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

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 $2,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$187,454$185,785$184,156$182,566$181,013$175,149
2 years$92,799$91,071$89,396$87,772$86,197$80,343
3 years$61,252$59,516$57,845$56,236$54,687$49,028
4 years$45,481$43,750$42,096$40,515$39,003$33,583
5 years$36,021$34,301$32,669$31,119$29,649$24,482
6 years$29,716$28,009$26,401$24,887$23,461$18,550
7 years$25,215$23,522$21,939$20,461$19,080$14,426
8 years$21,840$20,163$18,606$17,164$15,829$11,427
9 years$19,217$17,555$16,026$14,620$13,330$9,177
10 years$17,120$15,474$13,972$12,602$11,358$7,446
11 years$15,405$13,776$12,300$10,968$9,768$6,091
12 years$13,977$12,364$10,916$9,620$8,465$5,014
13 years$12,769$11,174$9,753$8,493$7,381$4,149
14 years$11,735$10,157$8,763$7,539$6,471$3,447
15 years$10,840$9,278$7,912$6,724$5,697$2,873
16 years$10,057$8,513$7,173$6,020$5,035$2,401
17 years$9,367$7,840$6,527$5,409$4,465$2,012
18 years$8,755$7,244$5,959$4,875$3,970$1,688
19 years$8,207$6,714$5,455$4,405$3,538$1,419
20 years$7,715$6,239$5,006$3,989$3,160$1,195
21 years$7,270$5,811$4,605$3,621$2,828$1,006
22 years$6,867$5,425$4,244$3,292$2,535$849
23 years$6,499$5,074$3,919$2,998$2,276$716
24 years$6,162$4,754$3,624$2,734$2,045$605
25 years$5,852$4,461$3,357$2,497$1,841$511
26 years$5,567$4,193$3,113$2,283$1,658$432
27 years$5,304$3,946$2,891$2,090$1,495$365
28 years$5,059$3,718$2,687$1,915$1,349$309
29 years$4,832$3,508$2,501$1,756$1,218$262
30 years$4,621$3,313$2,329$1,612$1,100$221
31 years$4,423$3,131$2,172$1,480$995$187
32 years$4,238$2,963$2,026$1,360$900$159
33 years$4,065$2,806$1,892$1,251$814$134
34 years$3,903$2,659$1,768$1,151$737$114
35 years$3,750$2,522$1,653$1,059$668$96
36 years$3,605$2,394$1,546$976$605$82
37 years$3,469$2,274$1,447$899$548$69
38 years$3,341$2,161$1,355$829$497$59
39 years$3,219$2,055$1,270$764$451$50
40 years$3,103$1,955$1,190$705$409$42
41 years$2,994$1,861$1,116$650$371$36
42 years$2,890$1,772$1,047$600$337$30
43 years$2,791$1,689$982$554$306$26
44 years$2,697$1,610$922$511$277$22
45 years$2,607$1,535$866$472$252$18
46 years$2,522$1,464$813$436$229$16
47 years$2,440$1,397$764$403$208$13
48 years$2,362$1,334$718$372$189$11
49 years$2,288$1,274$675$344$171$9
50 years$2,216$1,217$634$318$156$8

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 $2,238 every year, while hoping to spend $57,061 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: 57/26/17 Blend
34$2,270,000$2,270,000$2,270,000$2,270,000
35$2,503,848$2,383,538$2,348,353$2,635,271
36$2,698,529$2,439,619$2,366,311$2,780,834
37$2,911,154$2,496,536$2,382,957$2,932,986
38$3,143,494$2,554,269$2,398,189$3,097,502
39$3,397,498$2,612,795$2,411,896$3,275,578
40$3,675,311$2,672,091$2,423,963$3,468,537
41$3,979,296$2,732,127$2,434,269$3,677,833
42$4,312,055$2,792,872$2,442,688$3,905,070
43$4,676,451$2,854,289$2,449,085$4,152,013
44$5,075,640$2,916,340$2,453,320$4,420,609
45$5,513,095$2,978,980$2,455,245$4,713,003
46$5,992,642$3,042,162$2,454,708$5,031,557
47$6,518,495$3,105,831$2,451,544$5,378,875
48$7,095,296$3,169,931$2,445,584$5,757,828
49$7,728,155$3,234,396$2,436,650$6,171,577
50$8,422,703$3,299,159$2,424,555$6,623,608
51$9,185,144$3,364,142$2,409,102$7,117,762
52$10,022,307$3,429,264$2,390,086$7,658,272
53$10,941,721$3,494,436$2,367,292$8,249,803
54$11,951,674$3,559,561$2,340,494$8,897,497
55$13,061,301$3,624,535$2,309,457$9,607,022
56$14,280,662$3,689,246$2,273,932$10,384,623
57$15,620,841$3,753,571$2,233,660$11,237,184
58$17,094,051$3,817,380$2,188,372$12,172,293
59$18,713,744$3,880,532$2,137,783$13,198,313
60$20,494,744$3,942,875$2,081,596$14,324,461
61$22,453,379$4,004,248$2,019,501$15,560,895
62$24,607,643$4,064,475$1,951,174$16,918,814
63$26,977,358$4,123,370$1,876,274$18,410,559
64$29,584,366$4,180,733$1,794,446$20,049,731
65$32,452,732$4,236,349$1,705,320$21,851,325
66$35,608,969$4,289,988$1,608,507$23,831,864
67$39,082,294$4,341,408$1,503,602$26,009,562
68$42,904,895$4,390,344$1,390,180$28,404,493
69$47,112,243$4,436,519$1,267,799$31,038,784
70$51,743,418$4,479,635$1,135,997$33,936,820
71$56,841,483$4,519,374$994,290$37,125,481
72$62,453,889$4,555,398$842,173$40,634,389
73$68,632,919$4,587,345$679,119$44,496,198
74$75,436,185$4,614,834$504,577$48,746,894
75$82,927,169$4,637,454$317,974$53,426,141
76$91,175,824$4,654,773$118,710$58,577,656
77$100,259,229$4,666,327$0$64,249,619
78$110,262,320$4,671,628$0$70,512,175
79$121,278,692$4,670,152$0$77,430,899
80$133,411,476$4,661,347$0$85,048,865
81$146,774,318$4,644,625$0$93,437,298
82$161,492,449$4,619,362$0$102,674,689
83$177,703,864$4,584,896$0$112,847,538
84$195,560,628$4,540,526$0$124,051,170
85$215,230,308$4,485,507$0$136,390,636
86$236,897,553$4,419,050$0$149,981,708
87$260,765,841$4,340,321$0$164,951,968
88$287,059,393$4,248,433$0$181,442,016
89$316,025,293$4,142,449$0$199,606,800
90$347,935,820$4,021,376$0$219,617,076
91$383,091,013$3,884,163$0$241,661,023
92$421,821,506$3,729,696$0$265,946,023
93$464,491,649$3,556,800$0$292,700,614
94$511,502,943$3,364,230$0$322,176,656
95$563,297,833$3,150,667$0$354,651,706
96$620,363,882$2,914,720$0$390,431,640
97$683,238,373$2,654,916$0$429,853,545
98$752,513,379$2,369,699$0$473,288,900
99$828,841,353$2,057,424$0$521,147,087
100$912,941,287$1,716,353$0$573,879,258