Can I retire at age 35 with 1,460,000?

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 $1,460,000?

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$120,565$119,492$118,444$117,421$116,422$114,920
2 years$59,686$58,574$57,497$56,452$55,439$53,928
3 years$39,395$38,279$37,204$36,170$35,173$33,699
4 years$29,252$28,139$27,075$26,058$25,086$23,661
5 years$23,168$22,061$21,011$20,015$19,070$17,699
6 years$19,113$18,015$16,980$16,006$15,089$13,773
7 years$16,217$15,129$14,111$13,160$12,272$11,011
8 years$14,047$12,968$11,967$11,039$10,180$8,975
9 years$12,360$11,291$10,307$9,403$8,573$7,423
10 years$11,011$9,953$8,986$8,106$7,305$6,209
11 years$9,908$8,860$7,911$7,054$6,283$5,239
12 years$8,989$7,952$7,021$6,188$5,444$4,453
13 years$8,213$7,187$6,273$5,463$4,748$3,807
14 years$7,548$6,532$5,636$4,849$4,162$3,270
15 years$6,972$5,968$5,089$4,325$3,664$2,820
16 years$6,468$5,475$4,614$3,872$3,238$2,441
17 years$6,025$5,042$4,198$3,479$2,871$2,118
18 years$5,631$4,659$3,832$3,135$2,553$1,843
19 years$5,279$4,318$3,508$2,833$2,276$1,607
20 years$4,962$4,013$3,220$2,566$2,033$1,403
21 years$4,676$3,738$2,962$2,329$1,819$1,227
22 years$4,416$3,489$2,730$2,117$1,631$1,075
23 years$4,180$3,263$2,520$1,928$1,464$943
24 years$3,963$3,057$2,331$1,759$1,316$828
25 years$3,764$2,869$2,159$1,606$1,184$727
26 years$3,581$2,697$2,002$1,469$1,066$639
27 years$3,411$2,538$1,859$1,344$961$562
28 years$3,254$2,391$1,728$1,232$867$495
29 years$3,108$2,256$1,608$1,129$783$436
30 years$2,972$2,131$1,498$1,037$708$384
31 years$2,845$2,014$1,397$952$640$339
32 years$2,726$1,906$1,303$875$579$299
33 years$2,615$1,805$1,217$805$524$264
34 years$2,510$1,710$1,137$740$474$233
35 years$2,412$1,622$1,063$681$430$205
36 years$2,319$1,540$994$628$389$181
37 years$2,231$1,463$931$578$353$160
38 years$2,149$1,390$872$533$320$141
39 years$2,070$1,322$817$491$290$125
40 years$1,996$1,257$765$453$263$110
41 years$1,926$1,197$718$418$239$97
42 years$1,859$1,140$673$386$217$86
43 years$1,795$1,086$632$356$197$76
44 years$1,735$1,035$593$329$178$67
45 years$1,677$987$557$304$162$59
46 years$1,622$942$523$281$147$52
47 years$1,570$899$491$259$134$46
48 years$1,519$858$462$240$121$41
49 years$1,471$819$434$221$110$36
50 years$1,425$783$408$205$100$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,460,000, adding $2,062 every year, while hoping to spend $55,062 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: 47/42/11 Blend
34$1,460,000$1,460,000$1,460,000$1,460,000
35$1,611,047$1,533,667$1,511,037$1,681,757
36$1,716,788$1,550,231$1,503,071$1,747,301
37$1,831,470$1,565,761$1,492,993$1,812,529
38$1,955,945$1,580,149$1,480,674$1,882,076
39$2,091,153$1,593,278$1,465,978$1,956,361
40$2,238,127$1,605,026$1,448,765$2,035,850
41$2,398,004$1,615,259$1,428,886$2,121,056
42$2,572,032$1,623,839$1,406,186$2,212,547
43$2,761,589$1,630,617$1,380,503$2,310,953
44$2,968,188$1,635,433$1,351,666$2,416,968
45$3,193,494$1,638,121$1,319,498$2,531,361
46$3,439,342$1,638,501$1,283,813$2,654,982
47$3,707,751$1,636,383$1,244,416$2,788,771
48$4,000,941$1,631,565$1,201,104$2,933,767
49$4,321,359$1,623,834$1,153,663$3,091,118
50$4,671,698$1,612,962$1,101,871$3,262,094
51$5,054,922$1,598,708$1,045,495$3,448,098
52$5,474,297$1,580,818$984,291$3,650,681
53$5,933,417$1,559,019$918,007$3,871,557
54$6,436,240$1,533,026$846,375$4,112,620
55$6,987,126$1,502,534$769,118$4,375,962
56$7,590,876$1,467,221$685,947$4,663,895
57$8,252,777$1,426,747$596,558$4,978,973
58$8,978,653$1,380,749$500,634$5,324,018
59$9,774,916$1,328,847$397,846$5,702,145
60$10,648,632$1,270,635$287,849$6,116,798
61$11,607,583$1,205,686$170,282$6,571,776
62$12,660,339$1,133,548$44,769$7,071,279
63$13,816,343$1,053,741$0$7,619,940
64$15,085,996$965,760$0$8,233,345
65$16,480,756$869,071$0$8,912,964
66$18,013,245$763,107$0$9,659,828
67$19,697,369$647,272$0$10,480,874
68$21,548,446$520,934$0$11,383,759
69$23,583,355$383,427$0$12,376,930
70$25,820,688$234,047$0$13,469,708
71$28,280,933$72,049$0$14,672,375
72$30,986,658$0$0$15,996,274
73$33,962,731$0$0$17,501,685
74$37,236,550$0$0$19,194,524
75$40,838,301$0$0$21,057,124
76$44,801,245$0$0$23,106,709
77$49,162,028$0$0$25,362,258
78$53,961,030$0$0$27,844,680
79$59,242,741$0$0$30,577,016
80$65,056,183$0$0$33,584,655
81$71,455,373$0$0$36,895,569
82$78,499,829$0$0$40,540,583
83$86,255,134$0$0$44,553,661
84$94,793,553$0$0$48,972,227
85$104,194,712$0$0$53,837,522
86$114,546,355$0$0$59,194,985
87$125,945,164$0$0$65,094,690
88$138,497,677$0$0$71,591,812
89$152,321,289$0$0$78,747,151
90$167,545,359$0$0$86,627,703
91$184,312,435$0$0$95,307,294
92$202,779,592$0$0$104,867,275
93$223,119,919$0$0$115,397,292
94$245,524,148$0$0$126,996,127
95$270,202,458$0$0$139,772,635
96$297,386,454$0$0$153,846,769
97$327,331,352$0$0$169,350,710
98$360,318,391$0$0$186,430,118
99$396,657,484$0$0$205,245,502
100$436,690,144$0$0$225,973,741