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%14.4%
1 years$121,391$120,310$119,255$118,225$117,220$115,089
2 years$60,095$58,975$57,891$56,839$55,819$53,679
3 years$39,665$38,541$37,459$36,417$35,414$33,333
4 years$29,452$28,332$27,261$26,237$25,257$23,251
5 years$23,326$22,212$21,155$20,152$19,200$17,274
6 years$19,244$18,138$17,097$16,116$15,193$13,348
7 years$16,329$15,232$14,207$13,250$12,356$10,594
8 years$14,143$13,057$12,049$11,115$10,250$8,571
9 years$12,444$11,368$10,378$9,467$8,632$7,034
10 years$11,086$10,021$9,048$8,161$7,355$5,837
11 years$9,976$8,921$7,965$7,103$6,326$4,885
12 years$9,051$8,007$7,069$6,230$5,482$4,118
13 years$8,269$7,236$6,316$5,500$4,780$3,490
14 years$7,599$6,577$5,675$4,882$4,190$2,972
15 years$7,020$6,008$5,124$4,354$3,689$2,541
16 years$6,513$5,513$4,645$3,899$3,261$2,179
17 years$6,066$5,077$4,227$3,503$2,891$1,874
18 years$5,669$4,691$3,859$3,157$2,571$1,615
19 years$5,315$4,348$3,532$2,852$2,291$1,394
20 years$4,996$4,040$3,242$2,583$2,047$1,206
21 years$4,708$3,763$2,982$2,345$1,831$1,045
22 years$4,447$3,513$2,748$2,132$1,642$906
23 years$4,208$3,286$2,538$1,942$1,474$787
24 years$3,990$3,078$2,347$1,771$1,325$683
25 years$3,790$2,889$2,174$1,617$1,192$594
26 years$3,605$2,715$2,016$1,479$1,074$517
27 years$3,435$2,555$1,872$1,353$968$450
28 years$3,276$2,408$1,740$1,240$873$392
29 years$3,129$2,271$1,619$1,137$789$342
30 years$2,992$2,145$1,508$1,044$713$298
31 years$2,864$2,028$1,406$958$644$260
32 years$2,745$1,919$1,312$881$583$227
33 years$2,633$1,817$1,225$810$527$198
34 years$2,527$1,722$1,145$745$478$173
35 years$2,428$1,633$1,070$686$433$151
36 years$2,335$1,550$1,001$632$392$132
37 years$2,247$1,473$937$582$355$115
38 years$2,163$1,399$877$537$322$100
39 years$2,084$1,331$822$495$292$88
40 years$2,010$1,266$771$456$265$77
41 years$1,939$1,205$723$421$240$67
42 years$1,872$1,148$678$389$218$58
43 years$1,808$1,094$636$359$198$51
44 years$1,747$1,042$597$331$180$45
45 years$1,689$994$561$306$163$39
46 years$1,633$948$526$283$148$34
47 years$1,580$905$495$261$134$30
48 years$1,530$864$465$241$122$26
49 years$1,481$825$437$223$111$23
50 years$1,435$788$411$206$101$20

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 $2,076 every year, while hoping to spend $30,026 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: 63/10/27 Blend
34$1,470,000$1,470,000$1,470,000$1,470,000
35$1,622,081$1,544,171$1,521,386$1,712,498
36$1,755,586$1,587,888$1,540,405$1,817,744
37$1,901,702$1,632,741$1,559,055$1,929,174
38$2,061,684$1,678,754$1,577,292$2,050,240
39$2,236,913$1,725,950$1,595,068$2,181,890
40$2,428,911$1,774,354$1,612,336$2,325,169
41$2,639,354$1,823,992$1,629,043$2,481,229
42$2,870,087$1,874,886$1,645,135$2,651,338
43$3,123,142$1,927,062$1,660,553$2,836,895
44$3,400,759$1,980,544$1,675,238$3,039,438
45$3,705,402$2,035,357$1,689,124$3,260,666
46$4,039,789$2,091,525$1,702,146$3,502,447
47$4,406,911$2,149,073$1,714,232$3,766,842
48$4,810,065$2,208,026$1,725,307$4,056,120
49$5,252,879$2,268,407$1,735,292$4,372,784
50$5,739,355$2,330,241$1,744,107$4,719,588
51$6,273,898$2,393,552$1,751,663$5,099,571
52$6,861,361$2,458,362$1,757,870$5,516,079
53$7,507,093$2,524,695$1,762,631$5,972,802
54$8,216,985$2,592,573$1,765,848$6,473,802
55$8,997,527$2,662,018$1,767,413$7,023,560
56$9,855,870$2,733,053$1,767,217$7,627,012
57$10,799,893$2,805,696$1,765,143$8,289,597
58$11,838,276$2,879,969$1,761,069$9,017,311
59$12,980,583$2,955,891$1,754,867$9,816,758
60$14,237,351$3,033,479$1,746,405$10,695,220
61$15,620,192$3,112,750$1,735,540$11,660,721
62$17,141,897$3,193,720$1,722,126$12,722,101
63$18,816,562$3,276,404$1,706,009$13,889,107
64$20,659,719$3,360,815$1,687,027$15,172,476
65$22,688,478$3,446,963$1,665,011$16,584,044
66$24,921,698$3,534,859$1,639,784$18,136,853
67$27,380,154$3,624,511$1,611,160$19,845,278
68$30,086,741$3,715,923$1,578,945$21,725,158
69$33,066,685$3,809,099$1,542,935$23,793,952
70$36,347,782$3,904,041$1,502,919$26,070,899
71$39,960,663$4,000,745$1,458,674$28,577,202
72$43,939,078$4,099,209$1,409,967$31,336,226
73$48,320,218$4,199,424$1,356,555$34,373,725
74$53,145,063$4,301,380$1,298,183$37,718,077
75$58,458,773$4,405,060$1,234,585$41,400,558
76$64,311,108$4,510,448$1,165,484$45,455,637
77$70,756,901$4,617,521$1,090,588$49,921,298
78$77,856,577$4,726,251$1,009,594$54,839,404
79$85,676,717$4,836,606$922,184$60,256,089
80$94,290,692$4,948,550$828,028$66,222,195
81$103,779,354$5,062,040$726,778$72,793,754
82$114,231,797$5,177,029$618,074$80,032,513
83$125,746,197$5,293,460$501,536$88,006,523
84$138,430,743$5,411,274$376,772$96,790,778
85$152,404,653$5,530,401$243,368$106,467,924
86$167,799,303$5,650,765$100,896$117,129,043
87$184,759,462$5,772,283$0$128,874,510
88$203,444,663$5,894,861$0$141,829,675
89$224,030,706$6,018,397$0$156,133,687
90$246,711,319$6,142,778$0$171,891,930
91$271,699,982$6,267,883$0$189,252,605
92$299,231,949$6,393,578$0$208,379,020
93$329,566,461$6,519,717$0$229,451,143
94$362,989,198$6,646,141$0$252,667,290
95$399,814,974$6,772,679$0$278,246,006
96$440,390,706$6,899,145$0$306,428,120
97$485,098,693$7,025,339$0$337,479,026
98$534,360,221$7,151,042$0$371,691,180
99$588,639,541$7,276,020$0$409,386,868
100$648,448,250$7,400,021$0$450,921,245