Can I retire at age 35 with 1,430,000?

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 $1,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$118,088$117,036$116,010$115,008$114,030$112,559
2 years$58,459$57,371$56,316$55,292$54,300$52,820
3 years$38,586$37,492$36,440$35,426$34,450$33,007
4 years$28,651$27,561$26,519$25,523$24,570$23,175
5 years$22,692$21,608$20,580$19,604$18,678$17,335
6 years$18,720$17,645$16,631$15,677$14,779$13,490
7 years$15,884$14,818$13,821$12,889$12,019$10,785
8 years$13,758$12,702$11,721$10,812$9,971$8,791
9 years$12,106$11,059$10,095$9,210$8,397$7,271
10 years$10,785$9,748$8,801$7,939$7,155$6,081
11 years$9,704$8,678$7,749$6,909$6,153$5,132
12 years$8,805$7,789$6,877$6,060$5,332$4,361
13 years$8,044$7,039$6,144$5,350$4,650$3,729
14 years$7,393$6,398$5,520$4,749$4,076$3,203
15 years$6,828$5,845$4,984$4,236$3,589$2,762
16 years$6,335$5,363$4,519$3,793$3,172$2,391
17 years$5,901$4,939$4,112$3,408$2,812$2,075
18 years$5,515$4,564$3,754$3,071$2,501$1,805
19 years$5,170$4,230$3,436$2,775$2,229$1,574
20 years$4,860$3,930$3,154$2,513$1,991$1,374
21 years$4,580$3,661$2,901$2,281$1,782$1,202
22 years$4,326$3,417$2,674$2,074$1,597$1,053
23 years$4,094$3,196$2,469$1,889$1,434$923
24 years$3,882$2,995$2,283$1,723$1,289$811
25 years$3,687$2,810$2,114$1,573$1,159$712
26 years$3,507$2,641$1,961$1,438$1,044$626
27 years$3,341$2,486$1,821$1,317$942$551
28 years$3,187$2,342$1,693$1,206$850$485
29 years$3,044$2,210$1,575$1,106$767$427
30 years$2,911$2,087$1,467$1,015$693$376
31 years$2,786$1,973$1,368$932$627$332
32 years$2,670$1,867$1,276$857$567$293
33 years$2,561$1,768$1,192$788$513$258
34 years$2,458$1,675$1,114$725$465$228
35 years$2,362$1,589$1,041$667$421$201
36 years$2,271$1,508$974$615$381$177
37 years$2,185$1,432$912$566$346$157
38 years$2,104$1,361$854$522$313$138
39 years$2,028$1,295$800$481$284$122
40 years$1,955$1,232$750$444$258$108
41 years$1,886$1,172$703$410$234$95
42 years$1,821$1,117$659$378$212$84
43 years$1,758$1,064$619$349$192$74
44 years$1,699$1,014$581$322$175$66
45 years$1,643$967$545$298$159$58
46 years$1,589$922$512$275$144$51
47 years$1,537$880$481$254$131$45
48 years$1,488$840$452$235$119$40
49 years$1,441$803$425$217$108$35
50 years$1,396$767$400$200$98$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,430,000, adding $5,129 every year, while hoping to spend $20,902 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: 80/12/8 Blend
34$1,430,000$1,430,000$1,430,000$1,430,000
35$1,581,151$1,505,361$1,483,196$1,705,591
36$1,720,188$1,556,884$1,510,643$1,839,404
37$1,872,707$1,610,231$1,538,309$1,982,930
38$2,040,061$1,665,469$1,566,180$2,139,792
39$2,223,739$1,722,669$1,594,239$2,311,310
40$2,425,383$1,781,903$1,622,469$2,498,940
41$2,646,802$1,843,246$1,650,852$2,704,283
42$2,889,988$1,906,777$1,679,367$2,929,104
43$3,157,135$1,972,578$1,707,994$3,175,347
44$3,450,661$2,040,732$1,736,710$3,445,151
45$3,773,228$2,111,327$1,765,489$3,740,873
46$4,127,771$2,184,456$1,794,307$4,065,110
47$4,517,522$2,260,213$1,823,135$4,420,720
48$4,946,042$2,338,696$1,851,943$4,810,854
49$5,417,255$2,420,009$1,880,700$5,238,980
50$5,935,484$2,504,258$1,909,371$5,708,921
51$6,505,490$2,591,553$1,937,922$6,224,885
52$7,132,521$2,682,011$1,966,314$6,791,510
53$7,822,359$2,775,750$1,994,506$7,413,906
54$8,581,373$2,872,896$2,022,456$8,097,700
55$9,416,583$2,973,577$2,050,117$8,849,092
56$10,335,721$3,077,929$2,077,443$9,674,913
57$11,347,308$3,186,091$2,104,381$10,582,688
58$12,460,734$3,298,210$2,130,878$11,580,710
59$13,686,344$3,414,437$2,156,877$12,678,112
60$15,035,535$3,534,929$2,182,317$13,884,960
61$16,520,870$3,659,850$2,207,135$15,212,341
62$18,156,187$3,789,372$2,231,263$16,672,473
63$19,956,738$3,923,671$2,254,630$18,278,817
64$21,939,327$4,062,932$2,277,161$20,046,207
65$24,122,470$4,207,348$2,298,778$21,990,983
66$26,526,572$4,357,118$2,319,397$24,131,152
67$29,174,116$4,512,450$2,338,930$26,486,555
68$32,089,877$4,673,561$2,357,286$29,079,053
69$35,301,156$4,840,677$2,374,366$31,932,736
70$38,838,036$5,014,032$2,390,069$35,074,145
71$42,733,666$5,193,871$2,404,288$38,532,528
72$47,024,577$5,380,447$2,416,908$42,340,112
73$51,751,021$5,574,026$2,427,812$46,532,407
74$56,957,355$5,774,884$2,436,873$51,148,543
75$62,692,459$5,983,307$2,443,962$56,231,639
76$69,010,196$6,199,594$2,448,941$61,829,205
77$75,969,919$6,424,058$2,451,663$67,993,595
78$83,637,035$6,657,021$2,451,979$74,782,502
79$92,083,620$6,898,823$2,449,728$82,259,496
80$101,389,099$7,149,814$2,444,743$90,494,628
81$111,640,994$7,410,362$2,436,849$99,565,091
82$122,935,754$7,680,849$2,425,862$109,555,947
83$135,379,662$7,961,672$2,411,589$120,560,930
84$149,089,840$8,253,245$2,393,829$132,683,328
85$164,195,351$8,556,001$2,372,370$146,036,963
86$180,838,422$8,870,391$2,346,990$160,747,260
87$199,175,783$9,196,882$2,317,456$176,952,433
88$219,380,148$9,535,965$2,283,526$194,804,787
89$241,641,844$9,888,148$2,244,946$214,472,158
90$266,170,609$10,253,964$2,201,447$236,139,496
91$293,197,568$10,633,965$2,152,753$260,010,608
92$322,977,420$11,028,729$2,098,570$286,310,087
93$355,790,838$11,438,859$2,038,594$315,285,423
94$391,947,121$11,864,980$1,972,505$347,209,348
95$431,787,112$12,307,749$1,899,968$382,382,405
96$475,686,416$12,767,847$1,820,635$421,135,783
97$524,058,945$13,245,986$1,734,141$463,834,447
98$577,360,826$13,742,908$1,640,104$510,880,582
99$636,094,707$14,259,387$1,538,124$562,717,386
100$700,814,501$14,796,231$1,427,784$619,833,256