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%13.9%
1 years$121,391$120,310$119,255$118,225$117,220$115,325
2 years$60,095$58,975$57,891$56,839$55,819$53,916
3 years$39,665$38,541$37,459$36,417$35,414$33,561
4 years$29,452$28,332$27,261$26,237$25,257$23,469
5 years$23,326$22,212$21,155$20,152$19,200$17,481
6 years$19,244$18,138$17,097$16,116$15,193$13,545
7 years$16,329$15,232$14,207$13,250$12,356$10,781
8 years$14,143$13,057$12,049$11,115$10,250$8,747
9 years$12,444$11,368$10,378$9,467$8,632$7,200
10 years$11,086$10,021$9,048$8,161$7,355$5,993
11 years$9,976$8,921$7,965$7,103$6,326$5,032
12 years$9,051$8,007$7,069$6,230$5,482$4,255
13 years$8,269$7,236$6,316$5,500$4,780$3,618
14 years$7,599$6,577$5,675$4,882$4,190$3,092
15 years$7,020$6,008$5,124$4,354$3,689$2,652
16 years$6,513$5,513$4,645$3,899$3,261$2,282
17 years$6,066$5,077$4,227$3,503$2,891$1,970
18 years$5,669$4,691$3,859$3,157$2,571$1,704
19 years$5,315$4,348$3,532$2,852$2,291$1,477
20 years$4,996$4,040$3,242$2,583$2,047$1,282
21 years$4,708$3,763$2,982$2,345$1,831$1,115
22 years$4,447$3,513$2,748$2,132$1,642$970
23 years$4,208$3,286$2,538$1,942$1,474$846
24 years$3,990$3,078$2,347$1,771$1,325$738
25 years$3,790$2,889$2,174$1,617$1,192$644
26 years$3,605$2,715$2,016$1,479$1,074$563
27 years$3,435$2,555$1,872$1,353$968$492
28 years$3,276$2,408$1,740$1,240$873$430
29 years$3,129$2,271$1,619$1,137$789$377
30 years$2,992$2,145$1,508$1,044$713$330
31 years$2,864$2,028$1,406$958$644$289
32 years$2,745$1,919$1,312$881$583$253
33 years$2,633$1,817$1,225$810$527$222
34 years$2,527$1,722$1,145$745$478$194
35 years$2,428$1,633$1,070$686$433$170
36 years$2,335$1,550$1,001$632$392$149
37 years$2,247$1,473$937$582$355$131
38 years$2,163$1,399$877$537$322$115
39 years$2,084$1,331$822$495$292$101
40 years$2,010$1,266$771$456$265$88
41 years$1,939$1,205$723$421$240$78
42 years$1,872$1,148$678$389$218$68
43 years$1,808$1,094$636$359$198$60
44 years$1,747$1,042$597$331$180$52
45 years$1,689$994$561$306$163$46
46 years$1,633$948$526$283$148$40
47 years$1,580$905$495$261$134$35
48 years$1,530$864$465$241$122$31
49 years$1,481$825$437$223$111$27
50 years$1,435$788$411$206$101$24

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 $4,176 every year, while hoping to spend $28,954 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: 70/10/20 Blend
34$1,470,000$1,470,000$1,470,000$1,470,000
35$1,624,248$1,546,338$1,523,553$1,729,716
36$1,759,114$1,591,301$1,543,785$1,845,565
37$1,906,766$1,637,498$1,563,724$1,968,512
38$2,068,478$1,684,957$1,583,331$2,102,371
39$2,245,652$1,733,709$1,602,562$2,248,218
40$2,439,833$1,783,785$1,621,372$2,407,238
41$2,652,722$1,835,216$1,639,713$2,580,738
42$2,886,192$1,888,034$1,657,536$2,770,156
43$3,142,307$1,942,271$1,674,787$2,977,075
44$3,423,340$1,997,961$1,691,410$3,203,242
45$3,731,795$2,055,135$1,707,347$3,450,579
46$4,070,429$2,113,828$1,722,534$3,721,204
47$4,442,281$2,174,073$1,736,907$4,017,451
48$4,850,697$2,235,906$1,750,396$4,341,891
49$5,299,363$2,299,360$1,762,930$4,697,356
50$5,792,341$2,364,472$1,774,431$5,086,967
51$6,334,104$2,431,276$1,784,819$5,514,162
52$6,929,582$2,499,808$1,794,010$5,982,731
53$7,584,205$2,570,104$1,801,915$6,496,848
54$8,303,956$2,642,200$1,808,440$7,061,111
55$9,095,425$2,716,134$1,813,489$7,680,590
56$9,965,874$2,791,941$1,816,957$8,360,869
57$10,923,305$2,869,657$1,818,737$9,108,102
58$11,976,533$2,949,321$1,818,715$9,929,068
59$13,135,270$3,030,968$1,816,772$10,831,241
60$14,410,217$3,114,636$1,812,784$11,822,852
61$15,813,167$3,200,361$1,806,620$12,912,975
62$17,357,110$3,288,179$1,798,142$14,111,608
63$19,056,362$3,378,126$1,787,207$15,429,766
64$20,926,696$3,470,239$1,773,663$16,879,591
65$22,985,492$3,564,553$1,757,353$18,474,460
66$25,251,899$3,661,103$1,738,111$20,229,115
67$27,747,019$3,759,924$1,715,764$22,159,802
68$30,494,103$3,861,048$1,690,131$24,284,423
69$33,518,771$3,964,510$1,661,020$26,622,706
70$36,849,256$4,070,341$1,628,234$29,196,390
71$40,516,664$4,178,571$1,591,564$32,029,434
72$44,555,275$4,289,232$1,550,793$35,148,238
73$49,002,860$4,402,352$1,505,691$38,581,895
74$53,901,041$4,517,957$1,456,022$42,362,466
75$59,295,684$4,636,073$1,401,535$46,525,283
76$65,237,327$4,756,724$1,341,970$51,109,281
77$71,781,663$4,879,932$1,277,054$56,157,366
78$78,990,060$5,005,716$1,206,503$61,716,823
79$86,930,144$5,134,094$1,130,018$67,839,757
80$95,676,434$5,265,080$1,047,289$74,583,591
81$105,311,046$5,398,685$957,990$82,011,604
82$115,924,472$5,534,919$861,781$90,193,530
83$127,616,425$5,673,787$758,308$99,206,217
84$140,496,788$5,815,291$647,199$109,134,353
85$154,686,649$5,959,428$528,068$120,071,264
86$170,319,439$6,106,193$400,511$132,119,796
87$187,542,199$6,255,573$264,106$145,393,288
88$206,516,962$6,407,554$118,411$160,016,639
89$227,422,281$6,562,114$0$176,127,490
90$250,454,922$6,719,226$0$193,885,434
91$275,831,713$6,878,857$0$213,477,195
92$303,791,594$7,040,967$0$235,061,791
93$334,597,871$7,205,509$0$258,842,332
94$368,540,704$7,372,429$0$285,042,640
95$405,939,843$7,541,665$0$313,909,363
96$447,147,645$7,713,144$0$345,714,302
97$492,552,404$7,886,788$0$380,756,976
98$542,582,012$8,062,504$0$419,367,453
99$597,708,003$8,240,192$0$461,909,461
100$658,449,998$8,419,740$0$508,783,823