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%15.1%
1 years$200,667$198,880$197,136$195,434$193,772$189,704
2 years$99,340$97,490$95,697$93,958$92,272$88,193
3 years$65,569$63,711$61,922$60,200$58,541$54,579
4 years$48,687$46,834$45,064$43,371$41,752$37,936
5 years$38,560$36,719$34,971$33,313$31,739$28,080
6 years$31,811$29,983$28,262$26,641$25,114$21,617
7 years$26,992$25,180$23,486$21,903$20,425$17,089
8 years$23,380$21,584$19,918$18,374$16,944$13,769
9 years$20,571$18,793$17,155$15,650$14,269$11,253
10 years$18,326$16,565$14,956$13,491$12,158$9,298
11 years$16,490$14,747$13,167$11,741$10,457$7,748
12 years$14,962$13,236$11,686$10,298$9,061$6,501
13 years$13,669$11,961$10,440$9,092$7,902$5,485
14 years$12,562$10,873$9,381$8,071$6,927$4,648
15 years$11,604$9,932$8,469$7,198$6,099$3,954
16 years$10,766$9,113$7,679$6,445$5,390$3,375
17 years$10,027$8,392$6,987$5,791$4,779$2,887
18 years$9,372$7,755$6,379$5,218$4,249$2,476
19 years$8,786$7,187$5,839$4,715$3,788$2,127
20 years$8,259$6,679$5,359$4,271$3,383$1,830
21 years$7,783$6,221$4,929$3,876$3,028$1,577
22 years$7,351$5,807$4,543$3,524$2,714$1,360
23 years$6,957$5,431$4,195$3,209$2,436$1,174
24 years$6,596$5,089$3,879$2,927$2,190$1,015
25 years$6,265$4,775$3,593$2,673$1,970$878
26 years$5,960$4,488$3,332$2,444$1,775$759
27 years$5,677$4,224$3,094$2,237$1,600$657
28 years$5,416$3,980$2,877$2,050$1,444$570
29 years$5,173$3,755$2,677$1,880$1,304$494
30 years$4,946$3,546$2,494$1,725$1,178$428
31 years$4,735$3,352$2,325$1,584$1,065$371
32 years$4,537$3,172$2,169$1,456$963$322
33 years$4,352$3,004$2,025$1,339$872$279
34 years$4,178$2,847$1,892$1,232$789$242
35 years$4,014$2,700$1,769$1,134$715$210
36 years$3,859$2,563$1,655$1,045$648$182
37 years$3,714$2,434$1,549$962$587$158
38 years$3,576$2,313$1,451$887$532$137
39 years$3,446$2,200$1,359$818$483$119
40 years$3,322$2,093$1,274$754$438$104
41 years$3,205$1,992$1,194$696$397$90
42 years$3,094$1,897$1,120$642$360$78
43 years$2,988$1,808$1,051$593$327$68
44 years$2,887$1,723$987$548$297$59
45 years$2,791$1,643$927$506$270$51
46 years$2,700$1,568$870$467$245$44
47 years$2,612$1,496$818$432$222$39
48 years$2,529$1,428$768$399$202$34
49 years$2,449$1,364$722$369$183$29
50 years$2,373$1,303$679$341$166$25

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 $2,746 every year, while hoping to spend $40,446 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: 51/38/11 Blend
34$2,430,000$2,430,000$2,430,000$2,430,000
35$2,680,692$2,551,902$2,514,237$2,809,463
36$2,911,089$2,633,911$2,555,430$2,979,733
37$3,163,630$2,718,583$2,596,647$3,160,204
38$3,440,532$2,806,006$2,637,847$3,355,465
39$3,744,236$2,896,270$2,678,984$3,566,917
40$4,077,430$2,989,469$2,720,012$3,796,105
41$4,443,075$3,085,700$2,760,880$4,044,725
42$4,844,433$3,185,063$2,801,534$4,314,643
43$5,285,097$3,287,663$2,841,916$4,607,916
44$5,769,024$3,393,606$2,881,968$4,926,802
45$6,300,574$3,503,002$2,921,623$5,273,788
46$6,884,550$3,615,967$2,960,816$5,651,614
47$7,526,244$3,732,619$2,999,472$6,063,290
48$8,231,483$3,853,080$3,037,517$6,512,134
49$9,006,690$3,977,476$3,074,870$7,001,795
50$9,858,940$4,105,940$3,111,445$7,536,293
51$10,796,026$4,238,605$3,147,153$8,120,053
52$11,826,537$4,375,613$3,181,898$8,757,945
53$12,959,933$4,517,107$3,215,581$9,455,333
54$14,206,639$4,663,238$3,248,096$10,218,125
55$15,578,140$4,814,161$3,279,331$11,052,823
56$17,087,090$4,970,034$3,309,168$11,966,592
57$18,747,432$5,131,025$3,337,485$12,967,318
58$20,574,530$5,297,305$3,364,150$14,063,690
59$22,585,309$5,469,050$3,389,026$15,265,277
60$24,798,422$5,646,445$3,411,970$16,582,618
61$27,234,418$5,829,678$3,432,828$18,027,320
62$29,915,943$6,018,946$3,451,442$19,612,171
63$32,867,947$6,214,452$3,467,643$21,351,257
64$36,117,923$6,416,406$3,481,255$23,260,092
65$39,696,167$6,625,026$3,492,093$25,355,769
66$43,636,059$6,840,536$3,499,961$27,657,116
67$47,974,384$7,063,168$3,504,656$30,184,875
68$52,751,672$7,293,164$3,505,963$32,961,900
69$58,012,586$7,530,773$3,503,656$36,013,364
70$63,806,341$7,776,252$3,497,500$39,367,004
71$70,187,168$8,029,868$3,487,246$43,053,376
72$77,214,825$8,291,898$3,472,635$47,106,148
73$84,955,163$8,562,627$3,453,395$51,562,411
74$93,480,746$8,842,352$3,429,239$56,463,034
75$102,871,532$9,131,378$3,399,869$61,853,044
76$113,215,635$9,430,022$3,364,972$67,782,053
77$124,610,150$9,738,613$3,324,218$74,304,723
78$137,162,070$10,057,490$3,277,264$81,481,286
79$150,989,300$10,387,005$3,223,751$89,378,104
80$166,221,762$10,727,522$3,163,301$98,068,299
81$183,002,630$11,079,419$3,095,519$107,632,444
82$201,489,673$11,443,085$3,019,994$118,159,318
83$221,856,750$11,818,926$2,936,293$129,746,744
84$244,295,444$12,207,359$2,843,965$142,502,512
85$269,016,878$12,608,819$2,742,537$156,545,398
86$296,253,703$13,023,754$2,631,515$172,006,279
87$326,262,292$13,452,630$2,510,382$189,029,369
88$359,325,165$13,895,928$2,378,599$207,773,580
89$395,753,651$14,354,147$2,235,601$228,414,022
90$435,890,828$14,827,805$2,080,798$251,143,650
91$480,114,761$15,317,436$1,913,574$276,175,089
92$528,842,073$15,823,596$1,733,285$303,742,637
93$582,531,871$16,346,860$1,539,257$334,104,475
94$641,690,089$16,887,822$1,330,788$367,545,105
95$706,874,253$17,447,101$1,107,145$404,378,033
96$778,698,753$18,025,335$867,561$444,948,725
97$857,840,637$18,623,188$611,235$489,637,869
98$945,046,003$19,241,345$337,333$538,864,969
99$1,041,137,044$19,880,519$44,982$593,092,296
100$1,147,019,805$20,541,448$0$652,829,260