Can I retire at age 35 with 2,260,000?

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 $2,260,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$186,629$184,966$183,344$181,761$180,216$176,073
2 years$92,390$90,670$89,002$87,385$85,817$81,667
3 years$60,982$59,254$57,590$55,989$54,446$50,417
4 years$45,281$43,558$41,911$40,337$38,831$34,955
5 years$35,862$34,150$32,525$30,982$29,519$25,806
6 years$29,585$27,886$26,285$24,777$23,357$19,812
7 years$25,104$23,419$21,843$20,370$18,996$15,618
8 years$21,744$20,074$18,524$17,088$15,759$12,548
9 years$19,132$17,478$15,955$14,555$13,271$10,224
10 years$17,044$15,406$13,910$12,547$11,308$8,421
11 years$15,337$13,715$12,246$10,920$9,725$6,995
12 years$13,915$12,310$10,868$9,578$8,427$5,850
13 years$12,713$11,125$9,710$8,456$7,349$4,919
14 years$11,683$10,112$8,724$7,506$6,442$4,155
15 years$10,792$9,237$7,877$6,694$5,672$3,523
16 years$10,013$8,475$7,142$5,994$5,013$2,995
17 years$9,326$7,805$6,499$5,385$4,445$2,554
18 years$8,716$7,212$5,932$4,853$3,952$2,182
19 years$8,171$6,684$5,431$4,385$3,523$1,867
20 years$7,681$6,211$4,984$3,972$3,146$1,601
21 years$7,238$5,786$4,584$3,605$2,816$1,374
22 years$6,836$5,401$4,225$3,278$2,524$1,180
23 years$6,470$5,051$3,901$2,985$2,266$1,015
24 years$6,135$4,733$3,608$2,722$2,036$874
25 years$5,827$4,441$3,342$2,486$1,832$753
26 years$5,543$4,174$3,099$2,273$1,651$649
27 years$5,280$3,928$2,878$2,081$1,488$559
28 years$5,037$3,702$2,675$1,906$1,343$483
29 years$4,811$3,492$2,490$1,748$1,213$416
30 years$4,600$3,298$2,319$1,604$1,096$360
31 years$4,404$3,118$2,162$1,474$991$310
32 years$4,220$2,950$2,017$1,354$896$268
33 years$4,047$2,794$1,883$1,245$811$232
34 years$3,885$2,648$1,760$1,146$734$200
35 years$3,733$2,511$1,645$1,055$665$173
36 years$3,589$2,384$1,539$971$602$150
37 years$3,454$2,264$1,441$895$546$129
38 years$3,326$2,152$1,349$825$495$112
39 years$3,205$2,046$1,264$761$449$97
40 years$3,090$1,946$1,185$702$407$84
41 years$2,981$1,853$1,111$647$369$72
42 years$2,877$1,765$1,042$597$335$62
43 years$2,779$1,681$978$551$304$54
44 years$2,685$1,603$918$509$276$47
45 years$2,596$1,528$862$470$251$40
46 years$2,511$1,458$809$434$228$35
47 years$2,430$1,391$760$401$207$30
48 years$2,352$1,328$715$371$188$26
49 years$2,278$1,268$672$343$170$23
50 years$2,207$1,212$631$317$155$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,260,000, adding $5,344 every year, while hoping to spend $23,352 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: 51/41/8 Blend
34$2,260,000$2,260,000$2,260,000$2,260,000
35$2,496,032$2,376,252$2,341,222$2,617,982
36$2,725,781$2,467,842$2,394,807$2,793,199
37$2,978,182$2,563,138$2,449,404$2,980,611
38$3,255,520$2,662,295$2,505,023$3,183,786
39$3,560,314$2,765,478$2,561,672$3,404,211
40$3,895,338$2,872,859$2,619,360$3,643,518
41$4,263,649$2,984,615$2,678,094$3,903,504
42$4,668,613$3,100,933$2,737,882$4,186,140
43$5,113,941$3,222,008$2,798,731$4,493,598
44$5,603,719$3,348,043$2,860,645$4,828,262
45$6,142,452$3,479,251$2,923,630$5,192,755
46$6,735,102$3,615,853$2,987,691$5,589,961
47$7,387,134$3,758,082$3,052,831$6,023,052
48$8,104,573$3,906,179$3,119,052$6,495,520
49$8,894,054$4,060,397$3,186,355$7,011,202
50$9,762,892$4,221,001$3,254,742$7,574,322
51$10,719,143$4,388,266$3,324,212$8,189,527
52$11,771,685$4,562,481$3,394,763$8,861,931
53$12,930,301$4,743,946$3,466,391$9,597,161
54$14,205,770$4,932,978$3,539,094$10,401,411
55$15,609,969$5,129,904$3,612,864$11,281,497
56$17,155,985$5,335,069$3,687,694$12,244,920
57$18,858,240$5,548,831$3,763,576$13,299,941
58$20,732,623$5,771,567$3,840,499$14,455,651
59$22,796,645$6,003,668$3,918,450$15,722,058
60$25,069,601$6,245,545$3,997,415$17,110,181
61$27,572,750$6,497,627$4,077,378$18,632,154
62$30,329,520$6,760,361$4,158,321$20,301,333
63$33,365,729$7,034,216$4,240,222$22,132,427
64$36,709,822$7,319,682$4,323,059$24,141,635
65$40,393,148$7,617,270$4,406,805$26,346,791
66$44,450,250$7,927,516$4,491,433$28,767,538
67$48,919,191$8,250,980$4,576,912$31,425,507
68$53,841,917$8,588,247$4,663,207$34,344,520
69$59,264,649$8,939,928$4,750,282$37,550,816
70$65,238,323$9,306,664$4,838,095$41,073,293
71$71,819,064$9,689,123$4,926,604$44,943,779
72$79,068,724$10,088,005$5,015,760$49,197,333
73$87,055,459$10,504,042$5,105,513$53,872,570
74$95,854,375$10,937,999$5,195,807$59,012,028
75$105,548,237$11,390,677$5,286,582$64,662,560
76$116,228,249$11,862,913$5,377,775$70,875,780
77$127,994,917$12,355,582$5,469,317$77,708,546
78$140,958,993$12,869,600$5,561,134$85,223,490
79$155,242,526$13,405,926$5,653,148$93,489,613
80$170,980,010$13,965,562$5,745,274$102,582,927
81$188,319,653$14,549,557$5,837,423$112,587,171
82$207,424,780$15,159,008$5,929,499$123,594,602
83$228,475,370$15,795,062$6,021,399$135,706,858
84$251,669,758$16,458,920$6,113,017$149,035,913
85$277,226,505$17,151,839$6,204,235$163,705,135
86$305,386,464$17,875,134$6,294,932$179,850,443
87$336,415,048$18,630,181$6,384,977$197,621,587
88$370,604,741$19,418,418$6,474,232$217,183,556
89$408,277,857$20,241,353$6,562,551$238,718,132
90$449,789,581$21,100,562$6,649,779$262,425,603
91$495,531,323$21,997,694$6,735,752$288,526,646
92$545,934,414$22,934,477$6,820,295$317,264,404
93$601,474,176$23,912,718$6,903,226$348,906,781
94$662,674,408$24,934,307$6,984,351$383,748,962
95$730,112,335$26,001,225$7,063,464$422,116,191
96$804,424,052$27,115,545$7,140,349$464,366,841
97$886,310,532$28,279,433$7,214,777$510,895,788
98$976,544,243$29,495,162$7,286,509$562,138,130
99$1,075,976,439$30,765,108$7,355,290$618,573,291
100$1,185,545,196$32,091,759$7,420,853$680,729,537