Can I retire at age 35 with 1,490,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $1,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$123,043$121,947$120,878$119,834$118,815$114,056
2 years$60,912$59,778$58,678$57,612$56,578$51,843
3 years$40,205$39,065$37,969$36,913$35,896$31,334
4 years$29,853$28,717$27,632$26,594$25,601$21,247
5 years$23,644$22,515$21,443$20,426$19,462$15,327
6 years$19,505$18,385$17,329$16,335$15,399$11,486
7 years$16,551$15,440$14,401$13,430$12,524$8,831
8 years$14,336$13,235$12,213$11,266$10,390$6,913
9 years$12,614$11,523$10,519$9,596$8,750$5,484
10 years$11,237$10,157$9,171$8,272$7,455$4,394
11 years$10,111$9,042$8,074$7,199$6,412$3,548
12 years$9,174$8,116$7,165$6,315$5,556$2,882
13 years$8,381$7,334$6,402$5,575$4,845$2,352
14 years$7,703$6,667$5,752$4,949$4,247$1,927
15 years$7,115$6,090$5,193$4,413$3,740$1,583
16 years$6,601$5,588$4,708$3,952$3,305$1,304
17 years$6,148$5,146$4,284$3,551$2,930$1,077
18 years$5,746$4,755$3,911$3,200$2,606$890
19 years$5,387$4,407$3,580$2,891$2,322$737
20 years$5,064$4,095$3,286$2,619$2,074$611
21 years$4,772$3,815$3,022$2,377$1,856$507
22 years$4,507$3,561$2,786$2,161$1,664$421
23 years$4,266$3,330$2,572$1,968$1,494$350
24 years$4,045$3,120$2,379$1,795$1,343$291
25 years$3,841$2,928$2,203$1,639$1,208$242
26 years$3,654$2,752$2,043$1,499$1,088$201
27 years$3,481$2,590$1,897$1,372$981$167
28 years$3,321$2,441$1,764$1,257$885$139
29 years$3,172$2,302$1,641$1,153$799$116
30 years$3,033$2,174$1,529$1,058$722$97
31 years$2,903$2,055$1,425$972$653$80
32 years$2,782$1,945$1,330$893$591$67
33 years$2,668$1,842$1,242$821$535$56
34 years$2,562$1,746$1,160$755$484$46
35 years$2,461$1,656$1,085$695$438$39
36 years$2,366$1,572$1,015$640$397$32
37 years$2,277$1,493$950$590$360$27
38 years$2,193$1,418$889$544$326$22
39 years$2,113$1,349$833$502$296$19
40 years$2,037$1,283$781$463$268$16
41 years$1,965$1,222$732$427$244$13
42 years$1,897$1,163$687$394$221$11
43 years$1,832$1,108$645$364$201$9
44 years$1,770$1,057$605$336$182$7
45 years$1,711$1,008$568$310$165$6
46 years$1,655$961$534$286$150$5
47 years$1,602$917$501$265$136$4
48 years$1,551$876$471$244$124$4
49 years$1,502$836$443$226$112$3
50 years$1,455$799$416$209$102$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,490,000, adding $3,977 every year, while hoping to spend $25,060 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: 64/13/23 Blend
34$1,490,000$1,490,000$1,490,000$1,490,000
35$1,646,082$1,567,112$1,544,017$1,741,351
36$1,787,319$1,617,237$1,569,078$1,856,197
37$1,942,122$1,668,978$1,594,139$1,978,456
38$2,111,849$1,722,388$1,619,173$2,111,463
39$2,297,994$1,777,522$1,644,151$2,256,275
40$2,502,204$1,834,435$1,669,045$2,414,052
41$2,726,292$1,893,186$1,693,822$2,586,074
42$2,972,257$1,953,835$1,718,448$2,773,750
43$3,242,298$2,016,444$1,742,887$2,978,633
44$3,538,841$2,081,078$1,767,102$3,202,431
45$3,864,554$2,147,802$1,791,051$3,447,027
46$4,222,379$2,216,685$1,814,692$3,714,496
47$4,615,557$2,287,799$1,837,980$4,007,121
48$5,047,659$2,361,215$1,860,867$4,327,419
49$5,522,616$2,437,010$1,883,301$4,678,162
50$6,044,761$2,515,263$1,905,231$5,062,405
51$6,618,869$2,596,053$1,926,598$5,483,511
52$7,250,198$2,679,464$1,947,344$5,945,187
53$7,944,544$2,765,583$1,967,405$6,451,517
54$8,708,289$2,854,498$1,986,715$7,007,000
55$9,548,469$2,946,303$2,005,204$7,616,593
56$10,472,833$3,041,092$2,022,799$8,285,757
57$11,489,921$3,138,964$2,039,421$9,020,511
58$12,609,140$3,240,021$2,054,989$9,827,483
59$13,840,858$3,344,368$2,069,417$10,713,981
60$15,196,498$3,452,114$2,082,615$11,688,053
61$16,688,644$3,563,371$2,094,486$12,758,568
62$18,331,166$3,678,256$2,104,931$13,935,300
63$20,139,344$3,796,890$2,113,846$15,229,018
64$22,130,015$3,919,396$2,121,118$16,651,588
65$24,321,733$4,045,903$2,126,632$18,216,084
66$26,734,942$4,176,545$2,130,266$19,936,916
67$29,392,169$4,311,458$2,131,893$21,829,958
68$32,318,236$4,450,785$2,131,377$23,912,707
69$35,540,496$4,594,674$2,128,578$26,204,439
70$39,089,090$4,743,275$2,123,348$28,726,398
71$42,997,229$4,896,748$2,115,532$31,501,992
72$47,301,511$5,055,253$2,104,967$34,557,018
73$52,042,264$5,218,960$2,091,484$37,919,900
74$57,263,929$5,388,043$2,074,902$41,621,962
75$63,015,474$5,562,681$2,055,035$45,697,721
76$69,350,861$5,743,061$2,031,688$50,185,215
77$76,329,554$5,929,376$2,004,654$55,126,360
78$84,017,078$6,121,825$1,973,720$60,567,345
79$92,485,640$6,320,614$1,938,659$66,559,072
80$101,814,807$6,525,957$1,899,236$73,157,632
81$112,092,262$6,738,073$1,855,206$80,424,837
82$123,414,627$6,957,193$1,806,309$88,428,801
83$135,888,375$7,183,551$1,752,276$97,244,588
84$149,630,836$7,417,392$1,692,825$106,954,915
85$164,771,307$7,658,970$1,627,660$117,650,936
86$181,452,267$7,908,547$1,556,473$129,433,101
87$199,830,726$8,166,392$1,478,942$142,412,107
88$220,079,702$8,432,788$1,394,728$156,709,939
89$242,389,860$8,708,023$1,303,481$172,461,026
90$266,971,308$8,992,398$1,204,830$189,813,505
91$294,055,581$9,286,226$1,098,391$208,930,625
92$323,897,826$9,589,826$983,763$229,992,285
93$356,779,209$9,903,533$860,524$253,196,731
94$393,009,574$10,227,691$728,237$278,762,434
95$432,930,361$10,562,659$586,443$306,930,143
96$476,917,833$10,908,804$434,664$337,965,168
97$525,386,627$11,266,511$272,401$372,159,878
98$578,793,669$11,636,175$99,132$409,836,462
99$637,642,483$12,018,208$0$451,349,975
100$702,487,950$12,413,034$0$497,112,736