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%15%
1 years$190,758$189,058$187,401$185,783$184,203$180,410
2 years$94,434$92,676$90,971$89,319$87,716$83,911
3 years$62,331$60,565$58,864$57,227$55,650$51,954
4 years$46,282$44,521$42,838$41,229$39,690$36,130
5 years$36,656$34,905$33,244$31,668$30,172$26,758
6 years$30,240$28,503$26,866$25,325$23,874$20,609
7 years$25,659$23,937$22,326$20,821$19,416$16,302
8 years$22,225$20,518$18,934$17,466$16,107$13,143
9 years$19,556$17,865$16,308$14,877$13,565$10,748
10 years$17,421$15,747$14,218$12,824$11,558$8,886
11 years$15,676$14,019$12,517$11,161$9,940$7,409
12 years$14,223$12,582$11,109$9,790$8,614$6,221
13 years$12,994$11,371$9,925$8,643$7,512$5,252
14 years$11,942$10,336$8,917$7,672$6,585$4,454
15 years$11,031$9,442$8,051$6,842$5,798$3,792
16 years$10,234$8,663$7,300$6,127$5,124$3,238
17 years$9,532$7,978$6,642$5,505$4,543$2,772
18 years$8,909$7,372$6,064$4,961$4,040$2,379
19 years$8,352$6,832$5,551$4,482$3,601$2,045
20 years$7,851$6,349$5,094$4,060$3,216$1,761
21 years$7,398$5,914$4,686$3,684$2,878$1,518
22 years$6,988$5,520$4,319$3,350$2,580$1,311
23 years$6,613$5,163$3,988$3,051$2,316$1,133
24 years$6,270$4,837$3,688$2,783$2,081$980
25 years$5,956$4,540$3,416$2,541$1,873$848
26 years$5,665$4,267$3,168$2,324$1,687$734
27 years$5,397$4,015$2,942$2,127$1,521$636
28 years$5,148$3,784$2,735$1,949$1,372$552
29 years$4,917$3,569$2,545$1,787$1,239$478
30 years$4,702$3,371$2,370$1,640$1,120$415
31 years$4,501$3,187$2,210$1,506$1,012$360
32 years$4,313$3,015$2,062$1,384$916$313
33 years$4,137$2,855$1,925$1,273$829$271
34 years$3,971$2,706$1,799$1,171$750$236
35 years$3,816$2,567$1,682$1,078$680$205
36 years$3,669$2,436$1,573$993$616$178
37 years$3,530$2,314$1,472$915$558$155
38 years$3,399$2,199$1,379$843$506$134
39 years$3,276$2,091$1,292$778$459$117
40 years$3,158$1,990$1,211$717$416$101
41 years$3,047$1,894$1,135$662$378$88
42 years$2,941$1,804$1,065$611$343$77
43 years$2,840$1,719$999$564$311$67
44 years$2,745$1,638$938$520$282$58
45 years$2,653$1,562$881$481$256$50
46 years$2,566$1,490$827$444$233$44
47 years$2,483$1,422$777$410$211$38
48 years$2,404$1,358$730$379$192$33
49 years$2,328$1,296$687$350$174$29
50 years$2,255$1,238$645$324$158$25

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 $3,649 every year, while hoping to spend $29,913 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: 52/33/15 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,549,384$2,426,954$2,391,149$2,671,446
36$2,777,594$2,514,047$2,439,425$2,842,495
37$3,028,079$2,604,406$2,488,316$3,024,966
38$3,303,079$2,698,158$2,537,811$3,222,756
39$3,605,062$2,795,437$2,587,897$3,437,323
40$3,936,748$2,896,383$2,638,561$3,670,272
41$4,301,130$3,001,140$2,689,786$3,923,367
42$4,701,509$3,109,859$2,741,558$4,198,548
43$5,141,518$3,222,698$2,793,856$4,497,950
44$5,625,163$3,339,820$2,846,660$4,823,921
45$6,156,855$3,461,396$2,899,948$5,179,044
46$6,741,455$3,587,605$2,953,697$5,566,163
47$7,384,316$3,718,630$3,007,878$5,988,406
48$8,091,338$3,854,666$3,062,465$6,449,217
49$8,869,023$3,995,912$3,117,425$6,952,385
50$9,724,531$4,142,580$3,172,727$7,502,081
51$10,665,753$4,294,886$3,228,333$8,102,898
52$11,701,384$4,453,059$3,284,206$8,759,891
53$12,841,001$4,617,336$3,340,303$9,478,624
54$14,095,162$4,787,963$3,396,582$10,265,225
55$15,475,495$4,965,200$3,452,993$11,126,440
56$16,994,814$5,149,313$3,509,488$12,069,698
57$18,667,240$5,340,584$3,566,010$13,103,178
58$20,508,330$5,539,305$3,622,503$14,235,887
59$22,535,228$5,745,779$3,678,905$15,477,747
60$24,766,823$5,960,325$3,735,151$16,839,681
61$27,223,931$6,183,272$3,791,170$18,333,721
62$29,929,487$6,414,968$3,846,890$19,973,118
63$32,908,764$6,655,770$3,902,230$21,772,468
64$36,189,611$6,906,056$3,957,108$23,747,846
65$39,802,716$7,166,217$4,011,435$25,916,958
66$43,781,892$7,436,662$4,065,118$28,299,310
67$48,164,403$7,717,816$4,118,057$30,916,387
68$52,991,308$8,010,124$4,170,147$33,791,855
69$58,307,852$8,314,051$4,221,278$36,951,785
70$64,163,893$8,630,080$4,271,331$40,424,897
71$70,614,373$8,958,717$4,320,184$44,242,832
72$77,719,834$9,300,489$4,367,705$48,440,443
73$85,546,990$9,655,945$4,413,755$53,056,131
74$94,169,357$10,025,661$4,458,190$58,132,200
75$103,667,947$10,410,234$4,500,856$63,715,256
76$114,132,033$10,810,291$4,541,590$69,856,648
77$125,659,990$11,226,485$4,580,223$76,612,948
78$138,360,223$11,659,496$4,616,574$84,046,486
79$152,352,191$12,110,037$4,650,454$92,225,933
80$167,767,536$12,578,850$4,681,666$101,226,952
81$184,751,321$13,066,710$4,709,998$111,132,907
82$203,463,405$13,574,428$4,735,232$122,035,648
83$224,079,946$14,102,849$4,757,136$134,036,380
84$246,795,067$14,652,855$4,775,467$147,246,610
85$271,822,688$15,225,369$4,789,969$161,789,203
86$299,398,544$15,821,354$4,800,375$177,799,537
87$329,782,410$16,441,815$4,806,402$195,426,778
88$363,260,555$17,087,803$4,807,756$214,835,288
89$400,148,441$17,760,415$4,804,125$236,206,171
90$440,793,704$18,460,798$4,795,186$259,738,983
91$485,579,433$19,190,148$4,780,595$285,653,612
92$534,927,786$19,949,716$4,759,996$314,192,348
93$589,303,978$20,740,810$4,733,014$345,622,174
94$649,220,669$21,564,794$4,699,255$380,237,275
95$715,242,803$22,423,096$4,658,306$418,361,819
96$787,992,947$23,317,205$4,609,738$460,353,010
97$868,157,160$24,248,681$4,553,096$506,604,457
98$956,491,475$25,219,150$4,487,909$557,549,888
99$1,053,829,031$26,230,314$4,413,679$613,667,237
100$1,161,087,943$27,283,951$4,329,889$675,483,158