Can I retire at age 35 with 2,310,000?

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 $2,310,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$190,758$189,058$187,401$185,783$184,203$183,119
2 years$94,434$92,676$90,971$89,319$87,716$86,622
3 years$62,331$60,565$58,864$57,227$55,650$54,581
4 years$46,282$44,521$42,838$41,229$39,690$38,653
5 years$36,656$34,905$33,244$31,668$30,172$29,170
6 years$30,240$28,503$26,866$25,325$23,874$22,909
7 years$25,659$23,937$22,326$20,821$19,416$18,489
8 years$22,225$20,518$18,934$17,466$16,107$15,217
9 years$19,556$17,865$16,308$14,877$13,565$12,712
10 years$17,421$15,747$14,218$12,824$11,558$10,742
11 years$15,676$14,019$12,517$11,161$9,940$9,160
12 years$14,223$12,582$11,109$9,790$8,614$7,869
13 years$12,994$11,371$9,925$8,643$7,512$6,802
14 years$11,942$10,336$8,917$7,672$6,585$5,909
15 years$11,031$9,442$8,051$6,842$5,798$5,155
16 years$10,234$8,663$7,300$6,127$5,124$4,513
17 years$9,532$7,978$6,642$5,505$4,543$3,964
18 years$8,909$7,372$6,064$4,961$4,040$3,490
19 years$8,352$6,832$5,551$4,482$3,601$3,080
20 years$7,851$6,349$5,094$4,060$3,216$2,724
21 years$7,398$5,914$4,686$3,684$2,878$2,413
22 years$6,988$5,520$4,319$3,350$2,580$2,141
23 years$6,613$5,163$3,988$3,051$2,316$1,902
24 years$6,270$4,837$3,688$2,783$2,081$1,691
25 years$5,956$4,540$3,416$2,541$1,873$1,506
26 years$5,665$4,267$3,168$2,324$1,687$1,342
27 years$5,397$4,015$2,942$2,127$1,521$1,197
28 years$5,148$3,784$2,735$1,949$1,372$1,068
29 years$4,917$3,569$2,545$1,787$1,239$954
30 years$4,702$3,371$2,370$1,640$1,120$852
31 years$4,501$3,187$2,210$1,506$1,012$762
32 years$4,313$3,015$2,062$1,384$916$681
33 years$4,137$2,855$1,925$1,273$829$609
34 years$3,971$2,706$1,799$1,171$750$545
35 years$3,816$2,567$1,682$1,078$680$488
36 years$3,669$2,436$1,573$993$616$437
37 years$3,530$2,314$1,472$915$558$392
38 years$3,399$2,199$1,379$843$506$351
39 years$3,276$2,091$1,292$778$459$314
40 years$3,158$1,990$1,211$717$416$282
41 years$3,047$1,894$1,135$662$378$253
42 years$2,941$1,804$1,065$611$343$227
43 years$2,840$1,719$999$564$311$203
44 years$2,745$1,638$938$520$282$182
45 years$2,653$1,562$881$481$256$163
46 years$2,566$1,490$827$444$233$147
47 years$2,483$1,422$777$410$211$131
48 years$2,404$1,358$730$379$192$118
49 years$2,328$1,296$687$350$174$106
50 years$2,255$1,238$645$324$158$95

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,310,000, adding $6,253 every year, while hoping to spend $52,602 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: 61/31/8 Blend
34$2,310,000$2,310,000$2,310,000$2,310,000
35$2,552,070$2,429,640$2,393,835$2,703,053
36$2,756,413$2,492,724$2,418,060$2,867,933
37$2,979,836$2,557,137$2,441,334$3,041,134
38$3,224,230$2,622,887$2,463,569$3,228,785
39$3,491,676$2,689,983$2,484,673$3,432,282
40$3,784,466$2,758,431$2,504,550$3,653,159
41$4,105,125$2,828,238$2,523,096$3,893,106
42$4,456,433$2,899,407$2,540,205$4,153,985
43$4,841,451$2,971,940$2,555,763$4,437,845
44$5,263,550$3,045,836$2,569,652$4,746,942
45$5,726,444$3,121,093$2,581,747$5,083,763
46$6,234,222$3,197,708$2,591,916$5,451,043
47$6,791,389$3,275,672$2,600,022$5,851,798
48$7,402,908$3,354,977$2,605,920$6,289,349
49$8,074,244$3,435,610$2,609,458$6,767,353
50$8,811,418$3,517,556$2,610,475$7,289,839
51$9,621,062$3,600,795$2,608,806$7,861,246
52$10,510,482$3,685,306$2,604,272$8,486,464
53$11,487,727$3,771,062$2,596,692$9,170,880
54$12,561,664$3,858,034$2,585,870$9,920,429
55$13,742,062$3,946,185$2,571,605$10,741,650
56$15,039,683$4,035,478$2,553,684$11,641,746
57$16,466,382$4,125,869$2,531,884$12,628,656
58$18,035,223$4,217,307$2,505,972$13,711,126
59$19,760,599$4,309,737$2,475,705$14,898,792
60$21,658,364$4,403,099$2,440,825$16,202,273
61$23,745,991$4,497,324$2,401,066$17,633,268
62$26,042,727$4,592,338$2,356,147$19,204,670
63$28,569,782$4,688,059$2,305,775$20,930,686
64$31,350,523$4,784,398$2,249,642$22,826,969
65$34,410,698$4,881,255$2,187,427$24,910,770
66$37,778,678$4,978,525$2,118,794$27,201,097
67$41,485,722$5,076,091$2,043,392$29,718,897
68$45,566,272$5,173,827$1,960,853$32,487,253
69$50,058,283$5,271,595$1,870,793$35,531,600
70$55,003,573$5,369,248$1,772,809$38,879,970
71$60,448,222$5,466,626$1,666,482$42,563,253
72$66,443,004$5,563,555$1,551,374$46,615,487
73$73,043,871$5,659,849$1,427,024$51,074,185
74$80,312,471$5,755,307$1,292,955$55,980,685
75$88,316,740$5,849,713$1,148,666$61,380,544
76$97,131,534$5,942,836$993,633$67,323,963
77$106,839,342$6,034,427$827,311$73,866,266
78$117,531,059$6,124,217$649,130$81,068,423
79$129,306,845$6,211,922$458,494$88,997,620
80$142,277,071$6,297,234$254,781$97,727,901
81$156,563,359$6,379,826$37,344$107,340,863
82$172,299,731$6,459,346$0$117,926,427
83$189,633,870$6,535,421$0$129,600,311
84$208,728,518$6,607,650$0$142,459,584
85$229,763,007$6,675,605$0$156,621,466
86$252,934,957$6,738,833$0$172,218,654
87$278,462,133$6,796,846$0$189,397,376
88$306,584,507$6,849,128$0$208,318,778
89$337,566,519$6,895,127$0$229,160,441
90$371,699,573$6,934,258$0$252,118,065
91$409,304,789$6,965,897$0$277,407,307
92$450,736,031$6,989,379$0$305,265,828
93$496,383,247$7,003,999$0$335,955,528
94$546,676,152$7,009,009$0$369,765,027
95$602,088,280$7,003,611$0$407,012,385
96$663,141,457$6,986,960$0$448,048,108
97$730,410,724$6,958,159$0$493,258,459
98$804,529,763$6,916,255$0$543,069,103
99$886,196,886$6,860,238$0$597,949,128
100$976,181,614$6,789,036$0$658,415,476