Can I retire at age 35 with 1,090,000?

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 $1,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$90,011$89,209$88,427$87,664$86,918$83,901
2 years$44,560$43,730$42,926$42,146$41,390$38,381
3 years$29,412$28,578$27,776$27,003$26,259$23,354
4 years$21,839$21,008$20,214$19,454$18,728$15,948
5 years$17,296$16,470$15,687$14,943$14,237$11,590
6 years$14,269$13,449$12,677$11,950$11,265$8,753
7 years$12,108$11,295$10,535$9,825$9,162$6,783
8 years$10,487$9,682$8,934$8,242$7,600$5,354
9 years$9,228$8,430$7,695$7,020$6,401$4,284
10 years$8,220$7,430$6,709$6,051$5,454$3,463
11 years$7,397$6,615$5,906$5,267$4,690$2,822
12 years$6,711$5,937$5,242$4,619$4,065$2,314
13 years$6,131$5,365$4,683$4,078$3,544$1,906
14 years$5,635$4,877$4,208$3,620$3,107$1,577
15 years$5,205$4,455$3,799$3,229$2,736$1,309
16 years$4,829$4,088$3,444$2,891$2,418$1,090
17 years$4,498$3,765$3,134$2,597$2,144$909
18 years$4,204$3,479$2,861$2,341$1,906$759
19 years$3,941$3,224$2,619$2,115$1,699$635
20 years$3,705$2,996$2,404$1,916$1,518$532
21 years$3,491$2,790$2,211$1,739$1,358$446
22 years$3,297$2,605$2,038$1,581$1,217$375
23 years$3,121$2,436$1,882$1,440$1,093$315
24 years$2,959$2,283$1,740$1,313$982$265
25 years$2,810$2,142$1,612$1,199$884$222
26 years$2,673$2,013$1,495$1,096$796$187
27 years$2,547$1,895$1,388$1,004$718$158
28 years$2,429$1,785$1,290$919$648$133
29 years$2,320$1,684$1,201$843$585$112
30 years$2,219$1,591$1,119$774$528$94
31 years$2,124$1,504$1,043$711$478$79
32 years$2,035$1,423$973$653$432$67
33 years$1,952$1,347$908$601$391$56
34 years$1,874$1,277$849$553$354$47
35 years$1,800$1,211$794$509$321$40
36 years$1,731$1,150$742$469$291$34
37 years$1,666$1,092$695$432$263$28
38 years$1,604$1,038$651$398$239$24
39 years$1,546$987$610$367$217$20
40 years$1,490$939$571$338$196$17
41 years$1,438$894$536$312$178$14
42 years$1,388$851$503$288$162$12
43 years$1,340$811$472$266$147$10
44 years$1,295$773$443$246$133$9
45 years$1,252$737$416$227$121$7
46 years$1,211$703$390$210$110$6
47 years$1,172$671$367$194$100$5
48 years$1,134$641$345$179$91$4
49 years$1,098$612$324$165$82$4
50 years$1,064$584$305$153$75$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,090,000, adding $4,007 every year, while hoping to spend $39,177 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: 56/31/13 Blend
34$1,090,000$1,090,000$1,090,000$1,090,000
35$1,205,313$1,147,543$1,130,648$1,268,584
36$1,286,571$1,162,089$1,126,841$1,326,461
37$1,374,804$1,176,034$1,121,593$1,384,842
38$1,470,683$1,189,308$1,114,815$1,447,520
39$1,574,944$1,201,836$1,106,413$1,514,914
40$1,688,399$1,213,536$1,096,288$1,587,484
41$1,811,939$1,224,323$1,084,337$1,665,740
42$1,946,548$1,234,106$1,070,453$1,750,242
43$2,093,304$1,242,786$1,054,522$1,841,613
44$2,253,399$1,250,260$1,036,427$1,940,534
45$2,428,141$1,256,418$1,016,042$2,047,763
46$2,618,970$1,261,141$993,238$2,164,133
47$2,827,473$1,264,305$967,880$2,290,564
48$3,055,397$1,265,778$939,825$2,428,072
49$3,304,664$1,265,418$908,926$2,577,777
50$3,577,391$1,263,074$875,027$2,740,916
51$3,875,910$1,258,590$837,964$2,918,856
52$4,202,786$1,251,794$797,570$3,113,101
53$4,560,847$1,242,509$753,665$3,325,315
54$4,953,206$1,230,544$706,066$3,557,331
55$5,383,291$1,215,698$654,576$3,811,176
56$5,854,877$1,197,758$598,995$4,089,081
57$6,372,123$1,176,497$539,111$4,393,512
58$6,939,611$1,151,676$474,701$4,727,187
59$7,562,384$1,123,041$405,537$5,093,108
60$8,246,000$1,090,324$331,375$5,494,583
61$8,996,581$1,053,239$251,966$5,935,265
62$9,820,871$1,011,486$167,045$6,419,182
63$10,726,297$964,746$76,338$6,950,777
64$11,721,043$912,682$0$7,534,954
65$12,814,124$854,938$0$8,179,958
66$14,015,471$791,137$0$8,900,400
67$15,336,027$720,880$0$9,692,302
68$16,787,845$643,746$0$10,562,967
69$18,384,206$559,291$0$11,520,445
70$20,139,742$467,043$0$12,573,613
71$22,070,574$366,506$0$13,732,256
72$24,194,462$257,155$0$15,007,166
73$26,530,977$138,436$0$16,410,239
74$29,101,680$9,762$0$17,954,589
75$31,930,328$0$0$19,654,677
76$35,043,097$0$0$21,570,613
77$38,468,828$0$0$23,682,962
78$42,239,300$0$0$26,008,003
79$46,389,531$0$0$28,567,344
80$50,958,102$0$0$31,384,793
81$55,987,528$0$0$34,486,584
82$61,524,654$0$0$37,901,626
83$67,621,099$0$0$41,661,770
84$74,333,740$0$0$45,802,115
85$81,725,252$0$0$50,361,337
86$89,864,696$0$0$55,382,053
87$98,828,173$0$0$60,911,224
88$108,699,539$0$0$67,000,597
89$119,571,198$0$0$73,707,193
90$131,544,971$0$0$81,093,846
91$144,733,061$0$0$89,229,797
92$159,259,107$0$0$98,191,342
93$175,259,353$0$0$108,062,559
94$192,883,932$0$0$118,936,094
95$212,298,284$0$0$130,914,041
96$233,684,716$0$0$144,108,903
97$257,244,122$0$0$158,644,651
98$283,197,880$0$0$174,657,900
99$311,789,939$0$0$192,299,193
100$343,289,123$0$0$211,734,422