Can I retire at age 35 with 2,280,000?

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 $2,280,000?

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 years$188,280$186,603$184,967$183,370$181,810$178,067
2 years$93,208$91,472$89,790$88,159$86,576$82,822
3 years$61,521$59,778$58,100$56,484$54,928$51,279
4 years$45,681$43,943$42,282$40,694$39,175$35,661
5 years$36,180$34,452$32,812$31,257$29,780$26,410
6 years$29,847$28,133$26,517$24,996$23,564$20,342
7 years$25,326$23,626$22,036$20,551$19,164$16,090
8 years$21,936$20,252$18,688$17,239$15,898$12,972
9 years$19,302$17,633$16,096$14,684$13,389$10,608
10 years$17,195$15,542$14,033$12,658$11,408$8,770
11 years$15,472$13,836$12,354$11,016$9,811$7,313
12 years$14,038$12,419$10,964$9,663$8,502$6,140
13 years$12,825$11,223$9,796$8,531$7,414$5,184
14 years$11,787$10,201$8,802$7,573$6,499$4,396
15 years$10,887$9,319$7,947$6,753$5,722$3,742
16 years$10,101$8,550$7,205$6,047$5,057$3,196
17 years$9,408$7,874$6,556$5,433$4,484$2,736
18 years$8,793$7,276$5,985$4,896$3,987$2,348
19 years$8,243$6,744$5,479$4,424$3,554$2,019
20 years$7,749$6,266$5,028$4,007$3,174$1,738
21 years$7,302$5,837$4,625$3,637$2,841$1,499
22 years$6,897$5,449$4,263$3,307$2,546$1,294
23 years$6,527$5,096$3,936$3,011$2,286$1,118
24 years$6,189$4,775$3,640$2,747$2,054$967
25 years$5,878$4,481$3,371$2,508$1,849$837
26 years$5,592$4,211$3,127$2,293$1,665$725
27 years$5,327$3,963$2,903$2,099$1,501$628
28 years$5,082$3,734$2,699$1,923$1,355$544
29 years$4,854$3,523$2,512$1,764$1,223$472
30 years$4,641$3,327$2,340$1,619$1,105$410
31 years$4,443$3,145$2,181$1,487$999$355
32 years$4,257$2,976$2,035$1,366$904$309
33 years$4,083$2,818$1,900$1,256$818$268
34 years$3,920$2,671$1,775$1,156$741$233
35 years$3,766$2,534$1,660$1,064$671$202
36 years$3,621$2,405$1,553$980$608$176
37 years$3,484$2,284$1,453$903$551$153
38 years$3,355$2,171$1,361$832$499$133
39 years$3,233$2,064$1,275$767$453$115
40 years$3,117$1,964$1,195$708$411$100
41 years$3,007$1,869$1,121$653$373$87
42 years$2,903$1,780$1,051$603$338$76
43 years$2,803$1,696$986$556$307$66
44 years$2,709$1,617$926$514$279$57
45 years$2,619$1,542$869$474$253$50
46 years$2,533$1,471$817$438$230$43
47 years$2,451$1,404$767$405$209$38
48 years$2,373$1,340$721$374$189$33
49 years$2,298$1,280$678$346$172$28
50 years$2,226$1,222$637$320$156$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,280,000, adding $2,112 every year, while hoping to spend $24,685 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: 48/27/25 Blend
34$2,280,000$2,280,000$2,280,000$2,280,000
35$2,514,739$2,393,899$2,358,559$2,617,459
36$2,744,977$2,484,935$2,411,306$2,780,666
37$2,997,873$2,579,605$2,464,992$2,955,180
38$3,275,711$2,678,060$2,519,624$3,144,207
39$3,581,007$2,780,459$2,575,206$3,349,122
40$3,916,536$2,886,968$2,631,742$3,571,442
41$4,285,353$2,997,759$2,689,235$3,812,831
42$4,690,822$3,113,013$2,747,688$4,075,122
43$5,136,653$3,232,918$2,807,102$4,360,331
44$5,626,931$3,357,670$2,867,479$4,670,675
45$6,166,157$3,487,474$2,928,819$5,008,591
46$6,759,290$3,622,546$2,991,119$5,376,765
47$7,411,795$3,763,107$3,054,379$5,778,150
48$8,129,691$3,909,393$3,118,594$6,215,994
49$8,919,612$4,061,646$3,183,759$6,693,876
50$9,788,867$4,220,121$3,249,870$7,215,730
51$10,745,509$4,385,085$3,316,918$7,785,892
52$11,798,411$4,556,814$3,384,895$8,409,130
53$12,957,350$4,735,599$3,453,790$9,090,697
54$14,233,100$4,921,743$3,523,591$9,836,373
55$15,637,529$5,115,562$3,594,285$10,652,523
56$17,183,719$5,317,387$3,665,856$11,546,155
57$18,886,083$5,527,562$3,738,286$12,524,988
58$20,760,500$5,746,450$3,811,556$13,597,519
59$22,824,471$5,974,426$3,885,643$14,773,104
60$25,097,279$6,211,885$3,960,524$16,062,050
61$27,600,172$6,459,237$4,036,171$17,475,706
62$30,356,563$6,716,913$4,112,557$19,026,572
63$33,392,253$6,985,363$4,189,648$20,728,412
64$36,735,672$7,265,055$4,267,410$22,596,391
65$40,418,148$7,556,480$4,345,806$24,647,209
66$44,474,203$7,860,152$4,424,795$26,899,261
67$48,941,878$8,176,605$4,504,331$29,372,810
68$53,863,092$8,506,401$4,584,369$32,090,175
69$59,284,037$8,850,125$4,664,856$35,075,945
70$65,255,617$9,208,389$4,745,736$38,357,203
71$71,833,923$9,581,833$4,826,951$41,963,786
72$79,080,767$9,971,127$4,908,438$45,928,563
73$87,064,262$10,376,969$4,990,127$50,287,743
74$95,859,466$10,800,090$5,071,947$55,081,220
75$105,549,094$11,241,256$5,153,818$60,352,940
76$116,224,290$11,701,266$5,235,660$66,151,322
77$127,985,495$12,180,956$5,317,382$72,529,709
78$140,943,393$12,681,200$5,398,892$79,546,871
79$155,219,953$13,202,913$5,480,088$87,267,558
80$170,949,582$13,747,050$5,560,866$95,763,111
81$188,280,395$14,314,611$5,641,110$105,112,130
82$207,375,611$14,906,642$5,720,703$115,401,217
83$228,415,093$15,524,238$5,799,516$126,725,789
84$251,597,048$16,168,541$5,877,416$139,190,980
85$277,139,897$16,840,749$5,954,259$152,912,628
86$305,284,334$17,542,113$6,029,894$168,018,366
87$336,295,603$18,273,944$6,104,163$184,648,828
88$370,465,998$19,037,611$6,176,896$202,958,970
89$408,117,624$19,834,547$6,247,915$223,119,532
90$449,605,433$20,666,252$6,317,033$245,318,648
91$495,320,584$21,534,295$6,384,049$269,763,617
92$545,694,125$22,440,317$6,448,756$296,682,858
93$601,201,068$23,386,035$6,510,933$326,328,063
94$662,364,874$24,373,247$6,570,345$358,976,570
95$729,762,388$25,403,833$6,626,749$394,933,978
96$804,029,292$26,479,762$6,679,885$434,537,028
97$885,866,101$27,603,091$6,729,483$478,156,777
98$976,044,778$28,775,978$6,775,255$526,202,101
99$1,075,416,021$30,000,676$6,816,902$579,123,544
100$1,184,917,292$31,279,547$6,854,106$637,417,576