Can I retire at age 35 with 1,130,000?

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 $1,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$93,314$92,483$91,672$90,881$90,108$87,751
2 years$46,195$45,335$44,501$43,693$42,908$40,551
3 years$30,491$29,627$28,795$27,994$27,223$24,937
4 years$22,640$21,779$20,955$20,168$19,416$17,220
5 years$17,931$17,075$16,262$15,491$14,759$12,659
6 years$14,793$13,943$13,142$12,388$11,679$9,676
7 years$12,552$11,709$10,921$10,185$9,498$7,594
8 years$10,872$10,037$9,262$8,544$7,879$6,072
9 years$9,566$8,739$7,978$7,278$6,636$4,924
10 years$8,522$7,703$6,955$6,273$5,654$4,036
11 years$7,668$6,858$6,123$5,460$4,862$3,335
12 years$6,957$6,155$5,434$4,789$4,214$2,775
13 years$6,356$5,562$4,855$4,228$3,674$2,321
14 years$5,842$5,056$4,362$3,753$3,221$1,950
15 years$5,396$4,619$3,938$3,347$2,836$1,643
16 years$5,006$4,238$3,571$2,997$2,506$1,390
17 years$4,663$3,903$3,249$2,693$2,222$1,178
18 years$4,358$3,606$2,966$2,427$1,976$1,000
19 years$4,085$3,342$2,715$2,193$1,761$851
20 years$3,841$3,106$2,492$1,986$1,573$725
21 years$3,619$2,893$2,292$1,802$1,408$619
22 years$3,418$2,700$2,113$1,639$1,262$528
23 years$3,235$2,526$1,951$1,492$1,133$451
24 years$3,067$2,366$1,804$1,361$1,018$386
25 years$2,913$2,221$1,671$1,243$916$330
26 years$2,771$2,087$1,550$1,137$825$283
27 years$2,640$1,964$1,439$1,040$744$242
28 years$2,519$1,851$1,338$953$671$208
29 years$2,405$1,746$1,245$874$606$178
30 years$2,300$1,649$1,160$802$548$153
31 years$2,202$1,559$1,081$737$495$131
32 years$2,110$1,475$1,009$677$448$112
33 years$2,024$1,397$942$623$405$97
34 years$1,943$1,324$880$573$367$83
35 years$1,866$1,256$823$527$332$71
36 years$1,795$1,192$770$486$301$61
37 years$1,727$1,132$720$448$273$52
38 years$1,663$1,076$675$413$248$45
39 years$1,602$1,023$632$380$224$39
40 years$1,545$973$592$351$204$33
41 years$1,490$926$555$324$185$29
42 years$1,439$882$521$299$168$24
43 years$1,389$841$489$276$152$21
44 years$1,343$801$459$255$138$18
45 years$1,298$764$431$235$125$16
46 years$1,255$729$405$217$114$13
47 years$1,215$696$380$201$103$11
48 years$1,176$664$357$185$94$10
49 years$1,139$634$336$171$85$8
50 years$1,103$606$316$158$77$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,130,000, adding $3,543 every year, while hoping to spend $21,204 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: 45/30/25 Blend
34$1,130,000$1,130,000$1,130,000$1,130,000
35$1,248,915$1,189,025$1,171,510$1,295,960
36$1,353,743$1,224,726$1,188,194$1,365,298
37$1,468,553$1,261,466$1,204,727$1,438,115
38$1,594,341$1,299,273$1,221,081$1,516,667
39$1,732,203$1,338,177$1,237,226$1,601,500
40$1,883,347$1,378,207$1,253,133$1,693,213
41$2,049,103$1,419,394$1,268,767$1,792,468
42$2,230,937$1,461,769$1,284,096$1,899,993
43$2,430,461$1,505,364$1,299,082$2,016,588
44$2,649,454$1,550,213$1,313,687$2,143,135
45$2,889,873$1,596,348$1,327,871$2,280,605
46$3,153,876$1,643,805$1,341,590$2,430,068
47$3,443,838$1,692,618$1,354,800$2,592,701
48$3,762,376$1,742,823$1,367,453$2,769,802
49$4,112,374$1,794,457$1,379,498$2,962,799
50$4,497,009$1,847,558$1,390,884$3,173,265
51$4,919,779$1,902,164$1,401,553$3,402,933
52$5,384,540$1,958,313$1,411,449$3,653,713
53$5,895,539$2,016,047$1,420,509$3,927,708
54$6,457,456$2,075,405$1,428,668$4,227,234
55$7,075,447$2,136,430$1,435,859$4,554,844
56$7,755,192$2,199,165$1,442,009$4,913,349
57$8,502,949$2,263,651$1,447,044$5,305,848
58$9,325,614$2,329,935$1,450,884$5,735,754
59$10,230,786$2,398,060$1,453,448$6,206,826
60$11,226,834$2,468,074$1,454,646$6,723,210
61$12,322,983$2,540,021$1,454,389$7,289,469
62$13,529,397$2,613,952$1,452,581$7,910,634
63$14,857,273$2,689,913$1,449,120$8,592,249
64$16,318,950$2,767,954$1,443,901$9,340,419
65$17,928,025$2,848,126$1,436,813$10,161,875
66$19,699,479$2,930,479$1,427,742$11,064,032
67$21,649,819$3,015,066$1,416,564$12,055,061
68$23,797,235$3,101,938$1,403,154$13,143,967
69$26,161,770$3,191,151$1,387,376$14,340,671
70$28,765,510$3,282,756$1,369,093$15,656,106
71$31,632,792$3,376,811$1,348,157$17,102,322
72$34,790,432$3,473,370$1,324,416$18,692,593
73$38,267,981$3,572,490$1,297,708$20,441,552
74$42,098,001$3,674,228$1,267,868$22,365,320
75$46,316,373$3,778,642$1,234,718$24,481,665
76$50,962,638$3,885,790$1,198,075$26,810,163
77$56,080,364$3,995,731$1,157,748$29,372,392
78$61,717,564$4,108,524$1,113,535$32,192,127
79$67,927,144$4,224,230$1,065,227$35,295,569
80$74,767,404$4,342,909$1,012,604$38,711,592
81$82,302,589$4,464,621$955,436$42,472,014
82$90,603,494$4,589,428$893,483$46,611,900
83$99,748,131$4,717,391$826,496$51,169,892
84$109,822,468$4,848,571$754,211$56,188,572
85$120,921,238$4,983,029$676,356$61,714,868
86$133,148,835$5,120,828$592,644$67,800,493
87$146,620,296$5,262,028$502,777$74,502,438
88$161,462,390$5,406,691$406,444$81,883,506
89$177,814,812$5,554,878$303,318$90,012,907
90$195,831,504$5,706,648$193,060$98,966,912
91$215,682,105$5,862,061$75,316$108,829,574
92$237,553,555$6,021,177$0$119,693,517
93$261,651,856$6,184,054$0$131,674,246
94$288,204,022$6,350,749$0$144,893,136
95$317,460,214$6,521,318$0$159,454,146
96$349,696,109$6,695,815$0$175,494,001
97$385,215,495$6,874,293$0$193,163,367
98$424,353,146$7,056,804$0$212,628,272
99$467,477,976$7,243,397$0$234,071,675
100$514,996,525$7,434,118$0$257,695,193