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

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 $2,290,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$189,106$187,422$185,778$184,174$182,608$176,199
2 years$93,617$91,873$90,184$88,545$86,956$80,566
3 years$61,791$60,040$58,355$56,732$55,169$48,999
4 years$45,882$44,136$42,467$40,872$39,347$33,444
5 years$36,338$34,603$32,956$31,394$29,911$24,291
6 years$29,978$28,256$26,634$25,106$23,667$18,335
7 years$25,437$23,729$22,133$20,641$19,248$14,201
8 years$22,033$20,340$18,770$17,315$15,968$11,203
9 years$19,386$17,710$16,167$14,749$13,447$8,959
10 years$17,270$15,611$14,095$12,713$11,458$7,237
11 years$15,540$13,897$12,409$11,065$9,854$5,893
12 years$14,100$12,473$11,012$9,705$8,539$4,829
13 years$12,882$11,272$9,839$8,568$7,446$3,976
14 years$11,838$10,246$8,840$7,606$6,528$3,287
15 years$10,935$9,360$7,982$6,783$5,747$2,727
16 years$10,146$8,588$7,236$6,073$5,080$2,267
17 years$9,450$7,909$6,585$5,457$4,504$1,890
18 years$8,832$7,308$6,011$4,918$4,005$1,578
19 years$8,279$6,773$5,503$4,444$3,569$1,319
20 years$7,783$6,294$5,050$4,025$3,188$1,104
21 years$7,334$5,863$4,645$3,653$2,853$926
22 years$6,927$5,472$4,281$3,321$2,557$776
23 years$6,556$5,118$3,953$3,025$2,296$652
24 years$6,216$4,796$3,656$2,759$2,063$547
25 years$5,904$4,500$3,386$2,519$1,857$460
26 years$5,616$4,230$3,140$2,303$1,673$387
27 years$5,350$3,981$2,916$2,108$1,508$325
28 years$5,104$3,751$2,711$1,932$1,361$273
29 years$4,875$3,539$2,523$1,771$1,229$230
30 years$4,661$3,342$2,350$1,626$1,110$194
31 years$4,462$3,159$2,191$1,493$1,004$163
32 years$4,276$2,989$2,044$1,372$908$137
33 years$4,101$2,831$1,908$1,262$822$115
34 years$3,937$2,683$1,783$1,161$744$97
35 years$3,783$2,545$1,667$1,069$674$82
36 years$3,637$2,415$1,560$984$610$69
37 years$3,500$2,294$1,460$907$553$58
38 years$3,370$2,180$1,367$836$502$49
39 years$3,247$2,073$1,281$771$455$41
40 years$3,131$1,972$1,200$711$413$35
41 years$3,020$1,877$1,126$656$374$29
42 years$2,916$1,788$1,056$605$340$25
43 years$2,816$1,704$991$559$308$21
44 years$2,721$1,624$930$516$280$17
45 years$2,630$1,549$873$477$254$15
46 years$2,544$1,477$820$440$231$12
47 years$2,462$1,410$771$407$209$10
48 years$2,383$1,346$724$376$190$9
49 years$2,308$1,285$681$347$173$7
50 years$2,236$1,228$640$321$157$6

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 $3,846 every year, while hoping to spend $41,149 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: 23/50/27 Blend
34$2,290,000$2,290,000$2,290,000$2,290,000
35$2,527,547$2,406,177$2,370,682$2,563,973
36$2,741,575$2,480,298$2,406,318$2,669,762
37$2,976,054$2,556,671$2,441,768$2,779,222
38$3,233,028$2,635,364$2,476,983$2,895,537
39$3,514,745$2,716,445$2,511,911$3,019,298
40$3,823,684$2,799,986$2,546,495$3,151,156
41$4,162,574$2,886,059$2,580,676$3,291,823
42$4,534,419$2,974,739$2,614,392$3,442,084
43$4,942,532$3,066,104$2,647,577$3,602,800
44$5,390,559$3,160,231$2,680,159$3,774,916
45$5,882,517$3,257,204$2,712,065$3,959,474
46$6,422,832$3,357,104$2,743,217$4,157,617
47$7,016,378$3,460,020$2,773,532$4,370,602
48$7,668,526$3,566,038$2,802,923$4,599,814
49$8,385,192$3,675,250$2,831,297$4,846,774
50$9,172,894$3,787,750$2,858,558$5,113,156
51$10,038,812$3,903,633$2,884,603$5,400,801
52$10,990,858$4,022,999$2,909,325$5,711,738
53$12,037,748$4,145,948$2,932,609$6,048,196
54$13,189,084$4,272,584$2,954,337$6,412,630
55$14,455,446$4,403,016$2,974,383$6,807,745
56$15,848,490$4,537,353$2,992,614$7,236,515
57$17,381,061$4,675,708$3,008,891$7,702,216
58$19,067,308$4,818,197$3,023,068$8,208,454
59$20,922,825$4,964,940$3,034,992$8,759,203
60$22,964,789$5,116,059$3,044,500$9,358,835
61$25,212,131$5,271,679$3,051,424$10,012,166
62$27,685,707$5,431,930$3,055,586$10,724,502
63$30,408,499$5,596,944$3,056,798$11,501,685
64$33,405,830$5,766,858$3,054,864$12,350,151
65$36,705,601$5,941,811$3,049,579$13,276,986
66$40,338,559$6,121,946$3,040,726$14,290,000
67$44,338,582$6,307,411$3,028,081$15,397,793
68$48,743,000$6,498,357$3,011,404$16,609,840
69$53,592,948$6,694,939$2,990,448$17,936,579
70$58,933,753$6,897,315$2,964,952$19,389,510
71$64,815,362$7,105,649$2,934,644$20,981,302
72$71,292,810$7,320,108$2,899,236$22,725,912
73$78,426,747$7,540,863$2,858,431$24,638,719
74$86,284,000$7,768,090$2,811,913$26,736,666
75$94,938,211$8,001,970$2,759,355$29,038,422
76$104,470,529$8,242,687$2,700,414$31,564,556
77$114,970,375$8,490,430$2,634,730$34,337,732
78$126,536,287$8,745,395$2,561,927$37,382,922
79$139,276,848$9,007,779$2,481,611$40,727,642
80$153,311,713$9,277,787$2,393,372$44,402,213
81$168,772,736$9,555,626$2,296,778$48,440,045
82$185,805,215$9,841,512$2,191,380$52,877,951
83$204,569,263$10,135,662$2,076,707$57,756,496
84$225,241,319$10,438,301$1,952,268$63,120,384
85$248,015,814$10,749,658$1,817,549$69,018,869
86$273,107,003$11,069,967$1,672,014$75,506,233
87$300,750,991$11,399,470$1,515,100$82,642,287
88$331,207,959$11,738,411$1,346,223$90,492,943
89$364,764,620$12,087,041$1,164,770$99,130,831
90$401,736,923$12,445,618$970,102$108,635,991
91$442,473,040$12,814,404$761,551$119,096,620
92$487,356,648$13,193,668$538,421$130,609,912
93$536,810,552$13,583,684$299,983$143,282,974
94$591,300,675$13,984,731$45,480$157,233,832
95$651,340,457$14,397,096$0$172,592,553
96$717,495,701$14,821,071$0$189,567,611
97$790,389,913$15,256,954$0$208,270,030
98$870,710,188$15,705,049$0$228,861,003
99$959,213,698$16,165,667$0$251,532,602
100$1,056,734,835$16,639,124$0$276,496,476