Can I retire at age 35 with 1,100,000?

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 $1,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$90,837$90,028$89,238$88,468$87,716$84,908
2 years$44,969$44,131$43,320$42,533$41,769$38,966
3 years$29,681$28,840$28,031$27,251$26,500$23,790
4 years$22,039$21,201$20,399$19,633$18,900$16,304
5 years$17,455$16,622$15,831$15,080$14,368$11,892
6 years$14,400$13,573$12,793$12,060$11,369$9,015
7 years$12,219$11,398$10,631$9,915$9,246$7,015
8 years$10,583$9,771$9,016$8,317$7,670$5,560
9 years$9,312$8,507$7,766$7,084$6,459$4,468
10 years$8,296$7,499$6,770$6,107$5,504$3,628
11 years$7,465$6,675$5,960$5,315$4,733$2,969
12 years$6,773$5,992$5,290$4,662$4,102$2,446
13 years$6,188$5,415$4,726$4,116$3,577$2,025
14 years$5,687$4,922$4,246$3,653$3,135$1,684
15 years$5,253$4,496$3,834$3,258$2,761$1,404
16 years$4,873$4,125$3,476$2,917$2,440$1,175
17 years$4,539$3,799$3,163$2,621$2,163$985
18 years$4,242$3,510$2,887$2,362$1,924$827
19 years$3,977$3,253$2,643$2,135$1,715$696
20 years$3,739$3,023$2,426$1,933$1,531$586
21 years$3,523$2,816$2,231$1,755$1,371$494
22 years$3,327$2,629$2,057$1,595$1,228$417
23 years$3,149$2,459$1,899$1,453$1,103$352
24 years$2,986$2,304$1,756$1,325$991$298
25 years$2,836$2,162$1,627$1,210$892$252
26 years$2,698$2,032$1,509$1,106$803$213
27 years$2,570$1,912$1,401$1,013$724$180
28 years$2,452$1,802$1,302$928$654$153
29 years$2,342$1,700$1,212$851$590$129
30 years$2,239$1,605$1,129$781$533$110
31 years$2,143$1,517$1,052$717$482$93
32 years$2,054$1,436$982$659$436$79
33 years$1,970$1,360$917$606$395$67
34 years$1,891$1,289$857$558$357$56
35 years$1,817$1,222$801$513$324$48
36 years$1,747$1,160$749$473$293$41
37 years$1,681$1,102$701$436$266$34
38 years$1,619$1,047$657$402$241$29
39 years$1,560$996$615$370$218$25
40 years$1,504$947$577$342$198$21
41 years$1,451$902$541$315$180$18
42 years$1,400$859$507$291$163$15
43 years$1,353$818$476$268$148$13
44 years$1,307$780$447$248$134$11
45 years$1,264$744$419$229$122$9
46 years$1,222$710$394$211$111$8
47 years$1,183$677$370$195$101$7
48 years$1,145$646$348$180$91$6
49 years$1,109$617$327$167$83$5
50 years$1,074$590$307$154$75$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,100,000, adding $6,151 every year, while hoping to spend $25,019 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: 49/25/26 Blend
34$1,100,000$1,100,000$1,100,000$1,100,000
35$1,218,545$1,160,245$1,143,195$1,269,002
36$1,316,216$1,190,477$1,154,872$1,335,147
37$1,423,012$1,221,352$1,166,101$1,403,988
38$1,539,836$1,252,874$1,176,842$1,478,285
39$1,667,683$1,285,049$1,187,051$1,558,565
40$1,807,651$1,317,881$1,196,681$1,645,408
41$1,960,946$1,351,372$1,205,685$1,739,453
42$2,128,898$1,385,525$1,214,011$1,841,408
43$2,312,971$1,420,341$1,221,605$1,952,046
44$2,514,778$1,455,821$1,228,413$2,072,226
45$2,736,094$1,491,965$1,234,374$2,202,889
46$2,978,876$1,528,772$1,239,426$2,345,075
47$3,245,279$1,566,239$1,243,504$2,499,930
48$3,537,675$1,604,362$1,246,539$2,668,715
49$3,858,678$1,643,137$1,248,459$2,852,821
50$4,211,170$1,682,557$1,249,188$3,053,782
51$4,598,321$1,722,614$1,248,647$3,273,288
52$5,023,626$1,763,298$1,246,754$3,513,199
53$5,490,934$1,804,599$1,243,419$3,775,569
54$6,004,488$1,846,503$1,238,552$4,062,660
55$6,568,959$1,888,994$1,232,056$4,376,965
56$7,189,494$1,932,056$1,223,832$4,721,232
57$7,871,765$1,975,669$1,213,772$5,098,490
58$8,622,019$2,019,811$1,201,767$5,512,076
59$9,447,139$2,064,457$1,187,701$5,965,671
60$10,354,711$2,109,579$1,171,453$6,463,330
61$11,353,090$2,155,146$1,152,895$7,009,524
62$12,451,483$2,201,126$1,131,895$7,609,178
63$13,660,034$2,247,481$1,108,313$8,267,725
64$14,989,920$2,294,170$1,082,004$8,991,149
65$16,453,456$2,341,149$1,052,815$9,786,047
66$18,064,211$2,388,368$1,020,587$10,659,693
67$19,837,138$2,435,774$985,154$11,620,099
68$21,788,709$2,483,311$946,340$12,676,101
69$23,937,079$2,530,915$903,964$13,837,435
70$26,302,249$2,578,517$857,834$15,114,834
71$28,906,259$2,626,045$807,753$16,520,125
72$31,773,396$2,673,420$753,510$18,066,346
73$34,930,419$2,720,554$694,890$19,767,866
74$38,406,817$2,767,357$631,664$21,640,524
75$42,235,083$2,813,728$563,595$23,701,774
76$46,451,021$2,859,560$490,436$25,970,856
77$51,094,086$2,904,739$411,926$28,468,976
78$56,207,753$2,949,141$327,795$31,219,504
79$61,839,928$2,992,635$237,761$34,248,198
80$68,043,404$3,035,077$141,530$37,583,448
81$74,876,352$3,076,316$38,792$41,256,545
82$82,402,876$3,116,191$0$45,301,973
83$90,693,612$3,154,528$0$49,777,395
84$99,826,401$3,191,141$0$54,717,808
85$109,887,019$3,225,832$0$60,158,703
86$120,969,988$3,258,390$0$66,151,065
87$133,179,466$3,288,590$0$72,751,077
88$146,630,232$3,316,192$0$80,020,654
89$161,448,770$3,340,939$0$88,028,026
90$177,774,460$3,362,561$0$96,848,384
91$195,760,895$3,380,766$0$106,564,589
92$215,577,329$3,395,247$0$117,267,951
93$237,410,278$3,405,675$0$129,059,100
94$261,465,275$3,411,702$0$142,048,926
95$287,968,815$3,412,957$0$156,359,635
96$317,170,490$3,409,048$0$172,125,897
97$349,345,345$3,399,556$0$189,496,119
98$384,796,473$3,384,038$0$208,633,851
99$423,857,882$3,362,024$0$229,719,322
100$466,897,637$3,333,014$0$252,951,151