Can I retire at age 35 with 2,270,000?

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 $2,270,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$187,454$185,785$184,156$182,566$181,013$177,941
2 years$92,799$91,071$89,396$87,772$86,197$83,111
3 years$61,252$59,516$57,845$56,236$54,687$51,684
4 years$45,481$43,750$42,096$40,515$39,003$36,106
5 years$36,021$34,301$32,669$31,119$29,649$26,866
6 years$29,716$28,009$26,401$24,887$23,461$20,795
7 years$25,215$23,522$21,939$20,461$19,080$16,532
8 years$21,840$20,163$18,606$17,164$15,829$13,398
9 years$19,217$17,555$16,026$14,620$13,330$11,015
10 years$17,120$15,474$13,972$12,602$11,358$9,157
11 years$15,405$13,776$12,300$10,968$9,768$7,679
12 years$13,977$12,364$10,916$9,620$8,465$6,485
13 years$12,769$11,174$9,753$8,493$7,381$5,508
14 years$11,735$10,157$8,763$7,539$6,471$4,700
15 years$10,840$9,278$7,912$6,724$5,697$4,026
16 years$10,057$8,513$7,173$6,020$5,035$3,460
17 years$9,367$7,840$6,527$5,409$4,465$2,981
18 years$8,755$7,244$5,959$4,875$3,970$2,575
19 years$8,207$6,714$5,455$4,405$3,538$2,229
20 years$7,715$6,239$5,006$3,989$3,160$1,932
21 years$7,270$5,811$4,605$3,621$2,828$1,677
22 years$6,867$5,425$4,244$3,292$2,535$1,458
23 years$6,499$5,074$3,919$2,998$2,276$1,269
24 years$6,162$4,754$3,624$2,734$2,045$1,105
25 years$5,852$4,461$3,357$2,497$1,841$963
26 years$5,567$4,193$3,113$2,283$1,658$840
27 years$5,304$3,946$2,891$2,090$1,495$733
28 years$5,059$3,718$2,687$1,915$1,349$640
29 years$4,832$3,508$2,501$1,756$1,218$559
30 years$4,621$3,313$2,329$1,612$1,100$489
31 years$4,423$3,131$2,172$1,480$995$428
32 years$4,238$2,963$2,026$1,360$900$374
33 years$4,065$2,806$1,892$1,251$814$327
34 years$3,903$2,659$1,768$1,151$737$286
35 years$3,750$2,522$1,653$1,059$668$251
36 years$3,605$2,394$1,546$976$605$219
37 years$3,469$2,274$1,447$899$548$192
38 years$3,341$2,161$1,355$829$497$168
39 years$3,219$2,055$1,270$764$451$147
40 years$3,103$1,955$1,190$705$409$129
41 years$2,994$1,861$1,116$650$371$113
42 years$2,890$1,772$1,047$600$337$99
43 years$2,791$1,689$982$554$306$87
44 years$2,697$1,610$922$511$277$76
45 years$2,607$1,535$866$472$252$66
46 years$2,522$1,464$813$436$229$58
47 years$2,440$1,397$764$403$208$51
48 years$2,362$1,334$718$372$189$45
49 years$2,288$1,274$675$344$171$39
50 years$2,216$1,217$634$318$156$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,270,000, adding $3,240 every year, while hoping to spend $51,869 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: 43/45/12 Blend
34$2,270,000$2,270,000$2,270,000$2,270,000
35$2,504,882$2,384,572$2,349,387$2,603,738
36$2,705,192$2,446,228$2,372,903$2,734,771
37$2,924,195$2,509,166$2,395,469$2,871,178
38$3,163,743$2,573,396$2,416,997$3,017,805
39$3,425,875$2,638,923$2,437,397$3,175,610
40$3,712,837$2,705,752$2,456,573$3,345,648
41$4,027,101$2,773,889$2,474,422$3,529,081
42$4,371,389$2,843,334$2,490,840$3,727,185
43$4,748,702$2,914,088$2,505,714$3,941,369
44$5,162,340$2,986,148$2,518,926$4,173,181
45$5,615,941$3,059,512$2,530,352$4,424,329
46$6,113,511$3,134,173$2,539,863$4,696,691
47$6,659,464$3,210,121$2,547,323$4,992,338
48$7,258,657$3,287,346$2,552,587$5,313,550
49$7,916,447$3,365,832$2,555,505$5,662,838
50$8,638,729$3,445,563$2,555,919$6,042,969
51$9,432,001$3,526,516$2,553,663$6,456,991
52$10,303,418$3,608,668$2,548,564$6,908,261
53$11,260,864$3,691,991$2,540,438$7,400,481
54$12,313,024$3,776,450$2,529,095$7,937,726
55$13,469,466$3,862,011$2,514,334$8,524,488
56$14,740,732$3,948,629$2,495,944$9,165,717
57$16,138,435$4,036,260$2,473,706$9,866,866
58$17,675,368$4,124,850$2,447,388$10,633,946
59$19,365,630$4,214,342$2,416,750$11,473,579
60$21,224,750$4,304,671$2,381,537$12,393,062
61$23,269,842$4,395,766$2,341,486$13,400,440
62$25,519,758$4,487,551$2,296,317$14,504,574
63$27,995,271$4,579,939$2,245,742$15,715,233
64$30,719,271$4,672,838$2,189,457$17,043,181
65$33,716,976$4,766,147$2,127,143$18,500,281
66$37,016,174$4,859,754$2,058,468$20,099,608
67$40,647,482$4,953,540$1,983,085$21,855,570
68$44,644,636$5,047,375$1,900,630$23,784,048
69$49,044,810$5,141,117$1,810,722$25,902,544
70$53,888,964$5,234,616$1,712,965$28,230,345
71$59,222,232$5,327,705$1,606,943$30,788,710
72$65,094,346$5,420,209$1,492,221$33,601,069
73$71,560,106$5,511,936$1,368,347$36,693,242
74$78,679,897$5,602,681$1,234,847$40,093,688
75$86,520,257$5,692,223$1,091,225$43,833,773
76$95,154,507$5,780,325$936,965$47,948,063
77$104,663,439$5,866,734$771,526$52,474,658
78$115,136,083$5,951,177$594,345$57,455,546
79$126,670,541$6,033,362$404,833$62,937,004
80$139,374,917$6,112,978$202,376$68,970,034
81$153,368,334$6,189,690$0$75,610,849
82$168,782,062$6,263,142$0$82,923,152
83$185,760,749$6,332,953$0$91,001,235
84$204,463,794$6,398,716$0$99,894,500
85$225,066,847$6,459,999$0$109,685,974
86$247,763,465$6,516,339$0$120,467,159
87$272,766,942$6,567,243$0$132,338,892
88$300,312,319$6,612,186$0$145,412,303
89$330,658,603$6,650,611$0$159,809,860
90$364,091,213$6,681,924$0$175,666,531
91$400,924,671$6,705,492$0$193,131,057
92$441,505,569$6,720,643$0$212,367,356
93$486,215,847$6,726,664$0$233,556,077
94$535,476,390$6,722,797$0$256,896,301
95$589,751,003$6,708,236$0$282,607,427
96$649,550,792$6,682,126$0$310,931,244
97$715,438,982$6,643,560$0$342,134,212
98$788,036,240$6,591,575$0$376,509,986
99$868,026,525$6,525,152$0$414,382,184
100$956,163,554$6,443,207$0$456,107,451