Can I retire at age 35 with 1,380,000?

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 $1,380,000?

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$113,959$112,944$111,954$110,987$110,043$107,558
2 years$56,415$55,365$54,346$53,359$52,401$49,911
3 years$37,237$36,181$35,166$34,188$33,246$30,827
4 years$27,649$26,597$25,592$24,630$23,711$21,384
5 years$21,898$20,853$19,860$18,918$18,025$15,795
6 years$18,065$17,028$16,050$15,129$14,262$12,133
7 years$15,329$14,300$13,338$12,439$11,599$9,570
8 years$13,277$12,258$11,311$10,434$9,623$7,693
9 years$11,683$10,672$9,742$8,888$8,104$6,272
10 years$10,407$9,407$8,494$7,661$6,905$5,170
11 years$9,365$8,375$7,478$6,668$5,938$4,297
12 years$8,497$7,517$6,636$5,848$5,146$3,596
13 years$7,763$6,793$5,929$5,163$4,487$3,026
14 years$7,134$6,175$5,327$4,583$3,934$2,557
15 years$6,590$5,641$4,810$4,088$3,463$2,170
16 years$6,114$5,175$4,361$3,660$3,061$1,846
17 years$5,695$4,766$3,968$3,288$2,714$1,575
18 years$5,322$4,404$3,622$2,964$2,413$1,347
19 years$4,989$4,082$3,316$2,678$2,151$1,153
20 years$4,690$3,793$3,043$2,425$1,921$989
21 years$4,420$3,533$2,799$2,201$1,719$850
22 years$4,174$3,298$2,580$2,001$1,541$731
23 years$3,951$3,084$2,382$1,823$1,383$629
24 years$3,746$2,890$2,203$1,662$1,243$542
25 years$3,558$2,712$2,041$1,518$1,119$467
26 years$3,384$2,549$1,893$1,388$1,008$403
27 years$3,224$2,399$1,757$1,271$909$348
28 years$3,076$2,260$1,634$1,164$820$300
29 years$2,938$2,132$1,520$1,068$740$259
30 years$2,809$2,014$1,416$980$669$224
31 years$2,689$1,904$1,320$900$605$194
32 years$2,577$1,801$1,232$827$547$167
33 years$2,471$1,706$1,150$760$495$145
34 years$2,372$1,617$1,075$700$448$125
35 years$2,279$1,533$1,005$644$406$108
36 years$2,192$1,455$940$593$368$94
37 years$2,109$1,382$880$547$333$81
38 years$2,031$1,314$824$504$302$70
39 years$1,957$1,249$772$464$274$61
40 years$1,887$1,189$723$428$249$52
41 years$1,820$1,131$678$395$226$45
42 years$1,757$1,078$636$365$205$39
43 years$1,697$1,027$597$337$186$34
44 years$1,640$979$560$311$169$29
45 years$1,585$933$526$287$153$25
46 years$1,533$890$494$265$139$22
47 years$1,484$850$464$245$126$19
48 years$1,436$811$436$226$115$17
49 years$1,391$774$410$209$104$14
50 years$1,347$740$386$193$95$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,380,000, adding $3,637 every year, while hoping to spend $29,827 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: 64/28/8 Blend
34$1,380,000$1,380,000$1,380,000$1,380,000
35$1,524,512$1,451,372$1,429,982$1,619,429
36$1,648,276$1,490,753$1,446,150$1,722,520
37$1,783,665$1,531,065$1,461,861$1,831,228
38$1,931,832$1,572,320$1,477,067$1,949,186
39$2,094,049$1,614,534$1,491,718$2,077,292
40$2,271,714$1,657,719$1,505,764$2,216,531
41$2,466,370$1,701,888$1,519,148$2,367,990
42$2,679,714$1,747,054$1,531,813$2,532,866
43$2,913,614$1,793,229$1,543,698$2,712,474
44$3,170,130$1,840,425$1,554,739$2,908,267
45$3,451,529$1,888,652$1,564,869$3,121,840
46$3,760,310$1,937,920$1,574,017$3,354,952
47$4,099,223$1,988,240$1,582,108$3,609,541
48$4,471,299$2,039,619$1,589,064$3,887,740
49$4,879,877$2,092,065$1,594,802$4,191,899
50$5,328,633$2,145,585$1,599,237$4,524,606
51$5,821,619$2,200,185$1,602,277$4,888,714
52$6,363,298$2,255,868$1,603,828$5,287,363
53$6,958,587$2,312,637$1,603,788$5,724,013
54$7,612,901$2,370,494$1,602,053$6,202,476
55$8,332,208$2,429,440$1,598,513$6,726,952
56$9,123,082$2,489,471$1,593,052$7,302,068
57$9,992,767$2,550,585$1,585,549$7,932,921
58$10,949,242$2,612,777$1,575,878$8,625,128
59$12,001,299$2,676,038$1,563,905$9,384,876
60$13,158,627$2,740,359$1,549,490$10,218,983
61$14,431,897$2,805,727$1,532,489$11,134,961
62$15,832,870$2,872,127$1,512,747$12,141,088
63$17,374,504$2,939,543$1,490,105$13,246,483
64$19,071,075$3,007,951$1,464,395$14,461,197
65$20,938,314$3,077,330$1,435,441$15,796,301
66$22,993,553$3,147,651$1,403,060$17,263,999
67$25,255,893$3,218,883$1,367,060$18,877,734
68$27,746,376$3,290,990$1,327,238$20,652,323
69$30,488,192$3,363,934$1,283,386$22,604,090
70$33,506,891$3,437,670$1,235,283$24,751,026
71$36,830,627$3,512,150$1,182,699$27,112,954
72$40,490,425$3,587,319$1,125,393$29,711,719
73$44,520,469$3,663,119$1,063,115$32,571,393
74$48,958,429$3,739,483$995,601$35,718,501
75$53,845,811$3,816,341$922,576$39,182,277
76$59,228,356$3,893,614$843,755$42,994,931
77$65,156,464$3,971,216$758,836$47,191,962
78$71,685,674$4,049,056$667,507$51,812,486
79$78,877,185$4,127,033$569,441$56,899,611
80$86,798,437$4,205,036$464,297$62,500,840
81$95,523,744$4,282,949$351,717$68,668,520
82$105,134,996$4,360,644$231,330$75,460,340
83$115,722,432$4,437,982$102,746$82,939,872
84$127,385,493$4,514,816$0$91,177,171
85$140,233,755$4,590,984$0$100,252,382
86$154,387,972$4,666,315$0$110,257,189
87$169,981,205$4,740,625$0$121,276,606
88$187,160,086$4,813,713$0$133,413,990
89$206,086,198$4,885,369$0$146,783,240
90$226,937,600$4,955,362$0$161,509,870
91$249,910,510$5,023,449$0$177,732,197
92$275,221,153$5,089,369$0$195,602,644
93$303,107,804$5,152,842$0$215,289,179
94$333,833,038$5,213,569$0$236,976,903
95$367,686,205$5,271,231$0$260,869,795
96$404,986,164$5,325,487$0$287,192,640
97$446,084,292$5,375,975$0$316,193,150
98$491,367,799$5,422,308$0$348,144,305
99$541,263,386$5,464,072$0$383,346,924
100$596,241,269$5,500,830$0$422,132,515