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%15.5%
1 years$123,043$121,947$120,878$119,834$118,815$116,131
2 years$60,912$59,778$58,678$57,612$56,578$53,889
3 years$40,205$39,065$37,969$36,913$35,896$33,285
4 years$29,853$28,717$27,632$26,594$25,601$23,089
5 years$23,644$22,515$21,443$20,426$19,462$17,054
6 years$19,505$18,385$17,329$16,335$15,399$13,100
7 years$16,551$15,440$14,401$13,430$12,524$10,333
8 years$14,336$13,235$12,213$11,266$10,390$8,306
9 years$12,614$11,523$10,519$9,596$8,750$6,772
10 years$11,237$10,157$9,171$8,272$7,455$5,582
11 years$10,111$9,042$8,074$7,199$6,412$4,639
12 years$9,174$8,116$7,165$6,315$5,556$3,883
13 years$8,381$7,334$6,402$5,575$4,845$3,267
14 years$7,703$6,667$5,752$4,949$4,247$2,761
15 years$7,115$6,090$5,193$4,413$3,740$2,343
16 years$6,601$5,588$4,708$3,952$3,305$1,993
17 years$6,148$5,146$4,284$3,551$2,930$1,701
18 years$5,746$4,755$3,911$3,200$2,606$1,454
19 years$5,387$4,407$3,580$2,891$2,322$1,245
20 years$5,064$4,095$3,286$2,619$2,074$1,068
21 years$4,772$3,815$3,022$2,377$1,856$918
22 years$4,507$3,561$2,786$2,161$1,664$789
23 years$4,266$3,330$2,572$1,968$1,494$679
24 years$4,045$3,120$2,379$1,795$1,343$585
25 years$3,841$2,928$2,203$1,639$1,208$504
26 years$3,654$2,752$2,043$1,499$1,088$435
27 years$3,481$2,590$1,897$1,372$981$375
28 years$3,321$2,441$1,764$1,257$885$324
29 years$3,172$2,302$1,641$1,153$799$280
30 years$3,033$2,174$1,529$1,058$722$242
31 years$2,903$2,055$1,425$972$653$209
32 years$2,782$1,945$1,330$893$591$181
33 years$2,668$1,842$1,242$821$535$156
34 years$2,562$1,746$1,160$755$484$135
35 years$2,461$1,656$1,085$695$438$117
36 years$2,366$1,572$1,015$640$397$101
37 years$2,277$1,493$950$590$360$87
38 years$2,193$1,418$889$544$326$76
39 years$2,113$1,349$833$502$296$65
40 years$2,037$1,283$781$463$268$57
41 years$1,965$1,222$732$427$244$49
42 years$1,897$1,163$687$394$221$42
43 years$1,832$1,108$645$364$201$37
44 years$1,770$1,057$605$336$182$32
45 years$1,711$1,008$568$310$165$28
46 years$1,655$961$534$286$150$24
47 years$1,602$917$501$265$136$21
48 years$1,551$876$471$244$124$18
49 years$1,502$836$443$226$112$15
50 years$1,455$799$416$209$102$13

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 $4,757 every year, while hoping to spend $42,926 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: 39/46/15 Blend
34$1,490,000$1,490,000$1,490,000$1,490,000
35$1,646,887$1,567,917$1,544,822$1,703,537
36$1,769,196$1,599,072$1,550,900$1,775,486
37$1,902,543$1,630,315$1,555,744$1,848,719
38$2,048,006$1,661,605$1,559,266$1,926,981
39$2,206,777$1,692,897$1,561,375$2,010,747
40$2,380,163$1,724,143$1,561,975$2,100,542
41$2,569,605$1,755,292$1,560,967$2,196,944
42$2,776,691$1,786,287$1,558,246$2,300,593
43$3,003,166$1,817,068$1,553,700$2,412,193
44$3,250,954$1,847,570$1,547,214$2,532,521
45$3,522,173$1,877,723$1,538,667$2,662,434
46$3,819,155$1,907,451$1,527,932$2,802,879
47$4,144,466$1,936,673$1,514,876$2,954,901
48$4,500,936$1,965,305$1,499,359$3,119,651
49$4,891,678$1,993,251$1,481,234$3,298,400
50$5,320,123$2,020,414$1,460,349$3,492,552
51$5,790,048$2,046,687$1,436,543$3,703,653
52$6,305,615$2,071,957$1,409,649$3,933,412
53$6,871,406$2,096,101$1,379,491$4,183,713
54$7,492,471$2,118,992$1,345,885$4,456,634
55$8,174,370$2,140,489$1,308,639$4,754,469
56$8,923,229$2,160,447$1,267,552$5,079,749
57$9,745,797$2,178,707$1,222,414$5,435,266
58$10,649,507$2,195,102$1,173,003$5,824,100
59$11,642,549$2,209,455$1,119,091$6,249,649
60$12,733,945$2,221,574$1,060,437$6,715,662
61$13,933,635$2,231,259$996,790$7,226,276
62$15,252,570$2,238,295$927,886$7,786,051
63$16,702,814$2,242,453$853,452$8,400,021
64$18,297,659$2,243,491$773,200$9,073,737
65$20,051,749$2,241,151$686,832$9,813,323
66$21,981,220$2,235,160$594,033$10,625,532
67$24,103,850$2,225,228$494,478$11,517,815
68$26,439,224$2,211,046$387,825$12,498,389
69$29,008,926$2,192,288$273,718$13,576,315
70$31,836,733$2,168,607$151,784$14,761,590
71$34,948,847$2,139,636$21,636$16,065,237
72$38,374,137$2,104,986$0$17,499,412
73$42,144,412$2,064,243$0$19,096,289
74$46,294,723$2,016,972$0$20,856,802
75$50,863,690$1,962,709$0$22,793,859
76$55,893,870$1,900,965$0$24,925,513
77$61,432,154$1,831,222$0$27,271,666
78$67,530,211$1,752,929$0$29,854,261
79$74,244,978$1,665,508$0$32,697,485
80$81,639,191$1,568,344$0$35,828,005
81$89,781,983$1,460,787$0$39,275,220
82$98,749,531$1,342,151$0$43,071,537
83$108,625,777$1,211,710$0$47,252,682
84$119,503,219$1,068,697$0$51,858,037
85$131,483,786$912,301$0$56,931,019
86$144,679,794$741,666$0$62,519,485
87$159,215,012$555,887$0$68,676,190
88$175,225,825$354,007$0$75,459,289
89$192,862,524$135,018$0$82,932,886
90$212,290,722$0$0$91,167,643
91$233,692,917$0$0$100,293,155
92$257,270,215$0$0$110,421,690
93$283,244,227$0$0$121,580,142
94$311,859,160$0$0$133,873,462
95$343,384,123$0$0$147,417,303
96$378,115,666$0$0$162,339,112
97$416,380,576$0$0$178,779,331
98$458,538,965$0$0$196,892,723
99$504,987,669$0$0$216,849,835
100$556,163,990$0$0$238,838,606