Can I retire at age 35 with 2,350,000?

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 $2,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$194,061$192,332$190,646$189,000$187,392$181,466
2 years$96,070$94,280$92,546$90,865$89,234$83,318
3 years$63,410$61,613$59,884$58,218$56,614$50,892
4 years$47,084$45,292$43,580$41,943$40,378$34,895
5 years$37,290$35,510$33,820$32,216$30,694$25,465
6 years$30,764$28,996$27,331$25,764$24,287$19,316
7 years$26,103$24,351$22,713$21,182$19,752$15,039
8 years$22,610$20,873$19,262$17,769$16,386$11,927
9 years$19,894$18,174$16,590$15,135$13,800$9,590
10 years$17,723$16,020$14,464$13,047$11,758$7,791
11 years$15,948$14,261$12,734$11,354$10,112$6,381
12 years$14,469$12,800$11,301$9,959$8,763$5,260
13 years$13,219$11,568$10,097$8,793$7,642$4,358
14 years$12,149$10,515$9,072$7,805$6,699$3,626
15 years$11,222$9,605$8,191$6,961$5,898$3,026
16 years$10,411$8,813$7,426$6,233$5,213$2,533
17 years$9,697$8,116$6,757$5,600$4,622$2,125
18 years$9,063$7,500$6,169$5,047$4,110$1,786
19 years$8,496$6,951$5,647$4,560$3,663$1,504
20 years$7,987$6,459$5,183$4,130$3,272$1,268
21 years$7,527$6,016$4,767$3,748$2,928$1,070
22 years$7,109$5,616$4,394$3,408$2,624$904
23 years$6,728$5,252$4,057$3,104$2,356$764
24 years$6,379$4,921$3,752$2,831$2,117$646
25 years$6,059$4,618$3,475$2,585$1,905$547
26 years$5,763$4,340$3,223$2,364$1,716$463
27 years$5,491$4,085$2,993$2,164$1,547$392
28 years$5,238$3,849$2,782$1,982$1,396$332
29 years$5,003$3,631$2,589$1,818$1,261$282
30 years$4,784$3,429$2,411$1,668$1,139$239
31 years$4,579$3,242$2,248$1,532$1,030$203
32 years$4,388$3,067$2,098$1,408$932$172
33 years$4,209$2,905$1,958$1,295$843$146
34 years$4,040$2,753$1,830$1,191$763$124
35 years$3,882$2,611$1,711$1,097$691$105
36 years$3,732$2,479$1,600$1,010$626$89
37 years$3,591$2,354$1,498$931$568$75
38 years$3,458$2,237$1,403$858$515$64
39 years$3,332$2,127$1,314$791$467$54
40 years$3,213$2,024$1,232$730$423$46
41 years$3,100$1,927$1,155$673$384$39
42 years$2,992$1,835$1,084$621$349$33
43 years$2,890$1,748$1,017$573$316$28
44 years$2,792$1,666$954$529$287$24
45 years$2,699$1,589$896$489$261$20
46 years$2,611$1,516$842$452$237$17
47 years$2,526$1,447$791$417$215$15
48 years$2,446$1,381$743$386$195$12
49 years$2,368$1,319$698$356$177$11
50 years$2,294$1,260$657$329$161$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,350,000, adding $2,827 every year, while hoping to spend $51,213 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: 63/18/19 Blend
34$2,350,000$2,350,000$2,350,000$2,350,000
35$2,592,616$2,468,066$2,431,641$2,743,227
36$2,802,573$2,534,511$2,458,611$2,911,395
37$3,032,228$2,602,495$2,484,768$3,088,945
38$3,283,538$2,672,041$2,510,030$3,281,652
39$3,558,656$2,743,167$2,534,313$3,490,999
40$3,859,952$2,815,895$2,557,525$3,718,616
41$4,190,036$2,890,243$2,579,571$3,966,303
42$4,551,785$2,966,230$2,600,352$4,236,039
43$4,948,365$3,043,873$2,619,762$4,530,004
44$5,383,263$3,123,188$2,637,689$4,850,603
45$5,860,321$3,204,190$2,654,017$5,200,481
46$6,383,770$3,286,891$2,668,623$5,582,554
47$6,958,271$3,371,305$2,681,377$6,000,036
48$7,588,956$3,457,440$2,692,145$6,456,466
49$8,281,480$3,545,306$2,700,782$6,955,743
50$9,042,073$3,634,908$2,707,141$7,502,163
51$9,877,597$3,726,251$2,711,063$8,100,462
52$10,795,611$3,819,336$2,712,382$8,755,856
53$11,804,444$3,914,164$2,710,927$9,474,091
54$12,913,269$4,010,730$2,706,515$10,261,502
55$14,132,195$4,109,028$2,698,956$11,125,068
56$15,472,356$4,209,048$2,688,049$12,072,479
57$16,946,023$4,310,778$2,673,585$13,112,209
58$18,566,712$4,414,201$2,655,344$14,253,596
59$20,349,315$4,519,295$2,633,097$15,506,931
60$22,310,241$4,626,036$2,606,601$16,883,554
61$24,467,568$4,734,394$2,575,605$18,395,960
62$26,841,215$4,844,334$2,539,843$20,057,921
63$29,453,130$4,955,818$2,499,038$21,884,612
64$32,327,494$5,068,798$2,452,902$23,892,757
65$35,490,954$5,183,225$2,401,129$26,100,785
66$38,972,867$5,299,038$2,343,403$28,529,006
67$42,805,583$5,416,175$2,279,390$31,199,801
68$47,024,747$5,534,562$2,208,744$34,137,835
69$51,669,635$5,654,119$2,131,101$37,370,291
70$56,783,524$5,774,758$2,046,080$40,927,124
71$62,414,104$5,896,381$1,953,283$44,841,345
72$68,613,920$6,018,881$1,852,296$49,149,333
73$75,440,876$6,142,142$1,742,684$53,891,182
74$82,958,773$6,266,035$1,623,992$59,111,073
75$91,237,919$6,390,421$1,495,746$64,857,699
76$100,355,783$6,515,149$1,357,450$71,184,720
77$110,397,735$6,640,054$1,208,587$78,151,270
78$121,457,845$6,764,957$1,048,615$85,822,519
79$133,639,771$6,889,666$876,970$94,270,288
80$147,057,741$7,013,972$693,061$103,573,723
81$161,837,624$7,137,651$496,273$113,820,049
82$178,118,126$7,260,460$285,962$125,105,392
83$196,052,090$7,382,138$61,457$137,535,685
84$215,807,946$7,502,405$0$151,227,669
85$237,571,292$7,620,958$0$166,346,114
86$261,546,654$7,737,476$0$183,012,332
87$287,959,411$7,851,610$0$201,370,257
88$317,057,921$7,962,989$0$221,592,244
89$349,115,868$8,071,215$0$243,868,223
90$384,434,845$8,175,863$0$268,407,497
91$423,347,195$8,276,476$0$295,440,712
92$466,219,156$8,372,570$0$325,222,038
93$513,454,308$8,463,624$0$358,031,568
94$565,497,391$8,549,086$0$394,177,960
95$622,838,497$8,628,363$0$434,001,353
96$686,017,698$8,700,826$0$477,876,577
97$755,630,141$8,765,805$0$526,216,691
98$832,331,671$8,822,586$0$579,476,885
99$916,845,016$8,870,406$0$638,158,777
100$1,009,966,611$8,908,459$0$702,815,144