Can I retire at age 35 with 1,360,000?

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 $1,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$112,308$111,307$110,331$109,379$108,448$106,433
2 years$55,598$54,562$53,559$52,586$51,642$49,619
3 years$36,697$35,657$34,656$33,692$32,764$30,796
4 years$27,248$26,212$25,221$24,273$23,367$21,471
5 years$21,581$20,550$19,572$18,644$17,764$15,943
6 years$17,804$16,781$15,817$14,910$14,056$12,313
7 years$15,107$14,093$13,144$12,258$11,431$9,767
8 years$13,085$12,080$11,147$10,283$9,483$7,897
9 years$11,513$10,518$9,601$8,759$7,986$6,477
10 years$10,257$9,271$8,371$7,550$6,805$5,372
11 years$9,229$8,253$7,369$6,571$5,852$4,493
12 years$8,374$7,408$6,540$5,764$5,071$3,785
13 years$7,650$6,694$5,843$5,088$4,422$3,206
14 years$7,031$6,085$5,250$4,517$3,877$2,728
15 years$6,494$5,559$4,740$4,028$3,413$2,330
16 years$6,025$5,100$4,298$3,607$3,017$1,997
17 years$5,612$4,697$3,911$3,241$2,675$1,716
18 years$5,245$4,340$3,570$2,921$2,378$1,478
19 years$4,917$4,022$3,268$2,639$2,120$1,275
20 years$4,622$3,738$2,999$2,390$1,893$1,102
21 years$4,356$3,482$2,759$2,169$1,694$954
22 years$4,114$3,250$2,543$1,972$1,519$827
23 years$3,893$3,040$2,348$1,796$1,363$717
24 years$3,692$2,848$2,171$1,638$1,225$623
25 years$3,506$2,673$2,011$1,496$1,103$541
26 years$3,335$2,512$1,865$1,368$993$470
27 years$3,178$2,364$1,732$1,252$896$409
28 years$3,031$2,228$1,610$1,147$808$356
29 years$2,895$2,101$1,498$1,052$730$310
30 years$2,768$1,985$1,396$966$659$270
31 years$2,650$1,876$1,301$887$596$236
32 years$2,539$1,775$1,214$815$539$205
33 years$2,436$1,681$1,133$749$488$179
34 years$2,338$1,593$1,059$690$442$156
35 years$2,246$1,511$990$635$400$136
36 years$2,160$1,434$926$585$363$119
37 years$2,078$1,362$867$539$329$104
38 years$2,001$1,295$812$496$298$90
39 years$1,928$1,231$761$458$270$79
40 years$1,859$1,171$713$422$245$69
41 years$1,794$1,115$668$390$222$60
42 years$1,731$1,062$627$360$202$52
43 years$1,672$1,012$588$332$183$46
44 years$1,616$964$552$306$166$40
45 years$1,562$920$519$283$151$35
46 years$1,511$877$487$261$137$30
47 years$1,462$837$458$242$124$27
48 years$1,415$799$430$223$113$23
49 years$1,371$763$404$206$103$20
50 years$1,328$729$380$191$93$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,360,000, adding $3,500 every year, while hoping to spend $20,345 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: 30/45/25 Blend
34$1,360,000$1,360,000$1,360,000$1,360,000
35$1,502,330$1,430,250$1,409,170$1,535,694
36$1,633,921$1,478,686$1,434,731$1,610,207
37$1,778,252$1,528,812$1,460,465$1,688,276
38$1,936,602$1,580,692$1,486,359$1,771,850
39$2,110,377$1,634,388$1,512,394$1,861,418
40$2,301,130$1,689,967$1,538,553$1,957,522
41$2,510,567$1,747,498$1,564,817$2,060,752
42$2,740,571$1,807,051$1,591,164$2,171,759
43$2,993,213$1,868,701$1,617,572$2,291,258
44$3,270,778$1,932,524$1,644,018$2,420,034
45$3,575,781$1,998,601$1,670,476$2,558,949
46$3,910,993$2,067,015$1,696,919$2,708,951
47$4,279,466$2,137,850$1,723,318$2,871,084
48$4,684,565$2,211,198$1,749,642$3,046,493
49$5,129,994$2,287,150$1,775,858$3,236,440
50$5,619,836$2,365,804$1,801,933$3,442,309
51$6,158,590$2,447,259$1,827,828$3,665,627
52$6,751,211$2,531,619$1,853,505$3,908,070
53$7,403,159$2,618,993$1,878,922$4,171,485
54$8,120,451$2,709,494$1,904,036$4,457,901
55$8,909,715$2,803,237$1,928,799$4,769,554
56$9,778,254$2,900,344$1,953,162$5,108,903
57$10,734,117$3,000,941$1,977,074$5,478,654
58$11,786,170$3,105,160$2,000,479$5,881,786
59$12,944,183$3,213,137$2,023,318$6,321,579
60$14,218,922$3,325,013$2,045,532$6,801,643
61$15,622,249$3,440,935$2,067,054$7,325,952
62$17,167,234$3,561,057$2,087,816$7,898,883
63$18,868,281$3,685,538$2,107,747$8,525,253
64$20,741,259$3,814,543$2,126,771$9,210,368
65$22,803,657$3,948,245$2,144,806$9,960,069
66$25,074,742$4,086,821$2,161,770$10,780,790
67$27,575,749$4,230,459$2,177,572$11,679,616
68$30,330,076$4,379,352$2,192,121$12,664,349
69$33,363,504$4,533,700$2,205,318$13,743,583
70$36,704,445$4,693,715$2,217,059$14,926,782
71$40,384,204$4,859,613$2,227,236$16,224,371
72$44,437,280$5,031,620$2,235,736$17,647,834
73$48,901,686$5,209,974$2,242,437$19,209,817
74$53,819,314$5,394,919$2,247,214$20,924,253
75$59,236,324$5,586,710$2,249,936$22,806,490
76$65,203,584$5,785,613$2,250,464$24,873,435
77$71,777,147$5,991,905$2,248,651$27,143,710
78$79,018,781$6,205,873$2,244,346$29,637,834
79$86,996,553$6,427,818$2,237,388$32,378,410
80$95,785,470$6,658,050$2,227,610$35,390,338
81$105,468,188$6,896,894$2,214,834$38,701,053
82$116,135,790$7,144,689$2,198,878$42,340,779
83$127,888,648$7,401,786$2,179,548$46,342,815
84$140,837,367$7,668,551$2,156,640$50,743,849
85$155,103,835$7,945,366$2,129,944$55,584,300
86$170,822,366$8,232,629$2,099,237$60,908,705
87$188,140,972$8,530,752$2,064,286$66,766,131
88$207,222,759$8,840,167$2,024,848$73,210,642
89$228,247,468$9,161,323$1,980,668$80,301,806
90$251,413,169$9,494,687$1,931,480$88,105,258
91$276,938,133$9,840,747$1,877,004$96,693,315
92$305,062,888$10,200,009$1,816,949$106,145,661
93$336,052,496$10,573,003$1,751,010$116,550,097
94$370,199,049$10,960,279$1,678,868$128,003,365
95$407,824,430$11,362,411$1,600,189$140,612,065
96$449,283,351$11,779,998$1,514,624$154,493,658
97$494,966,697$12,213,662$1,421,808$169,777,570
98$545,305,223$12,664,055$1,321,361$186,606,417
99$600,773,614$13,131,851$1,212,885$205,137,348
100$661,894,970$13,617,759$1,095,964$225,543,524