Can I retire at age 35 with 2,280,000?

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 $2,280,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$188,280$186,603$184,967$183,370$181,810$175,151
2 years$93,208$91,472$89,790$88,159$86,576$79,941
3 years$61,521$59,778$58,100$56,484$54,928$48,525
4 years$45,681$43,943$42,282$40,694$39,175$33,054
5 years$36,180$34,452$32,812$31,257$29,780$23,957
6 years$29,847$28,133$26,517$24,996$23,564$18,043
7 years$25,326$23,626$22,036$20,551$19,164$13,943
8 years$21,936$20,252$18,688$17,239$15,898$10,974
9 years$19,302$17,633$16,096$14,684$13,389$8,753
10 years$17,195$15,542$14,033$12,658$11,408$7,054
11 years$15,472$13,836$12,354$11,016$9,811$5,729
12 years$14,038$12,419$10,964$9,663$8,502$4,682
13 years$12,825$11,223$9,796$8,531$7,414$3,844
14 years$11,787$10,201$8,802$7,573$6,499$3,170
15 years$10,887$9,319$7,947$6,753$5,722$2,621
16 years$10,101$8,550$7,205$6,047$5,057$2,174
17 years$9,408$7,874$6,556$5,433$4,484$1,806
18 years$8,793$7,276$5,985$4,896$3,987$1,504
19 years$8,243$6,744$5,479$4,424$3,554$1,253
20 years$7,749$6,266$5,028$4,007$3,174$1,046
21 years$7,302$5,837$4,625$3,637$2,841$874
22 years$6,897$5,449$4,263$3,307$2,546$731
23 years$6,527$5,096$3,936$3,011$2,286$611
24 years$6,189$4,775$3,640$2,747$2,054$512
25 years$5,878$4,481$3,371$2,508$1,849$429
26 years$5,592$4,211$3,127$2,293$1,665$359
27 years$5,327$3,963$2,903$2,099$1,501$301
28 years$5,082$3,734$2,699$1,923$1,355$252
29 years$4,854$3,523$2,512$1,764$1,223$212
30 years$4,641$3,327$2,340$1,619$1,105$178
31 years$4,443$3,145$2,181$1,487$999$149
32 years$4,257$2,976$2,035$1,366$904$125
33 years$4,083$2,818$1,900$1,256$818$105
34 years$3,920$2,671$1,775$1,156$741$88
35 years$3,766$2,534$1,660$1,064$671$74
36 years$3,621$2,405$1,553$980$608$62
37 years$3,484$2,284$1,453$903$551$52
38 years$3,355$2,171$1,361$832$499$44
39 years$3,233$2,064$1,275$767$453$37
40 years$3,117$1,964$1,195$708$411$31
41 years$3,007$1,869$1,121$653$373$26
42 years$2,903$1,780$1,051$603$338$22
43 years$2,803$1,696$986$556$307$18
44 years$2,709$1,617$926$514$279$15
45 years$2,619$1,542$869$474$253$13
46 years$2,533$1,471$817$438$230$11
47 years$2,451$1,404$767$405$209$9
48 years$2,373$1,340$721$374$189$8
49 years$2,298$1,280$678$346$172$6
50 years$2,226$1,222$637$320$156$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,280,000, adding $6,978 every year, while hoping to spend $43,758 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: 61/14/25 Blend
34$2,280,000$2,280,000$2,280,000$2,280,000
35$2,519,758$2,398,918$2,363,578$2,656,269
36$2,730,215$2,469,907$2,396,199$2,820,760
37$2,960,672$2,542,907$2,428,447$2,994,844
38$3,213,123$2,617,972$2,460,263$3,183,908
39$3,489,764$2,695,155$2,491,584$3,389,420
40$3,793,012$2,774,510$2,522,344$3,612,996
41$4,125,531$2,856,093$2,552,475$3,856,417
42$4,490,255$2,939,961$2,581,902$4,121,645
43$4,890,414$3,026,172$2,610,549$4,410,839
44$5,329,567$3,114,786$2,638,333$4,726,380
45$5,811,635$3,205,861$2,665,169$5,070,890
46$6,340,934$3,299,461$2,690,965$5,447,257
47$6,922,222$3,395,647$2,715,624$5,858,662
48$7,560,738$3,494,484$2,739,048$6,308,613
49$8,262,255$3,596,035$2,761,128$6,800,970
50$9,033,132$3,700,368$2,781,753$7,339,991
51$9,880,375$3,807,549$2,800,804$7,930,363
52$10,811,701$3,917,647$2,818,159$8,577,252
53$11,835,614$4,030,731$2,833,686$9,286,353
54$12,961,480$4,146,871$2,847,249$10,063,936
55$14,199,622$4,266,139$2,858,703$10,916,913
56$15,561,411$4,388,607$2,867,897$11,852,901
57$17,059,376$4,514,349$2,874,672$12,880,291
58$18,707,319$4,643,439$2,878,861$14,008,330
59$20,520,452$4,775,954$2,880,288$15,247,208
60$22,515,531$4,911,968$2,878,771$16,608,155
61$24,711,020$5,051,560$2,874,116$18,103,544
62$27,127,266$5,194,808$2,866,120$19,747,011
63$29,786,683$5,341,790$2,854,571$21,553,581
64$32,713,973$5,492,586$2,839,247$23,539,813
65$35,936,352$5,647,276$2,819,915$25,723,953
66$39,483,808$5,805,941$2,796,331$28,126,111
67$43,389,385$5,968,661$2,768,237$30,768,445
68$47,689,497$6,135,519$2,735,367$33,675,375
69$52,424,262$6,306,597$2,697,439$36,873,810
70$57,637,893$6,481,976$2,654,159$40,393,407
71$63,379,104$6,661,739$2,605,219$44,266,845
72$69,701,576$6,845,968$2,550,298$48,530,140
73$76,664,462$7,034,745$2,489,057$53,222,978
74$84,332,941$7,228,152$2,421,145$58,389,098
75$92,778,839$7,426,269$2,346,192$64,076,698
76$102,081,304$7,629,179$2,263,812$70,338,896
77$112,327,548$7,836,961$2,173,601$77,234,226
78$123,613,679$8,049,693$2,075,138$84,827,196
79$136,045,601$8,267,454$1,967,981$93,188,893
80$149,740,012$8,490,320$1,851,669$102,397,660
81$164,825,514$8,718,365$1,725,720$112,539,829
82$181,443,815$8,951,664$1,589,630$123,710,542
83$199,751,075$9,190,286$1,442,874$136,014,647
84$219,919,375$9,434,301$1,284,901$149,567,690
85$242,138,343$9,683,774$1,115,137$164,497,003
86$266,616,943$9,938,767$932,982$180,942,910
87$293,585,444$10,199,340$737,811$199,060,052
88$323,297,601$10,465,549$528,969$219,018,847
89$356,033,041$10,737,445$305,773$241,007,096
90$392,099,906$11,015,075$67,512$265,231,764
91$431,837,764$11,298,482$0$291,920,929
92$475,620,809$11,587,700$0$321,375,753
93$523,861,396$11,882,762$0$353,845,867
94$577,013,931$12,183,690$0$389,618,704
95$635,579,163$12,490,502$0$429,030,879
96$700,108,908$12,803,207$0$472,453,335
97$771,211,258$13,121,805$0$520,294,840
98$849,556,322$13,446,289$0$573,005,853
99$935,882,550$13,776,641$0$631,082,770
100$1,031,003,705$14,112,831$0$695,072,614