Can I retire at age 35 with 2,330,000?

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 $2,330,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$192,409$190,695$189,023$187,391$185,797$183,857
2 years$95,252$93,478$91,759$90,092$88,475$86,521
3 years$62,871$61,089$59,374$57,723$56,132$54,225
4 years$46,683$44,907$43,209$41,586$40,034$38,189
5 years$36,973$35,208$33,532$31,942$30,433$28,655
6 years$30,502$28,750$27,099$25,544$24,081$22,372
7 years$25,881$24,144$22,519$21,001$19,584$17,945
8 years$22,418$20,696$19,098$17,618$16,247$14,678
9 years$19,725$18,019$16,449$15,006$13,682$12,182
10 years$17,572$15,883$14,341$12,936$11,658$10,226
11 years$15,812$14,140$12,625$11,258$10,026$8,662
12 years$14,346$12,691$11,205$9,875$8,689$7,390
13 years$13,107$11,469$10,011$8,718$7,577$6,342
14 years$12,045$10,425$8,995$7,739$6,642$5,470
15 years$11,126$9,524$8,121$6,902$5,848$4,737
16 years$10,323$8,738$7,363$6,180$5,168$4,116
17 years$9,615$8,047$6,700$5,552$4,583$3,588
18 years$8,986$7,436$6,116$5,004$4,075$3,135
19 years$8,424$6,891$5,599$4,521$3,632$2,745
20 years$7,919$6,404$5,139$4,095$3,244$2,408
21 years$7,463$5,965$4,726$3,716$2,903$2,116
22 years$7,048$5,568$4,356$3,379$2,602$1,861
23 years$6,670$5,208$4,022$3,077$2,336$1,640
24 years$6,325$4,879$3,720$2,807$2,099$1,446
25 years$6,007$4,579$3,445$2,563$1,889$1,277
26 years$5,714$4,303$3,195$2,344$1,702$1,128
27 years$5,444$4,050$2,967$2,145$1,534$997
28 years$5,193$3,816$2,758$1,966$1,384$882
29 years$4,960$3,600$2,567$1,802$1,250$781
30 years$4,743$3,400$2,391$1,654$1,130$691
31 years$4,540$3,214$2,229$1,519$1,021$612
32 years$4,350$3,041$2,080$1,396$924$543
33 years$4,173$2,880$1,942$1,284$836$481
34 years$4,006$2,730$1,814$1,181$757$427
35 years$3,849$2,589$1,696$1,087$686$379
36 years$3,701$2,457$1,587$1,002$621$336
37 years$3,561$2,334$1,485$923$563$298
38 years$3,429$2,218$1,391$851$510$265
39 years$3,304$2,109$1,303$784$463$235
40 years$3,185$2,007$1,221$723$420$209
41 years$3,073$1,910$1,145$667$381$185
42 years$2,966$1,819$1,074$616$346$164
43 years$2,865$1,733$1,008$569$314$146
44 years$2,768$1,652$946$525$285$130
45 years$2,676$1,576$889$485$258$115
46 years$2,589$1,503$835$448$235$102
47 years$2,505$1,434$784$414$213$91
48 years$2,425$1,369$737$382$194$81
49 years$2,348$1,308$692$353$176$72
50 years$2,275$1,249$651$327$160$64

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,330,000, adding $3,240 every year, while hoping to spend $44,710 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: 50/28/22 Blend
34$2,330,000$2,330,000$2,330,000$2,330,000
35$2,571,002$2,447,512$2,411,397$2,683,544
36$2,785,673$2,519,869$2,444,608$2,834,302
37$3,020,742$2,594,273$2,477,433$2,993,250
38$3,278,243$2,670,777$2,509,811$3,165,077
39$3,560,414$2,749,436$2,541,680$3,351,018
40$3,869,722$2,830,304$2,572,972$3,552,433
41$4,208,883$2,913,438$2,603,616$3,770,818
42$4,580,888$2,998,896$2,633,537$4,007,823
43$4,989,033$3,086,736$2,662,655$4,265,262
44$5,436,947$3,177,019$2,690,886$4,545,134
45$5,928,628$3,269,805$2,718,143$4,849,639
46$6,468,480$3,365,157$2,744,332$5,181,201
47$7,061,352$3,463,137$2,769,355$5,542,490
48$7,712,591$3,563,811$2,793,109$5,936,445
49$8,428,081$3,667,244$2,815,484$6,366,305
50$9,214,309$3,773,503$2,836,366$6,835,636
51$10,078,418$3,882,654$2,855,635$7,348,368
52$11,028,281$3,994,768$2,873,163$7,908,830
53$12,072,568$4,109,915$2,888,816$8,521,790
54$13,220,834$4,228,165$2,902,456$9,192,501
55$14,483,604$4,349,590$2,913,933$9,926,751
56$15,872,476$4,474,264$2,923,094$10,730,916
57$17,400,226$4,602,260$2,929,775$11,612,021
58$19,080,933$4,733,654$2,933,806$12,577,807
59$20,930,106$4,868,522$2,935,007$13,636,802
60$22,964,838$5,006,940$2,933,191$14,798,403
61$25,203,958$5,148,987$2,928,159$16,072,963
62$27,668,214$5,294,740$2,919,704$17,471,891
63$30,380,468$5,444,278$2,907,611$19,007,758
64$33,365,910$5,597,682$2,891,650$20,694,415
65$36,652,296$5,755,032$2,871,584$22,547,125
66$40,270,210$5,916,408$2,847,162$24,582,708
67$44,253,352$6,081,892$2,818,122$26,819,696
68$48,638,855$6,251,566$2,784,190$29,278,512
69$53,467,636$6,425,511$2,745,079$31,981,661
70$58,784,783$6,603,810$2,700,487$34,953,940
71$64,639,978$6,786,543$2,650,100$38,222,679
72$71,087,966$6,973,794$2,593,589$41,817,990
73$78,189,072$7,165,643$2,530,607$45,773,060
74$86,009,770$7,362,172$2,460,795$50,124,456
75$94,623,310$7,563,462$2,383,775$54,912,478
76$104,110,408$7,769,592$2,299,152$60,181,535
77$114,560,009$7,980,641$2,206,513$65,980,564
78$126,070,124$8,196,687$2,105,426$72,363,496
79$138,748,759$8,417,807$1,995,439$79,389,761
80$152,714,928$8,644,076$1,876,083$87,124,852
81$168,099,781$8,875,566$1,746,862$95,640,941
82$185,047,839$9,112,349$1,607,262$105,017,564
83$203,718,358$9,354,493$1,456,745$115,342,370
84$224,286,833$9,602,065$1,294,748$126,711,947
85$246,946,652$9,855,129$1,120,684$139,232,739
86$271,910,923$10,113,743$933,939$153,022,046
87$299,414,485$10,377,964$733,874$168,209,136
88$329,716,122$10,647,844$519,819$184,936,463
89$363,101,010$10,923,431$291,075$203,361,014
90$399,883,402$11,204,768$46,915$223,655,790
91$440,409,599$11,491,892$0$246,011,443
92$485,061,219$11,784,836$0$270,688,223
93$534,258,794$12,083,623$0$297,882,525
94$588,465,743$12,388,273$0$327,838,673
95$648,192,747$12,698,796$0$360,838,053
96$714,002,565$13,015,195$0$397,190,746
97$786,515,351$13,337,464$0$437,238,451
98$866,414,503$13,665,586$0$481,357,717
99$954,453,119$13,999,536$0$529,963,490
100$1,051,461,099$14,339,276$0$583,513,034