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

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 $2,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$190,758$189,058$187,401$185,783$184,203$180,116
2 years$94,434$92,676$90,971$89,319$87,716$83,619
3 years$62,331$60,565$58,864$57,227$55,650$51,672
4 years$46,282$44,521$42,838$41,229$39,690$35,862
5 years$36,656$34,905$33,244$31,668$30,172$26,503
6 years$30,240$28,503$26,866$25,325$23,874$20,369
7 years$25,659$23,937$22,326$20,821$19,416$16,076
8 years$22,225$20,518$18,934$17,466$16,107$12,930
9 years$19,556$17,865$16,308$14,877$13,565$10,549
10 years$17,421$15,747$14,218$12,824$11,558$8,699
11 years$15,676$14,019$12,517$11,161$9,940$7,236
12 years$14,223$12,582$11,109$9,790$8,614$6,059
13 years$12,994$11,371$9,925$8,643$7,512$5,102
14 years$11,942$10,336$8,917$7,672$6,585$4,315
15 years$11,031$9,442$8,051$6,842$5,798$3,663
16 years$10,234$8,663$7,300$6,127$5,124$3,119
17 years$9,532$7,978$6,642$5,505$4,543$2,663
18 years$8,909$7,372$6,064$4,961$4,040$2,279
19 years$8,352$6,832$5,551$4,482$3,601$1,953
20 years$7,851$6,349$5,094$4,060$3,216$1,677
21 years$7,398$5,914$4,686$3,684$2,878$1,441
22 years$6,988$5,520$4,319$3,350$2,580$1,240
23 years$6,613$5,163$3,988$3,051$2,316$1,068
24 years$6,270$4,837$3,688$2,783$2,081$921
25 years$5,956$4,540$3,416$2,541$1,873$795
26 years$5,665$4,267$3,168$2,324$1,687$686
27 years$5,397$4,015$2,942$2,127$1,521$593
28 years$5,148$3,784$2,735$1,949$1,372$512
29 years$4,917$3,569$2,545$1,787$1,239$443
30 years$4,702$3,371$2,370$1,640$1,120$383
31 years$4,501$3,187$2,210$1,506$1,012$331
32 years$4,313$3,015$2,062$1,384$916$286
33 years$4,137$2,855$1,925$1,273$829$248
34 years$3,971$2,706$1,799$1,171$750$214
35 years$3,816$2,567$1,682$1,078$680$186
36 years$3,669$2,436$1,573$993$616$161
37 years$3,530$2,314$1,472$915$558$139
38 years$3,399$2,199$1,379$843$506$121
39 years$3,276$2,091$1,292$778$459$104
40 years$3,158$1,990$1,211$717$416$90
41 years$3,047$1,894$1,135$662$378$78
42 years$2,941$1,804$1,065$611$343$68
43 years$2,840$1,719$999$564$311$59
44 years$2,745$1,638$938$520$282$51
45 years$2,653$1,562$881$481$256$44
46 years$2,566$1,490$827$444$233$38
47 years$2,483$1,422$777$410$211$33
48 years$2,404$1,358$730$379$192$29
49 years$2,328$1,296$687$350$174$25
50 years$2,255$1,238$645$324$158$22

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 $6,294 every year, while hoping to spend $58,684 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: 71/17/12 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,552,112$2,429,682$2,393,877$2,726,447
36$2,749,988$2,486,297$2,411,633$2,899,411
37$2,966,081$2,543,720$2,428,016$3,080,925
38$3,202,186$2,601,927$2,442,920$3,278,059
39$3,460,282$2,660,894$2,456,230$3,492,342
40$3,742,544$2,720,591$2,467,828$3,725,457
41$4,051,371$2,780,987$2,477,587$3,979,258
42$4,389,401$2,842,046$2,485,376$4,255,789
43$4,759,541$2,903,728$2,491,058$4,557,299
44$5,164,992$2,965,988$2,494,486$4,886,267
45$5,609,278$3,028,778$2,495,508$5,245,423
46$6,096,281$3,092,045$2,493,964$5,637,775
47$6,630,276$3,155,730$2,489,686$6,066,638
48$7,215,972$3,219,769$2,482,499$6,535,662
49$7,858,556$3,284,092$2,472,217$7,048,869
50$8,563,740$3,348,623$2,458,648$7,610,694
51$9,337,816$3,413,281$2,441,587$8,226,018
52$10,187,716$3,477,974$2,420,823$8,900,224
53$11,121,076$3,542,607$2,396,133$9,639,241
54$12,146,305$3,607,075$2,367,284$10,449,603
55$13,272,671$3,671,265$2,334,030$11,338,508
56$14,510,381$3,735,054$2,296,117$12,313,891
57$15,870,680$3,798,311$2,253,277$13,384,494
58$17,365,957$3,860,896$2,205,230$14,559,950
59$19,009,860$3,922,656$2,151,681$15,850,875
60$20,817,428$3,983,429$2,092,325$17,268,969
61$22,805,228$4,043,039$2,026,840$18,827,123
62$24,991,513$4,101,299$1,954,890$20,539,545
63$27,396,393$4,158,009$1,876,125$22,421,889
64$30,042,028$4,212,953$1,790,177$24,491,411
65$32,952,829$4,265,903$1,696,663$26,767,122
66$36,155,698$4,316,613$1,595,182$29,269,978
67$39,680,273$4,364,820$1,485,314$32,023,069
68$43,559,209$4,410,245$1,366,621$35,051,843
69$47,828,491$4,452,590$1,238,645$38,384,345
70$52,527,767$4,491,536$1,100,909$42,051,479
71$57,700,723$4,526,745$952,913$46,087,306
72$63,395,497$4,557,856$794,136$50,529,361
73$69,665,130$4,584,484$624,033$55,419,010
74$76,568,070$4,606,220$442,034$60,801,838
75$84,168,719$4,622,630$247,548$66,728,086
76$92,538,041$4,633,252$39,953$73,253,117
77$101,754,233$4,637,593$0$80,437,949
78$111,903,462$4,635,132$0$88,373,074
79$123,080,677$4,625,316$0$97,116,316
80$135,390,504$4,607,554$0$106,744,311
81$148,948,235$4,581,224$0$117,347,153
82$163,880,914$4,545,662$0$129,024,126
83$180,328,534$4,500,167$0$141,884,638
84$198,445,362$4,443,993$0$156,049,258
85$218,401,391$4,376,351$0$171,650,849
86$240,383,946$4,296,404$0$188,835,830
87$264,599,447$4,203,267$0$207,765,549
88$291,275,364$4,096,001$0$228,617,816
89$320,662,358$3,973,612$0$251,588,575
90$353,036,649$3,835,048$0$276,893,758
91$388,702,618$3,679,197$0$304,771,321
92$427,995,688$3,504,881$0$335,483,494
93$471,285,482$3,310,853$0$369,319,255
94$518,979,312$3,095,796$0$406,597,058
95$571,526,029$2,858,317$0$447,667,844
96$629,420,252$2,596,943$0$492,918,350
97$693,207,040$2,310,116$0$542,774,763
98$763,487,038$1,996,191$0$597,706,744
99$840,922,141$1,653,429$0$658,231,865
100$926,241,746$1,279,994$0$724,920,491