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%17.5%
1 years$184,151$182,511$180,911$179,349$177,823$172,407
2 years$91,164$89,466$87,821$86,225$84,678$79,268
3 years$60,172$58,467$56,826$55,245$53,723$48,489
4 years$44,679$42,980$41,355$39,801$38,316$33,297
5 years$35,386$33,696$32,093$30,571$29,127$24,338
6 years$29,193$27,516$25,936$24,448$23,047$18,491
7 years$24,771$23,108$21,553$20,100$18,744$14,421
8 years$21,455$19,808$18,278$16,861$15,550$11,458
9 years$18,878$17,246$15,743$14,362$13,095$9,229
10 years$16,818$15,202$13,725$12,380$11,158$7,512
11 years$15,133$13,533$12,084$10,775$9,596$6,165
12 years$13,730$12,147$10,724$9,451$8,316$5,092
13 years$12,544$10,977$9,581$8,344$7,251$4,227
14 years$11,528$9,978$8,609$7,407$6,357$3,524
15 years$10,649$9,115$7,772$6,605$5,597$2,948
16 years$9,880$8,363$7,047$5,914$4,946$2,473
17 years$9,202$7,702$6,412$5,314$4,386$2,079
18 years$8,600$7,117$5,854$4,789$3,900$1,752
19 years$8,062$6,596$5,359$4,327$3,476$1,478
20 years$7,579$6,129$4,918$3,919$3,105$1,249
21 years$7,142$5,709$4,524$3,557$2,778$1,056
22 years$6,746$5,329$4,169$3,234$2,490$894
23 years$6,384$4,984$3,850$2,945$2,236$758
24 years$6,053$4,670$3,560$2,686$2,009$642
25 years$5,749$4,382$3,297$2,453$1,808$545
26 years$5,469$4,119$3,058$2,243$1,629$463
27 years$5,210$3,876$2,840$2,053$1,468$393
28 years$4,970$3,653$2,640$1,881$1,325$334
29 years$4,747$3,446$2,457$1,725$1,196$284
30 years$4,539$3,254$2,288$1,583$1,081$241
31 years$4,345$3,076$2,133$1,454$977$205
32 years$4,164$2,911$1,990$1,336$884$174
33 years$3,994$2,757$1,858$1,229$800$148
34 years$3,834$2,613$1,736$1,131$724$126
35 years$3,683$2,478$1,623$1,041$656$107
36 years$3,542$2,352$1,519$959$594$91
37 years$3,408$2,234$1,421$883$539$78
38 years$3,282$2,123$1,331$814$488$66
39 years$3,162$2,019$1,247$751$443$56
40 years$3,049$1,921$1,169$692$402$48
41 years$2,941$1,828$1,096$639$365$41
42 years$2,839$1,741$1,028$589$331$35
43 years$2,742$1,659$965$544$300$29
44 years$2,650$1,581$906$502$272$25
45 years$2,561$1,508$850$464$247$21
46 years$2,477$1,439$799$429$225$18
47 years$2,397$1,373$750$396$204$15
48 years$2,321$1,311$705$366$185$13
49 years$2,247$1,252$663$338$168$11
50 years$2,177$1,195$623$313$153$10

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 $5,259 every year, while hoping to spend $47,799 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: 33/39/28 Blend
34$2,230,000$2,230,000$2,230,000$2,230,000
35$2,462,885$2,344,695$2,310,130$2,523,059
36$2,663,241$2,408,727$2,336,661$2,633,292
37$2,882,432$2,474,295$2,362,480$2,747,399
38$3,122,328$2,541,423$2,387,510$2,869,448
39$3,384,988$2,610,136$2,411,675$3,000,177
40$3,672,682$2,680,457$2,434,891$3,140,397
41$3,987,907$2,752,411$2,457,071$3,291,000
42$4,333,414$2,826,020$2,478,124$3,452,969
43$4,712,233$2,901,306$2,497,952$3,627,389
44$5,127,702$2,978,290$2,516,454$3,815,451
45$5,583,495$3,056,994$2,533,523$4,018,470
46$6,083,661$3,137,436$2,549,045$4,237,893
47$6,632,659$3,219,636$2,562,903$4,475,317
48$7,235,402$3,303,609$2,574,972$4,732,497
49$7,897,300$3,389,373$2,585,121$5,011,371
50$8,624,314$3,476,942$2,593,212$5,314,073
51$9,423,011$3,566,329$2,599,101$5,642,954
52$10,300,624$3,657,545$2,602,637$6,000,606
53$11,265,122$3,750,599$2,603,659$6,389,884
54$12,325,284$3,845,499$2,602,002$6,813,936
55$13,490,784$3,942,248$2,597,490$7,276,231
56$14,772,276$4,040,851$2,589,938$7,780,592
57$16,181,502$4,141,306$2,579,155$8,331,233
58$17,731,396$4,243,611$2,564,937$8,932,798
59$19,436,210$4,347,760$2,547,074$9,590,407
60$21,311,645$4,453,742$2,525,343$10,309,701
61$23,375,003$4,561,545$2,499,512$11,096,899
62$25,645,344$4,671,152$2,469,337$11,958,857
63$28,143,672$4,782,541$2,434,562$12,903,129
64$30,893,129$4,895,688$2,394,922$13,938,045
65$33,919,212$5,010,561$2,350,136$15,072,783
66$37,250,018$5,127,124$2,299,912$16,317,462
67$40,916,504$5,245,338$2,243,943$17,683,235
68$44,952,781$5,365,153$2,181,909$19,182,394
69$49,396,437$5,486,518$2,113,475$20,828,491
70$54,288,887$5,609,371$2,038,291$22,636,460
71$59,675,769$5,733,646$1,955,989$24,622,765
72$65,607,370$5,859,267$1,866,187$26,805,551
73$72,139,101$5,986,150$1,768,483$29,204,821
74$79,332,021$6,114,204$1,662,460$31,842,619
75$87,253,414$6,243,326$1,547,678$34,743,246
76$95,977,419$6,373,405$1,423,682$37,933,486
77$105,585,733$6,504,319$1,289,993$41,442,861
78$116,168,381$6,635,935$1,146,111$45,303,910
79$127,824,566$6,768,106$991,516$49,552,501
80$140,663,603$6,900,674$825,663$54,228,163
81$154,805,951$7,033,467$647,983$59,374,469
82$170,384,350$7,166,300$457,883$65,039,444
83$187,545,074$7,298,969$254,742$71,276,018
84$206,449,310$7,431,256$37,914$78,142,535
85$227,274,679$7,562,927$0$85,703,296
86$250,216,913$7,693,727$0$94,086,977
87$275,491,701$7,823,383$0$103,329,734
88$303,336,727$7,951,601$0$113,506,541
89$334,013,909$8,078,066$0$124,712,517
90$367,811,874$8,202,437$0$137,052,483
91$405,048,681$8,324,352$0$150,641,954
92$446,074,822$8,443,421$0$165,608,228
93$491,276,531$8,559,226$0$182,091,591
94$541,079,430$8,671,321$0$200,246,640
95$595,952,545$8,779,228$0$220,243,743
96$656,412,732$8,882,438$0$242,270,650
97$723,029,558$8,980,405$0$266,534,264
98$796,430,677$9,072,549$0$293,262,598
99$877,307,751$9,158,249$0$322,706,925
100$966,422,983$9,236,844$0$355,144,156