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%13.3%
1 years$186,629$184,966$183,344$181,761$180,216$177,743
2 years$92,390$90,670$89,002$87,385$85,817$83,330
3 years$60,982$59,254$57,590$55,989$54,446$52,022
4 years$45,281$43,558$41,911$40,337$38,831$36,489
5 years$35,862$34,150$32,525$30,982$29,519$27,265
6 years$29,585$27,886$26,285$24,777$23,357$21,195
7 years$25,104$23,419$21,843$20,370$18,996$16,926
8 years$21,744$20,074$18,524$17,088$15,759$13,781
9 years$19,132$17,478$15,955$14,555$13,271$11,384
10 years$17,044$15,406$13,910$12,547$11,308$9,510
11 years$15,337$13,715$12,246$10,920$9,725$8,015
12 years$13,915$12,310$10,868$9,578$8,427$6,804
13 years$12,713$11,125$9,710$8,456$7,349$5,809
14 years$11,683$10,112$8,724$7,506$6,442$4,983
15 years$10,792$9,237$7,877$6,694$5,672$4,292
16 years$10,013$8,475$7,142$5,994$5,013$3,709
17 years$9,326$7,805$6,499$5,385$4,445$3,214
18 years$8,716$7,212$5,932$4,853$3,952$2,793
19 years$8,171$6,684$5,431$4,385$3,523$2,431
20 years$7,681$6,211$4,984$3,972$3,146$2,120
21 years$7,238$5,786$4,584$3,605$2,816$1,852
22 years$6,836$5,401$4,225$3,278$2,524$1,619
23 years$6,470$5,051$3,901$2,985$2,266$1,418
24 years$6,135$4,733$3,608$2,722$2,036$1,243
25 years$5,827$4,441$3,342$2,486$1,832$1,090
26 years$5,543$4,174$3,099$2,273$1,651$957
27 years$5,280$3,928$2,878$2,081$1,488$841
28 years$5,037$3,702$2,675$1,906$1,343$739
29 years$4,811$3,492$2,490$1,748$1,213$650
30 years$4,600$3,298$2,319$1,604$1,096$572
31 years$4,404$3,118$2,162$1,474$991$503
32 years$4,220$2,950$2,017$1,354$896$443
33 years$4,047$2,794$1,883$1,245$811$390
34 years$3,885$2,648$1,760$1,146$734$344
35 years$3,733$2,511$1,645$1,055$665$303
36 years$3,589$2,384$1,539$971$602$267
37 years$3,454$2,264$1,441$895$546$235
38 years$3,326$2,152$1,349$825$495$207
39 years$3,205$2,046$1,264$761$449$183
40 years$3,090$1,946$1,185$702$407$161
41 years$2,981$1,853$1,111$647$369$142
42 years$2,877$1,765$1,042$597$335$125
43 years$2,779$1,681$978$551$304$111
44 years$2,685$1,603$918$509$276$98
45 years$2,596$1,528$862$470$251$86
46 years$2,511$1,458$809$434$228$76
47 years$2,430$1,391$760$401$207$67
48 years$2,352$1,328$715$371$188$59
49 years$2,278$1,268$672$343$170$52
50 years$2,207$1,212$631$317$155$46

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 $4,793 every year, while hoping to spend $24,692 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: 31/43/26 Blend
34$2,260,000$2,260,000$2,260,000$2,260,000
35$2,495,464$2,375,684$2,340,654$2,552,754
36$2,723,729$2,465,820$2,392,794$2,687,319
37$2,974,450$2,559,546$2,445,853$2,829,555
38$3,249,891$2,657,010$2,499,835$2,982,172
39$3,552,546$2,758,370$2,554,746$3,146,095
40$3,885,163$2,863,788$2,610,588$3,322,336
41$4,250,771$2,973,435$2,667,364$3,512,006
42$4,652,704$3,087,488$2,725,075$3,716,328
43$5,094,638$3,206,132$2,783,723$3,936,639
44$5,580,620$3,329,562$2,843,307$4,174,410
45$6,115,112$3,457,980$2,903,827$4,431,256
46$6,703,029$3,591,596$2,965,280$4,708,950
47$7,349,784$3,730,631$3,027,663$5,009,441
48$8,061,345$3,875,314$3,090,972$5,334,870
49$8,844,283$4,025,886$3,155,202$5,687,589
50$9,705,843$4,182,597$3,220,344$6,070,183
51$10,654,005$4,345,710$3,286,391$6,485,496
52$11,697,561$4,515,498$3,353,333$6,936,650
53$12,846,201$4,692,246$3,421,159$7,427,083
54$14,110,600$4,876,252$3,489,854$7,960,572
55$15,502,522$5,067,829$3,559,404$8,541,272
56$17,034,927$5,267,301$3,629,792$9,173,754
57$18,722,099$5,475,008$3,701,000$9,863,045
58$20,579,776$5,691,306$3,773,006$10,614,676
59$22,625,298$5,916,565$3,845,786$11,434,732
60$24,877,774$6,151,172$3,919,316$12,329,910
61$27,358,261$6,395,534$3,993,567$13,307,577
62$30,089,960$6,650,072$4,068,509$14,375,842
63$33,098,440$6,915,229$4,144,107$15,543,631
64$36,411,872$7,191,467$4,220,326$16,820,767
65$40,061,303$7,479,268$4,297,127$18,218,062
66$44,080,941$7,779,137$4,374,465$19,747,419
67$48,508,483$8,091,601$4,452,297$21,421,942
68$53,385,471$8,417,212$4,530,571$23,256,058
69$58,757,678$8,756,545$4,609,234$25,265,649
70$64,675,548$9,110,202$4,688,230$27,468,204
71$71,194,665$9,478,813$4,767,497$29,882,980
72$78,376,281$9,863,036$4,846,969$32,531,181
73$86,287,895$10,263,558$4,926,576$35,436,156
74$95,003,887$10,681,098$5,006,242$38,623,620
75$104,606,220$11,116,409$5,085,888$42,121,891
76$115,185,217$11,570,276$5,165,428$45,962,158
77$126,840,410$12,043,520$5,244,771$50,178,767
78$139,681,482$12,537,003$5,323,821$54,809,552
79$153,829,299$13,051,621$5,402,474$59,896,180
80$169,417,052$13,588,316$5,480,622$65,484,547
81$186,591,517$14,148,069$5,558,148$71,625,207
82$205,514,436$14,731,909$5,634,931$78,373,844
83$226,364,047$15,340,910$5,710,839$85,791,799
84$249,336,762$15,976,197$5,785,734$93,946,641
85$274,649,027$16,638,946$5,859,472$102,912,802
86$302,539,361$17,330,387$5,931,897$112,772,280
87$333,270,606$18,051,807$6,002,847$123,615,403
88$367,132,414$18,804,552$6,072,148$135,541,684
89$404,443,975$19,590,030$6,139,620$148,660,750
90$445,557,033$20,409,714$6,205,070$163,093,378
91$490,859,206$21,265,145$6,268,295$178,972,626
92$540,777,644$22,157,936$6,329,082$196,445,088
93$595,783,063$23,089,774$6,387,205$215,672,270
94$656,394,187$24,062,425$6,442,428$236,832,112
95$723,182,645$25,077,734$6,494,500$260,120,660
96$796,778,367$26,137,636$6,543,158$285,753,912
97$877,875,532$27,244,152$6,588,126$313,969,852
98$967,239,121$28,399,399$6,629,112$345,030,689
99$1,065,712,134$29,605,592$6,665,810$379,225,326
100$1,174,223,555$30,865,050$6,697,898$416,872,082