Can I retire at age 35 with 2,310,000?

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 $2,310,000?

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$190,758$189,058$187,401$185,783$184,203$178,808
2 years$94,434$92,676$90,971$89,319$87,716$82,324
3 years$62,331$60,565$58,864$57,227$55,650$50,431
4 years$46,282$44,521$42,838$41,229$39,690$34,683
5 years$36,656$34,905$33,244$31,668$30,172$25,391
6 years$30,240$28,503$26,866$25,325$23,874$19,323
7 years$25,659$23,937$22,326$20,821$19,416$15,096
8 years$22,225$20,518$18,934$17,466$16,107$12,015
9 years$19,556$17,865$16,308$14,877$13,565$9,696
10 years$17,421$15,747$14,218$12,824$11,558$7,907
11 years$15,676$14,019$12,517$11,161$9,940$6,501
12 years$14,223$12,582$11,109$9,790$8,614$5,380
13 years$12,994$11,371$9,925$8,643$7,512$4,476
14 years$11,942$10,336$8,917$7,672$6,585$3,739
15 years$11,031$9,442$8,051$6,842$5,798$3,134
16 years$10,234$8,663$7,300$6,127$5,124$2,635
17 years$9,532$7,978$6,642$5,505$4,543$2,220
18 years$8,909$7,372$6,064$4,961$4,040$1,875
19 years$8,352$6,832$5,551$4,482$3,601$1,585
20 years$7,851$6,349$5,094$4,060$3,216$1,343
21 years$7,398$5,914$4,686$3,684$2,878$1,138
22 years$6,988$5,520$4,319$3,350$2,580$966
23 years$6,613$5,163$3,988$3,051$2,316$820
24 years$6,270$4,837$3,688$2,783$2,081$697
25 years$5,956$4,540$3,416$2,541$1,873$593
26 years$5,665$4,267$3,168$2,324$1,687$505
27 years$5,397$4,015$2,942$2,127$1,521$429
28 years$5,148$3,784$2,735$1,949$1,372$366
29 years$4,917$3,569$2,545$1,787$1,239$311
30 years$4,702$3,371$2,370$1,640$1,120$265
31 years$4,501$3,187$2,210$1,506$1,012$226
32 years$4,313$3,015$2,062$1,384$916$193
33 years$4,137$2,855$1,925$1,273$829$164
34 years$3,971$2,706$1,799$1,171$750$140
35 years$3,816$2,567$1,682$1,078$680$119
36 years$3,669$2,436$1,573$993$616$102
37 years$3,530$2,314$1,472$915$558$87
38 years$3,399$2,199$1,379$843$506$74
39 years$3,276$2,091$1,292$778$459$63
40 years$3,158$1,990$1,211$717$416$54
41 years$3,047$1,894$1,135$662$378$46
42 years$2,941$1,804$1,065$611$343$39
43 years$2,840$1,719$999$564$311$33
44 years$2,745$1,638$938$520$282$29
45 years$2,653$1,562$881$481$256$24
46 years$2,566$1,490$827$444$233$21
47 years$2,483$1,422$777$410$211$18
48 years$2,404$1,358$730$379$192$15
49 years$2,328$1,296$687$350$174$13
50 years$2,255$1,238$645$324$158$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,310,000, adding $3,704 every year, while hoping to spend $41,088 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: 76/7/17 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,549,441$2,427,011$2,391,206$2,733,215
36$2,765,766$2,502,217$2,427,594$2,930,426
37$3,002,780$2,579,731$2,463,824$3,141,107
38$3,262,549$2,659,623$2,499,847$3,370,987
39$3,547,349$2,741,964$2,535,612$3,621,969
40$3,859,687$2,826,829$2,571,063$3,896,150
41$4,202,324$2,914,293$2,606,143$4,195,837
42$4,578,303$3,004,435$2,640,791$4,523,572
43$4,990,972$3,097,335$2,674,940$4,882,156
44$5,444,023$3,193,076$2,708,522$5,274,674
45$5,941,521$3,291,744$2,741,464$5,704,524
46$6,487,942$3,393,426$2,773,690$6,175,449
47$7,088,221$3,498,212$2,805,117$6,691,573
48$7,747,791$3,606,196$2,835,660$7,257,440
49$8,472,639$3,717,473$2,865,228$7,878,054
50$9,269,360$3,832,142$2,893,726$8,558,930
51$10,145,222$3,950,304$2,921,052$9,306,143
52$11,108,229$4,072,063$2,947,101$10,126,388
53$12,167,200$4,197,526$2,971,761$11,027,039
54$13,331,853$4,326,803$2,994,914$12,016,222
55$14,612,895$4,460,009$3,016,436$13,102,891
56$16,022,120$4,597,259$3,036,197$14,296,910
57$17,572,525$4,738,674$3,054,058$15,609,150
58$19,278,430$4,884,377$3,069,877$17,051,587
59$21,155,614$5,034,495$3,083,501$18,637,418
60$23,221,459$5,189,158$3,094,772$20,381,186
61$25,495,122$5,348,501$3,103,521$22,298,913
62$27,997,709$5,512,662$3,109,573$24,408,256
63$30,752,475$5,681,782$3,112,743$26,728,670
64$33,785,045$5,856,007$3,112,838$29,281,595
65$37,123,656$6,035,488$3,109,655$32,090,653
66$40,799,421$6,220,378$3,102,980$35,181,876
67$44,846,621$6,410,836$3,092,589$38,583,949
68$49,303,035$6,607,025$3,078,249$42,328,483
69$54,210,287$6,809,112$3,059,713$46,450,310
70$59,614,247$7,017,269$3,036,723$50,987,812
71$65,565,457$7,231,673$3,009,011$55,983,287
72$72,119,614$7,452,505$2,976,293$61,483,345
73$79,338,089$7,679,952$2,938,273$67,539,348
74$87,288,510$7,914,206$2,894,642$74,207,896
75$96,045,399$8,155,463$2,845,073$81,551,360
76$105,690,874$8,403,925$2,789,228$89,638,472
77$116,315,427$8,659,801$2,726,750$98,544,972
78$128,018,773$8,923,304$2,657,269$108,354,325
79$140,910,794$9,194,652$2,580,393$119,158,507
80$155,112,575$9,474,070$2,495,717$131,058,877
81$170,757,548$9,761,789$2,402,814$144,167,126
82$187,992,748$10,058,047$2,301,238$158,606,340
83$206,980,203$10,363,086$2,190,524$174,512,158
84$227,898,463$10,677,157$2,070,186$192,034,051
85$250,944,283$11,000,514$1,939,714$211,336,735
86$276,334,482$11,333,422$1,798,577$232,601,729
87$304,307,989$11,676,149$1,646,219$256,029,061
88$335,128,097$12,028,973$1,482,060$281,839,163
89$369,084,947$12,392,177$1,305,493$310,274,951
90$406,498,270$12,766,052$1,115,885$341,604,115
91$447,720,402$13,150,897$912,576$376,121,651
92$493,139,609$13,547,017$694,873$414,152,640
93$543,183,755$13,954,727$462,058$456,055,324
94$598,324,337$14,374,347$213,375$502,224,484
95$659,080,937$14,806,208$0$553,095,166
96$726,026,127$15,250,647$0$609,156,228
97$799,790,873$15,708,010$0$670,968,474
98$881,070,491$16,178,651$0$739,075,525
99$970,631,209$16,662,933$0$814,119,140
100$1,069,317,404$17,161,229$0$896,806,527