Can I retire at age 35 with 1,450,000?

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 $1,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$119,740$118,673$117,632$116,617$115,625$114,752
2 years$59,277$58,173$57,103$56,066$55,060$54,179
3 years$39,125$38,017$36,950$35,922$34,932$34,072
4 years$29,052$27,946$26,890$25,880$24,914$24,081
5 years$23,009$21,910$20,868$19,878$18,939$18,135
6 years$18,982$17,891$16,864$15,897$14,986$14,212
7 years$16,106$15,025$14,014$13,070$12,188$11,444
8 years$13,951$12,879$11,885$10,964$10,111$9,398
9 years$12,275$11,214$10,237$9,339$8,515$7,832
10 years$10,935$9,884$8,925$8,050$7,255$6,603
11 years$9,840$8,799$7,857$7,006$6,239$5,617
12 years$8,928$7,898$6,973$6,145$5,407$4,813
13 years$8,156$7,137$6,230$5,425$4,715$4,149
14 years$7,496$6,488$5,598$4,816$4,133$3,595
15 years$6,924$5,927$5,054$4,295$3,639$3,128
16 years$6,424$5,438$4,582$3,846$3,216$2,731
17 years$5,983$5,008$4,169$3,455$2,852$2,392
18 years$5,592$4,627$3,806$3,114$2,536$2,100
19 years$5,242$4,289$3,484$2,814$2,260$1,849
20 years$4,928$3,985$3,198$2,548$2,019$1,630
21 years$4,644$3,712$2,941$2,313$1,807$1,440
22 years$4,386$3,465$2,711$2,103$1,619$1,273
23 years$4,151$3,241$2,503$1,915$1,454$1,128
24 years$3,936$3,036$2,315$1,747$1,307$1,000
25 years$3,738$2,850$2,144$1,595$1,176$888
26 years$3,556$2,678$1,989$1,459$1,059$788
27 years$3,388$2,520$1,846$1,335$955$701
28 years$3,232$2,375$1,717$1,223$862$623
29 years$3,087$2,241$1,597$1,122$778$555
30 years$2,952$2,116$1,488$1,029$703$494
31 years$2,825$2,000$1,387$945$635$440
32 years$2,707$1,893$1,294$869$575$393
33 years$2,597$1,792$1,208$799$520$350
34 years$2,493$1,699$1,129$735$471$312
35 years$2,395$1,611$1,056$677$427$279
36 years$2,303$1,529$988$623$387$249
37 years$2,216$1,453$924$574$350$222
38 years$2,134$1,380$866$529$318$198
39 years$2,056$1,313$811$488$288$177
40 years$1,982$1,249$760$450$261$158
41 years$1,912$1,189$713$415$237$141
42 years$1,846$1,132$669$383$215$126
43 years$1,783$1,079$627$354$195$113
44 years$1,723$1,028$589$327$177$101
45 years$1,666$981$553$302$161$90
46 years$1,611$935$519$279$146$81
47 years$1,559$893$488$257$133$72
48 years$1,509$852$458$238$120$64
49 years$1,461$814$431$220$109$58
50 years$1,416$777$405$203$99$51

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,450,000, adding $4,431 every year, while hoping to spend $32,355 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: 66/27/7 Blend
34$1,450,000$1,450,000$1,450,000$1,450,000
35$1,602,471$1,525,621$1,503,146$1,705,977
36$1,731,497$1,565,951$1,519,075$1,815,628
37$1,872,600$1,607,172$1,534,455$1,931,132
38$2,026,977$1,649,295$1,549,230$2,056,506
39$2,195,946$1,692,328$1,563,347$2,192,706
40$2,380,960$1,736,280$1,576,747$2,340,787
41$2,583,618$1,781,158$1,589,368$2,501,910
42$2,805,681$1,826,968$1,601,146$2,677,352
43$3,049,088$1,873,717$1,612,012$2,868,522
44$3,315,975$1,921,410$1,621,894$3,076,969
45$3,608,695$1,970,049$1,630,718$3,304,400
46$3,929,839$2,019,638$1,638,404$3,552,694
47$4,282,260$2,070,179$1,644,869$3,823,922
48$4,669,104$2,121,670$1,650,025$4,120,365
49$5,093,832$2,174,112$1,653,780$4,444,533
50$5,560,259$2,227,500$1,656,038$4,799,194
51$6,072,588$2,281,830$1,656,698$5,187,396
52$6,635,448$2,337,096$1,655,653$5,612,495
53$7,253,939$2,393,288$1,652,793$6,078,192
54$7,933,678$2,450,397$1,647,999$6,588,560
55$8,680,855$2,508,408$1,641,149$7,148,089
56$9,502,290$2,567,308$1,632,115$7,761,726
57$10,405,495$2,627,077$1,620,762$8,434,919
58$11,398,747$2,687,695$1,606,949$9,173,673
59$12,491,165$2,749,138$1,590,527$9,984,603
60$13,692,796$2,811,379$1,571,343$10,874,997
61$15,014,712$2,874,386$1,549,233$11,852,888
62$16,469,108$2,938,127$1,524,028$12,927,124
63$18,069,423$3,002,561$1,495,549$14,107,457
64$19,830,466$3,067,648$1,463,611$15,404,630
65$21,768,550$3,133,340$1,428,020$16,830,483
66$23,901,654$3,199,586$1,388,570$18,398,062
67$26,249,585$3,266,327$1,345,049$20,121,741
68$28,834,168$3,333,503$1,297,234$22,017,362
69$31,679,454$3,401,045$1,244,891$24,102,381
70$34,811,940$3,468,879$1,187,778$26,396,032
71$38,260,828$3,536,923$1,125,638$28,919,512
72$42,058,292$3,605,092$1,058,206$31,696,178
73$46,239,784$3,673,288$985,203$34,751,770
74$50,844,373$3,741,410$906,338$38,114,651
75$55,915,106$3,809,346$821,307$41,816,079
76$61,499,419$3,876,976$729,793$45,890,497
77$67,649,582$3,944,170$631,463$50,375,862
78$74,423,195$4,010,790$525,972$55,314,004
79$81,883,726$4,076,684$412,958$60,751,016
80$90,101,117$4,141,693$292,043$66,737,694
81$99,152,437$4,205,642$162,833$73,330,017
82$109,122,614$4,268,346$24,916$80,589,671
83$120,105,232$4,329,607$0$88,584,635
84$132,203,419$4,389,211$0$97,398,956
85$145,530,816$4,446,930$0$107,108,637
86$160,212,651$4,502,521$0$117,802,827
87$176,386,920$4,555,723$0$129,581,818
88$194,205,691$4,606,259$0$142,556,135
89$213,836,536$4,653,830$0$156,847,573
90$235,464,116$4,698,122$0$172,590,349
91$259,291,922$4,738,796$0$189,932,369
92$285,544,194$4,775,492$0$209,036,628
93$314,468,038$4,807,828$0$230,082,742
94$346,335,763$4,835,397$0$253,268,651
95$381,447,443$4,857,763$0$278,812,482
96$420,133,756$4,874,467$0$306,954,613
97$462,759,100$4,885,017$0$337,959,941
98$509,725,038$4,888,893$0$372,120,381
99$561,474,085$4,885,541$0$409,757,626
100$618,493,882$4,874,373$0$451,226,182