Can I retire at age 35 with 1,250,000?

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 $1,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$103,224$102,304$101,407$100,532$99,677$97,624
2 years$51,101$50,149$49,227$48,333$47,465$45,407
3 years$33,729$32,773$31,853$30,967$30,114$28,114
4 years$25,045$24,092$23,181$22,310$21,477$19,551
5 years$19,835$18,888$17,989$17,136$16,327$14,479
6 years$16,364$15,424$14,538$13,704$12,919$11,152
7 years$13,885$12,953$12,081$11,267$10,506$8,821
8 years$12,027$11,103$10,246$9,451$8,716$7,112
9 years$10,582$9,667$8,825$8,051$7,340$5,816
10 years$9,427$8,521$7,694$6,940$6,254$4,808
11 years$8,483$7,586$6,773$6,040$5,379$4,009
12 years$7,696$6,809$6,011$5,298$4,661$3,366
13 years$7,031$6,153$5,371$4,677$4,065$2,842
14 years$6,462$5,593$4,825$4,152$3,563$2,410
15 years$5,969$5,109$4,357$3,703$3,137$2,052
16 years$5,538$4,688$3,950$3,315$2,773$1,752
17 years$5,158$4,317$3,594$2,979$2,458$1,500
18 years$4,821$3,989$3,281$2,684$2,186$1,287
19 years$4,519$3,697$3,004$2,426$1,948$1,107
20 years$4,248$3,436$2,757$2,197$1,740$953
21 years$4,004$3,200$2,536$1,994$1,557$822
22 years$3,781$2,987$2,337$1,813$1,396$709
23 years$3,579$2,794$2,158$1,651$1,253$613
24 years$3,393$2,618$1,996$1,506$1,126$530
25 years$3,223$2,457$1,848$1,375$1,014$459
26 years$3,066$2,309$1,714$1,257$913$397
27 years$2,921$2,173$1,592$1,151$823$344
28 years$2,786$2,047$1,480$1,054$743$298
29 years$2,661$1,931$1,377$967$671$259
30 years$2,544$1,824$1,283$887$606$225
31 years$2,436$1,724$1,196$815$548$195
32 years$2,334$1,632$1,116$749$496$169
33 years$2,239$1,545$1,042$689$448$147
34 years$2,149$1,464$973$634$406$128
35 years$2,065$1,389$910$583$368$111
36 years$1,985$1,318$851$537$333$96
37 years$1,910$1,252$797$495$302$84
38 years$1,840$1,190$746$456$274$73
39 years$1,772$1,132$699$421$248$63
40 years$1,709$1,077$655$388$225$55
41 years$1,649$1,025$614$358$204$48
42 years$1,591$976$576$330$185$41
43 years$1,537$930$541$305$168$36
44 years$1,485$886$508$282$153$31
45 years$1,436$845$477$260$139$27
46 years$1,389$806$448$240$126$24
47 years$1,344$770$421$222$114$21
48 years$1,301$735$395$205$104$18
49 years$1,260$702$372$190$94$16
50 years$1,220$670$349$175$86$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,250,000, adding $4,314 every year, while hoping to spend $24,653 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: 54/27/19 Blend
34$1,250,000$1,250,000$1,250,000$1,250,000
35$1,381,950$1,315,700$1,296,325$1,449,237
36$1,496,678$1,353,939$1,313,521$1,534,008
37$1,622,282$1,393,225$1,330,467$1,623,269
38$1,759,846$1,433,584$1,347,129$1,719,896
39$1,910,562$1,475,041$1,363,469$1,824,601
40$2,075,744$1,517,623$1,379,450$1,938,164
41$2,256,840$1,561,356$1,395,031$2,061,446
42$2,455,442$1,606,267$1,410,170$2,195,395
43$2,673,307$1,652,383$1,424,820$2,341,054
44$2,912,367$1,699,733$1,438,934$2,499,573
45$3,174,752$1,748,343$1,452,462$2,672,217
46$3,462,808$1,798,244$1,465,351$2,860,379
47$3,779,119$1,849,463$1,477,545$3,065,595
48$4,126,532$1,902,029$1,488,985$3,289,555
49$4,508,182$1,955,972$1,499,610$3,534,121
50$4,927,524$2,011,322$1,509,354$3,801,346
51$5,388,363$2,068,108$1,518,149$4,093,488
52$5,894,892$2,126,362$1,525,923$4,413,037
53$6,451,730$2,186,112$1,532,601$4,762,736
54$7,063,965$2,247,391$1,538,102$5,145,605
55$7,737,204$2,310,228$1,542,343$5,564,975
56$8,477,625$2,374,655$1,545,237$6,024,511
57$9,292,032$2,440,702$1,546,692$6,528,255
58$10,187,923$2,508,400$1,546,610$7,080,659
59$11,173,561$2,577,782$1,544,891$7,686,628
60$12,258,048$2,648,876$1,541,429$8,351,566
61$13,451,412$2,721,715$1,536,110$9,081,429
62$14,764,706$2,796,329$1,528,820$9,882,780
63$16,210,106$2,872,749$1,519,435$10,762,848
64$17,801,027$2,951,004$1,507,826$11,729,600
65$19,552,253$3,031,124$1,493,860$12,791,817
66$21,480,073$3,113,140$1,477,394$13,959,172
67$23,602,436$3,197,079$1,458,282$15,242,325
68$25,939,119$3,282,970$1,436,369$16,653,023
69$28,511,914$3,370,840$1,411,492$18,204,211
70$31,344,835$3,460,717$1,383,483$19,910,153
71$34,464,342$3,552,626$1,352,164$21,786,568
72$37,899,592$3,646,592$1,317,349$23,850,777
73$41,682,714$3,742,639$1,278,844$26,121,868
74$45,849,112$3,840,789$1,236,446$28,620,876
75$50,437,797$3,941,064$1,189,943$31,370,981
76$55,491,759$4,043,482$1,139,112$34,397,725
77$61,058,367$4,148,062$1,083,721$37,729,260
78$67,189,823$4,254,820$1,023,529$41,396,604
79$73,943,648$4,363,769$958,280$45,433,942
80$81,383,228$4,474,921$887,709$49,878,945
81$89,578,410$4,588,285$811,541$54,773,127
82$98,606,165$4,703,869$729,485$60,162,236
83$108,551,310$4,821,674$641,239$66,096,688
84$119,507,310$4,941,703$546,486$72,632,039
85$131,577,161$5,063,951$444,899$79,829,516
86$144,874,360$5,188,413$336,131$87,756,588
87$159,523,977$5,315,078$219,825$96,487,610
88$175,663,837$5,443,932$95,603$106,104,520
89$193,445,818$5,574,954$0$116,697,617
90$213,037,286$5,708,120$0$128,373,902
91$234,622,673$5,843,402$0$141,256,713
92$258,405,220$5,980,763$0$155,447,582
93$284,608,894$6,120,163$0$171,079,776
94$313,480,504$6,261,553$0$188,300,150
95$345,292,024$6,404,878$0$207,270,536
96$380,343,170$6,550,077$0$228,169,270
97$418,964,221$6,697,078$0$251,192,874
98$461,519,139$6,845,802$0$276,557,911
99$508,409,007$6,996,162$0$304,503,032
100$560,075,811$7,148,060$0$335,291,226