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%14.3%
1 years$187,454$185,785$184,156$182,566$181,013$177,795
2 years$92,799$91,071$89,396$87,772$86,197$82,965
3 years$61,252$59,516$57,845$56,236$54,687$51,543
4 years$45,481$43,750$42,096$40,515$39,003$35,971
5 years$36,021$34,301$32,669$31,119$29,649$26,738
6 years$29,716$28,009$26,401$24,887$23,461$20,673
7 years$25,215$23,522$21,939$20,461$19,080$16,416
8 years$21,840$20,163$18,606$17,164$15,829$13,289
9 years$19,217$17,555$16,026$14,620$13,330$10,913
10 years$17,120$15,474$13,972$12,602$11,358$9,061
11 years$15,405$13,776$12,300$10,968$9,768$7,589
12 years$13,977$12,364$10,916$9,620$8,465$6,401
13 years$12,769$11,174$9,753$8,493$7,381$5,429
14 years$11,735$10,157$8,763$7,539$6,471$4,626
15 years$10,840$9,278$7,912$6,724$5,697$3,957
16 years$10,057$8,513$7,173$6,020$5,035$3,396
17 years$9,367$7,840$6,527$5,409$4,465$2,922
18 years$8,755$7,244$5,959$4,875$3,970$2,520
19 years$8,207$6,714$5,455$4,405$3,538$2,178
20 years$7,715$6,239$5,006$3,989$3,160$1,885
21 years$7,270$5,811$4,605$3,621$2,828$1,634
22 years$6,867$5,425$4,244$3,292$2,535$1,418
23 years$6,499$5,074$3,919$2,998$2,276$1,232
24 years$6,162$4,754$3,624$2,734$2,045$1,072
25 years$5,852$4,461$3,357$2,497$1,841$933
26 years$5,567$4,193$3,113$2,283$1,658$812
27 years$5,304$3,946$2,891$2,090$1,495$708
28 years$5,059$3,718$2,687$1,915$1,349$617
29 years$4,832$3,508$2,501$1,756$1,218$538
30 years$4,621$3,313$2,329$1,612$1,100$470
31 years$4,423$3,131$2,172$1,480$995$410
32 years$4,238$2,963$2,026$1,360$900$358
33 years$4,065$2,806$1,892$1,251$814$313
34 years$3,903$2,659$1,768$1,151$737$273
35 years$3,750$2,522$1,653$1,059$668$239
36 years$3,605$2,394$1,546$976$605$209
37 years$3,469$2,274$1,447$899$548$182
38 years$3,341$2,161$1,355$829$497$159
39 years$3,219$2,055$1,270$764$451$139
40 years$3,103$1,955$1,190$705$409$122
41 years$2,994$1,861$1,116$650$371$106
42 years$2,890$1,772$1,047$600$337$93
43 years$2,791$1,689$982$554$306$81
44 years$2,697$1,610$922$511$277$71
45 years$2,607$1,535$866$472$252$62
46 years$2,522$1,464$813$436$229$54
47 years$2,440$1,397$764$403$208$48
48 years$2,362$1,334$718$372$189$42
49 years$2,288$1,274$675$344$171$36
50 years$2,216$1,217$634$318$156$32

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 $3,135 every year, while hoping to spend $55,927 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: 38/48/14 Blend
34$2,270,000$2,270,000$2,270,000$2,270,000
35$2,504,774$2,384,464$2,349,279$2,589,225
36$2,700,755$2,441,797$2,368,474$2,707,141
37$2,914,851$2,500,064$2,386,437$2,828,860
38$3,148,852$2,559,254$2,403,069$2,959,189
39$3,404,727$2,619,349$2,418,264$3,098,930
40$3,684,644$2,680,332$2,431,910$3,248,967
41$3,990,990$2,742,180$2,443,892$3,410,270
42$4,326,395$2,804,871$2,454,086$3,583,912
43$4,693,753$2,868,376$2,462,364$3,771,071
44$5,096,253$2,932,663$2,468,590$3,973,049
45$5,537,406$2,997,698$2,472,622$4,191,277
46$6,021,078$3,063,442$2,474,312$4,427,333
47$6,551,528$3,129,852$2,473,502$4,682,957
48$7,133,449$3,196,879$2,470,029$4,960,066
49$7,772,005$3,264,470$2,463,719$5,260,770
50$8,472,889$3,332,569$2,454,393$5,587,400
51$9,242,369$3,401,110$2,441,861$5,942,520
52$10,087,352$3,470,026$2,425,925$6,328,960
53$11,015,444$3,539,239$2,406,375$6,749,835
54$12,035,026$3,608,669$2,382,995$7,208,584
55$13,155,329$3,678,224$2,355,556$7,708,994
56$14,386,525$3,747,809$2,323,819$8,255,241
57$15,739,817$3,817,318$2,287,534$8,851,928
58$17,227,549$3,886,637$2,246,437$9,504,129
59$18,863,322$3,955,645$2,200,255$10,217,439
60$20,662,118$4,024,209$2,148,701$10,998,023
61$22,640,445$4,092,187$2,091,474$11,852,679
62$24,816,492$4,159,426$2,028,260$12,788,903
63$27,210,298$4,225,761$1,958,730$13,814,955
64$29,843,941$4,291,016$1,882,540$14,939,943
65$32,741,749$4,355,001$1,799,331$16,173,906
66$35,930,525$4,417,515$1,708,727$17,527,914
67$39,439,804$4,478,338$1,610,335$19,014,167
68$43,302,127$4,537,240$1,503,744$20,646,118
69$47,553,350$4,593,970$1,388,525$22,438,592
70$52,232,982$4,648,265$1,264,231$24,407,938
71$57,384,555$4,699,839$1,130,392$26,572,175
72$63,056,039$4,748,390$986,519$28,951,167
73$69,300,289$4,793,596$832,102$31,566,812
74$76,175,548$4,835,111$666,606$34,443,249
75$83,745,992$4,872,570$489,476$37,607,088
76$92,082,338$4,905,581$300,128$41,087,662
77$101,262,510$4,933,728$97,957$44,917,306
78$111,372,375$4,956,570$0$49,131,662
79$122,506,551$4,973,635$0$53,787,618
80$134,769,299$4,984,423$0$58,927,646
81$148,275,511$4,988,403$0$64,584,941
82$163,151,789$4,985,010$0$70,812,234
83$179,537,640$4,973,645$0$77,667,644
84$197,586,795$4,953,670$0$85,215,225
85$217,468,659$4,924,410$0$93,525,575
86$239,369,905$4,885,149$0$102,676,506
87$263,496,240$4,835,126$0$112,753,776
88$290,074,346$4,773,536$0$123,851,904
89$319,354,015$4,699,526$0$136,075,062
90$351,610,512$4,612,189$0$149,538,062
91$387,147,166$4,510,568$0$164,367,446
92$426,298,239$4,393,648$0$180,702,676
93$469,432,076$4,260,354$0$198,697,458
94$516,954,585$4,109,548$0$218,521,196
95$569,313,063$3,940,026$0$240,360,595
96$627,000,422$3,750,515$0$264,421,423
97$690,559,842$3,539,666$0$290,930,462
98$760,589,891$3,306,056$0$320,137,652
99$837,750,183$3,048,176$0$352,318,452
100$922,767,600$2,764,434$0$387,776,447