Can I retire at age 35 with 1,350,000?

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 $1,350,000?

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%
1 years$111,482$110,489$109,520$108,574$107,651$105,391
2 years$55,189$54,161$53,165$52,199$51,262$48,996
3 years$36,427$35,395$34,401$33,445$32,523$30,321
4 years$27,048$26,019$25,035$24,095$23,196$21,076
5 years$21,422$20,399$19,428$18,507$17,633$15,600
6 years$17,673$16,657$15,701$14,800$13,952$12,009
7 years$14,996$13,989$13,048$12,168$11,347$9,494
8 years$12,989$11,991$11,065$10,208$9,413$7,650
9 years$11,429$10,440$9,531$8,695$7,927$6,252
10 years$10,181$9,203$8,309$7,495$6,755$5,165
11 years$9,161$8,193$7,315$6,523$5,809$4,304
12 years$8,312$7,353$6,492$5,721$5,034$3,612
13 years$7,594$6,645$5,800$5,051$4,390$3,047
14 years$6,979$6,040$5,211$4,484$3,848$2,582
15 years$6,446$5,518$4,705$3,999$3,388$2,197
16 years$5,981$5,063$4,266$3,580$2,994$1,875
17 years$5,571$4,662$3,882$3,217$2,655$1,604
18 years$5,206$4,308$3,544$2,899$2,361$1,375
19 years$4,881$3,993$3,244$2,620$2,104$1,182
20 years$4,588$3,710$2,977$2,373$1,880$1,017
21 years$4,324$3,456$2,738$2,153$1,682$876
22 years$4,084$3,226$2,524$1,958$1,508$756
23 years$3,865$3,017$2,330$1,783$1,353$652
24 years$3,665$2,827$2,155$1,626$1,216$564
25 years$3,481$2,653$1,996$1,485$1,095$488
26 years$3,311$2,493$1,851$1,358$986$422
27 years$3,154$2,347$1,719$1,243$889$365
28 years$3,009$2,211$1,598$1,139$802$316
29 years$2,874$2,086$1,487$1,044$724$274
30 years$2,748$1,970$1,385$958$654$238
31 years$2,631$1,862$1,291$880$592$206
32 years$2,521$1,762$1,205$809$535$179
33 years$2,418$1,669$1,125$744$484$155
34 years$2,321$1,582$1,051$684$439$135
35 years$2,230$1,500$983$630$397$117
36 years$2,144$1,424$919$580$360$101
37 years$2,063$1,352$861$535$326$88
38 years$1,987$1,285$806$493$296$76
39 years$1,914$1,222$755$454$268$66
40 years$1,846$1,163$708$419$243$58
41 years$1,781$1,107$664$387$221$50
42 years$1,719$1,054$622$357$200$43
43 years$1,660$1,004$584$329$182$38
44 years$1,604$957$548$304$165$33
45 years$1,551$913$515$281$150$28
46 years$1,500$871$484$259$136$25
47 years$1,451$831$454$240$123$21
48 years$1,405$793$427$222$112$19
49 years$1,361$758$401$205$102$16
50 years$1,318$724$377$189$92$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,350,000, adding $6,510 every year, while hoping to spend $53,921 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: 62/28/10 Blend
34$1,350,000$1,350,000$1,350,000$1,350,000
35$1,494,415$1,422,865$1,401,940$1,583,319
36$1,589,474$1,435,214$1,391,534$1,655,966
37$1,692,421$1,446,361$1,378,971$1,728,424
38$1,804,006$1,456,189$1,364,124$1,806,165
39$1,925,048$1,464,577$1,346,856$1,889,700
40$2,056,454$1,471,392$1,327,027$1,979,593
41$2,199,218$1,476,495$1,304,487$2,076,469
42$2,354,432$1,479,738$1,279,082$2,181,014
43$2,523,302$1,480,963$1,250,649$2,293,989
44$2,707,152$1,480,003$1,219,018$2,416,231
45$2,907,437$1,476,679$1,184,012$2,548,666
46$3,125,763$1,470,804$1,145,443$2,692,315
47$3,363,894$1,462,176$1,103,119$2,848,305
48$3,623,772$1,450,584$1,056,834$3,017,880
49$3,907,536$1,435,801$1,006,377$3,202,413
50$4,217,539$1,417,590$951,525$3,403,418
51$4,556,372$1,395,696$892,045$3,622,569
52$4,926,889$1,369,852$827,696$3,861,711
53$5,332,230$1,339,773$758,222$4,122,879
54$5,775,854$1,305,159$683,359$4,408,323
55$6,261,569$1,265,690$602,830$4,720,521
56$6,793,570$1,221,029$516,345$5,062,211
57$7,376,474$1,170,819$423,603$5,436,412
58$8,015,368$1,114,683$324,287$5,846,456
59$8,715,854$1,052,221$218,069$6,296,019
60$9,484,101$983,010$104,605$6,789,157
61$10,326,906$906,604$0$7,330,346
62$11,251,752$822,530$0$7,926,280
63$12,266,885$730,288$0$8,592,673
64$13,381,387$629,351$0$9,324,402
65$14,605,260$519,162$0$10,128,137
66$15,949,527$399,131$0$11,011,236
67$17,426,327$268,636$0$11,981,810
68$19,049,033$127,020$0$13,048,803
69$20,832,380$0$0$14,222,079
70$22,792,599$0$0$15,520,650
71$24,947,573$0$0$16,991,371
72$27,317,003$0$0$18,608,566
73$29,922,596$0$0$20,387,063
74$32,788,266$0$0$22,343,200
75$35,940,362$0$0$24,494,977
76$39,407,913$0$0$26,862,228
77$43,222,906$0$0$29,466,805
78$47,420,584$0$0$32,332,785
79$52,039,776$0$0$35,486,695
80$57,123,268$0$0$38,957,768
81$62,718,202$0$0$42,778,210
82$68,876,523$0$0$46,983,510
83$75,655,466$0$0$51,612,771
84$83,118,098$0$0$56,709,080
85$91,333,910$0$0$62,319,915
86$100,379,474$0$0$68,497,590
87$110,339,166$0$0$75,299,751
88$121,305,957$0$0$82,789,917
89$133,382,295$0$0$91,038,083
90$146,681,068$0$0$100,121,374
91$161,326,670$0$0$110,124,780
92$177,456,174$0$0$121,141,950
93$195,220,623$0$0$133,276,082
94$214,786,460$0$0$146,640,891
95$236,337,093$0$0$161,361,686
96$260,074,626$0$0$177,576,550
97$286,221,768$0$0$195,437,644
98$315,023,935$0$0$215,112,639
99$346,751,560$0$0$236,786,306
100$381,702,651$0$0$260,662,250