Can I retire at age 35 with 1,270,000?

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 $1,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$104,875$103,941$103,030$102,140$101,272$100,591
2 years$51,919$50,952$50,014$49,106$48,225$47,538
3 years$34,269$33,297$32,363$31,463$30,596$29,925
4 years$25,445$24,477$23,552$22,667$21,821$21,171
5 years$20,153$19,190$18,277$17,410$16,588$15,960
6 years$16,625$15,670$14,771$13,923$13,126$12,521
7 years$14,107$13,160$12,274$11,447$10,675$10,094
8 years$12,219$11,281$10,410$9,603$8,856$8,299
9 years$10,751$9,822$8,966$8,179$7,458$6,924
10 years$9,578$8,657$7,817$7,051$6,354$5,844
11 years$8,618$7,707$6,882$6,136$5,465$4,977
12 years$7,819$6,918$6,107$5,382$4,736$4,271
13 years$7,144$6,251$5,456$4,752$4,130$3,687
14 years$6,565$5,682$4,903$4,218$3,620$3,198
15 years$6,064$5,191$4,426$3,762$3,187$2,786
16 years$5,627$4,763$4,013$3,368$2,817$2,436
17 years$5,241$4,386$3,652$3,026$2,498$2,137
18 years$4,898$4,053$3,334$2,727$2,221$1,879
19 years$4,592$3,756$3,052$2,464$1,980$1,656
20 years$4,316$3,491$2,801$2,232$1,768$1,462
21 years$4,068$3,251$2,576$2,026$1,582$1,293
22 years$3,842$3,035$2,374$1,842$1,418$1,146
23 years$3,636$2,839$2,192$1,677$1,273$1,016
24 years$3,447$2,660$2,028$1,530$1,144$902
25 years$3,274$2,496$1,878$1,397$1,030$802
26 years$3,115$2,346$1,742$1,277$928$714
27 years$2,967$2,208$1,617$1,169$836$636
28 years$2,831$2,080$1,503$1,071$755$566
29 years$2,704$1,962$1,399$982$681$505
30 years$2,585$1,853$1,303$902$616$450
31 years$2,475$1,752$1,215$828$557$402
32 years$2,371$1,658$1,134$761$503$359
33 years$2,274$1,570$1,058$700$456$321
34 years$2,183$1,488$989$644$413$286
35 years$2,098$1,411$925$593$374$256
36 years$2,017$1,339$865$546$339$229
37 years$1,941$1,272$810$503$307$205
38 years$1,869$1,209$758$464$278$183
39 years$1,801$1,150$710$427$252$164
40 years$1,736$1,094$666$394$229$147
41 years$1,675$1,041$624$364$208$131
42 years$1,617$992$586$336$188$117
43 years$1,562$945$549$310$171$105
44 years$1,509$901$516$286$155$94
45 years$1,459$859$484$264$141$84
46 years$1,411$819$455$244$128$75
47 years$1,365$782$427$226$116$68
48 years$1,322$746$402$208$105$60
49 years$1,280$713$377$193$96$54
50 years$1,240$681$355$178$87$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,270,000, adding $6,806 every year, while hoping to spend $20,091 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: 69/17/14 Blend
34$1,270,000$1,270,000$1,270,000$1,270,000
35$1,406,560$1,339,250$1,319,565$1,498,691
36$1,528,653$1,383,497$1,342,394$1,605,090
37$1,662,525$1,429,238$1,365,314$1,718,413
38$1,809,358$1,476,526$1,388,308$1,841,880
39$1,970,452$1,525,415$1,411,355$1,976,485
40$2,147,238$1,575,960$1,434,435$2,123,325
41$2,341,294$1,628,220$1,457,526$2,283,605
42$2,554,357$1,682,254$1,480,605$2,458,655
43$2,788,342$1,738,125$1,503,645$2,649,937
44$3,045,356$1,795,896$1,526,621$2,859,062
45$3,327,723$1,855,636$1,549,503$3,087,804
46$3,638,001$1,917,413$1,572,262$3,338,117
47$3,979,010$1,981,298$1,594,865$3,612,153
48$4,353,854$2,047,367$1,617,278$3,912,281
49$4,765,955$2,115,696$1,639,465$4,241,111
50$5,219,082$2,186,365$1,661,388$4,601,519
51$5,717,390$2,259,458$1,683,005$4,996,671
52$6,265,452$2,335,060$1,704,274$5,430,055
53$6,868,311$2,413,261$1,725,150$5,905,515
54$7,531,520$2,494,152$1,745,584$6,427,284
55$8,261,200$2,577,831$1,765,527$7,000,024
56$9,064,094$2,664,395$1,784,923$7,628,873
57$9,947,631$2,753,950$1,803,717$8,319,491
58$10,919,997$2,846,601$1,821,849$9,078,112
59$11,990,212$2,942,460$1,839,256$9,911,606
60$13,168,214$3,041,641$1,855,872$10,827,542
61$14,464,956$3,144,265$1,871,628$11,834,257
62$15,892,503$3,250,456$1,886,449$12,940,938
63$17,464,151$3,360,342$1,900,258$14,157,708
64$19,194,553$3,474,056$1,912,975$15,495,719
65$21,099,850$3,591,738$1,924,512$16,967,259
66$23,197,832$3,713,531$1,934,781$18,585,866
67$25,508,102$3,839,584$1,943,687$20,366,458
68$28,052,257$3,970,053$1,951,129$22,325,474
69$30,854,100$4,105,098$1,957,005$24,481,023
70$33,939,857$4,244,887$1,961,203$26,853,063
71$37,338,429$4,389,592$1,963,610$29,463,584
72$41,081,661$4,539,394$1,964,103$32,336,814
73$45,204,646$4,694,480$1,962,556$35,499,454
74$49,746,054$4,855,044$1,958,836$38,980,922
75$54,748,497$5,021,287$1,952,803$42,813,635
76$60,258,933$5,193,419$1,944,310$47,033,316
77$66,329,105$5,371,658$1,933,206$51,679,326
78$73,016,033$5,556,228$1,919,327$56,795,039
79$80,382,550$5,747,365$1,902,507$62,428,250
80$88,497,897$5,945,313$1,882,568$68,631,626
81$97,438,374$6,150,325$1,859,325$75,463,202
82$107,288,060$6,362,663$1,832,584$82,986,930
83$118,139,610$6,582,601$1,802,144$91,273,283
84$130,095,126$6,810,424$1,767,791$100,399,916
85$143,267,120$7,046,426$1,729,304$110,452,404
86$157,779,580$7,290,915$1,686,449$121,525,044
87$173,769,136$7,544,209$1,638,984$133,721,749
88$191,386,352$7,806,639$1,586,654$147,157,029
89$210,797,146$8,078,551$1,529,193$161,957,066
90$232,184,357$8,360,301$1,466,323$178,260,912
91$255,749,469$8,652,264$1,397,753$196,221,796
92$281,714,516$8,954,825$1,323,178$216,008,573
93$310,324,172$9,268,388$1,242,281$237,807,315
94$341,848,070$9,593,371$1,154,729$261,823,072
95$376,583,336$9,930,209$1,060,175$288,281,800
96$414,857,402$10,279,356$958,257$317,432,501
97$457,031,094$10,641,281$848,596$349,549,570
98$503,502,037$11,016,475$730,795$384,935,381
99$554,708,410$11,405,448$604,442$423,923,151
100$611,133,082$11,808,728$469,105$466,880,074