Can I retire at age 35 with 2,360,000?

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 $2,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$194,887$193,151$191,457$189,804$188,190$183,715
2 years$96,479$94,682$92,940$91,252$89,614$85,132
3 years$63,680$61,876$60,139$58,466$56,855$52,506
4 years$47,284$45,485$43,765$42,121$40,549$36,366
5 years$37,449$35,661$33,964$32,353$30,825$26,820
6 years$30,895$29,120$27,448$25,873$24,391$20,568
7 years$26,215$24,455$22,809$21,272$19,836$16,195
8 years$22,706$20,962$19,344$17,844$16,456$12,996
9 years$19,979$18,251$16,661$15,199$13,858$10,577
10 years$17,798$16,088$14,525$13,102$11,808$8,701
11 years$16,015$14,322$12,788$11,403$10,155$7,219
12 years$14,531$12,855$11,349$10,002$8,800$6,029
13 years$13,275$11,617$10,140$8,830$7,674$5,063
14 years$12,200$10,559$9,110$7,838$6,727$4,271
15 years$11,269$9,646$8,226$6,990$5,923$3,615
16 years$10,456$8,850$7,458$6,259$5,235$3,070
17 years$9,738$8,151$6,786$5,624$4,642$2,613
18 years$9,102$7,532$6,195$5,068$4,127$2,229
19 years$8,532$6,980$5,671$4,580$3,679$1,905
20 years$8,021$6,486$5,205$4,148$3,286$1,631
21 years$7,559$6,042$4,787$3,764$2,940$1,397
22 years$7,139$5,640$4,412$3,423$2,636$1,199
23 years$6,756$5,275$4,074$3,117$2,366$1,030
24 years$6,406$4,942$3,768$2,843$2,127$885
25 years$6,084$4,638$3,490$2,596$1,914$761
26 years$5,788$4,359$3,236$2,374$1,724$655
27 years$5,514$4,102$3,005$2,173$1,554$564
28 years$5,260$3,866$2,794$1,991$1,402$485
29 years$5,024$3,647$2,600$1,826$1,266$418
30 years$4,804$3,444$2,422$1,675$1,144$360
31 years$4,599$3,256$2,258$1,539$1,034$311
32 years$4,407$3,080$2,106$1,414$936$268
33 years$4,226$2,917$1,967$1,300$847$231
34 years$4,057$2,765$1,838$1,197$767$199
35 years$3,898$2,622$1,718$1,101$694$172
36 years$3,748$2,489$1,607$1,014$629$148
37 years$3,607$2,364$1,504$935$570$128
38 years$3,473$2,247$1,409$862$517$111
39 years$3,346$2,136$1,320$794$469$95
40 years$3,226$2,033$1,237$733$425$82
41 years$3,113$1,935$1,160$676$386$71
42 years$3,005$1,843$1,088$624$350$61
43 years$2,902$1,756$1,021$576$318$53
44 years$2,804$1,674$958$532$288$46
45 years$2,711$1,596$900$491$262$39
46 years$2,622$1,522$845$454$238$34
47 years$2,537$1,453$794$419$216$29
48 years$2,456$1,387$746$387$196$25
49 years$2,378$1,324$701$358$178$22
50 years$2,304$1,265$659$331$162$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,360,000, adding $2,507 every year, while hoping to spend $45,103 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: 47/35/18 Blend
34$2,360,000$2,360,000$2,360,000$2,360,000
35$2,603,306$2,478,226$2,441,646$2,712,272
36$2,820,854$2,551,670$2,475,452$2,861,800
37$3,059,080$2,627,201$2,508,879$3,019,244
38$3,320,046$2,704,873$2,541,866$3,189,174
39$3,606,022$2,784,744$2,574,350$3,372,774
40$3,919,509$2,866,868$2,606,263$3,571,348
41$4,263,260$2,951,306$2,637,534$3,786,331
42$4,640,308$3,038,116$2,668,087$4,019,301
43$5,053,995$3,127,358$2,697,843$4,271,996
44$5,507,999$3,219,096$2,726,717$4,546,329
45$6,006,374$3,313,391$2,754,622$4,844,407
46$6,553,585$3,410,308$2,781,463$5,168,548
47$7,154,551$3,509,913$2,807,141$5,521,306
48$7,814,688$3,612,272$2,831,554$5,905,491
49$8,539,967$3,717,454$2,854,591$6,324,201
50$9,336,961$3,825,527$2,876,138$6,780,845
51$10,212,916$3,936,562$2,896,073$7,279,178
52$11,175,811$4,050,631$2,914,269$7,823,336
53$12,234,438$4,167,806$2,930,591$8,417,875
54$13,398,483$4,288,162$2,944,899$9,067,813
55$14,678,620$4,411,773$2,957,045$9,778,679
56$16,086,606$4,538,716$2,966,872$10,556,560
57$17,635,395$4,669,069$2,974,218$11,408,165
58$19,339,261$4,802,910$2,978,910$12,340,884
59$21,213,931$4,940,318$2,980,769$13,362,859
60$23,276,733$5,081,374$2,979,605$14,483,058
61$25,546,758$5,226,159$2,975,220$15,711,363
62$28,045,043$5,374,757$2,967,406$17,058,663
63$30,794,768$5,527,250$2,955,945$18,536,951
64$33,821,472$5,683,723$2,940,607$20,159,447
65$37,153,298$5,844,261$2,921,152$21,940,711
66$40,821,254$6,008,949$2,897,330$23,896,790
67$44,859,508$6,177,875$2,868,878$26,045,364
68$49,305,711$6,351,123$2,835,518$28,405,914
69$54,201,348$6,528,783$2,796,963$30,999,906
70$59,592,133$6,710,942$2,752,909$33,850,992
71$65,528,440$6,897,687$2,703,040$36,985,238
72$72,065,774$7,089,106$2,647,025$40,431,362
73$79,265,299$7,285,288$2,584,516$44,221,012
74$87,194,413$7,486,321$2,515,151$48,389,062
75$95,927,385$7,692,293$2,438,551$52,973,939
76$105,546,053$7,903,290$2,354,317$58,017,989
77$116,140,598$8,119,399$2,262,034$63,567,877
78$127,810,395$8,340,706$2,161,269$69,675,023
79$140,664,951$8,567,296$2,051,567$76,396,091
80$154,824,935$8,799,252$1,932,453$83,793,526
81$170,423,321$9,036,658$1,803,432$91,936,136
82$187,606,638$9,279,593$1,663,986$100,899,750
83$206,536,358$9,528,136$1,513,573$110,767,928
84$227,390,416$9,782,364$1,351,627$121,632,754
85$250,364,889$10,042,350$1,177,557$133,595,701
86$275,675,849$10,308,167$990,746$146,768,593
87$303,561,400$10,579,881$790,550$161,274,659
88$334,283,925$10,857,557$576,296$177,249,698
89$368,132,564$11,141,257$347,281$194,843,358
90$405,425,943$11,431,035$102,772$214,220,553
91$446,515,177$11,726,945$0$235,563,017
92$491,787,191$12,029,031$0$259,101,400
93$541,668,366$12,337,334$0$285,049,062
94$596,628,565$12,651,890$0$313,629,619
95$657,185,570$12,972,724$0$345,111,259
96$723,909,968$13,299,857$0$379,789,518
97$797,430,536$13,633,301$0$417,990,068
98$878,440,177$13,973,059$0$460,071,792
99$967,702,460$14,319,124$0$506,430,169
100$1,066,058,831$14,671,480$0$557,501,009