Can I retire at age 35 with 2,300,000?

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 $2,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$189,932$188,240$186,589$184,978$183,405$178,034
2 years$94,026$92,275$90,577$88,932$87,336$81,968
3 years$62,061$60,302$58,610$56,980$55,409$50,213
4 years$46,082$44,329$42,653$41,051$39,518$34,533
5 years$36,497$34,754$33,100$31,531$30,041$25,281
6 years$30,109$28,379$26,750$25,215$23,771$19,240
7 years$25,548$23,833$22,229$20,731$19,332$15,030
8 years$22,129$20,429$18,852$17,391$16,038$11,963
9 years$19,471$17,787$16,237$14,813$13,506$9,654
10 years$17,346$15,679$14,156$12,769$11,508$7,873
11 years$15,608$13,958$12,463$11,113$9,897$6,473
12 years$14,161$12,528$11,060$9,747$8,577$5,357
13 years$12,938$11,321$9,882$8,606$7,479$4,456
14 years$11,890$10,291$8,879$7,639$6,556$3,723
15 years$10,983$9,401$8,016$6,813$5,772$3,121
16 years$10,190$8,625$7,268$6,100$5,102$2,624
17 years$9,491$7,943$6,614$5,481$4,524$2,211
18 years$8,870$7,340$6,037$4,939$4,022$1,867
19 years$8,316$6,803$5,527$4,463$3,585$1,578
20 years$7,817$6,321$5,072$4,042$3,202$1,337
21 years$7,366$5,888$4,666$3,669$2,866$1,133
22 years$6,957$5,496$4,300$3,336$2,569$962
23 years$6,585$5,141$3,970$3,038$2,306$817
24 years$6,243$4,816$3,672$2,771$2,072$694
25 years$5,930$4,520$3,401$2,530$1,865$590
26 years$5,641$4,248$3,154$2,314$1,680$502
27 years$5,374$3,998$2,929$2,118$1,514$428
28 years$5,126$3,767$2,723$1,940$1,367$364
29 years$4,896$3,554$2,534$1,779$1,234$310
30 years$4,682$3,356$2,360$1,633$1,115$264
31 years$4,482$3,173$2,200$1,500$1,008$225
32 years$4,294$3,002$2,053$1,378$912$192
33 years$4,119$2,843$1,917$1,267$825$164
34 years$3,954$2,695$1,791$1,166$747$139
35 years$3,799$2,556$1,674$1,073$677$119
36 years$3,653$2,426$1,566$989$613$101
37 years$3,515$2,304$1,466$911$556$86
38 years$3,385$2,190$1,373$840$504$74
39 years$3,261$2,082$1,286$774$457$63
40 years$3,144$1,981$1,206$714$414$54
41 years$3,034$1,886$1,131$659$376$46
42 years$2,928$1,796$1,060$608$341$39
43 years$2,828$1,711$995$561$310$33
44 years$2,733$1,631$934$518$281$28
45 years$2,642$1,555$877$479$255$24
46 years$2,555$1,484$824$442$232$21
47 years$2,473$1,416$774$408$210$18
48 years$2,393$1,352$727$377$191$15
49 years$2,318$1,291$684$349$173$13
50 years$2,246$1,233$643$322$158$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,300,000, adding $5,361 every year, while hoping to spend $54,390 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: 59/16/25 Blend
34$2,300,000$2,300,000$2,300,000$2,300,000
35$2,540,130$2,418,230$2,382,580$2,672,594
36$2,741,353$2,478,853$2,404,526$2,824,114
37$2,961,277$2,540,623$2,425,384$2,983,000
38$3,201,754$2,603,540$2,445,060$3,155,141
39$3,464,819$2,667,600$2,463,457$3,341,834
40$3,752,717$2,732,798$2,480,468$3,544,510
41$4,067,916$2,799,127$2,495,986$3,764,746
42$4,413,137$2,866,578$2,509,895$4,004,279
43$4,791,375$2,935,138$2,522,075$4,265,024
44$5,205,928$3,004,793$2,532,397$4,549,089
45$5,660,429$3,075,524$2,540,729$4,858,799
46$6,158,879$3,147,312$2,546,930$5,196,717
47$6,705,686$3,220,131$2,550,853$5,565,665
48$7,305,703$3,293,955$2,552,344$5,968,756
49$7,964,277$3,368,750$2,551,239$6,409,418
50$8,687,297$3,444,483$2,547,370$6,891,430
51$9,481,251$3,521,113$2,540,557$7,418,960
52$10,353,286$3,598,594$2,530,612$7,996,596
53$11,311,274$3,676,878$2,517,341$8,629,400
54$12,363,889$3,755,910$2,500,536$9,322,947
55$13,520,684$3,835,628$2,479,983$10,083,385
56$14,792,186$3,915,967$2,455,455$10,917,488
57$16,189,992$3,996,852$2,426,716$11,832,723
58$17,726,878$4,078,204$2,393,517$12,837,319
59$19,416,919$4,159,936$2,355,600$13,940,347
60$21,275,625$4,241,953$2,312,693$15,151,804
61$23,320,081$4,324,151$2,264,510$16,482,709
62$25,569,114$4,406,419$2,210,756$17,945,206
63$28,043,465$4,488,635$2,151,118$19,552,681
64$30,765,988$4,570,668$2,085,270$21,319,889
65$33,761,865$4,652,376$2,012,872$23,263,088
66$37,058,840$4,733,608$1,933,568$25,400,201
67$40,687,484$4,814,197$1,846,985$27,750,981
68$44,681,482$4,893,967$1,752,734$30,337,200
69$49,077,951$4,972,729$1,650,407$33,182,852
70$53,917,785$5,050,276$1,539,580$36,314,384
71$59,246,051$5,126,391$1,419,807$39,760,944
72$65,112,402$5,200,838$1,290,625$43,554,658
73$71,571,553$5,273,366$1,151,547$47,730,933
74$78,683,795$5,343,704$1,002,068$52,328,793
75$86,515,562$5,411,565$841,657$57,391,248
76$95,140,059$5,476,641$669,761$62,965,699
77$104,637,951$5,538,603$485,805$69,104,390
78$115,098,128$5,597,100$289,184$75,864,900
79$126,618,535$5,651,757$79,271$83,310,688
80$139,307,108$5,702,174$0$91,511,694
81$153,282,779$5,747,927$0$100,583,609
82$168,676,608$5,788,562$0$110,597,850
83$185,633,016$5,823,595$0$121,627,065
84$204,311,147$5,852,514$0$133,774,641
85$224,886,369$5,874,773$0$147,154,505
86$247,551,932$5,889,790$0$161,892,205
87$272,520,787$5,896,948$0$178,126,092
88$300,027,600$5,895,591$0$196,008,631
89$330,330,964$5,885,023$0$215,707,834
90$363,715,838$5,864,505$0$237,408,851
91$400,496,239$5,833,251$0$261,315,716
92$441,018,205$5,790,430$0$287,653,274
93$485,663,058$5,735,158$0$316,669,304
94$534,851,009$5,666,499$0$348,636,859
95$589,045,115$5,583,461$0$383,856,841
96$648,755,658$5,484,992$0$422,660,847
97$714,544,956$5,369,978$0$465,414,297
98$787,032,674$5,237,239$0$512,519,882
99$866,901,670$5,085,526$0$564,421,373
100$954,904,440$4,913,517$0$621,607,803