Can I retire at age 35 with 2,390,000?

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 $2,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$197,364$195,606$193,891$192,217$190,582$186,126
2 years$97,705$95,885$94,122$92,412$90,753$86,289
3 years$64,490$62,662$60,903$59,209$57,578$53,245
4 years$47,885$46,063$44,322$42,657$41,065$36,897
5 years$37,925$36,114$34,396$32,765$31,217$27,226
6 years$31,287$29,490$27,797$26,202$24,701$20,890
7 years$26,548$24,766$23,099$21,542$20,088$16,459
8 years$22,995$21,229$19,590$18,071$16,665$13,215
9 years$20,233$18,483$16,873$15,393$14,035$10,762
10 years$18,025$16,292$14,710$13,269$11,958$8,859
11 years$16,219$14,504$12,951$11,548$10,284$7,354
12 years$14,715$13,018$11,493$10,129$8,912$6,146
13 years$13,444$11,764$10,268$8,942$7,772$5,165
14 years$12,355$10,694$9,226$7,938$6,813$4,359
15 years$11,413$9,769$8,330$7,079$5,998$3,693
16 years$10,589$8,963$7,552$6,339$5,301$3,138
17 years$9,862$8,254$6,872$5,695$4,701$2,673
18 years$9,217$7,627$6,274$5,133$4,180$2,282
19 years$8,641$7,069$5,743$4,638$3,725$1,952
20 years$8,123$6,569$5,271$4,200$3,327$1,672
21 years$7,655$6,119$4,848$3,812$2,978$1,434
22 years$7,230$5,711$4,468$3,466$2,669$1,231
23 years$6,842$5,342$4,126$3,157$2,396$1,058
24 years$6,488$5,005$3,816$2,879$2,154$910
25 years$6,162$4,697$3,534$2,629$1,938$783
26 years$5,862$4,414$3,278$2,404$1,746$674
27 years$5,584$4,154$3,044$2,201$1,574$581
28 years$5,327$3,915$2,829$2,016$1,420$501
29 years$5,088$3,693$2,633$1,849$1,282$432
30 years$4,865$3,488$2,453$1,697$1,159$373
31 years$4,657$3,297$2,286$1,558$1,047$321
32 years$4,463$3,120$2,133$1,432$948$277
33 years$4,280$2,954$1,992$1,317$858$239
34 years$4,109$2,800$1,861$1,212$776$207
35 years$3,948$2,656$1,740$1,115$703$179
36 years$3,796$2,521$1,628$1,027$637$154
37 years$3,653$2,394$1,523$947$577$133
38 years$3,517$2,275$1,427$872$524$115
39 years$3,389$2,164$1,337$804$475$99
40 years$3,268$2,058$1,253$742$431$86
41 years$3,152$1,959$1,175$685$391$74
42 years$3,043$1,866$1,102$632$354$64
43 years$2,939$1,778$1,034$583$322$55
44 years$2,840$1,695$971$538$292$48
45 years$2,745$1,616$911$497$265$41
46 years$2,655$1,542$856$459$241$36
47 years$2,569$1,471$804$424$219$31
48 years$2,487$1,405$756$392$198$27
49 years$2,409$1,341$710$362$180$23
50 years$2,333$1,281$668$335$164$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,390,000, adding $4,547 every year, while hoping to spend $27,236 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: 29/42/29 Blend
34$2,390,000$2,390,000$2,390,000$2,390,000
35$2,638,470$2,511,800$2,474,755$2,691,292
36$2,878,615$2,605,900$2,528,681$2,827,674
37$3,142,342$2,703,697$2,583,500$2,971,528
38$3,432,028$2,805,345$2,639,214$3,125,644
39$3,750,290$2,911,002$2,695,823$3,290,930
40$4,100,013$3,020,835$2,753,326$3,468,379
41$4,484,375$3,135,016$2,811,723$3,659,084
42$4,906,875$3,253,726$2,871,010$3,864,241
43$5,371,371$3,377,153$2,931,183$4,085,164
44$5,882,112$3,505,494$2,992,239$4,323,298
45$6,443,778$3,638,954$3,054,169$4,580,227
46$7,061,527$3,777,747$3,116,968$4,857,691
47$7,741,042$3,922,095$3,180,625$5,157,601
48$8,488,584$4,072,233$3,245,132$5,482,058
49$9,311,050$4,228,403$3,310,474$5,833,371
50$10,216,042$4,390,860$3,376,640$6,214,076
51$11,211,933$4,559,867$3,443,613$6,626,961
52$12,307,952$4,735,703$3,511,376$7,075,093
53$13,514,266$4,918,655$3,579,909$7,561,842
54$14,842,077$5,109,025$3,649,192$8,090,915
55$16,303,730$5,307,128$3,719,201$8,666,388
56$17,912,825$5,513,292$3,789,909$9,292,746
57$19,684,351$5,727,861$3,861,289$9,974,920
58$21,634,822$5,951,194$3,933,309$10,718,338
59$23,782,435$6,183,663$4,005,936$11,528,969
60$26,147,241$6,425,661$4,079,133$12,413,383
61$28,751,337$6,677,595$4,152,860$13,378,809
62$31,619,067$6,939,891$4,227,076$14,433,203
63$34,777,262$7,212,996$4,301,733$15,585,322
64$38,255,484$7,497,374$4,376,782$16,844,802
65$42,086,309$7,793,510$4,452,170$18,222,255
66$46,305,634$8,101,914$4,527,839$19,729,357
67$50,953,016$8,423,115$4,603,729$21,378,966
68$56,072,044$8,757,668$4,679,773$23,185,236
69$61,710,749$9,106,150$4,755,903$25,163,753
70$67,922,062$9,469,169$4,832,042$27,331,675
71$74,764,309$9,847,354$4,908,112$29,707,898
72$82,301,762$10,241,368$4,984,028$32,313,226
73$90,605,248$10,651,901$5,059,699$35,170,573
74$99,752,813$11,079,674$5,135,028$38,305,170
75$109,830,464$11,525,442$5,209,915$41,744,805
76$120,932,975$11,989,992$5,284,252$45,520,080
77$133,164,786$12,474,150$5,357,922$49,664,701
78$146,640,986$12,978,775$5,430,804$54,215,792
79$161,488,401$13,504,769$5,502,770$59,214,241
80$177,846,787$14,053,073$5,573,683$64,705,087
81$195,870,157$14,624,670$5,643,398$70,737,938
82$215,728,224$15,220,590$5,711,763$77,367,441
83$237,608,012$15,841,909$5,778,617$84,653,789
84$261,715,618$16,489,751$5,843,789$92,663,291
85$288,278,154$17,165,292$5,907,099$101,468,994
86$317,545,897$17,869,762$5,968,357$111,151,364
87$349,794,645$18,604,447$6,027,364$121,799,050
88$385,328,327$19,370,693$6,083,909$133,509,709
89$424,481,864$20,169,905$6,137,768$146,390,931
90$467,624,339$21,003,555$6,188,708$160,561,243
91$515,162,475$21,873,182$6,236,483$176,151,231
92$567,544,474$22,780,395$6,280,832$193,304,763
93$625,264,253$23,726,877$6,321,483$212,180,345
94$688,866,103$24,714,390$6,358,148$232,952,612
95$758,949,825$25,744,775$6,390,525$255,813,969
96$836,176,397$26,819,959$6,418,298$280,976,406
97$921,274,211$27,941,958$6,441,133$308,673,491
98$1,015,045,948$29,112,882$6,458,678$339,162,570
99$1,118,376,159$30,334,937$6,470,568$372,727,188
100$1,232,239,609$31,610,431$6,476,414$409,679,765