Can I retire at age 35 with 2,290,000?

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 $2,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$189,106$187,422$185,778$184,174$182,608$176,762
2 years$93,617$91,873$90,184$88,545$86,956$81,121
3 years$61,791$60,040$58,355$56,732$55,169$49,527
4 years$45,882$44,136$42,467$40,872$39,347$33,941
5 years$36,338$34,603$32,956$31,394$29,911$24,756
6 years$29,978$28,256$26,634$25,106$23,667$18,768
7 years$25,437$23,729$22,133$20,641$19,248$14,604
8 years$22,033$20,340$18,770$17,315$15,968$11,575
9 years$19,386$17,710$16,167$14,749$13,447$9,301
10 years$17,270$15,611$14,095$12,713$11,458$7,552
11 years$15,540$13,897$12,409$11,065$9,854$6,181
12 years$14,100$12,473$11,012$9,705$8,539$5,092
13 years$12,882$11,272$9,839$8,568$7,446$4,216
14 years$11,838$10,246$8,840$7,606$6,528$3,505
15 years$10,935$9,360$7,982$6,783$5,747$2,924
16 years$10,146$8,588$7,236$6,073$5,080$2,445
17 years$9,450$7,909$6,585$5,457$4,504$2,050
18 years$8,832$7,308$6,011$4,918$4,005$1,722
19 years$8,279$6,773$5,503$4,444$3,569$1,449
20 years$7,783$6,294$5,050$4,025$3,188$1,220
21 years$7,334$5,863$4,645$3,653$2,853$1,029
22 years$6,927$5,472$4,281$3,321$2,557$868
23 years$6,556$5,118$3,953$3,025$2,296$733
24 years$6,216$4,796$3,656$2,759$2,063$620
25 years$5,904$4,500$3,386$2,519$1,857$524
26 years$5,616$4,230$3,140$2,303$1,673$444
27 years$5,350$3,981$2,916$2,108$1,508$375
28 years$5,104$3,751$2,711$1,932$1,361$318
29 years$4,875$3,539$2,523$1,771$1,229$269
30 years$4,661$3,342$2,350$1,626$1,110$228
31 years$4,462$3,159$2,191$1,493$1,004$193
32 years$4,276$2,989$2,044$1,372$908$164
33 years$4,101$2,831$1,908$1,262$822$139
34 years$3,937$2,683$1,783$1,161$744$118
35 years$3,783$2,545$1,667$1,069$674$100
36 years$3,637$2,415$1,560$984$610$85
37 years$3,500$2,294$1,460$907$553$72
38 years$3,370$2,180$1,367$836$502$61
39 years$3,247$2,073$1,281$771$455$52
40 years$3,131$1,972$1,200$711$413$44
41 years$3,020$1,877$1,126$656$374$37
42 years$2,916$1,788$1,056$605$340$31
43 years$2,816$1,704$991$559$308$27
44 years$2,721$1,624$930$516$280$23
45 years$2,630$1,549$873$477$254$19
46 years$2,544$1,477$820$440$231$16
47 years$2,462$1,410$771$407$209$14
48 years$2,383$1,346$724$376$190$12
49 years$2,308$1,285$681$347$173$10
50 years$2,236$1,228$640$321$157$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,290,000, adding $2,607 every year, while hoping to spend $48,578 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: 74/7/19 Blend
34$2,290,000$2,290,000$2,290,000$2,290,000
35$2,526,269$2,404,899$2,369,404$2,701,752
36$2,732,262$2,471,053$2,397,093$2,884,667
37$2,957,638$2,538,819$2,424,080$3,078,871
38$3,204,323$2,608,227$2,450,293$3,290,425
39$3,474,437$2,679,304$2,475,651$3,521,044
40$3,770,317$2,752,077$2,500,072$3,772,619
41$4,094,532$2,826,572$2,523,468$4,047,232
42$4,449,917$2,902,816$2,545,747$4,347,177
43$4,839,589$2,980,835$2,566,810$4,674,979
44$5,266,986$3,060,654$2,586,557$5,033,423
45$5,735,890$3,142,298$2,604,878$5,425,576
46$6,250,470$3,225,790$2,621,660$5,854,816
47$6,815,317$3,311,153$2,636,785$6,324,865
48$7,435,488$3,398,408$2,650,127$6,839,824
49$8,116,555$3,487,577$2,661,553$7,404,213
50$8,864,654$3,578,679$2,670,925$8,023,011
51$9,686,546$3,671,731$2,678,098$8,701,702
52$10,589,677$3,766,750$2,682,918$9,446,333
53$11,582,255$3,863,750$2,685,226$10,263,564
54$12,673,316$3,962,746$2,684,853$11,160,734
55$13,872,821$4,063,747$2,681,622$12,145,931
56$15,191,740$4,166,762$2,675,347$13,228,065
57$16,642,161$4,271,797$2,665,835$14,416,958
58$18,237,402$4,378,856$2,652,882$15,723,430
59$19,992,137$4,487,940$2,636,273$17,159,404
60$21,922,533$4,599,046$2,615,786$18,738,022
61$24,046,401$4,712,169$2,591,184$20,473,762
62$26,383,369$4,827,300$2,562,224$22,382,581
63$28,955,061$4,944,426$2,528,647$24,482,063
64$31,785,304$5,063,530$2,490,183$26,791,583
65$34,900,351$5,184,590$2,446,551$29,332,494
66$38,329,132$5,307,579$2,397,455$32,128,328
67$42,103,519$5,432,467$2,342,586$35,205,014
68$46,258,636$5,559,216$2,281,621$38,591,127
69$50,833,183$5,687,783$2,214,220$42,318,159
70$55,869,802$5,818,119$2,140,032$46,420,810
71$61,415,483$5,950,168$2,058,684$50,937,323
72$67,522,003$6,083,867$1,969,790$55,909,841
73$74,246,416$6,219,144$1,872,946$61,384,805
74$81,651,589$6,355,921$1,767,729$67,413,396
75$89,806,799$6,494,110$1,653,696$74,052,013
76$98,788,383$6,633,611$1,530,385$81,362,810
77$108,680,459$6,774,320$1,397,315$89,414,283
78$119,575,721$6,916,116$1,253,979$98,281,912
79$131,576,309$7,058,871$1,099,852$108,048,880
80$144,794,780$7,202,442$934,384$118,806,855
81$159,355,161$7,346,676$757,000$130,656,857
82$175,394,128$7,491,403$567,100$143,710,212
83$193,062,289$7,636,441$364,057$158,089,602
84$212,525,607$7,781,592$147,219$173,930,224
85$233,966,970$7,926,641$0$191,381,070
86$257,587,910$8,071,355$0$210,623,397
87$283,610,509$8,215,484$0$231,854,037
88$312,279,496$8,358,758$0$255,242,663
89$343,864,551$8,500,884$0$281,009,173
90$378,662,858$8,641,549$0$309,395,889
91$417,001,901$8,780,417$0$340,669,844
92$459,242,564$8,917,126$0$375,125,302
93$505,782,527$9,051,287$0$413,086,536
94$557,060,029$9,182,485$0$454,910,888
95$613,557,999$9,310,273$0$500,992,142
96$675,808,614$9,434,175$0$551,764,244
97$744,398,323$9,553,681$0$607,705,393
98$819,973,386$9,668,245$0$669,342,559
99$903,245,968$9,777,286$0$737,256,454
100$995,000,866$9,880,182$0$812,087,017