Can I retire at age 35 with 1,390,000?

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 $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$114,785$113,762$112,765$111,791$110,841$108,205
2 years$56,824$55,766$54,740$53,746$52,781$50,141
3 years$37,507$36,444$35,421$34,435$33,487$30,925
4 years$27,850$26,790$25,777$24,809$23,883$21,419
5 years$22,057$21,004$20,004$19,056$18,155$15,796
6 years$18,196$17,151$16,166$15,239$14,366$12,114
7 years$15,440$14,403$13,434$12,529$11,683$9,539
8 years$13,374$12,346$11,393$10,510$9,692$7,655
9 years$11,767$10,750$9,813$8,952$8,162$6,230
10 years$10,483$9,475$8,555$7,717$6,955$5,125
11 years$9,433$8,435$7,532$6,716$5,981$4,252
12 years$8,558$7,571$6,684$5,891$5,183$3,551
13 years$7,819$6,842$5,972$5,201$4,520$2,982
14 years$7,186$6,219$5,366$4,617$3,962$2,515
15 years$6,637$5,681$4,845$4,117$3,489$2,129
16 years$6,158$5,213$4,392$3,687$3,083$1,808
17 years$5,736$4,801$3,997$3,312$2,734$1,539
18 years$5,361$4,436$3,649$2,985$2,431$1,313
19 years$5,025$4,111$3,340$2,697$2,167$1,122
20 years$4,724$3,820$3,065$2,443$1,935$960
21 years$4,452$3,559$2,820$2,217$1,732$823
22 years$4,205$3,322$2,599$2,016$1,552$706
23 years$3,979$3,107$2,399$1,836$1,393$606
24 years$3,773$2,911$2,219$1,674$1,252$521
25 years$3,584$2,732$2,055$1,529$1,127$448
26 years$3,409$2,567$1,906$1,398$1,015$386
27 years$3,248$2,416$1,770$1,280$915$332
28 years$3,098$2,277$1,646$1,173$826$286
29 years$2,959$2,148$1,531$1,075$746$246
30 years$2,829$2,028$1,426$987$674$212
31 years$2,709$1,918$1,330$906$609$183
32 years$2,595$1,814$1,241$833$551$158
33 years$2,489$1,718$1,158$766$499$136
34 years$2,390$1,628$1,082$705$452$117
35 years$2,296$1,545$1,012$649$409$101
36 years$2,208$1,466$947$597$371$87
37 years$2,124$1,392$886$551$336$75
38 years$2,046$1,323$830$507$304$65
39 years$1,971$1,258$777$468$276$56
40 years$1,900$1,197$729$432$250$49
41 years$1,833$1,140$683$398$227$42
42 years$1,770$1,085$641$367$206$36
43 years$1,709$1,034$601$339$187$31
44 years$1,652$986$565$313$170$27
45 years$1,597$940$530$289$154$23
46 years$1,544$897$498$267$140$20
47 years$1,494$856$468$247$127$17
48 years$1,447$817$440$228$115$15
49 years$1,401$780$413$211$105$13
50 years$1,357$745$388$195$95$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $2,931 every year, while hoping to spend $47,802 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: 55/35/10 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,534,803$1,461,133$1,439,588$1,615,249
36$1,640,492$1,481,868$1,436,954$1,690,775
37$1,755,359$1,502,016$1,432,628$1,767,469
38$1,880,290$1,521,499$1,426,506$1,849,837
39$2,016,260$1,540,233$1,418,473$1,938,427
40$2,164,340$1,558,125$1,408,414$2,033,842
41$2,325,710$1,575,081$1,396,203$2,136,751
42$2,501,669$1,590,997$1,381,713$2,247,889
43$2,693,646$1,605,763$1,364,807$2,368,068
44$2,903,215$1,619,262$1,345,345$2,498,185
45$3,132,106$1,631,368$1,323,177$2,639,227
46$3,382,225$1,641,951$1,298,148$2,792,285
47$3,655,673$1,650,867$1,270,097$2,958,563
48$3,954,759$1,657,966$1,238,852$3,139,389
49$4,282,026$1,663,089$1,204,236$3,336,228
50$4,640,278$1,666,065$1,166,063$3,550,695
51$5,032,598$1,666,714$1,124,137$3,784,575
52$5,462,383$1,664,843$1,078,256$4,039,835
53$5,933,375$1,660,250$1,028,207$4,318,645
54$6,449,694$1,652,716$973,766$4,623,402
55$7,015,878$1,642,014$914,702$4,956,746
56$7,636,924$1,627,899$850,771$5,321,594
57$8,318,337$1,610,114$781,720$5,721,161
58$9,066,182$1,588,384$707,282$6,158,994
59$9,887,138$1,562,420$627,181$6,639,006
60$10,788,561$1,531,914$541,126$7,165,516
61$11,778,557$1,496,540$448,817$7,743,283
62$12,866,054$1,455,955$349,936$8,377,561
63$14,060,887$1,409,792$244,155$9,074,143
64$15,373,892$1,357,666$131,128$9,839,420
65$16,817,005$1,299,168$10,498$10,680,438
66$18,403,378$1,233,866$0$11,604,973
67$20,147,498$1,161,301$0$12,634,212
68$22,065,329$1,080,990$0$13,767,011
69$24,174,456$992,422$0$15,012,719
70$26,494,255$895,055$0$16,382,882
71$29,046,075$788,319$0$17,890,229
72$31,853,437$671,609$0$19,548,794
73$34,942,257$544,287$0$21,374,051
74$38,341,089$405,679$0$23,383,058
75$42,081,395$255,073$0$25,594,623
76$46,197,843$91,717$0$28,029,482
77$50,728,629$0$0$30,710,495
78$55,715,841$0$0$33,695,669
79$61,205,855$0$0$37,020,845
80$67,249,771$0$0$40,681,668
81$73,903,895$0$0$44,712,262
82$81,230,271$0$0$49,150,231
83$89,297,265$0$0$54,037,008
84$98,180,210$0$0$59,418,250
85$107,962,116$0$0$65,344,267
86$118,734,454$0$0$71,870,496
87$130,598,016$0$0$79,058,026
88$143,663,870$0$0$86,974,171
89$158,054,405$0$0$95,693,108
90$173,904,483$0$0$105,296,575
91$191,362,718$0$0$115,874,643
92$210,592,873$0$0$127,526,565
93$231,775,405$0$0$140,361,714
94$255,109,169$0$0$154,500,612
95$280,813,297$0$0$170,076,070
96$309,129,261$0$0$187,234,442
97$340,323,152$0$0$206,137,003
98$374,688,195$0$0$226,961,470
99$412,547,514$0$0$249,903,686
100$454,257,178$0$0$275,179,461