Can I retire at age 35 with 1,260,000?

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 $1,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$104,050$103,123$102,219$101,336$100,474$98,688
2 years$51,510$50,550$49,621$48,719$47,845$46,051
3 years$33,999$33,035$32,108$31,215$30,355$28,610
4 years$25,245$24,284$23,366$22,489$21,649$19,966
5 years$19,994$19,039$18,133$17,273$16,457$14,841
6 years$16,495$15,547$14,654$13,814$13,022$11,475
7 years$13,996$13,056$12,178$11,357$10,591$9,112
8 years$12,123$11,192$10,328$9,527$8,786$7,376
9 years$10,667$9,744$8,895$8,115$7,399$6,057
10 years$9,502$8,589$7,755$6,995$6,304$5,029
11 years$8,551$7,646$6,827$6,088$5,422$4,212
12 years$7,758$6,863$6,059$5,340$4,699$3,553
13 years$7,088$6,202$5,414$4,714$4,097$3,013
14 years$6,514$5,638$4,864$4,185$3,592$2,568
15 years$6,017$5,150$4,392$3,732$3,162$2,196
16 years$5,582$4,725$3,982$3,342$2,795$1,885
17 years$5,199$4,352$3,623$3,003$2,478$1,622
18 years$4,859$4,021$3,307$2,706$2,203$1,399
19 years$4,555$3,727$3,028$2,445$1,964$1,209
20 years$4,282$3,463$2,779$2,214$1,754$1,047
21 years$4,036$3,226$2,556$2,010$1,570$907
22 years$3,811$3,011$2,356$1,827$1,407$787
23 years$3,607$2,816$2,175$1,664$1,263$684
24 years$3,420$2,639$2,012$1,518$1,135$595
25 years$3,248$2,476$1,863$1,386$1,022$518
26 years$3,090$2,327$1,728$1,267$920$451
27 years$2,944$2,190$1,605$1,160$830$393
28 years$2,808$2,064$1,492$1,063$749$343
29 years$2,682$1,947$1,388$975$676$299
30 years$2,565$1,839$1,293$895$611$261
31 years$2,455$1,738$1,205$822$552$228
32 years$2,353$1,645$1,125$755$500$199
33 years$2,256$1,558$1,050$694$452$174
34 years$2,166$1,476$981$639$409$152
35 years$2,081$1,400$917$588$371$132
36 years$2,001$1,329$858$542$336$116
37 years$1,926$1,262$803$499$304$101
38 years$1,854$1,200$752$460$276$88
39 years$1,787$1,141$705$424$250$77
40 years$1,723$1,085$660$391$227$68
41 years$1,662$1,033$619$361$206$59
42 years$1,604$984$581$333$187$52
43 years$1,549$937$545$307$170$45
44 years$1,497$894$512$284$154$40
45 years$1,447$852$480$262$140$35
46 years$1,400$813$451$242$127$30
47 years$1,355$776$424$224$115$26
48 years$1,311$740$398$207$105$23
49 years$1,270$707$374$191$95$20
50 years$1,230$675$352$177$86$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,260,000, adding $4,764 every year, while hoping to spend $48,919 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: 43/45/12 Blend
34$1,260,000$1,260,000$1,260,000$1,260,000
35$1,393,434$1,326,654$1,307,124$1,448,306
36$1,483,515$1,339,611$1,298,863$1,500,066
37$1,581,144$1,351,563$1,288,686$1,550,824
38$1,687,041$1,362,409$1,276,477$1,604,728
39$1,801,994$1,372,042$1,262,114$1,662,088
40$1,926,874$1,380,348$1,245,471$1,723,246
41$2,062,635$1,387,205$1,226,414$1,788,581
42$2,210,329$1,392,483$1,204,804$1,858,512
43$2,371,113$1,396,045$1,180,495$1,933,506
44$2,546,259$1,397,745$1,153,335$2,014,077
45$2,737,170$1,397,426$1,123,164$2,100,797
46$2,945,385$1,394,925$1,089,815$2,194,297
47$3,172,604$1,390,065$1,053,112$2,295,277
48$3,420,692$1,382,661$1,012,874$2,404,512
49$3,691,706$1,372,515$968,909$2,522,859
50$3,987,910$1,359,418$921,018$2,651,268
51$4,311,796$1,343,149$868,991$2,790,789
52$4,666,108$1,323,471$812,610$2,942,585
53$5,053,866$1,300,137$751,648$3,107,941
54$5,478,398$1,272,881$685,866$3,288,279
55$5,943,367$1,241,425$615,015$3,485,174
56$6,452,807$1,205,471$538,834$3,700,364
57$7,011,161$1,164,707$457,053$3,935,774
58$7,623,323$1,118,801$369,388$4,193,530
59$8,294,681$1,067,402$275,542$4,475,985
60$9,031,172$1,010,138$175,206$4,785,738
61$9,839,334$946,617$68,057$5,125,661
62$10,726,368$876,423$0$5,498,930
63$11,700,208$799,118$0$5,914,980
64$12,769,591$714,237$0$6,381,445
65$13,944,144$621,289$0$6,893,931
66$15,234,472$519,757$0$7,457,220
67$16,652,255$409,093$0$8,076,586
68$18,210,364$288,717$0$8,757,857
69$19,922,977$158,020$0$9,507,461
70$21,805,715$16,357$0$10,332,496
71$23,875,784$0$0$11,240,794
72$26,152,147$0$0$12,308,817
73$28,655,691$0$0$13,492,512
74$31,409,431$0$0$14,794,682
75$34,438,725$0$0$16,227,340
76$37,771,511$0$0$17,803,722
77$41,438,573$0$0$19,538,413
78$45,473,827$0$0$21,447,482
79$49,914,645$0$0$23,548,635
80$54,802,206$0$0$25,861,381
81$60,181,880$0$0$28,407,217
82$66,103,661$0$0$31,209,829
83$72,622,635$0$0$34,295,317
84$79,799,501$0$0$37,692,442
85$87,701,143$0$0$41,432,891
86$96,401,258$0$0$45,551,584
87$105,981,054$0$0$50,086,999
88$116,530,016$0$0$55,081,535
89$128,146,747$0$0$60,581,912
90$140,939,901$0$0$66,639,612
91$155,029,206$0$0$73,311,366
92$170,546,592$0$0$80,659,685
93$187,637,441$0$0$88,753,456
94$206,461,953$0$0$97,668,586
95$227,196,657$0$0$107,488,720
96$250,036,082$0$0$118,306,033
97$275,194,587$0$0$130,222,097
98$302,908,387$0$0$143,348,837
99$333,437,780$0$0$157,809,594
100$367,069,601$0$0$173,740,282