889$2,174$1,617$1,192$514
26 years$3,605$2,715$2,016$1,479$1,074$444
27 years$3,435$2,555$1,872$1,353$968$384
28 years$3,276$2,408$1,740$1,240$873$332
29 years$3,129$2,271$1,619$1,137$789$287
30 years$2,992$2,145$1,508$1,044$713$249
31 years$2,864$2,028$1,406$958$644$215
32 years$2,745$1,919$1,312$881$583$186
33 years$2,633$1,817$1,225$810$527$161
34 years$2,527$1,722$1,145$745$478$140
35 years$2,428$1,633$1,070$686$433$121
36 years$2,335$1,550$1,001$632$392$105
37 years$2,247$1,473$937$582$355$91
38 years$2,163$1,399$877$537$322$79
39 years$2,084$1,331$822$495$292$68
40 years$2,010$1,266$771$456$265$59
41 years$1,939$1,205$723$421$240$51
42 years$1,872$1,148$678$389$218$45
43 years$1,808$1,094$636$359$198$39
44 years$1,747$1,042$597$331$180$33
45 years$1,689$994$561$306$163$29
46 years$1,633$948$526$283$148$25
47 years$1,580$905$495$261$134$22
48 years$1,530$864$465$241$122$19
49 years$1,481$825$437$223$111$16
50 years$1,435$788$411$206$101$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,470,000, adding $4,888 every year, while hoping to spend $22,599 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: 81/9/10 Blend
34$1,470,000$1,470,000$1,470,000$1,470,000
35$1,624,982$1,547,072$1,524,287$1,753,630
36$1,766,685$1,598,833$1,551,305$1,890,425
37$1,922,084$1,652,374$1,578,472$2,037,068
38$2,092,553$1,707,756$1,605,767$2,197,352
39$2,279,604$1,765,046$1,633,170$2,372,631
40$2,484,902$1,824,313$1,660,660$2,564,396
41$2,710,284$1,885,625$1,688,214$2,774,290
42$2,957,770$1,949,058$1,715,806$3,004,121
43$3,229,587$2,014,687$1,743,410$3,255,882
44$3,528,188$2,082,590$1,770,998$3,531,767
45$3,856,276$2,152,850$1,798,539$3,834,192
46$4,216,828$2,225,551$1,826,002$4,165,820
47$4,613,124$2,300,782$1,853,352$4,529,584
48$5,048,776$2,378,633$1,880,553$4,928,713
49$5,527,765$2,459,201$1,907,566$5,366,766
50$6,054,478$2,542,583$1,934,350$5,847,663
51$6,633,747$2,628,881$1,960,862$6,375,723
52$7,270,894$2,718,202$1,987,057$6,955,703
53$7,971,787$2,810,655$2,012,885$7,592,844
54$8,742,888$2,906,356$2,038,295$8,292,921
55$9,591,317$3,005,422$2,063,232$9,062,296
56$10,524,920$3,107,976$2,087,640$9,907,977
57$11,552,343$3,214,148$2,111,456$10,837,687
58$12,683,110$3,324,069$2,134,618$11,859,936
59$13,927,717$3,437,878$2,157,057$12,984,096
60$15,297,728$3,555,718$2,178,703$14,220,497
61$16,805,886$3,677,738$2,199,479$15,580,520
62$18,466,231$3,804,092$2,219,306$17,076,704
63$20,294,235$3,934,941$2,238,101$18,722,866
64$22,306,945$4,070,451$2,255,776$20,534,230
65$24,523,147$4,210,797$2,272,238$22,527,570
66$26,963,539$4,356,157$2,287,390$24,721,371
67$29,650,932$4,506,720$2,301,128$27,135,999
68$32,610,457$4,662,680$2,313,346$29,793,897
69$35,869,810$4,824,238$2,323,930$32,719,792
70$39,459,510$4,991,604$2,332,761$35,940,934
71$43,413,184$5,164,998$2,339,713$39,487,348
72$47,767,891$5,344,645$2,344,655$43,392,120
73$52,564,465$5,530,781$2,347,450$47,691,709
74$57,847,903$5,723,652$2,347,952$52,426,288
75$63,667,791$5,923,512$2,346,010$57,640,127
76$70,078,768$6,130,627$2,341,464$63,382,006
77$77,141,046$6,345,271$2,334,147$69,705,682
78$84,920,975$6,567,732$2,323,883$76,670,388
79$93,491,670$6,798,307$2,310,489$84,341,398
80$102,933,702$7,037,306$2,293,772$92,790,641
81$113,335,857$7,285,051$2,273,530$102,097,378
82$124,795,973$7,541,877$2,249,553$112,348,952
83$137,421,867$7,808,133$2,221,617$123,641,613
84$151,332,348$8,084,183$2,189,492$136,081,422
85$166,658,342$8,370,402$2,152,934$149,785,258
86$183,544,125$8,667,184$2,111,690$164,881,915
87$202,148,687$8,974,937$2,065,493$181,513,322
88$222,647,230$9,294,087$2,014,064$199,835,881
89$245,232,826$9,625,075$1,957,113$220,021,941
90$270,118,233$9,968,362$1,894,336$242,261,429
91$297,537,909$10,324,428$1,825,412$266,763,638
92$327,750,221$10,693,771$1,750,009$293,759,207
93$361,039,888$11,076,910$1,667,779$323,502,292
94$397,720,664$11,474,387$1,578,357$356,272,971
95$438,138,303$11,886,762$1,481,363$392,379,885
96$482,673,820$12,314,624$1,376,398$432,163,151
97$531,747,090$12,758,580$1,263,048$475,997,573
98$585,820,810$13,219,268$1,140,877$524,296,178
99$645,404,869$13,697,348$1,009,433$577,514,120
100$711,061,157$14,193,510$868,241$636,152,970