Can I retire at age 35 with 2,270,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$187,454$185,785$184,156$182,566$181,013$177,213
2 years$92,799$91,071$89,396$87,772$86,197$82,386
3 years$61,252$59,516$57,845$56,236$54,687$50,985
4 years$45,481$43,750$42,096$40,515$39,003$35,438
5 years$36,021$34,301$32,669$31,119$29,649$26,232
6 years$29,716$28,009$26,401$24,887$23,461$20,193
7 years$25,215$23,522$21,939$20,461$19,080$15,964
8 years$21,840$20,163$18,606$17,164$15,829$12,863
9 years$19,217$17,555$16,026$14,620$13,330$10,512
10 years$17,120$15,474$13,972$12,602$11,358$8,686
11 years$15,405$13,776$12,300$10,968$9,768$7,238
12 years$13,977$12,364$10,916$9,620$8,465$6,073
13 years$12,769$11,174$9,753$8,493$7,381$5,124
14 years$11,735$10,157$8,763$7,539$6,471$4,342
15 years$10,840$9,278$7,912$6,724$5,697$3,694
16 years$10,057$8,513$7,173$6,020$5,035$3,152
17 years$9,367$7,840$6,527$5,409$4,465$2,697
18 years$8,755$7,244$5,959$4,875$3,970$2,313
19 years$8,207$6,714$5,455$4,405$3,538$1,987
20 years$7,715$6,239$5,006$3,989$3,160$1,709
21 years$7,270$5,811$4,605$3,621$2,828$1,473
22 years$6,867$5,425$4,244$3,292$2,535$1,270
23 years$6,499$5,074$3,919$2,998$2,276$1,097
24 years$6,162$4,754$3,624$2,734$2,045$948
25 years$5,852$4,461$3,357$2,497$1,841$820
26 years$5,567$4,193$3,113$2,283$1,658$709
27 years$5,304$3,946$2,891$2,090$1,495$614
28 years$5,059$3,718$2,687$1,915$1,349$532
29 years$4,832$3,508$2,501$1,756$1,218$461
30 years$4,621$3,313$2,329$1,612$1,100$400
31 years$4,423$3,131$2,172$1,480$995$347
32 years$4,238$2,963$2,026$1,360$900$301
33 years$4,065$2,806$1,892$1,251$814$261
34 years$3,903$2,659$1,768$1,151$737$226
35 years$3,750$2,522$1,653$1,059$668$196
36 years$3,605$2,394$1,546$976$605$170
37 years$3,469$2,274$1,447$899$548$148
38 years$3,341$2,161$1,355$829$497$128
39 years$3,219$2,055$1,270$764$451$112
40 years$3,103$1,955$1,190$705$409$97
41 years$2,994$1,861$1,116$650$371$84
42 years$2,890$1,772$1,047$600$337$73
43 years$2,791$1,689$982$554$306$63
44 years$2,697$1,610$922$511$277$55
45 years$2,607$1,535$866$472$252$48
46 years$2,522$1,464$813$436$229$42
47 years$2,440$1,397$764$403$208$36
48 years$2,362$1,334$718$372$189$31
49 years$2,288$1,274$675$344$171$27
50 years$2,216$1,217$634$318$156$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,270,000, adding $3,433 every year, while hoping to spend $39,473 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: 71/14/15 Blend
34$2,270,000$2,270,000$2,270,000$2,270,000
35$2,505,081$2,384,771$2,349,586$2,674,199
36$2,718,600$2,459,626$2,386,298$2,861,785
37$2,952,576$2,536,826$2,422,917$3,061,978
38$3,209,052$2,616,444$2,459,399$3,280,113
39$3,490,281$2,698,555$2,495,694$3,517,956
40$3,798,744$2,783,238$2,531,754$3,777,453
41$4,137,171$2,870,573$2,567,524$4,060,743
42$4,508,574$2,960,642$2,602,947$4,370,185
43$4,916,266$3,053,531$2,637,963$4,708,376
44$5,363,900$3,149,328$2,672,509$5,078,176
45$5,855,496$3,248,124$2,706,517$5,482,735
46$6,395,486$3,350,012$2,739,914$5,925,522
47$6,988,751$3,455,088$2,772,627$6,410,359
48$7,640,668$3,563,452$2,804,575$6,941,456
49$8,357,161$3,675,206$2,835,673$7,523,450
50$9,144,757$3,790,456$2,865,833$8,161,449
51$10,010,645$3,909,311$2,894,962$8,861,080
52$10,962,748$4,031,884$2,922,959$9,628,543
53$12,009,791$4,158,290$2,949,722$10,470,667
54$13,161,392$4,288,648$2,975,139$11,394,976
55$14,428,144$4,423,081$2,999,096$12,409,759
56$15,821,719$4,561,717$3,021,471$13,524,151
57$17,354,980$4,704,687$3,042,135$14,748,212
58$19,042,095$4,852,124$3,060,954$16,093,028
59$20,898,679$5,004,168$3,077,787$17,570,816
60$22,941,934$5,160,962$3,092,483$19,195,033
61$25,190,817$5,322,655$3,104,886$20,980,507
62$27,666,213$5,489,398$3,114,833$22,943,579
63$30,391,136$5,661,348$3,122,149$25,102,250
64$33,390,945$5,838,667$3,126,654$27,476,357
65$36,693,582$6,021,522$3,128,157$30,087,759
66$40,329,836$6,210,085$3,126,459$32,960,540
67$44,333,633$6,404,533$3,121,349$36,121,239
68$48,742,357$6,605,049$3,112,608$39,599,097
69$53,597,202$6,811,821$3,100,005$43,426,338
70$58,943,560$7,025,043$3,083,298$47,638,470
71$64,831,448$7,244,915$3,062,234$52,274,617
72$71,315,984$7,471,645$3,036,547$57,377,893
73$78,457,903$7,705,443$3,005,959$62,995,807
74$86,324,128$7,946,529$2,970,179$69,180,710
75$94,988,410$8,195,130$2,928,901$75,990,290
76$104,532,014$8,451,478$2,881,805$83,488,117
77$115,044,492$8,715,812$2,828,557$91,744,240
78$126,624,524$8,988,380$2,768,808$100,835,853
79$139,380,852$9,269,438$2,702,189$110,848,019
80$153,433,305$9,559,247$2,628,319$121,874,472
81$168,913,930$9,858,078$2,546,796$134,018,507
82$185,968,238$10,166,210$2,457,200$147,393,952
83$204,756,575$10,483,931$2,359,093$162,126,238
84$225,455,639$10,811,537$2,252,016$178,353,592
85$248,260,145$11,149,334$2,135,490$196,228,332
86$273,384,664$11,497,635$2,009,013$215,918,312
87$301,065,646$11,856,766$1,872,061$237,608,503
88$331,563,654$12,227,060$1,724,088$261,502,739
89$365,165,823$12,608,862$1,564,521$287,825,642
90$402,188,567$13,002,526$1,392,762$316,824,741
91$442,980,570$13,408,419$1,208,189$348,772,811
92$487,926,073$13,826,916$1,010,148$383,970,445
93$537,448,504$14,258,407$797,960$422,748,893
94$592,014,473$14,703,291$570,913$465,473,190
95$652,138,177$15,161,980$328,267$512,545,599
96$718,386,254$15,634,899$69,246$564,409,413
97$791,383,128$16,122,486$0$621,553,133
98$871,816,910$16,625,190$0$684,548,245
99$960,445,888$17,143,478$0$753,968,805
100$1,058,105,687$17,677,827$0$830,457,600