Can I retire at age 35 with 1,410,000?

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 $1,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$116,436$115,399$114,387$113,400$112,435$110,893
2 years$57,642$56,568$55,528$54,519$53,541$51,989
3 years$38,046$36,968$35,930$34,931$33,968$32,456
4 years$28,250$27,175$26,148$25,166$24,227$22,765
5 years$22,374$21,306$20,292$19,330$18,417$17,011
6 years$18,458$17,398$16,399$15,458$14,572$13,224
7 years$15,662$14,611$13,628$12,709$11,851$10,560
8 years$13,566$12,524$11,557$10,661$9,832$8,598
9 years$11,937$10,904$9,954$9,081$8,280$7,102
10 years$10,634$9,612$8,678$7,828$7,055$5,933
11 years$9,569$8,557$7,640$6,813$6,067$5,001
12 years$8,681$7,680$6,781$5,976$5,258$4,245
13 years$7,931$6,941$6,058$5,276$4,585$3,624
14 years$7,289$6,309$5,443$4,683$4,019$3,109
15 years$6,733$5,763$4,914$4,176$3,539$2,678
16 years$6,247$5,288$4,456$3,740$3,128$2,314
17 years$5,818$4,870$4,054$3,360$2,773$2,005
18 years$5,438$4,500$3,701$3,028$2,466$1,742
19 years$5,098$4,170$3,388$2,736$2,198$1,517
20 years$4,792$3,875$3,110$2,478$1,963$1,323
21 years$4,516$3,610$2,860$2,249$1,757$1,155
22 years$4,265$3,370$2,636$2,045$1,575$1,010
23 years$4,037$3,151$2,434$1,862$1,414$885
24 years$3,827$2,953$2,251$1,698$1,270$775
25 years$3,635$2,771$2,085$1,551$1,143$680
26 years$3,458$2,604$1,934$1,418$1,030$597
27 years$3,294$2,451$1,796$1,298$928$524
28 years$3,143$2,309$1,669$1,189$838$461
29 years$3,002$2,179$1,553$1,091$756$405
30 years$2,870$2,058$1,447$1,001$684$357
31 years$2,747$1,945$1,349$919$618$314
32 years$2,633$1,840$1,259$845$559$276
33 years$2,525$1,743$1,175$777$506$243
34 years$2,424$1,652$1,098$715$458$214
35 years$2,329$1,567$1,026$658$415$189
36 years$2,239$1,487$960$606$376$166
37 years$2,155$1,412$899$558$341$147
38 years$2,075$1,342$842$515$309$129
39 years$1,999$1,276$789$475$280$114
40 years$1,928$1,214$739$438$254$101
41 years$1,860$1,156$693$404$230$89
42 years$1,795$1,101$650$373$209$78
43 years$1,734$1,049$610$344$190$69
44 years$1,675$1,000$573$318$172$61
45 years$1,620$953$538$293$156$54
46 years$1,566$910$505$271$142$47
47 years$1,516$868$474$250$129$42
48 years$1,467$829$446$231$117$37
49 years$1,421$791$419$214$106$33
50 years$1,377$756$394$198$97$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,410,000, adding $6,320 every year, while hoping to spend $30,810 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: 53/26/21 Blend
34$1,410,000$1,410,000$1,410,000$1,410,000
35$1,560,339$1,485,609$1,463,754$1,633,721
36$1,686,712$1,525,622$1,480,008$1,724,873
37$1,824,942$1,566,564$1,495,774$1,820,273
38$1,976,207$1,608,446$1,511,003$1,923,427
39$2,141,802$1,651,282$1,525,644$2,035,086
40$2,323,155$1,695,083$1,539,642$2,156,075
41$2,521,836$1,739,862$1,552,939$2,287,302
42$2,739,577$1,785,629$1,565,476$2,429,769
43$2,978,284$1,832,394$1,577,190$2,584,577
44$3,240,056$1,880,169$1,588,013$2,752,941
45$3,527,205$1,928,961$1,597,875$2,936,199
46$3,842,279$1,978,778$1,606,702$3,135,824
47$4,188,081$2,029,629$1,614,417$3,353,441
48$4,567,704$2,081,518$1,620,938$3,590,838
49$4,984,549$2,134,452$1,626,179$3,849,986
50$5,442,367$2,188,435$1,630,050$4,133,057
51$5,945,289$2,243,468$1,632,457$4,442,444
52$6,497,865$2,299,554$1,633,300$4,780,782
53$7,105,107$2,356,692$1,632,476$5,150,978
54$7,772,538$2,414,881$1,629,874$5,556,233
55$8,506,242$2,474,115$1,625,380$6,000,074
56$9,312,923$2,534,391$1,618,875$6,486,389
57$10,199,966$2,595,701$1,610,231$7,019,462
58$11,175,506$2,658,034$1,599,318$7,604,015
59$12,248,508$2,721,378$1,585,995$8,245,248
60$13,428,849$2,785,718$1,570,119$8,948,896
61$14,727,411$2,851,038$1,551,538$9,721,277
62$16,156,184$2,917,316$1,530,092$10,569,354
63$17,728,380$2,984,529$1,505,614$11,500,801
64$19,458,553$3,052,650$1,477,931$12,524,073
65$21,362,744$3,121,648$1,446,860$13,648,491
66$23,458,623$3,191,488$1,412,209$14,884,326
67$25,765,664$3,262,133$1,373,780$16,242,897
68$28,305,322$3,333,538$1,331,362$17,736,678
69$31,101,240$3,405,656$1,284,738$19,379,418
70$34,179,468$3,478,434$1,233,677$21,186,267
71$37,568,711$3,551,815$1,177,943$23,173,925
72$41,300,599$3,625,733$1,117,283$25,360,792
73$45,409,986$3,700,120$1,051,438$27,767,151
74$49,935,277$3,774,899$980,134$30,415,352
75$54,918,792$3,849,986$903,086$33,330,029
76$60,407,165$3,925,291$819,995$36,538,329
77$66,451,781$4,000,716$730,550$40,070,170
78$73,109,265$4,076,153$634,426$43,958,524
79$80,442,014$4,151,489$531,283$48,239,731
80$88,518,785$4,226,597$420,766$52,953,838
81$97,415,344$4,301,343$302,505$58,144,981
82$107,215,183$4,375,583$176,114$63,861,800
83$118,010,306$4,449,161$41,187$70,157,900
84$129,902,094$4,521,907$0$77,092,359
85$143,002,270$4,593,642$0$84,753,319
86$157,433,943$4,664,173$0$93,200,843
87$173,332,779$4,733,290$0$102,504,870
88$190,848,273$4,800,773$0$112,752,656
89$210,145,169$4,866,382$0$124,040,353
90$231,405,004$4,929,863$0$136,473,921
91$254,827,830$4,990,942$0$150,170,127
92$280,634,100$5,049,330$0$165,257,647
93$309,066,745$5,104,714$0$181,878,284
94$340,393,471$5,156,762$0$200,188,301
95$374,909,283$5,205,122$0$220,359,902
96$412,939,272$5,249,415$0$242,582,856
97$454,841,681$5,289,239$0$267,066,288
98$501,011,287$5,324,167$0$294,040,654
99$551,883,130$5,353,743$0$323,759,917
100$607,936,614$5,377,481$0$356,503,946