Can I retire at age 35 with 2,330,000?

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 $2,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$192,409$190,695$189,023$187,391$185,797$182,644
2 years$95,252$93,478$91,759$90,092$88,475$85,308
3 years$62,871$61,089$59,374$57,723$56,132$53,050
4 years$46,683$44,907$43,209$41,586$40,034$37,060
5 years$36,973$35,208$33,532$31,942$30,433$27,576
6 years$30,502$28,750$27,099$25,544$24,081$21,344
7 years$25,881$24,144$22,519$21,001$19,584$16,969
8 years$22,418$20,696$19,098$17,618$16,247$13,752
9 years$19,725$18,019$16,449$15,006$13,682$11,306
10 years$17,572$15,883$14,341$12,936$11,658$9,399
11 years$15,812$14,140$12,625$11,258$10,026$7,882
12 years$14,346$12,691$11,205$9,875$8,689$6,656
13 years$13,107$11,469$10,011$8,718$7,577$5,653
14 years$12,045$10,425$8,995$7,739$6,642$4,824
15 years$11,126$9,524$8,121$6,902$5,848$4,132
16 years$10,323$8,738$7,363$6,180$5,168$3,551
17 years$9,615$8,047$6,700$5,552$4,583$3,060
18 years$8,986$7,436$6,116$5,004$4,075$2,643
19 years$8,424$6,891$5,599$4,521$3,632$2,287
20 years$7,919$6,404$5,139$4,095$3,244$1,983
21 years$7,463$5,965$4,726$3,716$2,903$1,722
22 years$7,048$5,568$4,356$3,379$2,602$1,496
23 years$6,670$5,208$4,022$3,077$2,336$1,302
24 years$6,325$4,879$3,720$2,807$2,099$1,134
25 years$6,007$4,579$3,445$2,563$1,889$989
26 years$5,714$4,303$3,195$2,344$1,702$862
27 years$5,444$4,050$2,967$2,145$1,534$753
28 years$5,193$3,816$2,758$1,966$1,384$657
29 years$4,960$3,600$2,567$1,802$1,250$574
30 years$4,743$3,400$2,391$1,654$1,130$502
31 years$4,540$3,214$2,229$1,519$1,021$439
32 years$4,350$3,041$2,080$1,396$924$384
33 years$4,173$2,880$1,942$1,284$836$336
34 years$4,006$2,730$1,814$1,181$757$294
35 years$3,849$2,589$1,696$1,087$686$257
36 years$3,701$2,457$1,587$1,002$621$225
37 years$3,561$2,334$1,485$923$563$197
38 years$3,429$2,218$1,391$851$510$173
39 years$3,304$2,109$1,303$784$463$151
40 years$3,185$2,007$1,221$723$420$132
41 years$3,073$1,910$1,145$667$381$116
42 years$2,966$1,819$1,074$616$346$102
43 years$2,865$1,733$1,008$569$314$89
44 years$2,768$1,652$946$525$285$78
45 years$2,676$1,576$889$485$258$68
46 years$2,589$1,503$835$448$235$60
47 years$2,505$1,434$784$414$213$52
48 years$2,425$1,369$737$382$194$46
49 years$2,348$1,308$692$353$176$40
50 years$2,275$1,249$651$327$160$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,330,000, adding $2,204 every year, while hoping to spend $29,881 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: 76/17/7 Blend
34$2,330,000$2,330,000$2,330,000$2,330,000
35$2,569,933$2,446,443$2,410,328$2,762,820
36$2,800,273$2,534,526$2,459,281$2,977,988
37$3,053,107$2,625,923$2,508,873$3,209,716
38$3,330,696$2,720,766$2,559,092$3,462,840
39$3,635,534$2,819,190$2,609,928$3,739,471
40$3,970,366$2,921,338$2,661,369$4,041,934
41$4,338,217$3,027,357$2,713,398$4,372,787
42$4,742,419$3,137,402$2,766,002$4,734,848
43$5,186,644$3,251,633$2,819,161$5,131,218
44$5,674,936$3,370,217$2,872,856$5,565,313
45$6,211,750$3,493,328$2,927,067$6,040,895
46$6,801,994$3,621,147$2,981,770$6,562,105
47$7,451,078$3,753,864$3,036,940$7,133,505
48$8,164,960$3,891,675$3,092,550$7,760,119
49$8,950,205$4,034,786$3,148,569$8,447,479
50$9,814,047$4,183,411$3,204,967$9,201,680
51$10,764,453$4,337,772$3,261,707$10,029,433
52$11,810,207$4,498,103$3,318,754$10,938,132
53$12,960,983$4,664,644$3,376,067$11,935,921
54$14,227,441$4,837,650$3,433,603$13,031,769
55$15,621,327$5,017,382$3,491,316$14,235,558
56$17,155,585$5,204,116$3,549,157$15,558,173
57$18,844,475$5,398,138$3,607,074$17,011,606
58$20,703,710$5,599,746$3,665,010$18,609,067
59$22,750,606$5,809,251$3,722,906$20,365,107
60$25,004,242$6,026,978$3,780,697$22,295,761
61$27,485,641$6,253,266$3,838,316$24,418,690
62$30,217,967$6,488,467$3,895,691$26,753,354
63$33,226,748$6,732,950$3,952,745$29,321,192
64$36,540,111$6,987,099$4,009,396$32,145,825
65$40,189,050$7,251,315$4,065,559$35,253,275
66$44,207,719$7,526,015$4,121,141$38,672,217
67$48,633,753$7,811,636$4,176,046$42,434,239
68$53,508,623$8,108,634$4,230,170$46,574,151
69$58,878,028$8,417,482$4,283,407$51,130,301
70$64,792,325$8,738,678$4,335,639$56,144,947
71$71,307,006$9,072,736$4,386,747$61,664,646
72$78,483,219$9,420,199$4,436,601$67,740,700
73$86,388,347$9,781,629$4,485,067$74,429,632
74$95,096,644$10,157,613$4,532,002$81,793,728
75$104,689,931$10,548,767$4,577,254$89,901,613
76$115,258,378$10,955,730$4,620,666$98,828,909
77$126,901,343$11,379,171$4,662,069$108,658,938
78$139,728,319$11,819,789$4,701,287$119,483,515
79$153,859,962$12,278,314$4,738,135$131,403,808
80$169,429,233$12,755,505$4,772,417$144,531,296
81$186,582,649$13,252,159$4,803,927$158,988,819
82$205,481,670$13,769,106$4,832,449$174,911,734
83$226,304,220$14,307,212$4,857,756$192,449,195
84$249,246,368$14,867,383$4,879,608$211,765,559
85$274,524,177$15,450,564$4,897,755$233,041,933
86$302,375,745$16,057,744$4,911,932$256,477,886
87$333,063,452$16,689,954$4,921,862$282,293,331
88$366,876,434$17,348,272$4,927,255$310,730,597
89$404,133,316$18,033,823$4,927,804$342,056,718
90$445,185,218$18,747,784$4,923,189$376,565,951
91$490,419,069$19,491,384$4,913,074$414,582,551
92$540,261,258$20,265,907$4,897,106$456,463,833
93$595,181,664$21,072,693$4,874,917$502,603,542
94$655,698,084$21,913,145$4,846,117$553,435,566
95$722,381,127$22,788,728$4,810,301$609,438,034
96$795,859,599$23,700,973$4,767,043$671,137,825
97$876,826,436$24,651,479$4,715,897$739,115,542
98$966,045,250$25,641,918$4,656,396$814,010,989
99$1,064,357,531$26,674,038$4,588,051$896,529,208
100$1,172,690,599$27,749,665$4,510,350$987,447,138