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%18.8%
1 years$197,364$195,606$193,891$192,217$190,582$183,820
2 years$97,705$95,885$94,122$92,412$90,753$84,013
3 years$64,490$62,662$60,903$59,209$57,578$51,070
4 years$47,885$46,063$44,322$42,657$41,065$34,841
5 years$37,925$36,114$34,396$32,765$31,217$25,292
6 years$31,287$29,490$27,797$26,202$24,701$19,080
7 years$26,548$24,766$23,099$21,542$20,088$14,770
8 years$22,995$21,229$19,590$18,071$16,665$11,645
9 years$20,233$18,483$16,873$15,393$14,035$9,306
10 years$18,025$16,292$14,710$13,269$11,958$7,513
11 years$16,219$14,504$12,951$11,548$10,284$6,114
12 years$14,715$13,018$11,493$10,129$8,912$5,006
13 years$13,444$11,764$10,268$8,942$7,772$4,120
14 years$12,355$10,694$9,226$7,938$6,813$3,403
15 years$11,413$9,769$8,330$7,079$5,998$2,821
16 years$10,589$8,963$7,552$6,339$5,301$2,344
17 years$9,862$8,254$6,872$5,695$4,701$1,952
18 years$9,217$7,627$6,274$5,133$4,180$1,629
19 years$8,641$7,069$5,743$4,638$3,725$1,361
20 years$8,123$6,569$5,271$4,200$3,327$1,138
21 years$7,655$6,119$4,848$3,812$2,978$953
22 years$7,230$5,711$4,468$3,466$2,669$799
23 years$6,842$5,342$4,126$3,157$2,396$670
24 years$6,488$5,005$3,816$2,879$2,154$562
25 years$6,162$4,697$3,534$2,629$1,938$472
26 years$5,862$4,414$3,278$2,404$1,746$397
27 years$5,584$4,154$3,044$2,201$1,574$333
28 years$5,327$3,915$2,829$2,016$1,420$280
29 years$5,088$3,693$2,633$1,849$1,282$235
30 years$4,865$3,488$2,453$1,697$1,159$198
31 years$4,657$3,297$2,286$1,558$1,047$166
32 years$4,463$3,120$2,133$1,432$948$140
33 years$4,280$2,954$1,992$1,317$858$118
34 years$4,109$2,800$1,861$1,212$776$99
35 years$3,948$2,656$1,740$1,115$703$83
36 years$3,796$2,521$1,628$1,027$637$70
37 years$3,653$2,394$1,523$947$577$59
38 years$3,517$2,275$1,427$872$524$50
39 years$3,389$2,164$1,337$804$475$42
40 years$3,268$2,058$1,253$742$431$35
41 years$3,152$1,959$1,175$685$391$30
42 years$3,043$1,866$1,102$632$354$25
43 years$2,939$1,778$1,034$583$322$21
44 years$2,840$1,695$971$538$292$18
45 years$2,745$1,616$911$497$265$15
46 years$2,655$1,542$856$459$241$13
47 years$2,569$1,471$804$424$219$11
48 years$2,487$1,405$756$392$198$9
49 years$2,409$1,341$710$362$180$7
50 years$2,333$1,281$668$335$164$6

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 $3,257 every year, while hoping to spend $45,894 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: 56/29/15 Blend
34$2,390,000$2,390,000$2,390,000$2,390,000
35$2,637,140$2,510,470$2,473,425$2,774,328
36$2,857,297$2,584,652$2,507,453$2,942,018
37$3,098,372$2,660,931$2,541,084$3,119,327
38$3,362,451$2,739,361$2,574,255$3,311,417
39$3,651,828$2,819,997$2,606,900$3,519,714
40$3,969,034$2,902,896$2,638,951$3,745,785
41$4,316,854$2,988,117$2,670,334$3,991,354
42$4,698,355$3,075,716$2,700,972$4,258,322
43$5,116,917$3,165,756$2,730,784$4,548,779
44$5,576,260$3,258,296$2,759,683$4,865,026
45$6,080,486$3,353,399$2,787,580$5,209,601
46$6,634,109$3,451,129$2,814,377$5,585,292
47$7,242,104$3,551,551$2,839,975$5,995,176
48$7,909,951$3,654,729$2,864,266$6,442,636
49$8,643,687$3,760,731$2,887,140$6,931,403
50$9,449,961$3,869,626$2,908,478$7,465,582
51$10,336,102$3,981,482$2,928,156$8,049,696
52$11,310,179$4,096,369$2,946,044$8,688,729
53$12,381,085$4,214,360$2,962,005$9,388,168
54$13,558,619$4,335,526$2,975,894$10,154,059
55$14,853,572$4,459,941$2,987,561$10,993,063
56$16,277,838$4,587,679$2,996,846$11,912,516
57$17,844,518$4,718,817$3,003,581$12,920,502
58$19,568,050$4,853,430$3,007,592$14,025,926
59$21,464,339$4,991,596$3,008,695$15,238,598
60$23,550,911$5,133,393$3,006,695$16,569,329
61$25,847,074$5,278,900$3,001,390$18,030,027
62$28,374,107$5,428,197$2,992,567$19,633,814
63$31,155,452$5,581,365$2,980,004$21,395,148
64$34,216,940$5,738,484$2,963,466$23,329,959
65$37,587,034$5,899,636$2,942,709$25,455,797
66$41,297,097$6,064,904$2,917,475$27,792,004
67$45,381,687$6,234,369$2,887,496$30,359,890
68$49,878,881$6,408,116$2,852,490$33,182,934
69$54,830,640$6,586,226$2,812,161$36,287,011
70$60,283,197$6,768,783$2,766,200$39,700,631
71$66,287,500$6,955,871$2,714,285$43,455,209
72$72,899,687$7,147,571$2,656,076$47,585,363
73$80,181,620$7,343,967$2,591,219$52,129,239
74$88,201,464$7,545,140$2,519,344$57,128,872
75$97,034,334$7,751,172$2,440,063$62,630,581
76$106,763,001$7,962,144$2,352,969$68,685,407
77$117,478,673$8,178,135$2,257,640$75,349,598
78$129,281,858$8,399,224$2,153,631$82,685,132
79$142,283,310$8,625,488$2,040,480$90,760,310
80$156,605,072$8,857,002$1,917,701$99,650,396
81$172,381,633$9,093,839$1,784,788$109,438,331
82$189,761,194$9,336,071$1,641,212$120,215,511
83$208,907,063$9,583,766$1,486,420$132,082,654
84$229,999,203$9,836,990$1,319,835$145,150,748
85$253,235,926$10,095,806$1,140,853$159,542,103
86$278,835,763$10,360,274$948,845$175,391,499
87$307,039,532$10,630,449$743,152$192,847,465
88$338,112,605$10,906,381$523,088$212,073,677
89$372,347,415$11,188,118$287,936$233,250,504
90$410,066,216$11,475,700$36,946$256,576,715
91$451,624,125$11,769,165$0$282,271,347
92$497,412,472$12,068,540$0$310,612,739
93$547,862,495$12,373,849$0$341,838,648
94$603,449,410$12,685,108$0$376,236,424
95$664,696,896$13,002,325$0$414,129,242
96$732,182,038$13,325,497$0$455,873,231
97$806,540,775$13,654,616$0$501,860,838
98$888,473,903$13,989,661$0$552,524,532
99$978,753,689$14,330,602$0$608,340,883
100$1,078,231,158$14,677,395$0$669,835,063