Can I retire at age 35 with 2,260,000?

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 $2,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$186,629$184,966$183,344$181,761$180,216$178,185
2 years$92,390$90,670$89,002$87,385$85,817$83,773
3 years$60,982$59,254$57,590$55,989$54,446$52,452
4 years$45,281$43,558$41,911$40,337$38,831$36,902
5 years$35,862$34,150$32,525$30,982$29,519$27,661
6 years$29,585$27,886$26,285$24,777$23,357$21,572
7 years$25,104$23,419$21,843$20,370$18,996$17,285
8 years$21,744$20,074$18,524$17,088$15,759$14,121
9 years$19,132$17,478$15,955$14,555$13,271$11,707
10 years$17,044$15,406$13,910$12,547$11,308$9,815
11 years$15,337$13,715$12,246$10,920$9,725$8,303
12 years$13,915$12,310$10,868$9,578$8,427$7,075
13 years$12,713$11,125$9,710$8,456$7,349$6,064
14 years$11,683$10,112$8,724$7,506$6,442$5,223
15 years$10,792$9,237$7,877$6,694$5,672$4,517
16 years$10,013$8,475$7,142$5,994$5,013$3,920
17 years$9,326$7,805$6,499$5,385$4,445$3,412
18 years$8,716$7,212$5,932$4,853$3,952$2,977
19 years$8,171$6,684$5,431$4,385$3,523$2,603
20 years$7,681$6,211$4,984$3,972$3,146$2,280
21 years$7,238$5,786$4,584$3,605$2,816$2,000
22 years$6,836$5,401$4,225$3,278$2,524$1,757
23 years$6,470$5,051$3,901$2,985$2,266$1,546
24 years$6,135$4,733$3,608$2,722$2,036$1,361
25 years$5,827$4,441$3,342$2,486$1,832$1,200
26 years$5,543$4,174$3,099$2,273$1,651$1,058
27 years$5,280$3,928$2,878$2,081$1,488$934
28 years$5,037$3,702$2,675$1,906$1,343$825
29 years$4,811$3,492$2,490$1,748$1,213$729
30 years$4,600$3,298$2,319$1,604$1,096$644
31 years$4,404$3,118$2,162$1,474$991$570
32 years$4,220$2,950$2,017$1,354$896$504
33 years$4,047$2,794$1,883$1,245$811$446
34 years$3,885$2,648$1,760$1,146$734$395
35 years$3,733$2,511$1,645$1,055$665$350
36 years$3,589$2,384$1,539$971$602$310
37 years$3,454$2,264$1,441$895$546$275
38 years$3,326$2,152$1,349$825$495$243
39 years$3,205$2,046$1,264$761$449$216
40 years$3,090$1,946$1,185$702$407$191
41 years$2,981$1,853$1,111$647$369$169
42 years$2,877$1,765$1,042$597$335$150
43 years$2,779$1,681$978$551$304$133
44 years$2,685$1,603$918$509$276$118
45 years$2,596$1,528$862$470$251$105
46 years$2,511$1,458$809$434$228$93
47 years$2,430$1,391$760$401$207$82
48 years$2,352$1,328$715$371$188$73
49 years$2,278$1,268$672$343$170$65
50 years$2,207$1,212$631$317$155$57

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,260,000, adding $2,196 every year, while hoping to spend $57,237 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: 50/43/7 Blend
34$2,260,000$2,260,000$2,260,000$2,260,000
35$2,492,785$2,373,005$2,337,975$2,612,888
36$2,686,150$2,428,383$2,355,398$2,750,372
37$2,897,319$2,484,555$2,371,485$2,893,371
38$3,128,048$2,541,502$2,386,133$3,047,397
39$3,380,271$2,599,197$2,399,231$3,213,496
40$3,656,116$2,657,615$2,410,662$3,392,820
41$3,957,925$2,716,723$2,420,304$3,586,637
42$4,288,278$2,776,487$2,428,029$3,796,345
43$4,650,016$2,836,869$2,433,702$4,023,482
44$5,046,268$2,897,826$2,437,182$4,269,742
45$5,480,480$2,959,312$2,438,319$4,536,992
46$5,956,445$3,021,274$2,436,959$4,827,289
47$6,478,343$3,083,657$2,432,938$5,142,897
48$7,050,776$3,146,398$2,426,083$5,486,313
49$7,678,813$3,209,430$2,416,215$5,860,287
50$8,368,040$3,272,680$2,403,146$6,267,849
51$9,124,606$3,336,068$2,386,678$6,712,339
52$9,955,288$3,399,507$2,366,603$7,197,435
53$10,867,548$3,462,903$2,342,705$7,727,192
54$11,869,609$3,526,156$2,314,757$8,306,079
55$12,970,527$3,589,156$2,282,519$8,939,019
56$14,180,280$3,651,785$2,245,743$9,631,440
57$15,509,862$3,713,915$2,204,169$10,389,322
58$16,971,381$3,775,410$2,157,522$11,219,257
59$18,578,180$3,836,124$2,105,517$12,128,510
60$20,344,958$3,895,897$2,047,855$13,125,086
61$22,287,909$3,954,561$1,984,223$14,217,811
62$24,424,875$4,011,934$1,914,295$15,416,409
63$26,775,516$4,067,822$1,837,727$16,731,602
64$29,361,489$4,122,017$1,754,161$18,175,203
65$32,206,661$4,174,295$1,663,225$19,760,235
66$35,337,324$4,224,419$1,564,527$21,501,051
67$38,782,451$4,272,136$1,457,659$23,413,470
68$42,573,964$4,317,173$1,342,193$25,514,928
69$46,747,035$4,359,242$1,217,684$27,824,644
70$51,340,422$4,398,033$1,083,665$30,363,800
71$56,396,827$4,433,219$939,650$33,155,741
72$61,963,306$4,464,449$785,131$36,226,202
73$68,091,706$4,491,351$619,576$39,603,544
74$74,839,160$4,513,527$442,432$43,319,028
75$82,268,620$4,530,555$253,119$47,407,110
76$90,449,455$4,541,988$51,034$51,905,766
77$99,458,103$4,547,349$0$56,856,852
78$109,378,790$4,546,130$0$62,318,800
79$120,304,331$4,537,795$0$68,335,028
80$132,336,997$4,521,771$0$74,957,814
81$145,589,487$4,497,453$0$82,248,983
82$160,185,985$4,464,199$0$90,276,669
83$176,263,336$4,421,326$0$99,115,967
84$193,972,337$4,368,111$0$108,849,640
85$213,479,154$4,303,788$0$119,568,900
86$234,966,899$4,227,544$0$131,374,274
87$258,637,349$4,138,521$0$144,376,555
88$284,712,856$4,035,805$0$158,697,847
89$313,438,441$3,918,433$0$174,472,721
90$345,084,109$3,785,384$0$191,849,490
91$379,947,396$3,635,576$0$210,991,609
92$418,356,177$3,467,865$0$232,079,220
93$460,671,759$3,281,043$0$255,310,858
94$507,292,293$3,073,828$0$280,905,327
95$558,656,530$2,844,869$0$309,103,769
96$615,247,962$2,592,733$0$340,171,942
97$677,599,387$2,315,910$0$374,402,736
98$746,297,936$2,012,801$0$412,118,939
99$821,990,614$1,681,716$0$453,676,290
100$905,390,409$1,320,873$0$499,466,839