Can I retire at age 35 with 1,290,000?

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 $1,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$106,527$105,578$104,652$103,749$102,866$100,502
2 years$52,736$51,754$50,802$49,879$48,984$46,615
3 years$34,808$33,822$32,872$31,958$31,077$28,778
4 years$25,846$24,863$23,923$23,024$22,165$19,952
5 years$20,470$19,493$18,565$17,685$16,849$14,730
6 years$16,887$15,917$15,003$14,143$13,332$11,308
7 years$14,329$13,367$12,468$11,627$10,843$8,915
8 years$12,411$11,458$10,574$9,754$8,995$7,162
9 years$10,921$9,976$9,107$8,308$7,575$5,836
10 years$9,729$8,794$7,940$7,162$6,454$4,807
11 years$8,754$7,829$6,990$6,233$5,551$3,993
12 years$7,943$7,026$6,203$5,467$4,810$3,339
13 years$7,256$6,350$5,542$4,827$4,195$2,808
14 years$6,669$5,772$4,980$4,284$3,677$2,372
15 years$6,160$5,273$4,496$3,821$3,238$2,011
16 years$5,715$4,838$4,076$3,421$2,861$1,710
17 years$5,323$4,455$3,709$3,074$2,537$1,458
18 years$4,975$4,117$3,386$2,770$2,256$1,245
19 years$4,664$3,815$3,100$2,503$2,011$1,066
20 years$4,384$3,545$2,845$2,267$1,796$914
21 years$4,132$3,302$2,617$2,058$1,607$784
22 years$3,902$3,083$2,412$1,871$1,441$674
23 years$3,693$2,883$2,227$1,704$1,293$579
24 years$3,502$2,701$2,059$1,554$1,162$499
25 years$3,326$2,535$1,907$1,419$1,046$430
26 years$3,164$2,383$1,769$1,298$942$370
27 years$3,014$2,242$1,643$1,188$849$319
28 years$2,875$2,113$1,527$1,088$766$275
29 years$2,746$1,993$1,421$998$692$238
30 years$2,626$1,882$1,324$916$625$205
31 years$2,514$1,780$1,234$841$565$177
32 years$2,409$1,684$1,151$773$511$153
33 years$2,310$1,595$1,075$711$463$132
34 years$2,218$1,511$1,004$654$419$114
35 years$2,131$1,433$939$602$380$99
36 years$2,049$1,361$879$555$344$85
37 years$1,971$1,292$822$511$312$74
38 years$1,898$1,228$770$471$283$64
39 years$1,829$1,168$721$434$256$55
40 years$1,764$1,111$676$400$232$48
41 years$1,701$1,058$634$370$211$41
42 years$1,642$1,007$595$341$191$36
43 years$1,586$960$558$315$174$31
44 years$1,533$915$524$291$158$27
45 years$1,482$872$492$268$143$23
46 years$1,433$832$462$248$130$20
47 years$1,387$794$434$229$118$17
48 years$1,342$758$408$212$107$15
49 years$1,300$724$383$196$97$13
50 years$1,259$692$360$181$88$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,290,000, adding $5,475 every year, while hoping to spend $59,863 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: 45/49/6 Blend
34$1,290,000$1,290,000$1,290,000$1,290,000
35$1,427,227$1,358,857$1,338,862$1,488,845
36$1,509,111$1,361,748$1,320,021$1,534,755
37$1,597,340$1,362,773$1,298,541$1,577,848
38$1,692,499$1,361,779$1,274,273$1,623,170
39$1,795,230$1,358,602$1,247,056$1,670,947
40$1,906,237$1,353,067$1,216,726$1,721,428
41$2,026,295$1,344,990$1,183,109$1,774,892
42$2,156,256$1,334,174$1,146,022$1,831,649
43$2,297,057$1,320,411$1,105,277$1,892,045
44$2,449,727$1,303,481$1,060,673$1,956,465
45$2,615,397$1,283,150$1,012,004$2,025,338
46$2,795,314$1,259,170$959,053$2,099,140
47$2,990,846$1,231,280$901,591$2,178,402
48$3,203,501$1,199,201$839,383$2,263,714
49$3,434,935$1,162,639$772,179$2,355,731
50$3,686,973$1,121,282$699,721$2,455,182
51$3,961,621$1,074,803$621,739$2,562,876
52$4,261,089$1,022,850$537,950$2,679,712
53$4,587,807$965,057$448,058$2,806,688
54$4,944,451$901,032$351,756$2,944,911
55$5,333,967$830,364$248,721$3,095,611
56$5,759,596$752,617$138,618$3,260,150
57$6,224,909$667,329$21,096$3,440,040
58$6,733,835$574,014$0$3,636,958
59$7,290,702$472,156$0$3,859,440
60$7,900,275$361,214$0$4,104,743
61$8,567,802$240,612$0$4,373,820
62$9,299,059$109,743$0$4,669,226
63$10,100,411$0$0$4,993,788
64$10,978,866$0$0$5,367,904
65$11,942,142$0$0$5,843,182
66$12,998,740$0$0$6,364,663
67$14,158,023$0$0$6,936,987
68$15,430,306$0$0$7,565,267
69$16,826,949$0$0$8,255,133
70$18,360,467$0$0$9,012,790
71$20,044,644$0$0$9,845,070
72$21,894,666$0$0$10,759,502
73$23,927,263$0$0$11,764,378
74$26,160,865$0$0$12,868,834
75$28,615,773$0$0$14,082,937
76$31,314,357$0$0$15,417,774
77$34,281,260$0$0$16,885,564
78$37,543,631$0$0$18,499,767
79$41,131,383$0$0$20,275,212
80$45,077,472$0$0$22,228,240
81$49,418,209$0$0$24,376,853
82$54,193,600$0$0$26,740,886
83$59,447,725$0$0$29,342,194
84$65,229,152$0$0$32,204,859
85$71,591,394$0$0$35,355,413
86$78,593,414$0$0$38,823,092
87$86,300,180$0$0$42,640,109
88$94,783,279$0$0$46,841,959
89$104,121,590$0$0$51,467,753
90$114,402,026$0$0$56,560,588
91$125,720,358$0$0$62,167,950
92$138,182,113$0$0$68,342,166
93$151,903,573$0$0$75,140,894
94$167,012,869$0$0$82,627,670
95$183,651,190$0$0$90,872,501
96$201,974,114$0$0$99,952,536
97$222,153,077$0$0$109,952,781
98$244,376,989$0$0$120,966,912
99$268,854,016$0$0$133,098,151
100$295,813,542$0$0$146,460,243