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%18.7%
1 years$186,629$184,966$183,344$181,761$180,216$173,891
2 years$92,390$90,670$89,002$87,385$85,817$79,511
3 years$60,982$59,254$57,590$55,989$54,446$48,357
4 years$45,281$43,558$41,911$40,337$38,831$33,006
5 years$35,862$34,150$32,525$30,982$29,519$23,973
6 years$29,585$27,886$26,285$24,777$23,357$18,095
7 years$25,104$23,419$21,843$20,370$18,996$14,015
8 years$21,744$20,074$18,524$17,088$15,759$11,057
9 years$19,132$17,478$15,955$14,555$13,271$8,841
10 years$17,044$15,406$13,910$12,547$11,308$7,142
11 years$15,337$13,715$12,246$10,920$9,725$5,816
12 years$13,915$12,310$10,868$9,578$8,427$4,765
13 years$12,713$11,125$9,710$8,456$7,349$3,924
14 years$11,683$10,112$8,724$7,506$6,442$3,244
15 years$10,792$9,237$7,877$6,694$5,672$2,691
16 years$10,013$8,475$7,142$5,994$5,013$2,238
17 years$9,326$7,805$6,499$5,385$4,445$1,865
18 years$8,716$7,212$5,932$4,853$3,952$1,557
19 years$8,171$6,684$5,431$4,385$3,523$1,302
20 years$7,681$6,211$4,984$3,972$3,146$1,090
21 years$7,238$5,786$4,584$3,605$2,816$913
22 years$6,836$5,401$4,225$3,278$2,524$766
23 years$6,470$5,051$3,901$2,985$2,266$643
24 years$6,135$4,733$3,608$2,722$2,036$540
25 years$5,827$4,441$3,342$2,486$1,832$454
26 years$5,543$4,174$3,099$2,273$1,651$381
27 years$5,280$3,928$2,878$2,081$1,488$321
28 years$5,037$3,702$2,675$1,906$1,343$270
29 years$4,811$3,492$2,490$1,748$1,213$227
30 years$4,600$3,298$2,319$1,604$1,096$191
31 years$4,404$3,118$2,162$1,474$991$161
32 years$4,220$2,950$2,017$1,354$896$135
33 years$4,047$2,794$1,883$1,245$811$114
34 years$3,885$2,648$1,760$1,146$734$96
35 years$3,733$2,511$1,645$1,055$665$81
36 years$3,589$2,384$1,539$971$602$68
37 years$3,454$2,264$1,441$895$546$57
38 years$3,326$2,152$1,349$825$495$48
39 years$3,205$2,046$1,264$761$449$41
40 years$3,090$1,946$1,185$702$407$34
41 years$2,981$1,853$1,111$647$369$29
42 years$2,877$1,765$1,042$597$335$24
43 years$2,779$1,681$978$551$304$20
44 years$2,685$1,603$918$509$276$17
45 years$2,596$1,528$862$470$251$15
46 years$2,511$1,458$809$434$228$12
47 years$2,430$1,391$760$401$207$10
48 years$2,352$1,328$715$371$188$9
49 years$2,278$1,268$672$343$170$7
50 years$2,207$1,212$631$317$155$6

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 $4,169 every year, while hoping to spend $57,961 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: 62/17/21 Blend
34$2,260,000$2,260,000$2,260,000$2,260,000
35$2,494,820$2,375,040$2,340,010$2,635,628
36$2,687,622$2,429,747$2,356,731$2,785,928
37$2,898,147$2,485,192$2,372,068$2,943,136
38$3,128,141$2,541,350$2,385,916$3,113,455
39$3,379,528$2,598,193$2,398,161$3,298,170
40$3,654,425$2,655,689$2,408,684$3,498,695
41$3,955,161$2,713,803$2,417,360$3,716,590
42$4,284,305$2,772,496$2,424,059$3,953,572
43$4,644,681$2,831,726$2,428,642$4,211,537
44$5,039,402$2,891,444$2,430,965$4,492,569
45$5,471,895$2,951,598$2,430,876$4,798,969
46$5,945,934$3,012,132$2,428,216$5,133,271
47$6,465,675$3,072,983$2,422,818$5,498,268
48$7,035,699$3,134,084$2,414,507$5,897,038
49$7,661,046$3,195,360$2,403,098$6,332,973
50$8,347,271$3,256,731$2,388,401$6,809,812
51$9,100,492$3,318,111$2,370,212$7,331,677
52$9,927,449$3,379,404$2,348,320$7,903,109
53$10,835,564$3,440,511$2,322,505$8,529,115
54$11,833,016$3,501,320$2,292,533$9,215,212
55$12,928,813$3,561,714$2,258,162$9,967,482
56$14,132,880$3,621,566$2,219,138$10,792,627
57$15,456,149$3,680,738$2,175,195$11,698,037
58$16,910,666$3,739,084$2,126,053$12,691,853
59$18,509,700$3,796,445$2,071,422$13,783,051
60$20,267,871$3,852,652$2,010,997$14,981,525
61$22,201,286$3,907,525$1,944,457$16,298,177
62$24,327,692$3,960,868$1,871,471$17,745,026
63$26,666,640$4,012,474$1,791,689$19,335,318
64$29,239,672$4,062,120$1,704,746$21,083,653
65$32,070,525$4,109,570$1,610,261$23,006,124
66$35,185,349$4,154,570$1,507,835$25,120,467
67$38,612,960$4,196,849$1,397,053$27,446,231
68$42,385,106$4,236,119$1,277,478$30,004,962
69$46,536,770$4,272,072$1,148,657$32,820,410
70$51,106,498$4,304,381$1,010,115$35,918,749
71$56,136,763$4,332,698$861,355$39,328,829
72$61,674,362$4,356,649$701,860$43,082,446
73$67,770,863$4,375,842$531,089$47,214,645
74$74,483,088$4,389,854$348,477$51,764,052
75$81,873,647$4,398,241$153,435$56,773,238
76$90,011,531$4,400,527$0$62,289,124
77$98,972,763$4,396,209$0$68,375,680
78$108,841,112$4,384,750$0$75,115,128
79$119,708,887$4,365,584$0$82,536,019
80$131,677,802$4,338,107$0$90,707,740
81$144,859,944$4,301,680$0$99,706,758
82$159,378,820$4,255,624$0$109,617,336
83$175,370,531$4,199,221$0$120,532,335
84$192,985,052$4,131,710$0$132,554,086
85$212,387,646$4,052,282$0$145,795,358
86$233,760,425$3,960,083$0$160,380,424
87$257,304,068$3,854,207$0$176,446,234
88$283,239,716$3,733,696$0$194,143,708
89$311,811,055$3,597,535$0$213,639,159
90$343,286,618$3,444,649$0$235,115,867
91$377,962,320$3,273,904$0$258,775,809
92$416,164,248$3,084,097$0$284,841,566
93$458,251,741$2,873,957$0$313,558,423
94$504,620,778$2,642,141$0$345,196,689
95$555,707,719$2,387,227$0$380,054,247
96$611,993,420$2,107,715$0$418,459,367
97$674,007,773$1,802,017$0$460,773,810
98$742,334,707$1,468,458$0$507,396,238
99$817,617,700$1,105,265$0$558,765,982
100$900,565,852$710,569$0$615,367,193