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

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 $1,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$123,043$121,947$120,878$119,834$118,815$117,379
2 years$60,912$59,778$58,678$57,612$56,578$55,133
3 years$40,205$39,065$37,969$36,913$35,896$34,486
4 years$29,853$28,717$27,632$26,594$25,601$24,238
5 years$23,644$22,515$21,443$20,426$19,462$18,149
6 years$19,505$18,385$17,329$16,335$15,399$14,139
7 years$16,551$15,440$14,401$13,430$12,524$11,316
8 years$14,336$13,235$12,213$11,266$10,390$9,235
9 years$12,614$11,523$10,519$9,596$8,750$7,647
10 years$11,237$10,157$9,171$8,272$7,455$6,403
11 years$10,111$9,042$8,074$7,199$6,412$5,410
12 years$9,174$8,116$7,165$6,315$5,556$4,604
13 years$8,381$7,334$6,402$5,575$4,845$3,941
14 years$7,703$6,667$5,752$4,949$4,247$3,390
15 years$7,115$6,090$5,193$4,413$3,740$2,928
16 years$6,601$5,588$4,708$3,952$3,305$2,537
17 years$6,148$5,146$4,284$3,551$2,930$2,205
18 years$5,746$4,755$3,911$3,200$2,606$1,921
19 years$5,387$4,407$3,580$2,891$2,322$1,677
20 years$5,064$4,095$3,286$2,619$2,074$1,467
21 years$4,772$3,815$3,022$2,377$1,856$1,285
22 years$4,507$3,561$2,786$2,161$1,664$1,127
23 years$4,266$3,330$2,572$1,968$1,494$990
24 years$4,045$3,120$2,379$1,795$1,343$871
25 years$3,841$2,928$2,203$1,639$1,208$766
26 years$3,654$2,752$2,043$1,499$1,088$675
27 years$3,481$2,590$1,897$1,372$981$595
28 years$3,321$2,441$1,764$1,257$885$524
29 years$3,172$2,302$1,641$1,153$799$463
30 years$3,033$2,174$1,529$1,058$722$408
31 years$2,903$2,055$1,425$972$653$360
32 years$2,782$1,945$1,330$893$591$318
33 years$2,668$1,842$1,242$821$535$281
34 years$2,562$1,746$1,160$755$484$249
35 years$2,461$1,656$1,085$695$438$220
36 years$2,366$1,572$1,015$640$397$194
37 years$2,277$1,493$950$590$360$172
38 years$2,193$1,418$889$544$326$152
39 years$2,113$1,349$833$502$296$135
40 years$2,037$1,283$781$463$268$119
41 years$1,965$1,222$732$427$244$105
42 years$1,897$1,163$687$394$221$93
43 years$1,832$1,108$645$364$201$83
44 years$1,770$1,057$605$336$182$73
45 years$1,711$1,008$568$310$165$65
46 years$1,655$961$534$286$150$57
47 years$1,602$917$501$265$136$51
48 years$1,551$876$471$244$124$45
49 years$1,502$836$443$226$112$40
50 years$1,455$799$416$209$102$35

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 $2,155 every year, while hoping to spend $20,189 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: 57/29/14 Blend
34$1,490,000$1,490,000$1,490,000$1,490,000
35$1,644,203$1,565,233$1,542,138$1,731,910
36$1,790,431$1,620,448$1,572,319$1,846,751
37$1,950,897$1,677,693$1,602,834$1,969,428
38$2,127,033$1,737,044$1,633,673$2,102,638
39$2,320,415$1,798,584$1,664,826$2,247,392
40$2,532,779$1,862,396$1,696,279$2,404,807
41$2,766,038$1,928,570$1,728,020$2,576,109
42$3,022,300$1,997,195$1,760,035$2,762,647
43$3,303,885$2,068,368$1,792,306$2,965,906
44$3,613,351$2,142,188$1,824,819$3,187,520
45$3,953,516$2,218,758$1,857,553$3,429,287
46$4,327,483$2,298,186$1,890,489$3,693,188
47$4,738,671$2,380,582$1,923,606$3,981,400
48$5,190,850$2,466,065$1,956,881$4,296,324
49$5,688,169$2,554,754$1,990,288$4,640,599
50$6,235,201$2,646,776$2,023,802$5,017,134
51$6,836,986$2,742,263$2,057,394$5,429,128
52$7,499,076$2,841,351$2,091,034$5,880,107
53$8,227,588$2,944,183$2,124,690$6,373,952
54$9,029,262$3,050,908$2,158,327$6,914,938
55$9,911,523$3,161,680$2,191,908$7,507,769
56$10,882,556$3,276,659$2,225,394$8,157,631
57$11,951,376$3,396,014$2,258,744$8,870,231
58$13,127,917$3,519,920$2,291,913$9,651,856
59$14,423,127$3,648,559$2,324,854$10,509,432
60$15,849,068$3,782,120$2,357,519$11,450,585
61$17,419,030$3,920,801$2,389,853$12,483,718
62$19,147,659$4,064,808$2,421,801$13,618,083
63$21,051,093$4,214,357$2,453,304$14,863,875
64$23,147,114$4,369,669$2,484,299$16,232,322
65$25,455,316$4,530,980$2,514,719$17,735,794
66$27,997,292$4,698,531$2,544,496$19,387,918
67$30,796,833$4,872,577$2,573,554$21,203,705
68$33,880,158$5,053,381$2,601,816$23,199,693
69$37,276,157$5,241,219$2,629,199$25,394,101
70$41,016,664$5,436,378$2,655,617$27,807,000
71$45,136,761$5,639,158$2,680,977$30,460,504
72$49,675,105$5,849,871$2,705,184$33,378,977
73$54,674,293$6,068,841$2,728,135$36,589,260
74$60,181,266$6,296,410$2,749,723$40,120,926
75$66,247,751$6,532,931$2,769,835$44,006,560
76$72,930,751$6,778,773$2,788,353$48,282,061
77$80,293,076$7,034,321$2,805,151$52,986,983
78$88,403,945$7,299,979$2,820,100$58,164,909
79$97,339,634$7,576,164$2,833,059$63,863,858
80$107,184,196$7,863,315$2,843,885$70,136,739
81$118,030,254$8,161,887$2,852,426$77,041,850
82$129,979,878$8,472,358$2,858,520$84,643,428
83$143,145,545$8,795,224$2,862,001$93,012,250
84$157,651,204$9,131,003$2,862,691$102,226,306
85$173,633,442$9,480,237$2,860,406$112,371,529
86$191,242,775$9,843,491$2,854,952$123,542,610
87$210,645,070$10,221,353$2,846,124$135,843,886
88$232,023,108$10,614,441$2,833,711$149,390,325
89$255,578,311$11,023,395$2,817,486$164,308,613
90$281,532,645$11,448,887$2,797,218$180,738,344
91$310,130,708$11,891,616$2,772,658$198,833,339
92$341,642,049$12,352,313$2,743,550$218,763,096
93$376,363,703$12,831,742$2,709,625$240,714,391
94$414,623,002$13,330,699$2,670,599$264,893,033
95$456,780,662$13,850,017$2,626,177$291,525,815
96$503,234,185$14,390,563$2,576,050$320,862,643
97$554,421,617$14,953,246$2,519,893$353,178,900
98$610,825,680$15,539,013$2,457,368$388,778,043
99$672,978,329$16,148,855$2,388,119$427,994,465
100$741,465,774$16,783,803$2,311,776$471,196,648