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%11.9%
1 years$190,758$189,058$187,401$185,783$184,203$182,736
2 years$94,434$92,676$90,971$89,319$87,716$86,237
3 years$62,331$60,565$58,864$57,227$55,650$54,206
4 years$46,282$44,521$42,838$41,229$39,690$38,291
5 years$36,656$34,905$33,244$31,668$30,172$28,822
6 years$30,240$28,503$26,866$25,325$23,874$22,575
7 years$25,659$23,937$22,326$20,821$19,416$18,168
8 years$22,225$20,518$18,934$17,466$16,107$14,911
9 years$19,556$17,865$16,308$14,877$13,565$12,420
10 years$17,421$15,747$14,218$12,824$11,558$10,463
11 years$15,676$14,019$12,517$11,161$9,940$8,896
12 years$14,223$12,582$11,109$9,790$8,614$7,618
13 years$12,994$11,371$9,925$8,643$7,512$6,563
14 years$11,942$10,336$8,917$7,672$6,585$5,683
15 years$11,031$9,442$8,051$6,842$5,798$4,941
16 years$10,234$8,663$7,300$6,127$5,124$4,312
17 years$9,532$7,978$6,642$5,505$4,543$3,774
18 years$8,909$7,372$6,064$4,961$4,040$3,311
19 years$8,352$6,832$5,551$4,482$3,601$2,912
20 years$7,851$6,349$5,094$4,060$3,216$2,566
21 years$7,398$5,914$4,686$3,684$2,878$2,264
22 years$6,988$5,520$4,319$3,350$2,580$2,001
23 years$6,613$5,163$3,988$3,051$2,316$1,771
24 years$6,270$4,837$3,688$2,783$2,081$1,569
25 years$5,956$4,540$3,416$2,541$1,873$1,392
26 years$5,665$4,267$3,168$2,324$1,687$1,235
27 years$5,397$4,015$2,942$2,127$1,521$1,097
28 years$5,148$3,784$2,735$1,949$1,372$975
29 years$4,917$3,569$2,545$1,787$1,239$868
30 years$4,702$3,371$2,370$1,640$1,120$772
31 years$4,501$3,187$2,210$1,506$1,012$687
32 years$4,313$3,015$2,062$1,384$916$612
33 years$4,137$2,855$1,925$1,273$829$545
34 years$3,971$2,706$1,799$1,171$750$486
35 years$3,816$2,567$1,682$1,078$680$433
36 years$3,669$2,436$1,573$993$616$386
37 years$3,530$2,314$1,472$915$558$345
38 years$3,399$2,199$1,379$843$506$308
39 years$3,276$2,091$1,292$778$459$274
40 years$3,158$1,990$1,211$717$416$245
41 years$3,047$1,894$1,135$662$378$219
42 years$2,941$1,804$1,065$611$343$195
43 years$2,840$1,719$999$564$311$174
44 years$2,745$1,638$938$520$282$156
45 years$2,653$1,562$881$481$256$139
46 years$2,566$1,490$827$444$233$124
47 years$2,483$1,422$777$410$211$111
48 years$2,404$1,358$730$379$192$99
49 years$2,328$1,296$687$350$174$88
50 years$2,255$1,238$645$324$158$79

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 $3,752 every year, while hoping to spend $25,616 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: 64/8/28 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,549,490$2,427,060$2,391,255$2,693,461
36$2,782,283$2,518,731$2,444,107$2,883,078
37$3,037,962$2,614,035$2,497,871$3,087,027
38$3,318,835$2,713,123$2,552,550$3,309,329
39$3,627,443$2,816,154$2,608,148$3,551,791
40$3,966,587$2,923,290$2,664,666$3,816,403
41$4,339,352$3,034,704$2,722,105$4,105,354
42$4,749,137$3,150,575$2,780,466$4,421,058
43$5,199,685$3,271,090$2,839,748$4,766,171
44$5,695,122$3,396,443$2,899,949$5,143,617
45$6,239,994$3,526,838$2,961,066$5,556,620
46$6,839,308$3,662,487$3,023,097$6,008,727
47$7,498,581$3,803,612$3,086,034$6,503,847
48$8,223,892$3,950,445$3,149,872$7,046,285
49$9,021,939$4,103,228$3,214,603$7,640,783
50$9,900,102$4,262,211$3,280,218$8,292,565
51$10,866,513$4,427,660$3,346,705$9,007,383
52$11,930,130$4,599,848$3,414,053$9,791,578
53$13,100,827$4,779,064$3,482,247$10,652,131
54$14,389,479$4,965,606$3,551,270$11,596,735
55$15,808,074$5,159,789$3,621,106$12,633,864
56$17,369,818$5,361,938$3,691,733$13,772,855
57$19,089,263$5,572,397$3,763,130$15,023,993
58$20,982,445$5,791,522$3,835,272$16,398,612
59$23,067,033$6,019,685$3,908,132$17,909,195
60$25,362,497$6,257,276$3,981,681$19,569,500
61$27,890,291$6,504,702$4,055,886$21,394,682
62$30,674,056$6,762,387$4,130,714$23,401,440
63$33,739,841$7,030,776$4,206,125$25,608,174
64$37,116,354$7,310,333$4,282,078$28,035,157
65$40,835,225$7,601,542$4,358,531$30,704,725
66$44,931,310$7,904,910$4,435,434$33,641,491
67$49,443,019$8,220,966$4,512,736$36,872,573
68$54,412,677$8,550,263$4,590,383$40,427,854
69$59,886,923$8,893,380$4,668,314$44,340,258
70$65,917,154$9,250,920$4,746,467$48,646,068
71$72,560,004$9,623,515$4,824,774$53,385,259
72$79,877,882$10,011,825$4,903,162$58,601,883
73$87,939,562$10,416,541$4,981,554$64,344,480
74$96,820,829$10,838,382$5,059,867$70,666,535
75$106,605,195$11,278,104$5,138,014$77,626,988
76$117,384,688$11,736,495$5,215,901$85,290,782
77$129,260,721$12,214,378$5,293,429$93,729,483
78$142,345,048$12,712,616$5,370,492$103,021,950
79$156,760,818$13,232,109$5,446,978$113,255,082
80$172,643,738$13,773,799$5,522,769$124,524,635
81$190,143,355$14,338,671$5,597,738$136,936,128
82$209,424,467$14,927,756$5,671,752$150,605,837
83$230,668,678$15,542,131$5,744,670$165,661,894
84$254,076,109$16,182,921$5,816,342$182,245,492
85$279,867,294$16,851,306$5,886,612$200,512,223
86$308,285,255$17,548,518$5,955,311$220,633,542
87$339,597,801$18,275,845$6,022,263$242,798,384
88$374,100,051$19,034,636$6,087,283$267,214,953
89$412,117,224$19,826,300$6,150,175$294,112,679
90$454,007,706$20,652,314$6,210,731$323,744,389
91$500,166,434$21,514,220$6,268,733$356,388,693
92$551,028,626$22,413,632$6,323,951$392,352,609
93$607,073,886$23,352,240$6,376,144$431,974,465
94$668,830,733$24,331,811$6,425,055$475,627,089
95$736,881,591$25,354,193$6,470,418$523,721,331
96$811,868,285$26,421,320$6,511,948$576,709,938
97$894,498,102$27,535,217$6,549,351$635,091,831
98$985,550,467$28,698,001$6,582,313$699,416,810
99$1,085,884,301$29,911,889$6,610,506$770,290,746
100$1,196,446,127$31,179,200$6,633,586$848,381,298