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%14.3%
1 years$190,758$189,058$187,401$185,783$184,203$180,928
2 years$94,434$92,676$90,971$89,319$87,716$84,427
3 years$62,331$60,565$58,864$57,227$55,650$52,451
4 years$46,282$44,521$42,838$41,229$39,690$36,605
5 years$36,656$34,905$33,244$31,668$30,172$27,209
6 years$30,240$28,503$26,866$25,325$23,874$21,037
7 years$25,659$23,937$22,326$20,821$19,416$16,706
8 years$22,225$20,518$18,934$17,466$16,107$13,523
9 years$19,556$17,865$16,308$14,877$13,565$11,105
10 years$17,421$15,747$14,218$12,824$11,558$9,221
11 years$15,676$14,019$12,517$11,161$9,940$7,723
12 years$14,223$12,582$11,109$9,790$8,614$6,513
13 years$12,994$11,371$9,925$8,643$7,512$5,524
14 years$11,942$10,336$8,917$7,672$6,585$4,708
15 years$11,031$9,442$8,051$6,842$5,798$4,027
16 years$10,234$8,663$7,300$6,127$5,124$3,456
17 years$9,532$7,978$6,642$5,505$4,543$2,974
18 years$8,909$7,372$6,064$4,961$4,040$2,565
19 years$8,352$6,832$5,551$4,482$3,601$2,216
20 years$7,851$6,349$5,094$4,060$3,216$1,919
21 years$7,398$5,914$4,686$3,684$2,878$1,663
22 years$6,988$5,520$4,319$3,350$2,580$1,443
23 years$6,613$5,163$3,988$3,051$2,316$1,254
24 years$6,270$4,837$3,688$2,783$2,081$1,091
25 years$5,956$4,540$3,416$2,541$1,873$949
26 years$5,665$4,267$3,168$2,324$1,687$827
27 years$5,397$4,015$2,942$2,127$1,521$720
28 years$5,148$3,784$2,735$1,949$1,372$628
29 years$4,917$3,569$2,545$1,787$1,239$548
30 years$4,702$3,371$2,370$1,640$1,120$478
31 years$4,501$3,187$2,210$1,506$1,012$417
32 years$4,313$3,015$2,062$1,384$916$364
33 years$4,137$2,855$1,925$1,273$829$318
34 years$3,971$2,706$1,799$1,171$750$278
35 years$3,816$2,567$1,682$1,078$680$243
36 years$3,669$2,436$1,573$993$616$212
37 years$3,530$2,314$1,472$915$558$185
38 years$3,399$2,199$1,379$843$506$162
39 years$3,276$2,091$1,292$778$459$142
40 years$3,158$1,990$1,211$717$416$124
41 years$3,047$1,894$1,135$662$378$108
42 years$2,941$1,804$1,065$611$343$95
43 years$2,840$1,719$999$564$311$83
44 years$2,745$1,638$938$520$282$72
45 years$2,653$1,562$881$481$256$63
46 years$2,566$1,490$827$444$233$55
47 years$2,483$1,422$777$410$211$48
48 years$2,404$1,358$730$379$192$42
49 years$2,328$1,296$687$350$174$37
50 years$2,255$1,238$645$324$158$32

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 $6,246 every year, while hoping to spend $24,025 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: 85/8/7 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,552,063$2,429,633$2,393,828$2,766,994
36$2,786,811$2,523,122$2,448,459$3,001,656
37$3,044,698$2,620,388$2,504,114$3,255,483
38$3,328,059$2,721,588$2,560,804$3,533,578
39$3,639,466$2,826,891$2,618,536$3,838,366
40$3,981,753$2,936,470$2,677,318$4,172,517
41$4,358,041$3,050,507$2,737,158$4,538,970
42$4,771,771$3,169,191$2,798,062$4,940,965
43$5,226,731$3,292,721$2,860,037$5,382,066
44$5,727,097$3,421,304$2,923,087$5,866,204
45$6,277,468$3,555,155$2,987,218$6,397,704
46$6,882,912$3,694,500$3,052,432$6,981,335
47$7,549,014$3,839,575$3,118,733$7,622,346
48$8,281,925$3,990,627$3,186,123$8,326,521
49$9,088,425$4,147,911$3,254,602$9,100,231
50$9,975,983$4,311,697$3,324,170$9,950,497
51$10,952,829$4,482,266$3,394,825$10,885,050
52$12,028,032$4,659,911$3,466,565$11,912,409
53$13,211,582$4,844,937$3,539,386$13,041,959
54$14,514,490$5,037,666$3,613,283$14,284,039
55$15,948,887$5,238,431$3,688,247$15,650,042
56$17,528,142$5,447,582$3,764,271$17,152,516
57$19,266,983$5,665,485$3,841,345$18,805,290
58$21,181,641$5,892,520$3,919,456$20,623,598
59$23,290,002$6,129,086$3,998,591$22,624,226
60$25,611,772$6,375,601$4,078,734$24,825,666
61$28,168,668$6,632,501$4,159,867$27,248,296
62$30,984,618$6,900,240$4,241,969$29,914,568
63$34,085,993$7,179,295$4,325,018$32,849,219
64$37,501,846$7,470,163$4,408,988$36,079,507
65$41,264,199$7,773,365$4,493,853$39,635,465
66$45,408,331$8,089,444$4,579,582$43,550,186
67$49,973,124$8,418,970$4,666,141$47,860,133
68$55,001,420$8,762,536$4,753,493$52,605,484
69$60,540,429$9,120,765$4,841,600$57,830,513
70$66,642,176$9,494,306$4,930,417$63,584,001
71$73,363,991$9,883,839$5,019,898$69,919,703
72$80,769,046$10,290,075$5,109,993$76,896,849
73$88,926,957$10,713,758$5,200,647$84,580,707
74$97,914,439$11,155,664$5,291,801$93,043,196
75$107,816,028$11,616,608$5,383,392$102,363,566
76$118,724,879$12,097,438$5,475,352$112,629,142
77$130,743,649$12,599,045$5,567,609$123,936,152
78$143,985,462$13,122,359$5,660,084$136,390,632
79$158,574,977$13,668,352$5,752,695$150,109,426
80$174,649,568$14,238,045$5,845,353$165,221,291
81$192,360,615$14,832,500$5,937,964$181,868,108
82$211,874,938$15,452,832$6,030,426$200,206,224
83$233,376,368$16,100,208$6,122,631$220,407,924
84$257,067,485$16,775,845$6,214,467$242,663,058
85$283,171,527$17,481,021$6,305,811$267,180,833
86$311,934,502$18,217,070$6,396,534$294,191,786
87$343,627,504$18,985,388$6,486,501$323,949,960
88$378,549,275$19,787,439$6,575,565$356,735,299
89$417,029,028$20,624,750$6,663,573$392,856,293
90$459,429,550$21,498,924$6,750,363$432,652,888
91$506,150,626$22,411,633$6,835,763$476,499,693
92$557,632,820$23,364,633$6,919,590$524,809,516
93$614,361,624$24,359,756$7,001,653$578,037,259
94$676,872,049$25,398,924$7,081,748$636,684,214
95$745,753,672$26,484,145$7,159,661$701,302,791
96$821,656,202$27,617,523$7,235,164$772,501,733
97$905,295,613$28,801,260$7,308,021$850,951,860
98$997,460,904$30,037,661$7,377,978$937,392,405
99$1,099,021,546$31,329,136$7,444,771$1,032,637,983
100$1,210,935,692$32,678,213$7,508,119$1,137,586,290