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%18%
1 years$194,887$193,151$191,457$189,804$188,190$182,093
2 years$96,479$94,682$92,940$91,252$89,614$83,529
3 years$63,680$61,876$60,139$58,466$56,855$50,972
4 years$47,284$45,485$43,765$42,121$40,549$34,914
5 years$37,449$35,661$33,964$32,353$30,825$25,453
6 years$30,895$29,120$27,448$25,873$24,391$19,285
7 years$26,215$24,455$22,809$21,272$19,836$14,998
8 years$22,706$20,962$19,344$17,844$16,456$11,881
9 years$19,979$18,251$16,661$15,199$13,858$9,541
10 years$17,798$16,088$14,525$13,102$11,808$7,742
11 years$16,015$14,322$12,788$11,403$10,155$6,333
12 years$14,531$12,855$11,349$10,002$8,800$5,213
13 years$13,275$11,617$10,140$8,830$7,674$4,313
14 years$12,200$10,559$9,110$7,838$6,727$3,583
15 years$11,269$9,646$8,226$6,990$5,923$2,987
16 years$10,456$8,850$7,458$6,259$5,235$2,497
17 years$9,738$8,151$6,786$5,624$4,642$2,091
18 years$9,102$7,532$6,195$5,068$4,127$1,755
19 years$8,532$6,980$5,671$4,580$3,679$1,475
20 years$8,021$6,486$5,205$4,148$3,286$1,242
21 years$7,559$6,042$4,787$3,764$2,940$1,046
22 years$7,139$5,640$4,412$3,423$2,636$882
23 years$6,756$5,275$4,074$3,117$2,366$745
24 years$6,406$4,942$3,768$2,843$2,127$629
25 years$6,084$4,638$3,490$2,596$1,914$531
26 years$5,788$4,359$3,236$2,374$1,724$449
27 years$5,514$4,102$3,005$2,173$1,554$380
28 years$5,260$3,866$2,794$1,991$1,402$321
29 years$5,024$3,647$2,600$1,826$1,266$272
30 years$4,804$3,444$2,422$1,675$1,144$230
31 years$4,599$3,256$2,258$1,539$1,034$195
32 years$4,407$3,080$2,106$1,414$936$165
33 years$4,226$2,917$1,967$1,300$847$140
34 years$4,057$2,765$1,838$1,197$767$118
35 years$3,898$2,622$1,718$1,101$694$100
36 years$3,748$2,489$1,607$1,014$629$85
37 years$3,607$2,364$1,504$935$570$72
38 years$3,473$2,247$1,409$862$517$61
39 years$3,346$2,136$1,320$794$469$52
40 years$3,226$2,033$1,237$733$425$44
41 years$3,113$1,935$1,160$676$386$37
42 years$3,005$1,843$1,088$624$350$31
43 years$2,902$1,756$1,021$576$318$27
44 years$2,804$1,674$958$532$288$23
45 years$2,711$1,596$900$491$262$19
46 years$2,622$1,522$845$454$238$16
47 years$2,537$1,453$794$419$216$14
48 years$2,456$1,387$746$387$196$12
49 years$2,378$1,324$701$358$178$10
50 years$2,304$1,265$659$331$162$8

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 $6,893 every year, while hoping to spend $49,722 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: 68/27/5 Blend
34$2,360,000$2,360,000$2,360,000$2,360,000
35$2,607,830$2,482,750$2,446,170$2,783,200
36$2,820,925$2,551,501$2,475,213$2,968,915
37$3,054,089$2,621,954$2,503,562$3,165,198
38$3,309,317$2,694,141$2,531,142$3,378,471
39$3,588,805$2,768,091$2,557,873$3,610,384
40$3,894,972$2,843,837$2,583,671$3,862,754
41$4,230,481$2,921,407$2,608,446$4,137,580
42$4,598,266$3,000,832$2,632,105$4,437,066
43$5,001,558$3,082,141$2,654,549$4,763,635
44$5,443,915$3,165,364$2,675,675$5,119,957
45$5,929,257$3,250,530$2,695,372$5,508,972
46$6,461,900$3,337,665$2,713,527$5,933,917
47$7,046,601$3,426,798$2,730,017$6,398,357
48$7,688,598$3,517,954$2,744,716$6,906,219
49$8,393,660$3,611,159$2,757,489$7,461,826
50$9,168,144$3,706,437$2,768,196$8,069,943
51$10,019,054$3,803,811$2,776,689$8,735,815
52$10,954,102$3,903,302$2,782,813$9,465,222
53$11,981,788$4,004,932$2,786,405$10,264,530
54$13,111,475$4,108,718$2,787,294$11,140,751
55$14,353,478$4,214,677$2,785,300$12,101,612
56$15,719,160$4,322,824$2,780,236$13,155,621
57$17,221,044$4,433,172$2,771,903$14,312,157
58$18,872,923$4,545,730$2,760,095$15,581,549
59$20,689,997$4,660,507$2,744,594$16,975,176
60$22,689,012$4,777,507$2,725,173$18,505,579
61$24,888,418$4,896,732$2,701,593$20,186,571
62$27,308,545$5,018,180$2,673,605$22,033,374
63$29,971,793$5,141,847$2,640,947$24,062,758
64$32,902,842$5,267,724$2,603,344$26,293,202
65$36,128,886$5,395,797$2,560,511$28,745,067
66$39,679,891$5,526,049$2,512,147$31,440,785
67$43,588,873$5,658,458$2,457,936$34,405,076
68$47,892,212$5,792,997$2,397,551$37,665,179
69$52,629,996$5,929,632$2,330,648$41,251,105
70$57,846,396$6,068,325$2,256,865$45,195,927
71$63,590,086$6,209,030$2,175,827$49,536,086
72$69,914,698$6,351,696$2,087,141$54,311,737
73$76,879,330$6,496,262$1,990,393$59,567,129
74$84,549,105$6,642,662$1,885,155$65,351,021
75$92,995,782$6,790,821$1,770,975$71,717,142
76$102,298,434$6,940,653$1,647,385$78,724,698
77$112,544,194$7,092,065$1,513,893$86,438,933
78$123,829,079$7,244,953$1,369,985$94,931,741
79$136,258,891$7,399,202$1,215,125$104,282,347
80$149,950,220$7,554,685$1,048,754$114,578,054
81$165,031,542$7,711,264$870,287$125,915,069
82$181,644,431$7,868,787$679,113$138,399,406
83$199,944,893$8,027,088$474,594$152,147,893
84$220,104,844$8,185,987$256,064$167,289,269
85$242,313,725$8,345,287$22,829$183,965,405
86$266,780,295$8,504,776$0$202,332,638
87$293,734,598$8,664,223$0$222,575,311
88$323,430,135$8,823,379$0$244,873,301
89$356,146,258$8,981,973$0$269,434,645
90$392,190,801$9,139,715$0$296,489,943
91$431,902,994$9,296,292$0$326,293,309
92$475,656,655$9,451,365$0$359,124,773
93$523,863,725$9,604,574$0$395,292,925
94$576,978,155$9,755,528$0$435,137,826
95$635,500,186$9,903,808$0$479,034,222
96$699,981,079$10,048,968$0$527,395,075
97$771,028,308$10,190,527$0$580,675,469
98$849,311,303$10,327,970$0$639,376,903
99$935,567,763$10,460,749$0$704,052,023
100$1,030,610,625$10,588,275$0$775,309,843