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%18.1%
1 years$122,217$121,128$120,066$119,030$118,017$114,148
2 years$60,503$59,377$58,285$57,226$56,199$52,338
3 years$39,935$38,803$37,714$36,665$35,655$31,923
4 years$29,653$28,525$27,446$26,415$25,429$21,855
5 years$23,485$22,364$21,299$20,289$19,331$15,924
6 years$19,375$18,262$17,213$16,226$15,296$12,059
7 years$16,440$15,336$14,304$13,340$12,440$9,372
8 years$14,239$13,146$12,131$11,191$10,320$7,420
9 years$12,529$11,446$10,448$9,532$8,691$5,955
10 years$11,162$10,089$9,109$8,217$7,405$4,829
11 years$10,044$8,982$8,020$7,151$6,369$3,948
12 years$9,112$8,061$7,117$6,272$5,519$3,248
13 years$8,325$7,285$6,359$5,537$4,813$2,685
14 years$7,651$6,622$5,713$4,916$4,219$2,229
15 years$7,067$6,049$5,158$4,384$3,714$1,857
16 years$6,557$5,550$4,677$3,925$3,283$1,551
17 years$6,107$5,111$4,256$3,527$2,911$1,298
18 years$5,708$4,723$3,885$3,178$2,588$1,089
19 years$5,351$4,377$3,556$2,872$2,307$915
20 years$5,030$4,068$3,264$2,601$2,061$769
21 years$4,740$3,789$3,002$2,361$1,844$648
22 years$4,477$3,537$2,767$2,146$1,653$546
23 years$4,237$3,308$2,555$1,955$1,484$460
24 years$4,017$3,099$2,363$1,783$1,334$388
25 years$3,816$2,909$2,188$1,628$1,200$328
26 years$3,630$2,734$2,030$1,489$1,081$277
27 years$3,458$2,573$1,885$1,363$975$234
28 years$3,299$2,424$1,752$1,248$879$198
29 years$3,151$2,287$1,630$1,145$794$167
30 years$3,013$2,160$1,519$1,051$717$141
31 years$2,884$2,042$1,416$965$649$120
32 years$2,763$1,932$1,321$887$587$101
33 years$2,650$1,829$1,233$816$531$86
34 years$2,544$1,734$1,152$750$481$72
35 years$2,445$1,645$1,077$691$435$61
36 years$2,351$1,561$1,008$636$395$52
37 years$2,262$1,483$943$586$358$44
38 years$2,178$1,409$883$540$324$37
39 years$2,099$1,340$828$498$294$31
40 years$2,023$1,275$776$459$267$27
41 years$1,952$1,213$727$424$242$23
42 years$1,884$1,156$682$391$220$19
43 years$1,820$1,101$640$361$199$16
44 years$1,758$1,050$601$333$181$14
45 years$1,700$1,001$564$308$164$12
46 years$1,644$955$530$284$149$10
47 years$1,591$911$498$263$135$8
48 years$1,540$870$468$243$123$7
49 years$1,492$831$440$224$112$6
50 years$1,445$793$414$207$101$5

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 $2,799 every year, while hoping to spend $36,321 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: 80/7/13 Blend
34$1,480,000$1,480,000$1,480,000$1,480,000
35$1,633,847$1,555,407$1,532,467$1,760,250
36$1,761,854$1,592,977$1,545,160$1,881,277
37$1,901,701$1,631,170$1,557,060$2,009,078
38$2,054,556$1,669,979$1,568,103$2,148,281
39$2,221,707$1,709,395$1,578,221$2,300,011
40$2,404,572$1,749,406$1,587,342$2,465,507
41$2,604,711$1,789,999$1,595,390$2,646,135
42$2,823,842$1,831,160$1,602,287$2,843,397
43$3,063,858$1,872,871$1,607,948$3,058,950
44$3,326,844$1,915,114$1,612,286$3,294,618
45$3,615,094$1,957,866$1,615,210$3,552,411
46$3,931,136$2,001,104$1,616,622$3,834,543
47$4,277,755$2,044,801$1,616,421$4,143,452
48$4,658,017$2,088,927$1,614,502$4,481,826
49$5,075,299$2,133,449$1,610,752$4,852,625
50$5,533,321$2,178,330$1,605,055$5,259,111
51$6,036,183$2,223,531$1,597,287$5,704,877
52$6,588,399$2,269,009$1,587,321$6,193,884
53$7,194,941$2,314,716$1,575,022$6,730,494
54$7,861,288$2,360,600$1,560,248$7,319,514
55$8,593,475$2,406,605$1,542,852$7,966,241
56$9,398,150$2,452,670$1,522,678$8,676,511
57$10,282,639$2,498,728$1,499,566$9,456,756
58$11,255,011$2,544,708$1,473,344$10,314,061
59$12,324,156$2,590,533$1,443,835$11,256,235
60$13,499,870$2,636,119$1,410,853$12,291,882
61$14,792,944$2,681,376$1,374,204$13,430,485
62$16,215,269$2,726,208$1,333,684$14,682,490
63$17,779,944$2,770,510$1,289,080$16,059,412
64$19,501,403$2,814,170$1,240,170$17,573,936
65$21,395,551$2,857,069$1,186,720$19,240,045
66$23,479,909$2,899,077$1,128,487$21,073,143
67$25,773,785$2,940,057$1,065,216$23,090,209
68$28,298,452$2,979,861$996,643$25,309,950
69$31,077,352$3,018,332$922,487$27,752,983
70$34,136,311$3,055,300$842,461$30,442,027
71$37,503,790$3,090,585$756,258$33,402,118
72$41,211,148$3,123,995$663,564$36,660,846
73$45,292,938$3,155,324$564,047$40,248,614
74$49,787,236$3,184,352$457,360$44,198,928
75$54,735,996$3,210,848$343,144$48,548,709
76$60,185,450$3,234,561$221,021$53,338,645
77$66,186,538$3,255,228$90,598$58,613,575
78$72,795,396$3,272,565$0$64,422,913
79$80,073,880$3,286,274$0$70,827,849
80$88,090,149$3,296,035$0$77,895,501
81$96,919,313$3,301,509$0$85,679,480
82$106,644,137$3,302,337$0$94,252,724
83$117,355,823$3,298,135$0$103,695,610
84$129,154,871$3,288,498$0$114,096,708
85$142,152,028$3,272,995$0$125,553,620
86$156,469,331$3,251,168$0$138,173,902
87$172,241,259$3,222,532$0$152,076,073
88$189,616,004$3,186,572$0$167,390,741
89$208,756,866$3,142,744$0$184,261,832
90$229,843,797$3,090,469$0$202,847,948
91$253,075,097$3,029,135$0$223,323,867
92$278,669,288$2,958,093$0$245,882,188
93$306,867,173$2,876,658$0$270,735,152
94$337,934,111$2,784,100$0$298,116,648
95$372,162,522$2,679,652$0$328,284,414
96$409,874,643$2,562,499$0$361,522,476
97$451,425,573$2,431,779$0$398,143,826
98$497,206,626$2,286,580$0$438,493,377
99$547,649,019$2,125,940$0$482,951,220
100$603,227,947$1,948,838$0$531,936,212