Can I retire at age 35 with 1,310,000?

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 $1,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$108,179$107,215$106,275$105,357$104,461$102,102
2 years$53,554$52,556$51,590$50,653$49,743$47,379
3 years$35,348$34,346$33,382$32,454$31,559$29,264
4 years$26,247$25,248$24,294$23,381$22,508$20,299
5 years$20,787$19,795$18,853$17,959$17,110$14,994
6 years$17,149$16,164$15,236$14,362$13,539$11,518
7 years$14,551$13,574$12,661$11,808$11,011$9,085
8 years$12,604$11,636$10,738$9,905$9,135$7,303
9 years$11,090$10,131$9,248$8,437$7,693$5,954
10 years$9,880$8,930$8,063$7,273$6,554$4,907
11 years$8,890$7,950$7,098$6,329$5,637$4,079
12 years$8,066$7,135$6,300$5,552$4,885$3,414
13 years$7,369$6,448$5,628$4,901$4,260$2,872
14 years$6,772$5,861$5,057$4,351$3,734$2,428
15 years$6,255$5,354$4,566$3,880$3,288$2,060
16 years$5,804$4,913$4,140$3,474$2,906$1,753
17 years$5,406$4,524$3,767$3,122$2,576$1,495
18 years$5,052$4,181$3,439$2,813$2,291$1,278
19 years$4,736$3,875$3,148$2,542$2,042$1,095
20 years$4,452$3,600$2,889$2,302$1,824$939
21 years$4,196$3,354$2,657$2,089$1,632$807
22 years$3,963$3,131$2,449$1,900$1,463$694
23 years$3,750$2,928$2,261$1,730$1,313$597
24 years$3,556$2,743$2,091$1,578$1,180$514
25 years$3,377$2,574$1,937$1,441$1,062$443
26 years$3,213$2,420$1,797$1,318$957$382
27 years$3,061$2,277$1,668$1,206$863$330
28 years$2,920$2,146$1,551$1,105$778$285
29 years$2,789$2,024$1,443$1,013$703$246
30 years$2,667$1,912$1,344$930$635$213
31 years$2,553$1,807$1,253$854$574$184
32 years$2,446$1,710$1,169$785$519$159
33 years$2,346$1,619$1,092$722$470$137
34 years$2,252$1,535$1,020$664$426$119
35 years$2,164$1,456$954$611$385$103
36 years$2,081$1,382$892$563$349$89
37 years$2,002$1,312$835$519$317$77
38 years$1,928$1,247$782$478$287$67
39 years$1,858$1,186$733$441$260$58
40 years$1,791$1,128$687$407$236$50
41 years$1,728$1,074$644$375$214$43
42 years$1,668$1,023$604$346$194$37
43 years$1,611$975$567$320$176$32
44 years$1,556$929$532$295$160$28
45 years$1,505$886$500$273$145$24
46 years$1,455$845$469$252$132$21
47 years$1,408$806$441$233$120$18
48 years$1,363$770$414$215$109$16
49 years$1,320$735$389$199$99$14
50 years$1,279$702$366$184$90$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,310,000, adding $5,200 every year, while hoping to spend $29,844 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: 31/50/19 Blend
34$1,310,000$1,310,000$1,310,000$1,310,000
35$1,448,984$1,379,554$1,359,249$1,485,152
36$1,565,026$1,415,398$1,373,030$1,548,620
37$1,691,905$1,451,999$1,386,272$1,613,824
38$1,830,694$1,489,361$1,398,927$1,683,383
39$1,982,574$1,527,489$1,410,941$1,757,692
40$2,148,849$1,566,389$1,422,259$1,837,189
41$2,330,951$1,606,061$1,432,825$1,922,353
42$2,530,460$1,646,510$1,442,576$2,013,712
43$2,749,114$1,687,736$1,451,450$2,111,849
44$2,988,828$1,729,740$1,459,377$2,217,405
45$3,251,711$1,772,519$1,466,289$2,331,087
46$3,540,085$1,816,073$1,472,110$2,453,670
47$3,856,510$1,860,396$1,476,761$2,586,014
48$4,203,803$1,905,485$1,480,162$2,729,061
49$4,585,069$1,951,331$1,482,225$2,883,851
50$5,003,727$1,997,928$1,482,861$3,051,531
51$5,463,544$2,045,263$1,481,973$3,233,364
52$5,968,670$2,093,325$1,479,464$3,430,740
53$6,523,676$2,142,099$1,475,227$3,645,194
54$7,133,597$2,191,569$1,469,154$3,878,415
55$7,803,982$2,241,714$1,461,129$4,132,267
56$8,540,944$2,292,513$1,451,032$4,408,802
57$9,351,216$2,343,942$1,438,737$4,710,283
58$10,242,217$2,395,972$1,424,112$5,039,205
59$11,222,121$2,448,573$1,407,018$5,398,316
60$12,299,934$2,501,710$1,387,310$5,790,646
61$13,485,579$2,555,345$1,364,836$6,219,536
62$14,789,987$2,609,436$1,339,437$6,688,667
63$16,225,205$2,663,937$1,310,947$7,202,098
64$17,804,504$2,718,799$1,279,192$7,764,301
65$19,542,508$2,773,964$1,243,990$8,380,209
66$21,455,330$2,829,374$1,205,149$9,055,257
67$23,560,723$2,884,963$1,162,471$9,795,435
68$25,878,250$2,940,660$1,115,748$10,607,351
69$28,429,467$2,996,387$1,064,760$11,498,283
70$31,238,124$3,052,062$1,009,281$12,476,257
71$34,330,393$3,107,593$949,072$13,550,121
72$37,735,112$3,162,884$883,885$14,729,626
73$41,484,057$3,217,829$813,459$16,025,521
74$45,612,243$3,272,316$737,523$17,449,655
75$50,158,254$3,326,221$655,792$19,015,091
76$55,164,606$3,379,416$567,970$20,736,226
77$60,678,147$3,431,758$473,749$22,628,930
78$66,750,502$3,483,098$372,803$24,710,696
79$73,438,557$3,533,274$264,796$27,000,808
80$80,804,998$3,582,113$149,375$29,520,520
81$88,918,901$3,629,429$26,172$32,293,261
82$97,856,384$3,675,026$0$35,344,855
83$107,701,324$3,718,691$0$38,725,117
84$118,546,151$3,760,199$0$42,451,123
85$130,492,718$3,799,309$0$46,552,228
86$143,653,263$3,835,763$0$51,066,642
87$158,151,468$3,869,287$0$56,036,471
88$174,123,625$3,899,590$0$61,508,121
89$191,719,924$3,926,359$0$67,532,738
90$211,105,870$3,949,265$0$74,166,686
91$232,463,844$3,967,954$0$81,472,085
92$255,994,824$3,982,052$0$89,517,395
93$281,920,284$3,991,160$0$98,378,067
94$310,484,282$3,994,855$0$108,137,254
95$341,955,763$3,992,687$0$118,886,595
96$376,631,100$3,984,179$0$130,727,087
97$414,836,892$3,968,823$0$143,770,034
98$456,933,041$3,946,081$0$158,138,104
99$503,316,155$3,915,383$0$173,966,486
100$554,423,288$3,876,122$0$191,404,168