Can I retire at age 35 with 1,400,000?

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 $1,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$115,611$114,581$113,576$112,596$111,638$107,463
2 years$57,233$56,167$55,134$54,132$53,161$49,003
3 years$37,776$36,706$35,675$34,683$33,727$29,717
4 years$28,050$26,983$25,963$24,987$24,055$20,222
5 years$22,216$21,155$20,148$19,193$18,286$14,641
6 years$18,327$17,274$16,283$15,349$14,469$11,015
7 years$15,551$14,507$13,531$12,619$11,767$8,502
8 years$13,470$12,435$11,475$10,586$9,762$6,684
9 years$11,852$10,827$9,884$9,017$8,221$5,325
10 years$10,558$9,544$8,617$7,772$7,005$4,285
11 years$9,501$8,496$7,586$6,764$6,024$3,476
12 years$8,620$7,626$6,732$5,933$5,221$2,837
13 years$7,875$6,891$6,015$5,238$4,552$2,326
14 years$7,237$6,264$5,405$4,650$3,991$1,915
15 years$6,685$5,722$4,880$4,147$3,514$1,582
16 years$6,203$5,250$4,424$3,713$3,105$1,310
17 years$5,777$4,835$4,026$3,336$2,753$1,087
18 years$5,399$4,468$3,675$3,007$2,448$903
19 years$5,062$4,141$3,364$2,717$2,182$752
20 years$4,758$3,848$3,088$2,460$1,949$627
21 years$4,484$3,584$2,840$2,233$1,744$523
22 years$4,235$3,346$2,617$2,030$1,563$436
23 years$4,008$3,129$2,417$1,849$1,403$364
24 years$3,800$2,932$2,235$1,686$1,261$305
25 years$3,609$2,751$2,070$1,540$1,135$255
26 years$3,434$2,586$1,920$1,408$1,022$213
27 years$3,271$2,434$1,783$1,289$922$178
28 years$3,120$2,293$1,657$1,181$832$149
29 years$2,980$2,163$1,542$1,083$751$125
30 years$2,850$2,043$1,437$994$679$105
31 years$2,728$1,931$1,339$913$614$88
32 years$2,614$1,827$1,250$839$555$73
33 years$2,507$1,731$1,167$771$502$62
34 years$2,407$1,640$1,090$710$455$52
35 years$2,312$1,556$1,019$653$412$43
36 years$2,224$1,477$953$602$373$36
37 years$2,140$1,402$892$554$338$30
38 years$2,060$1,333$836$511$307$25
39 years$1,985$1,267$783$471$278$21
40 years$1,914$1,206$734$435$252$18
41 years$1,847$1,148$688$401$229$15
42 years$1,782$1,093$646$370$208$13
43 years$1,721$1,042$606$342$188$11
44 years$1,663$993$569$315$171$9
45 years$1,608$947$534$291$155$7
46 years$1,555$903$501$269$141$6
47 years$1,505$862$471$249$128$5
48 years$1,457$823$443$230$116$4
49 years$1,411$786$416$212$106$4
50 years$1,367$751$391$196$96$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,400,000, adding $4,753 every year, while hoping to spend $38,109 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: 44/49/7 Blend
34$1,400,000$1,400,000$1,400,000$1,400,000
35$1,547,703$1,473,503$1,451,803$1,612,527
36$1,665,021$1,505,157$1,459,890$1,689,505
37$1,793,028$1,537,084$1,466,972$1,768,588
38$1,932,774$1,569,259$1,472,973$1,853,414
39$2,085,416$1,601,651$1,477,816$1,944,524
40$2,252,225$1,634,229$1,481,420$2,042,512
41$2,434,603$1,666,957$1,483,698$2,148,034
42$2,634,092$1,699,797$1,484,561$2,261,811
43$2,852,390$1,732,708$1,483,915$2,384,639
44$3,091,368$1,765,645$1,481,660$2,517,394
45$3,353,084$1,798,559$1,477,693$2,661,043
46$3,639,807$1,831,397$1,471,904$2,816,650
47$3,954,035$1,864,102$1,464,180$2,985,388
48$4,298,516$1,896,613$1,454,400$3,168,552
49$4,676,282$1,928,864$1,442,439$3,367,567
50$5,090,669$1,960,784$1,428,167$3,584,006
51$5,545,351$1,992,297$1,411,444$3,819,600
52$6,044,376$2,023,319$1,392,128$4,076,261
53$6,592,205$2,053,764$1,370,066$4,356,095
54$7,193,748$2,083,537$1,345,102$4,661,422
55$7,854,417$2,112,536$1,317,069$4,994,804
56$8,580,171$2,140,654$1,285,794$5,359,062
57$9,377,577$2,167,774$1,251,097$5,757,308
58$10,253,868$2,193,774$1,212,787$6,192,971
59$11,217,015$2,218,521$1,170,667$6,669,835
60$12,275,795$2,241,874$1,124,530$7,192,068
61$13,439,883$2,263,682$1,074,158$7,764,268
62$14,719,934$2,283,786$1,019,326$8,391,503
63$16,127,690$2,302,014$959,796$9,079,362
64$17,676,086$2,318,184$895,321$9,834,006
65$19,379,375$2,332,103$825,642$10,662,227
66$21,253,259$2,343,564$750,489$11,571,514
67$23,315,041$2,352,349$669,580$12,570,123
68$25,583,785$2,358,223$582,620$13,667,158
69$28,080,494$2,360,939$489,301$14,872,653
70$30,828,313$2,360,234$389,301$16,197,671
71$33,852,744$2,355,828$282,286$17,654,412
72$37,181,884$2,347,424$167,903$19,256,320
73$40,846,696$2,334,708$45,787$21,018,221
74$44,881,295$2,317,344$0$22,956,458
75$49,323,273$2,294,980$0$25,095,360
76$54,214,051$2,267,238$0$27,452,536
77$59,599,272$2,233,720$0$30,046,489
78$65,529,230$2,194,005$0$32,901,388
79$72,059,345$2,147,645$0$36,043,876
80$79,250,686$2,094,167$0$39,503,319
81$87,170,543$2,033,069$0$43,312,089
82$95,893,070$1,963,820$0$47,505,867
83$105,499,974$1,885,858$0$52,123,984
84$116,081,296$1,798,590$0$57,209,792
85$127,736,252$1,701,385$0$62,811,077
86$140,574,177$1,593,580$0$68,980,511
87$154,715,547$1,474,470$0$75,776,148
88$170,293,126$1,343,312$0$83,261,981
89$187,453,210$1,199,320$0$91,508,542
90$206,357,014$1,041,663$0$100,593,574
91$227,182,189$869,463$0$110,602,765
92$250,124,499$681,794$0$121,630,560
93$275,399,671$477,675$0$133,781,059
94$303,245,429$256,073$0$147,168,996
95$333,923,736$15,894$0$161,920,830
96$367,723,270$0$0$178,175,944
97$404,962,145$0$0$196,219,530
98$445,990,914$0$0$216,109,196
99$491,195,881$0$0$238,023,680
100$541,002,742$0$0$262,169,388