Can I retire at age 35 with 1,440,000?

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 $1,440,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$118,914$117,855$116,821$115,813$114,828$111,915
2 years$58,868$57,772$56,709$55,679$54,680$51,765
3 years$38,856$37,755$36,695$35,674$34,691$31,864
4 years$28,851$27,754$26,704$25,701$24,742$22,025
5 years$22,850$21,759$20,724$19,741$18,808$16,209
6 years$18,851$17,768$16,748$15,787$14,883$12,403
7 years$15,995$14,922$13,917$12,979$12,103$9,745
8 years$13,855$12,791$11,803$10,888$10,041$7,802
9 years$12,191$11,136$10,166$9,274$8,456$6,334
10 years$10,860$9,816$8,863$7,994$7,205$5,198
11 years$9,772$8,739$7,803$6,958$6,196$4,301
12 years$8,866$7,843$6,925$6,103$5,370$3,583
13 years$8,100$7,088$6,187$5,388$4,683$3,001
14 years$7,444$6,443$5,559$4,783$4,105$2,524
15 years$6,876$5,886$5,019$4,265$3,614$2,131
16 years$6,380$5,400$4,550$3,819$3,194$1,804
17 years$5,942$4,973$4,141$3,431$2,832$1,532
18 years$5,554$4,596$3,780$3,092$2,518$1,303
19 years$5,206$4,259$3,460$2,794$2,245$1,110
20 years$4,894$3,958$3,176$2,531$2,005$947
21 years$4,612$3,687$2,921$2,297$1,794$809
22 years$4,356$3,441$2,692$2,088$1,608$692
23 years$4,123$3,218$2,486$1,902$1,444$592
24 years$3,909$3,016$2,299$1,735$1,298$508
25 years$3,713$2,830$2,129$1,584$1,168$435
26 years$3,532$2,660$1,975$1,448$1,052$373
27 years$3,364$2,503$1,834$1,326$948$320
28 years$3,209$2,359$1,705$1,215$856$275
29 years$3,065$2,225$1,586$1,114$773$236
30 years$2,931$2,101$1,478$1,022$698$203
31 years$2,806$1,986$1,378$939$631$174
32 years$2,689$1,880$1,285$863$571$150
33 years$2,579$1,780$1,200$794$517$129
34 years$2,476$1,687$1,121$730$468$111
35 years$2,379$1,600$1,048$672$424$95
36 years$2,287$1,519$981$619$384$82
37 years$2,201$1,442$918$570$348$70
38 years$2,119$1,371$860$526$315$61
39 years$2,042$1,304$805$485$286$52
40 years$1,969$1,240$755$447$259$45
41 years$1,899$1,181$708$412$235$39
42 years$1,833$1,124$664$381$214$33
43 years$1,771$1,071$623$351$194$29
44 years$1,711$1,021$585$324$176$25
45 years$1,654$974$549$300$160$21
46 years$1,600$929$516$277$145$18
47 years$1,548$886$485$256$132$16
48 years$1,499$846$455$236$120$13
49 years$1,451$808$428$218$109$12
50 years$1,406$772$402$202$99$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,440,000, adding $2,967 every year, while hoping to spend $20,495 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: 67/13/20 Blend
34$1,440,000$1,440,000$1,440,000$1,440,000
35$1,589,940$1,513,620$1,491,300$1,688,332
36$1,730,308$1,565,981$1,519,453$1,806,954
37$1,884,306$1,620,221$1,547,861$1,933,982
38$2,053,303$1,676,410$1,576,512$2,072,402
39$2,238,807$1,734,621$1,605,392$2,223,334
40$2,442,479$1,794,931$1,634,486$2,388,013
41$2,666,147$1,857,418$1,663,777$2,567,795
42$2,911,828$1,922,165$1,693,247$2,764,177
43$3,181,740$1,989,257$1,722,877$2,978,806
44$3,478,331$2,058,784$1,752,646$3,213,494
45$3,804,293$2,130,836$1,782,532$3,470,240
46$4,162,595$2,205,512$1,812,511$3,751,243
47$4,556,507$2,282,909$1,842,558$4,058,925
48$4,989,632$2,363,133$1,872,645$4,395,957
49$5,465,939$2,446,292$1,902,744$4,765,276
50$5,989,802$2,532,497$1,932,822$5,170,122
51$6,566,038$2,621,865$1,962,848$5,614,060
52$7,199,957$2,714,519$1,992,786$6,101,020
53$7,897,407$2,810,585$2,022,599$6,635,330
54$8,664,833$2,910,194$2,052,247$7,221,758
55$9,509,336$3,013,484$2,081,687$7,865,557
56$10,438,740$3,120,597$2,110,875$8,572,514
57$11,461,666$3,231,680$2,139,764$9,349,005
58$12,587,613$3,346,890$2,168,303$10,202,054
59$13,827,047$3,466,385$2,196,440$11,139,400
60$15,191,502$3,590,335$2,224,117$12,169,570
61$16,693,686$3,718,911$2,251,275$13,301,957
62$18,347,601$3,852,297$2,277,851$14,546,913
63$20,168,676$3,990,680$2,303,780$15,915,842
64$22,173,914$4,134,256$2,328,990$17,421,309
65$24,382,050$4,283,231$2,353,407$19,077,160
66$26,813,727$4,437,817$2,376,954$20,898,650
67$29,491,693$4,598,237$2,399,548$22,902,588
68$32,441,016$4,764,720$2,421,103$25,107,496
69$35,689,316$4,937,507$2,441,526$27,533,781
70$39,267,031$5,116,850$2,460,722$30,203,932
71$43,207,701$5,303,009$2,478,590$33,142,726
72$47,548,286$5,496,256$2,495,022$36,377,469
73$52,329,513$5,696,874$2,509,906$39,938,245
74$57,596,260$5,905,158$2,523,126$43,858,208
75$63,397,984$6,121,416$2,534,555$48,173,888
76$69,789,181$6,345,968$2,544,066$52,925,540
77$76,829,905$6,579,148$2,551,520$58,157,521
78$84,586,334$6,821,304$2,556,773$63,918,711
79$93,131,391$7,072,799$2,559,676$70,262,970
80$102,545,437$7,334,010$2,560,070$77,249,652
81$112,917,027$7,605,332$2,557,788$84,944,159
82$124,343,746$7,887,176$2,552,656$93,418,563
83$136,933,129$8,179,969$2,544,491$102,752,282
84$150,803,679$8,484,158$2,533,102$113,032,832
85$166,085,981$8,800,208$2,518,288$124,356,652
86$182,923,938$9,128,606$2,499,837$136,830,015
87$201,476,128$9,469,856$2,477,530$150,570,028
88$221,917,301$9,824,486$2,451,135$165,705,740
89$244,440,028$10,193,048$2,420,410$182,379,361
90$269,256,518$10,576,115$2,385,101$200,747,598
91$296,600,624$10,974,286$2,344,944$220,983,142
92$326,730,047$11,388,185$2,299,658$243,276,291
93$359,928,770$11,818,465$2,248,955$267,836,750
94$396,509,739$12,265,804$2,192,530$294,895,611
95$436,817,816$12,730,912$2,130,063$324,707,530
96$481,233,036$13,214,529$2,061,223$357,553,133
97$530,174,192$13,717,427$1,985,660$393,741,667
98$584,102,790$14,240,412$1,903,011$433,613,915
99$643,527,407$14,784,325$1,812,894$477,545,415
100$709,008,488$15,350,042$1,714,911$525,950,005