Can I retire at age 35 with 1,140,000?

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 $1,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$94,140$93,302$92,483$91,685$90,905$87,471
2 years$46,604$45,736$44,895$44,079$43,288$39,868
3 years$30,761$29,889$29,050$28,242$27,464$24,166
4 years$22,841$21,972$21,141$20,347$19,587$16,436
5 years$18,090$17,226$16,406$15,628$14,890$11,894
6 years$14,924$14,066$13,259$12,498$11,782$8,943
7 years$12,663$11,813$11,018$10,275$9,582$6,899
8 years$10,968$10,126$9,344$8,620$7,949$5,420
9 years$9,651$8,816$8,048$7,342$6,694$4,316
10 years$8,597$7,771$7,017$6,329$5,704$3,471
11 years$7,736$6,918$6,177$5,508$4,906$2,813
12 years$7,019$6,209$5,482$4,831$4,251$2,295
13 years$6,413$5,612$4,898$4,265$3,707$1,880
14 years$5,893$5,101$4,401$3,786$3,250$1,547
15 years$5,444$4,660$3,973$3,377$2,861$1,277
16 years$5,051$4,275$3,602$3,023$2,529$1,056
17 years$4,704$3,937$3,278$2,717$2,242$876
18 years$4,397$3,638$2,992$2,448$1,994$727
19 years$4,122$3,372$2,739$2,212$1,777$605
20 years$3,874$3,133$2,514$2,004$1,587$504
21 years$3,651$2,918$2,313$1,818$1,420$420
22 years$3,448$2,724$2,131$1,653$1,273$350
23 years$3,264$2,548$1,968$1,506$1,143$292
24 years$3,094$2,387$1,820$1,373$1,027$244
25 years$2,939$2,240$1,686$1,254$924$204
26 years$2,796$2,106$1,563$1,147$833$171
27 years$2,664$1,982$1,452$1,050$751$143
28 years$2,541$1,867$1,350$962$677$119
29 years$2,427$1,762$1,256$882$612$100
30 years$2,321$1,664$1,170$809$553$83
31 years$2,221$1,573$1,091$743$500$70
32 years$2,129$1,488$1,018$683$452$58
33 years$2,042$1,409$950$628$409$49
34 years$1,960$1,336$888$578$370$41
35 years$1,883$1,267$830$532$335$34
36 years$1,811$1,202$776$490$304$29
37 years$1,742$1,142$727$451$275$24
38 years$1,678$1,085$681$416$250$20
39 years$1,616$1,032$638$384$226$17
40 years$1,559$982$598$354$205$14
41 years$1,504$935$560$327$186$12
42 years$1,451$890$526$301$169$10
43 years$1,402$848$493$278$153$8
44 years$1,354$808$463$257$139$7
45 years$1,309$771$435$237$126$6
46 years$1,267$735$408$219$115$5
47 years$1,226$702$384$202$104$4
48 years$1,186$670$360$187$95$3
49 years$1,149$640$339$173$86$3
50 years$1,113$611$319$160$78$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,140,000, adding $4,818 every year, while hoping to spend $38,376 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: 39/35/26 Blend
34$1,140,000$1,140,000$1,140,000$1,140,000
35$1,261,250$1,200,830$1,183,160$1,300,545
36$1,349,065$1,218,839$1,181,964$1,347,584
37$1,444,552$1,236,444$1,179,442$1,394,492
38$1,548,452$1,253,585$1,175,508$1,444,470
39$1,661,581$1,270,197$1,170,075$1,497,819
40$1,784,837$1,286,212$1,163,047$1,554,877
41$1,919,210$1,301,556$1,154,329$1,616,013
42$2,065,786$1,316,149$1,143,816$1,681,641
43$2,225,764$1,329,908$1,131,401$1,752,214
44$2,400,462$1,342,744$1,116,973$1,828,236
45$2,591,331$1,354,560$1,100,413$1,910,264
46$2,799,968$1,365,254$1,081,598$1,998,914
47$3,028,131$1,374,719$1,060,399$2,094,868
48$3,277,759$1,382,838$1,036,680$2,198,879
49$3,550,982$1,389,489$1,010,301$2,311,781
50$3,850,150$1,394,541$981,113$2,434,496
51$4,177,846$1,397,855$948,962$2,568,041
52$4,536,920$1,399,284$913,686$2,713,543
53$4,930,507$1,398,669$875,115$2,872,248
54$5,362,060$1,395,846$833,073$3,045,530
55$5,835,385$1,390,636$787,375$3,234,911
56$6,354,669$1,382,853$737,828$3,442,069
57$6,924,529$1,372,296$684,229$3,668,862
58$7,550,048$1,358,756$626,367$3,917,340
59$8,236,825$1,342,007$564,022$4,189,768
60$8,991,028$1,321,812$496,964$4,488,649
61$9,819,453$1,297,921$424,953$4,816,745
62$10,729,584$1,270,066$347,735$5,177,108
63$11,729,668$1,237,965$265,051$5,573,109
64$12,828,788$1,201,320$176,625$6,008,469
65$14,036,954$1,159,814$82,171$6,487,297
66$15,365,191$1,113,113$0$7,014,127
67$16,825,648$1,060,862$0$7,599,136
68$18,431,706$1,002,687$0$8,267,346
69$20,198,113$938,192$0$9,002,128
70$22,141,114$866,956$0$9,810,310
71$24,278,609$788,539$0$10,699,422
72$26,630,320$702,470$0$11,677,767
73$29,217,978$608,256$0$12,754,502
74$32,065,524$505,373$0$13,939,724
75$35,199,341$393,270$0$15,244,568
76$38,648,495$271,362$0$16,681,312
77$42,445,017$139,033$0$18,263,493
78$46,624,196$0$0$20,006,040
79$51,224,920$0$0$21,927,094
80$56,290,037$0$0$24,101,197
81$61,866,761$0$0$26,495,090
82$68,007,118$0$0$29,131,132
83$74,768,435$0$0$32,033,956
84$82,213,881$0$0$35,230,709
85$90,413,063$0$0$38,751,304
86$99,442,683$0$0$42,628,701
87$109,387,259$0$0$46,899,224
88$120,339,928$0$0$51,602,895
89$132,403,316$0$0$56,783,818
90$145,690,514$0$0$62,490,595
91$160,326,142$0$0$68,776,781
92$176,447,522$0$0$75,701,390
93$194,205,978$0$0$83,329,454
94$213,768,263$0$0$91,732,636
95$235,318,128$0$0$100,989,906
96$259,058,063$0$0$111,188,284
97$285,211,203$0$0$122,423,665
98$314,023,433$0$0$134,801,721
99$345,765,712$0$0$148,438,901
100$380,736,628$0$0$163,463,527