Can I retire at age 35 with 1,470,000?

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 $1,470,000?

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$121,391$120,310$119,255$118,225$117,220$114,247
2 years$60,095$58,975$57,891$56,839$55,819$52,843
3 years$39,665$38,541$37,459$36,417$35,414$32,528
4 years$29,452$28,332$27,261$26,237$25,257$22,484
5 years$23,326$22,212$21,155$20,152$19,200$16,547
6 years$19,244$18,138$17,097$16,116$15,193$12,662
7 years$16,329$15,232$14,207$13,250$12,356$9,948
8 years$14,143$13,057$12,049$11,115$10,250$7,964
9 years$12,444$11,368$10,378$9,467$8,632$6,466
10 years$11,086$10,021$9,048$8,161$7,355$5,306
11 years$9,976$8,921$7,965$7,103$6,326$4,391
12 years$9,051$8,007$7,069$6,230$5,482$3,658
13 years$8,269$7,236$6,316$5,500$4,780$3,063
14 years$7,599$6,577$5,675$4,882$4,190$2,577
15 years$7,020$6,008$5,124$4,354$3,689$2,175
16 years$6,513$5,513$4,645$3,899$3,261$1,842
17 years$6,066$5,077$4,227$3,503$2,891$1,563
18 years$5,669$4,691$3,859$3,157$2,571$1,330
19 years$5,315$4,348$3,532$2,852$2,291$1,133
20 years$4,996$4,040$3,242$2,583$2,047$967
21 years$4,708$3,763$2,982$2,345$1,831$826
22 years$4,447$3,513$2,748$2,132$1,642$706
23 years$4,208$3,286$2,538$1,942$1,474$605
24 years$3,990$3,078$2,347$1,771$1,325$518
25 years$3,790$2,889$2,174$1,617$1,192$444
26 years$3,605$2,715$2,016$1,479$1,074$381
27 years$3,435$2,555$1,872$1,353$968$327
28 years$3,276$2,408$1,740$1,240$873$281
29 years$3,129$2,271$1,619$1,137$789$241
30 years$2,992$2,145$1,508$1,044$713$207
31 years$2,864$2,028$1,406$958$644$178
32 years$2,745$1,919$1,312$881$583$153
33 years$2,633$1,817$1,225$810$527$131
34 years$2,527$1,722$1,145$745$478$113
35 years$2,428$1,633$1,070$686$433$97
36 years$2,335$1,550$1,001$632$392$84
37 years$2,247$1,473$937$582$355$72
38 years$2,163$1,399$877$537$322$62
39 years$2,084$1,331$822$495$292$53
40 years$2,010$1,266$771$456$265$46
41 years$1,939$1,205$723$421$240$39
42 years$1,872$1,148$678$389$218$34
43 years$1,808$1,094$636$359$198$29
44 years$1,747$1,042$597$331$180$25
45 years$1,689$994$561$306$163$22
46 years$1,633$948$526$283$148$19
47 years$1,580$905$495$261$134$16
48 years$1,530$864$465$241$122$14
49 years$1,481$825$437$223$111$12
50 years$1,435$788$411$206$101$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,470,000, adding $4,560 every year, while hoping to spend $37,520 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: 56/15/29 Blend
34$1,470,000$1,470,000$1,470,000$1,470,000
35$1,624,644$1,546,734$1,523,949$1,702,380
36$1,750,436$1,582,603$1,535,080$1,792,300
37$1,887,802$1,618,972$1,545,327$1,885,958
38$2,037,883$1,655,826$1,554,619$1,987,256
39$2,201,933$1,693,147$1,562,886$2,096,944
40$2,381,336$1,730,918$1,570,049$2,215,850
41$2,577,615$1,769,116$1,576,028$2,344,886
42$2,792,446$1,807,716$1,580,739$2,485,057
43$3,027,675$1,846,694$1,584,093$2,637,472
44$3,285,335$1,886,019$1,585,997$2,803,354
45$3,567,665$1,925,660$1,586,354$2,984,049
46$3,877,130$1,965,580$1,585,060$3,181,043
47$4,216,445$2,005,742$1,582,008$3,395,973
48$4,588,602$2,046,103$1,577,084$3,630,645
49$4,996,895$2,086,617$1,570,172$3,887,049
50$5,444,951$2,127,234$1,561,146$4,167,379
51$5,936,768$2,167,900$1,549,876$4,474,054
52$6,476,748$2,208,557$1,536,226$4,809,741
53$7,069,740$2,249,140$1,520,053$5,177,381
54$7,721,087$2,289,581$1,501,209$5,580,213
55$8,436,674$2,329,807$1,479,535$6,021,813
56$9,222,983$2,369,736$1,454,868$6,506,118
57$10,087,158$2,409,284$1,427,037$7,037,473
58$11,037,067$2,448,357$1,395,861$7,620,664
59$12,081,379$2,486,857$1,361,153$8,260,969
60$13,229,644$2,524,678$1,322,717$8,964,208
61$14,492,385$2,561,705$1,280,345$9,736,794
62$15,881,195$2,597,815$1,233,823$10,585,798
63$17,408,847$2,632,878$1,182,927$11,519,014
64$19,089,415$2,666,754$1,127,420$12,545,036
65$20,938,403$2,699,294$1,067,057$13,673,334
66$22,972,897$2,730,336$1,001,581$14,914,351
67$25,211,722$2,759,711$930,722$16,279,595
68$27,675,617$2,787,237$854,201$17,781,755
69$30,387,437$2,812,719$771,724$19,434,815
70$33,372,364$2,835,950$682,985$21,254,191
71$36,658,143$2,856,710$587,663$23,256,876
72$40,275,348$2,874,763$485,424$25,461,601
73$44,257,668$2,889,861$375,920$27,889,010
74$48,642,222$2,901,736$258,786$30,561,862
75$53,469,915$2,910,107$133,641$33,505,241
76$58,785,817$2,914,674$89$36,746,794
77$64,639,594$2,915,116$0$40,316,997
78$71,085,970$2,911,094$0$44,293,513
79$78,185,251$2,902,250$0$48,672,186
80$86,003,887$2,888,200$0$53,493,936
81$94,615,101$2,868,540$0$58,803,885
82$104,099,582$2,842,839$0$64,651,759
83$114,546,243$2,810,642$0$71,092,355
84$126,053,062$2,771,465$0$78,186,059
85$138,728,003$2,724,795$0$85,999,419
86$152,690,040$2,670,092$0$94,605,768
87$168,070,277$2,606,779$0$104,085,920
88$185,013,182$2,534,247$0$114,528,933
89$203,677,955$2,451,854$0$126,032,951
90$224,240,028$2,358,916$0$138,706,126
91$246,892,720$2,254,712$0$152,667,645
92$271,849,063$2,138,479$0$168,048,853
93$299,343,812$2,009,409$0$184,994,493
94$329,635,659$1,866,649$0$203,664,072
95$363,009,676$1,709,294$0$224,233,372
96$399,780,005$1,536,391$0$246,896,104
97$440,292,822$1,346,931$0$271,865,739
98$484,929,608$1,139,848$0$299,377,526
99$534,110,743$914,017$0$329,690,714
100$588,299,482$668,246$0$363,090,995