Can I retire at age 35 with 2,380,000?

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 $2,380,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$196,538$194,788$193,080$191,412$189,785$187,491
2 years$97,296$95,484$93,728$92,025$90,374$88,065
3 years$64,220$62,400$60,648$58,961$57,337$55,085
4 years$47,685$45,871$44,136$42,478$40,893$38,716
5 years$37,766$35,963$34,252$32,627$31,086$28,990
6 years$31,156$29,367$27,680$26,092$24,597$22,585
7 years$26,437$24,662$23,003$21,452$20,004$18,076
8 years$22,899$21,140$19,508$17,996$16,596$14,751
9 years$20,148$18,406$16,802$15,328$13,976$12,214
10 years$17,949$16,224$14,649$13,213$11,908$10,228
11 years$16,151$14,443$12,896$11,499$10,241$8,642
12 years$14,654$12,964$11,445$10,086$8,875$7,354
13 years$13,388$11,715$10,226$8,905$7,739$6,295
14 years$12,304$10,649$9,188$7,905$6,784$5,415
15 years$11,365$9,728$8,295$7,050$5,973$4,677
16 years$10,544$8,925$7,521$6,312$5,279$4,053
17 years$9,821$8,220$6,844$5,671$4,681$3,522
18 years$9,179$7,595$6,247$5,111$4,162$3,069
19 years$8,605$7,039$5,719$4,618$3,710$2,679
20 years$8,089$6,541$5,249$4,183$3,314$2,343
21 years$7,623$6,093$4,828$3,796$2,965$2,053
22 years$7,199$5,688$4,450$3,452$2,658$1,801
23 years$6,814$5,319$4,108$3,143$2,386$1,582
24 years$6,460$4,984$3,800$2,867$2,145$1,391
25 years$6,136$4,677$3,519$2,618$1,930$1,224
26 years$5,837$4,396$3,264$2,394$1,738$1,078
27 years$5,561$4,137$3,031$2,191$1,567$950
28 years$5,305$3,898$2,818$2,008$1,414$837
29 years$5,066$3,678$2,622$1,841$1,277$739
30 years$4,845$3,473$2,442$1,690$1,154$652
31 years$4,638$3,283$2,277$1,552$1,043$576
32 years$4,444$3,107$2,124$1,426$944$509
33 years$4,262$2,942$1,983$1,311$854$449
34 years$4,092$2,788$1,853$1,207$773$397
35 years$3,931$2,645$1,733$1,111$700$351
36 years$3,780$2,510$1,621$1,023$634$311
37 years$3,637$2,384$1,517$943$575$275
38 years$3,502$2,266$1,421$869$521$243
39 years$3,375$2,155$1,331$801$473$215
40 years$3,254$2,050$1,248$739$429$190
41 years$3,139$1,951$1,170$682$389$168
42 years$3,030$1,858$1,097$629$353$149
43 years$2,926$1,771$1,030$581$320$132
44 years$2,828$1,688$967$536$291$117
45 years$2,734$1,609$908$495$264$103
46 years$2,644$1,535$852$457$240$91
47 years$2,559$1,465$801$423$218$81
48 years$2,477$1,399$753$391$198$72
49 years$2,399$1,336$707$361$180$63
50 years$2,324$1,276$665$334$163$56

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,380,000, adding $5,922 every year, while hoping to spend $22,676 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: 29/46/25 Blend
34$2,380,000$2,380,000$2,380,000$2,380,000
35$2,628,869$2,502,729$2,465,839$2,684,542
36$2,872,886$2,601,235$2,524,317$2,826,997
37$3,141,033$2,703,809$2,583,995$2,977,652
38$3,435,748$2,810,624$2,644,887$3,139,161
39$3,759,714$2,921,865$2,707,011$3,312,472
40$4,115,891$3,037,723$2,770,383$3,498,629
41$4,507,538$3,158,397$2,835,016$3,698,774
42$4,938,245$3,284,097$2,900,928$3,914,158
43$5,411,969$3,415,040$2,968,132$4,146,155
44$5,933,069$3,551,456$3,036,643$4,396,273
45$6,506,346$3,693,582$3,106,475$4,666,164
46$7,137,094$3,841,667$3,177,641$4,957,644
47$7,831,141$3,995,973$3,250,156$5,272,705
48$8,594,912$4,156,770$3,324,031$5,613,534
49$9,435,484$4,324,343$3,399,278$5,982,534
50$10,360,658$4,498,991$3,475,908$6,382,343
51$11,379,027$4,681,022$3,553,932$6,815,861
52$12,500,059$4,870,764$3,633,360$7,286,274
53$13,734,187$5,068,554$3,714,200$7,797,081
54$15,092,909$5,274,748$3,796,461$8,352,130
55$16,588,893$5,489,718$3,880,149$8,955,651
56$18,236,097$5,713,851$3,965,271$9,612,294
57$20,049,903$5,947,553$4,051,831$10,327,172
58$22,047,259$6,191,249$4,139,834$11,105,905
59$24,246,841$6,445,383$4,229,281$11,954,679
60$26,669,231$6,710,418$4,320,173$12,880,295
61$29,337,104$6,986,840$4,412,510$13,890,233
62$32,275,450$7,275,156$4,506,291$14,992,724
63$35,511,804$7,575,898$4,601,510$16,196,824
64$39,076,512$7,889,620$4,698,164$17,512,495
65$43,003,008$8,216,904$4,796,245$18,950,704
66$47,328,139$8,558,356$4,895,743$20,523,514
67$52,092,506$8,914,612$4,996,647$22,244,206
68$57,340,850$9,286,337$5,098,944$24,127,395
69$63,122,476$9,674,226$5,202,617$26,189,170
70$69,491,712$10,079,007$5,307,649$28,447,239
71$76,508,429$10,501,441$5,414,017$30,921,097
72$84,238,601$10,942,323$5,521,699$33,632,207
73$92,754,929$11,402,488$5,630,666$36,604,198
74$102,137,528$11,882,806$5,740,890$39,863,086
75$112,474,683$12,384,190$5,852,337$43,437,516
76$123,863,679$12,907,595$5,964,969$47,359,031
77$136,411,726$13,454,019$6,078,747$51,662,363
78$150,236,963$14,024,506$6,193,626$56,385,762
79$165,469,579$14,620,152$6,309,557$61,571,347
80$182,253,037$15,242,101$6,426,489$67,265,506
81$200,745,433$15,891,550$6,544,362$73,519,326
82$221,120,984$16,569,754$6,663,116$80,389,074
83$243,571,677$17,278,024$6,782,683$87,936,720
84$268,309,076$18,017,735$6,902,991$96,230,520
85$295,566,322$18,790,324$7,023,961$105,345,655
86$325,600,332$19,597,296$7,145,509$115,364,936
87$358,694,229$20,440,226$7,267,547$126,379,579
88$395,160,007$21,320,764$7,389,976$138,490,063
89$435,341,482$22,240,635$7,512,694$151,807,072
90$479,617,535$23,201,648$7,635,591$166,452,531
91$528,405,688$24,205,693$7,758,548$182,560,756
92$582,166,049$25,254,753$7,881,440$200,279,711
93$641,405,650$26,350,900$8,004,133$219,772,399
94$706,683,239$27,496,307$8,126,484$241,218,397
95$778,614,550$28,693,246$8,248,342$264,815,539
96$857,878,117$29,944,098$8,369,544$290,781,779
97$945,221,682$31,251,356$8,489,921$319,357,237
98$1,041,469,250$32,617,630$8,609,290$350,806,464
99$1,147,528,872$34,045,652$8,727,459$385,420,922
100$1,264,401,212$35,538,284$8,844,225$423,521,733