Can I retire at age 35 with 1,480,000?

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 $1,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$122,217$121,128$120,066$119,030$118,017$115,729
2 years$60,503$59,377$58,285$57,226$56,199$53,903
3 years$39,935$38,803$37,714$36,665$35,655$33,423
4 years$29,653$28,525$27,446$26,415$25,429$23,278
5 years$23,485$22,364$21,299$20,289$19,331$17,267
6 years$19,375$18,262$17,213$16,226$15,296$13,321
7 years$16,440$15,336$14,304$13,340$12,440$10,555
8 years$14,239$13,146$12,131$11,191$10,320$8,524
9 years$12,529$11,446$10,448$9,532$8,691$6,983
10 years$11,162$10,089$9,109$8,217$7,405$5,784
11 years$10,044$8,982$8,020$7,151$6,369$4,832
12 years$9,112$8,061$7,117$6,272$5,519$4,065
13 years$8,325$7,285$6,359$5,537$4,813$3,439
14 years$7,651$6,622$5,713$4,916$4,219$2,922
15 years$7,067$6,049$5,158$4,384$3,714$2,493
16 years$6,557$5,550$4,677$3,925$3,283$2,133
17 years$6,107$5,111$4,256$3,527$2,911$1,830
18 years$5,708$4,723$3,885$3,178$2,588$1,574
19 years$5,351$4,377$3,556$2,872$2,307$1,356
20 years$5,030$4,068$3,264$2,601$2,061$1,171
21 years$4,740$3,789$3,002$2,361$1,844$1,012
22 years$4,477$3,537$2,767$2,146$1,653$875
23 years$4,237$3,308$2,555$1,955$1,484$758
24 years$4,017$3,099$2,363$1,783$1,334$657
25 years$3,816$2,909$2,188$1,628$1,200$570
26 years$3,630$2,734$2,030$1,489$1,081$495
27 years$3,458$2,573$1,885$1,363$975$430
28 years$3,299$2,424$1,752$1,248$879$374
29 years$3,151$2,287$1,630$1,145$794$325
30 years$3,013$2,160$1,519$1,051$717$282
31 years$2,884$2,042$1,416$965$649$246
32 years$2,763$1,932$1,321$887$587$214
33 years$2,650$1,829$1,233$816$531$186
34 years$2,544$1,734$1,152$750$481$162
35 years$2,445$1,645$1,077$691$435$141
36 years$2,351$1,561$1,008$636$395$123
37 years$2,262$1,483$943$586$358$107
38 years$2,178$1,409$883$540$324$93
39 years$2,099$1,340$828$498$294$81
40 years$2,023$1,275$776$459$267$71
41 years$1,952$1,213$727$424$242$62
42 years$1,884$1,156$682$391$220$54
43 years$1,820$1,101$640$361$199$47
44 years$1,758$1,050$601$333$181$41
45 years$1,700$1,001$564$308$164$36
46 years$1,644$955$530$284$149$31
47 years$1,591$911$498$263$135$27
48 years$1,540$870$468$243$123$24
49 years$1,492$831$440$224$112$21
50 years$1,445$793$414$207$101$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,480,000, adding $2,809 every year, while hoping to spend $31,322 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: 38/37/25 Blend
34$1,480,000$1,480,000$1,480,000$1,480,000
35$1,633,857$1,555,417$1,532,477$1,683,663
36$1,767,185$1,598,307$1,550,489$1,763,160
37$1,913,061$1,642,247$1,568,054$1,845,909
38$2,072,735$1,687,259$1,585,125$1,934,725
39$2,247,577$1,733,358$1,601,651$2,030,178
40$2,439,102$1,780,565$1,617,578$2,132,893
41$2,648,974$1,828,896$1,632,850$2,243,561
42$2,879,027$1,878,369$1,647,409$2,362,942
43$3,131,281$1,929,003$1,661,190$2,491,871
44$3,407,961$1,980,813$1,674,129$2,631,271
45$3,711,516$2,033,816$1,686,155$2,782,155
46$4,044,646$2,088,028$1,697,197$2,945,642
47$4,410,324$2,143,466$1,707,177$3,122,962
48$4,811,825$2,200,143$1,716,015$3,315,472
49$5,252,755$2,258,075$1,723,626$3,524,667
50$5,737,090$2,317,274$1,729,921$3,752,193
51$6,269,206$2,377,753$1,734,806$3,999,864
52$6,853,926$2,439,524$1,738,183$4,269,678
53$7,496,563$2,502,597$1,739,949$4,563,838
54$8,202,971$2,566,983$1,739,996$4,884,772
55$8,979,597$2,632,689$1,738,209$5,235,152
56$9,833,548$2,699,722$1,734,471$5,617,928
57$10,772,649$2,768,087$1,728,655$6,036,345
58$11,805,525$2,837,789$1,720,630$6,493,984
59$12,941,677$2,908,830$1,710,260$6,994,788
60$14,191,574$2,981,209$1,697,400$7,543,105
61$15,566,752$3,054,925$1,681,900$8,143,725
62$17,079,917$3,129,973$1,663,601$8,801,927
63$18,745,075$3,206,348$1,642,337$9,523,531
64$20,577,653$3,284,040$1,617,936$10,314,950
65$22,594,653$3,363,037$1,590,216$11,183,251
66$24,814,806$3,443,324$1,558,987$12,136,224
67$27,258,753$3,524,883$1,524,049$13,182,453
68$29,949,236$3,607,694$1,485,196$14,331,402
69$32,911,317$3,691,729$1,442,209$15,593,498
70$36,172,609$3,776,962$1,394,860$16,980,234
71$39,763,539$3,863,357$1,342,912$18,504,279
72$43,717,636$3,950,877$1,286,116$20,179,594
73$48,071,845$4,039,480$1,224,210$22,021,566
74$52,866,875$4,129,117$1,156,924$24,047,155
75$58,147,587$4,219,734$1,083,972$26,275,051
76$63,963,414$4,311,274$1,005,057$28,725,856
77$70,368,824$4,403,668$919,869$31,422,273
78$77,423,843$4,496,847$828,083$34,389,327
79$85,194,611$4,590,729$729,360$37,654,597
80$93,754,015$4,685,228$623,347$41,248,479
81$103,182,368$4,780,248$509,673$45,204,474
82$113,568,175$4,875,685$387,952$49,559,504
83$125,008,962$4,971,427$257,782$54,354,261
84$137,612,200$5,067,351$118,741$59,633,594
85$151,496,316$5,163,322$0$65,446,929
86$166,791,814$5,259,199$0$71,856,650
87$183,642,503$5,354,823$0$78,949,204
88$202,206,857$5,450,028$0$86,759,178
89$222,659,508$5,544,632$0$95,359,632
90$245,192,899$5,638,439$0$104,831,075
91$270,019,091$5,731,240$0$115,262,228
92$297,371,776$5,822,808$0$126,750,863
93$327,508,473$5,912,901$0$139,404,722
94$360,712,963$6,001,259$0$153,342,542
95$397,297,968$6,087,604$0$168,695,166
96$437,608,100$6,171,636$0$185,606,789
97$482,023,117$6,253,036$0$204,236,312
98$530,961,503$6,331,464$0$224,758,847
99$584,884,424$6,406,553$0$247,367,367
100$644,300,075$6,477,914$0$272,274,532