Can I retire at age 35 with 1,480,000?

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 $1,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$122,217$121,128$120,066$119,030$118,017$116,931
2 years$60,503$59,377$58,285$57,226$56,199$55,104
3 years$39,935$38,803$37,714$36,665$35,655$34,586
4 years$29,653$28,525$27,446$26,415$25,429$24,394
5 years$23,485$22,364$21,299$20,289$19,331$18,333
6 years$19,375$18,262$17,213$16,226$15,296$14,336
7 years$16,440$15,336$14,304$13,340$12,440$11,519
8 years$14,239$13,146$12,131$11,191$10,320$9,438
9 years$12,529$11,446$10,448$9,532$8,691$7,847
10 years$11,162$10,089$9,109$8,217$7,405$6,599
11 years$10,044$8,982$8,020$7,151$6,369$5,600
12 years$9,112$8,061$7,117$6,272$5,519$4,787
13 years$8,325$7,285$6,359$5,537$4,813$4,116
14 years$7,651$6,622$5,713$4,916$4,219$3,557
15 years$7,067$6,049$5,158$4,384$3,714$3,086
16 years$6,557$5,550$4,677$3,925$3,283$2,688
17 years$6,107$5,111$4,256$3,527$2,911$2,347
18 years$5,708$4,723$3,885$3,178$2,588$2,055
19 years$5,351$4,377$3,556$2,872$2,307$1,804
20 years$5,030$4,068$3,264$2,601$2,061$1,586
21 years$4,740$3,789$3,002$2,361$1,844$1,396
22 years$4,477$3,537$2,767$2,146$1,653$1,231
23 years$4,237$3,308$2,555$1,955$1,484$1,087
24 years$4,017$3,099$2,363$1,783$1,334$961
25 years$3,816$2,909$2,188$1,628$1,200$850
26 years$3,630$2,734$2,030$1,489$1,081$753
27 years$3,458$2,573$1,885$1,363$975$667
28 years$3,299$2,424$1,752$1,248$879$592
29 years$3,151$2,287$1,630$1,145$794$525
30 years$3,013$2,160$1,519$1,051$717$466
31 years$2,884$2,042$1,416$965$649$414
32 years$2,763$1,932$1,321$887$587$368
33 years$2,650$1,829$1,233$816$531$327
34 years$2,544$1,734$1,152$750$481$291
35 years$2,445$1,645$1,077$691$435$258
36 years$2,351$1,561$1,008$636$395$230
37 years$2,262$1,483$943$586$358$205
38 years$2,178$1,409$883$540$324$182
39 years$2,099$1,340$828$498$294$162
40 years$2,023$1,275$776$459$267$144
41 years$1,952$1,213$727$424$242$128
42 years$1,884$1,156$682$391$220$114
43 years$1,820$1,101$640$361$199$102
44 years$1,758$1,050$601$333$181$91
45 years$1,700$1,001$564$308$164$81
46 years$1,644$955$530$284$149$72
47 years$1,591$911$498$263$135$64
48 years$1,540$870$468$243$123$57
49 years$1,492$831$440$224$112$51
50 years$1,445$793$414$207$101$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,480,000, adding $2,935 every year, while hoping to spend $50,556 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: 44/45/11 Blend
34$1,480,000$1,480,000$1,480,000$1,480,000
35$1,633,987$1,555,547$1,532,607$1,700,605
36$1,746,863$1,577,978$1,530,159$1,769,658
37$1,869,557$1,599,813$1,525,933$1,839,097
38$2,003,019$1,620,971$1,519,819$1,913,225
39$2,148,290$1,641,362$1,511,696$1,992,494
40$2,306,520$1,660,893$1,501,442$2,077,402
41$2,478,971$1,679,463$1,488,926$2,168,498
42$2,667,033$1,696,964$1,474,013$2,266,391
43$2,872,237$1,713,281$1,456,558$2,371,753
44$3,096,266$1,728,293$1,436,414$2,485,325
45$3,340,975$1,741,868$1,413,423$2,607,927
46$3,608,404$1,753,869$1,387,422$2,740,466
47$3,900,800$1,764,148$1,358,240$2,883,940
48$4,220,637$1,772,547$1,325,697$3,039,456
49$4,570,639$1,778,899$1,289,605$3,208,234
50$4,953,806$1,783,026$1,249,768$3,391,622
51$5,373,439$1,784,740$1,205,981$3,591,110
52$5,833,178$1,783,840$1,158,028$3,808,342
53$6,337,026$1,780,112$1,105,687$4,045,135
54$6,889,396$1,773,331$1,048,721$4,303,494
55$7,495,147$1,763,257$986,885$4,585,634
56$8,159,630$1,749,635$919,924$4,894,001
57$8,888,740$1,732,194$847,569$5,231,296
58$9,688,968$1,710,649$769,540$5,600,499
59$10,567,468$1,684,695$685,544$6,004,902
60$11,532,117$1,654,013$595,277$6,448,140
61$12,591,593$1,618,259$498,419$6,934,222
62$13,755,457$1,577,075$394,637$7,467,576
63$15,034,239$1,530,078$283,583$8,053,090
64$16,439,543$1,476,863$164,895$8,696,157
65$17,984,150$1,417,003$38,192$9,402,730
66$19,682,141$1,350,044$0$10,179,378
67$21,549,032$1,275,508$0$11,044,739
68$23,601,913$1,192,888$0$12,000,948
69$25,859,617$1,101,649$0$13,052,397
70$28,342,892$1,001,223$0$14,208,879
71$31,074,597$891,013$0$15,481,193
72$34,079,918$770,385$0$16,881,255
73$37,386,608$638,672$0$18,422,205
74$41,025,242$495,167$0$20,118,534
75$45,029,510$339,124$0$21,986,226
76$49,436,534$169,755$0$24,042,909
77$54,287,216$0$0$26,308,021
78$59,626,624$0$0$28,809,821
79$65,504,418$0$0$31,656,635
80$71,975,318$0$0$34,790,933
81$79,099,617$0$0$38,241,947
82$86,943,753$0$0$42,041,888
83$95,580,935$0$0$46,226,249
84$105,091,830$0$0$50,834,142
85$115,565,327$0$0$55,908,664
86$127,099,377$0$0$61,497,304
87$139,801,911$0$0$67,652,394
88$153,791,863$0$0$74,431,597
89$169,200,290$0$0$81,898,456
90$186,171,608$0$0$90,122,993
91$204,864,957$0$0$99,182,365
92$225,455,699$0$0$109,161,599
93$248,137,074$0$0$120,154,387
94$273,122,023$0$0$132,263,976
95$300,645,198$0$0$145,604,139
96$330,965,177$0$0$160,300,250
97$364,366,899$0$0$176,490,466
98$401,164,360$0$0$194,327,030
99$441,703,572$0$0$213,977,712
100$486,365,827$0$0$235,627,388