Can I retire at age 35 with 2,430,000?

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 $2,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$200,667$198,880$197,136$195,434$193,772$188,628
2 years$99,340$97,490$95,697$93,958$92,272$87,126
3 years$65,569$63,711$61,922$60,200$58,541$53,554
4 years$48,687$46,834$45,064$43,371$41,752$36,961
5 years$38,560$36,719$34,971$33,313$31,739$27,159
6 years$31,811$29,983$28,262$26,641$25,114$20,748
7 years$26,992$25,180$23,486$21,903$20,425$16,273
8 years$23,380$21,584$19,918$18,374$16,944$13,005
9 years$20,571$18,793$17,155$15,650$14,269$10,539
10 years$18,326$16,565$14,956$13,491$12,158$8,633
11 years$16,490$14,747$13,167$11,741$10,457$7,130
12 years$14,962$13,236$11,686$10,298$9,061$5,928
13 years$13,669$11,961$10,440$9,092$7,902$4,955
14 years$12,562$10,873$9,381$8,071$6,927$4,159
15 years$11,604$9,932$8,469$7,198$6,099$3,504
16 years$10,766$9,113$7,679$6,445$5,390$2,960
17 years$10,027$8,392$6,987$5,791$4,779$2,507
18 years$9,372$7,755$6,379$5,218$4,249$2,128
19 years$8,786$7,187$5,839$4,715$3,788$1,809
20 years$8,259$6,679$5,359$4,271$3,383$1,540
21 years$7,783$6,221$4,929$3,876$3,028$1,313
22 years$7,351$5,807$4,543$3,524$2,714$1,120
23 years$6,957$5,431$4,195$3,209$2,436$957
24 years$6,596$5,089$3,879$2,927$2,190$818
25 years$6,265$4,775$3,593$2,673$1,970$699
26 years$5,960$4,488$3,332$2,444$1,775$598
27 years$5,677$4,224$3,094$2,237$1,600$512
28 years$5,416$3,980$2,877$2,050$1,444$439
29 years$5,173$3,755$2,677$1,880$1,304$376
30 years$4,946$3,546$2,494$1,725$1,178$322
31 years$4,735$3,352$2,325$1,584$1,065$276
32 years$4,537$3,172$2,169$1,456$963$237
33 years$4,352$3,004$2,025$1,339$872$203
34 years$4,178$2,847$1,892$1,232$789$174
35 years$4,014$2,700$1,769$1,134$715$149
36 years$3,859$2,563$1,655$1,045$648$128
37 years$3,714$2,434$1,549$962$587$110
38 years$3,576$2,313$1,451$887$532$94
39 years$3,446$2,200$1,359$818$483$81
40 years$3,322$2,093$1,274$754$438$69
41 years$3,205$1,992$1,194$696$397$60
42 years$3,094$1,897$1,120$642$360$51
43 years$2,988$1,808$1,051$593$327$44
44 years$2,887$1,723$987$548$297$38
45 years$2,791$1,643$927$506$270$32
46 years$2,700$1,568$870$467$245$28
47 years$2,612$1,496$818$432$222$24
48 years$2,529$1,428$768$399$202$20
49 years$2,449$1,364$722$369$183$18
50 years$2,373$1,303$679$341$166$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,430,000, adding $3,338 every year, while hoping to spend $51,304 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: 55/29/16 Blend
34$2,430,000$2,430,000$2,430,000$2,430,000
35$2,681,303$2,552,513$2,514,848$2,817,233
36$2,900,209$2,622,999$2,544,509$2,980,650
37$3,139,724$2,695,220$2,573,443$3,152,705
38$3,401,895$2,769,205$2,601,573$3,338,900
39$3,688,979$2,844,987$2,628,816$3,540,598
40$4,003,458$2,922,594$2,655,085$3,759,299
41$4,348,067$3,002,058$2,680,286$3,996,655
42$4,725,819$3,083,407$2,704,325$4,254,484
43$5,140,030$3,166,671$2,727,097$4,534,790
44$5,594,354$3,251,879$2,748,496$4,839,777
45$6,092,815$3,339,059$2,768,407$5,171,875
46$6,639,846$3,428,237$2,786,713$5,533,758
47$7,240,330$3,519,440$2,803,288$5,928,374
48$7,899,644$3,612,693$2,817,999$6,358,969
49$8,623,714$3,708,021$2,830,708$6,829,118
50$9,419,066$3,805,447$2,841,269$7,342,760
51$10,292,889$3,904,992$2,849,530$7,904,233
52$11,253,104$4,006,677$2,855,329$8,518,319
53$12,308,436$4,110,520$2,858,499$9,190,284
54$13,468,500$4,216,538$2,858,861$9,925,931
55$14,743,884$4,324,747$2,856,231$10,731,652
56$16,146,259$4,435,157$2,850,413$11,614,491
57$17,688,478$4,547,781$2,841,202$12,582,211
58$19,384,705$4,662,625$2,828,385$13,643,361
59$21,250,546$4,779,694$2,811,737$14,807,365
60$23,303,193$4,898,991$2,791,022$16,084,606
61$25,561,591$5,020,513$2,765,993$17,486,525
62$28,046,612$5,144,257$2,736,393$19,025,728
63$30,781,254$5,270,213$2,701,949$20,716,107
64$33,790,856$5,398,368$2,662,379$22,572,970
65$37,103,341$5,528,705$2,617,386$24,613,187
66$40,749,472$5,661,202$2,566,659$26,855,345
67$44,763,148$5,795,831$2,509,872$29,319,930
68$49,181,723$5,932,560$2,446,686$32,029,514
69$54,046,352$6,071,350$2,376,744$35,008,973
70$59,402,390$6,212,155$2,299,674$38,285,719
71$65,299,807$6,354,924$2,215,087$41,889,961
72$71,793,669$6,499,597$2,122,574$45,854,990
73$78,944,654$6,646,108$2,021,711$50,217,490
74$86,819,622$6,794,381$1,912,052$55,017,891
75$95,492,250$6,944,332$1,793,131$60,300,745
76$105,043,721$7,095,866$1,664,463$66,115,150
77$115,563,498$7,248,880$1,525,540$72,515,213
78$127,150,159$7,403,260$1,375,830$79,560,560
79$139,912,334$7,558,878$1,214,779$87,316,902
80$153,969,725$7,715,597$1,041,808$95,856,654
81$169,454,241$7,873,265$856,311$105,259,618
82$186,511,234$8,031,715$657,659$115,613,740
83$205,300,880$8,190,769$445,190$127,015,938
84$225,999,682$8,350,230$218,217$139,573,019
85$248,802,143$8,509,884$0$153,402,686
86$273,922,596$8,669,503$0$168,638,751
87$301,597,227$8,828,835$0$185,460,089
88$332,086,309$8,987,612$0$203,987,073
89$365,676,651$9,145,544$0$224,393,450
90$402,684,310$9,302,317$0$246,870,686
91$443,457,573$9,457,594$0$271,629,775
92$488,380,242$9,611,012$0$298,903,227
93$537,875,258$9,762,183$0$328,947,268
94$592,408,693$9,910,689$0$362,044,256
95$652,494,149$10,056,081$0$398,505,349
96$718,697,603$10,197,880$0$438,673,438
97$791,642,755$10,335,573$0$482,926,390
98$872,016,909$10,468,609$0$531,680,614
99$960,577,465$10,596,402$0$585,394,987
100$1,058,159,065$10,718,324$0$644,575,197