Can I retire at age 35 with 2,230,000?

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 $2,230,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$184,151$182,511$180,911$179,349$177,823$174,233
2 years$91,164$89,466$87,821$86,225$84,678$81,076
3 years$60,172$58,467$56,826$55,245$53,723$50,223
4 years$44,679$42,980$41,355$39,801$38,316$34,944
5 years$35,386$33,696$32,093$30,571$29,127$25,893
6 years$29,193$27,516$25,936$24,448$23,047$19,954
7 years$24,771$23,108$21,553$20,100$18,744$15,792
8 years$21,455$19,808$18,278$16,861$15,550$12,740
9 years$18,878$17,246$15,743$14,362$13,095$10,424
10 years$16,818$15,202$13,725$12,380$11,158$8,623
11 years$15,133$13,533$12,084$10,775$9,596$7,195
12 years$13,730$12,147$10,724$9,451$8,316$6,045
13 years$12,544$10,977$9,581$8,344$7,251$5,107
14 years$11,528$9,978$8,609$7,407$6,357$4,334
15 years$10,649$9,115$7,772$6,605$5,597$3,692
16 years$9,880$8,363$7,047$5,914$4,946$3,155
17 years$9,202$7,702$6,412$5,314$4,386$2,703
18 years$8,600$7,117$5,854$4,789$3,900$2,321
19 years$8,062$6,596$5,359$4,327$3,476$1,997
20 years$7,579$6,129$4,918$3,919$3,105$1,721
21 years$7,142$5,709$4,524$3,557$2,778$1,485
22 years$6,746$5,329$4,169$3,234$2,490$1,283
23 years$6,384$4,984$3,850$2,945$2,236$1,110
24 years$6,053$4,670$3,560$2,686$2,009$960
25 years$5,749$4,382$3,297$2,453$1,808$832
26 years$5,469$4,119$3,058$2,243$1,629$721
27 years$5,210$3,876$2,840$2,053$1,468$625
28 years$4,970$3,653$2,640$1,881$1,325$542
29 years$4,747$3,446$2,457$1,725$1,196$471
30 years$4,539$3,254$2,288$1,583$1,081$409
31 years$4,345$3,076$2,133$1,454$977$355
32 years$4,164$2,911$1,990$1,336$884$308
33 years$3,994$2,757$1,858$1,229$800$268
34 years$3,834$2,613$1,736$1,131$724$233
35 years$3,683$2,478$1,623$1,041$656$203
36 years$3,542$2,352$1,519$959$594$176
37 years$3,408$2,234$1,421$883$539$153
38 years$3,282$2,123$1,331$814$488$133
39 years$3,162$2,019$1,247$751$443$116
40 years$3,049$1,921$1,169$692$402$101
41 years$2,941$1,828$1,096$639$365$88
42 years$2,839$1,741$1,028$589$331$76
43 years$2,742$1,659$965$544$300$66
44 years$2,650$1,581$906$502$272$58
45 years$2,561$1,508$850$464$247$50
46 years$2,477$1,439$799$429$225$44
47 years$2,397$1,373$750$396$204$38
48 years$2,321$1,311$705$366$185$33
49 years$2,247$1,252$663$338$168$29
50 years$2,177$1,195$623$313$153$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,230,000, adding $5,374 every year, while hoping to spend $57,756 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: 52/21/27 Blend
34$2,230,000$2,230,000$2,230,000$2,230,000
35$2,463,003$2,344,813$2,310,248$2,572,200
36$2,652,778$2,398,257$2,326,190$2,702,019
37$2,859,973$2,452,384$2,340,729$2,836,871
38$3,086,306$2,507,167$2,353,759$2,982,418
39$3,333,665$2,562,574$2,365,166$3,139,702
40$3,604,131$2,618,571$2,374,831$3,309,876
41$3,899,992$2,675,121$2,382,628$3,494,208
42$4,223,771$2,732,182$2,388,426$3,694,098
43$4,578,244$2,789,707$2,392,086$3,911,087
44$4,966,468$2,847,646$2,393,464$4,146,877
45$5,391,810$2,905,942$2,392,407$4,403,341
46$5,857,977$2,964,537$2,388,756$4,682,548
47$6,369,054$3,023,363$2,382,342$4,986,776
48$6,929,539$3,082,348$2,372,992$5,318,538
49$7,544,384$3,141,415$2,360,519$5,680,603
50$8,219,046$3,200,480$2,344,732$6,076,028
51$8,959,536$3,259,450$2,325,427$6,508,178
52$9,772,473$3,318,228$2,302,394$6,980,767
53$10,665,151$3,376,707$2,275,409$7,497,890
54$11,645,602$3,434,771$2,244,241$8,064,058
55$12,722,676$3,492,297$2,208,646$8,684,249
56$13,906,122$3,549,153$2,168,368$9,363,950
57$15,206,680$3,605,195$2,123,143$10,109,207
58$16,636,183$3,660,271$2,072,689$10,926,692
59$18,207,665$3,714,215$2,016,715$11,823,755
60$19,935,487$3,766,853$1,954,916$12,808,503
61$21,835,473$3,817,994$1,886,972$13,889,873
62$23,925,054$3,867,439$1,812,548$15,077,715
63$26,223,437$3,914,971$1,731,296$16,382,892
64$28,751,783$3,960,360$1,642,849$17,817,377
65$31,533,406$4,003,359$1,546,827$19,394,370
66$34,593,998$4,043,708$1,442,829$21,128,424
67$37,961,861$4,081,125$1,330,440$23,035,581
68$41,668,184$4,115,313$1,209,222$25,133,525
69$45,747,329$4,145,954$1,078,722$27,441,750
70$50,237,160$4,172,709$938,463$29,981,748
71$55,179,398$4,195,219$787,948$32,777,209
72$60,620,012$4,213,101$626,660$35,854,246
73$66,609,657$4,225,946$454,057$39,241,645
74$73,204,147$4,233,323$269,573$42,971,139
75$80,464,985$4,234,771$72,619$47,077,705
76$88,459,940$4,229,801$0$51,599,898
77$97,263,688$4,217,895$0$56,619,849
78$106,958,514$4,198,501$0$62,169,673
79$117,635,091$4,171,036$0$68,280,256
80$129,393,333$4,134,880$0$75,008,717
81$142,343,339$4,089,376$0$82,417,998
82$156,606,430$4,033,826$0$90,577,467
83$172,316,295$3,967,492$0$99,563,569
84$189,620,250$3,889,592$0$109,460,549
85$208,680,631$3,799,297$0$120,361,246
86$229,676,323$3,695,730$0$132,367,974
87$252,804,449$3,577,962$0$145,593,485
88$278,282,229$3,445,009$0$160,162,039
89$306,349,033$3,295,831$0$176,210,571
90$337,268,634$3,129,326$0$193,889,990
91$371,331,703$2,944,331$0$213,366,603
92$408,858,547$2,739,614$0$234,823,686
93$450,202,136$2,513,872$0$258,463,215
94$495,751,431$2,265,729$0$284,507,777
95$545,935,058$1,993,731$0$313,202,666
96$601,225,350$1,696,340$0$344,818,209
97$662,142,807$1,371,931$0$379,652,313
98$729,261,007$1,018,790$0$418,033,279
99$803,212,021$635,102$0$460,322,910
100$884,692,381$218,956$0$506,919,919