Can I retire at age 35 with 2,350,000?

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 $2,350,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$194,061$192,332$190,646$189,000$187,392$186,446
2 years$96,070$94,280$92,546$90,865$89,234$88,279
3 years$63,410$61,613$59,884$58,218$56,614$55,680
4 years$47,084$45,292$43,580$41,943$40,378$39,471
5 years$37,290$35,510$33,820$32,216$30,694$29,819
6 years$30,764$28,996$27,331$25,764$24,287$23,444
7 years$26,103$24,351$22,713$21,182$19,752$18,941
8 years$22,610$20,873$19,262$17,769$16,386$15,607
9 years$19,894$18,174$16,590$15,135$13,800$13,053
10 years$17,723$16,020$14,464$13,047$11,758$11,043
11 years$15,948$14,261$12,734$11,354$10,112$9,428
12 years$14,469$12,800$11,301$9,959$8,763$8,110
13 years$13,219$11,568$10,097$8,793$7,642$7,019
14 years$12,149$10,515$9,072$7,805$6,699$6,105
15 years$11,222$9,605$8,191$6,961$5,898$5,333
16 years$10,411$8,813$7,426$6,233$5,213$4,676
17 years$9,697$8,116$6,757$5,600$4,622$4,112
18 years$9,063$7,500$6,169$5,047$4,110$3,626
19 years$8,496$6,951$5,647$4,560$3,663$3,205
20 years$7,987$6,459$5,183$4,130$3,272$2,838
21 years$7,527$6,016$4,767$3,748$2,928$2,518
22 years$7,109$5,616$4,394$3,408$2,624$2,237
23 years$6,728$5,252$4,057$3,104$2,356$1,990
24 years$6,379$4,921$3,752$2,831$2,117$1,773
25 years$6,059$4,618$3,475$2,585$1,905$1,581
26 years$5,763$4,340$3,223$2,364$1,716$1,411
27 years$5,491$4,085$2,993$2,164$1,547$1,260
28 years$5,238$3,849$2,782$1,982$1,396$1,126
29 years$5,003$3,631$2,589$1,818$1,261$1,007
30 years$4,784$3,429$2,411$1,668$1,139$902
31 years$4,579$3,242$2,248$1,532$1,030$807
32 years$4,388$3,067$2,098$1,408$932$723
33 years$4,209$2,905$1,958$1,295$843$648
34 years$4,040$2,753$1,830$1,191$763$581
35 years$3,882$2,611$1,711$1,097$691$521
36 years$3,732$2,479$1,600$1,010$626$467
37 years$3,591$2,354$1,498$931$568$419
38 years$3,458$2,237$1,403$858$515$376
39 years$3,332$2,127$1,314$791$467$338
40 years$3,213$2,024$1,232$730$423$303
41 years$3,100$1,927$1,155$673$384$272
42 years$2,992$1,835$1,084$621$349$245
43 years$2,890$1,748$1,017$573$316$220
44 years$2,792$1,666$954$529$287$197
45 years$2,699$1,589$896$489$261$177
46 years$2,611$1,516$842$452$237$159
47 years$2,526$1,447$791$417$215$143
48 years$2,446$1,381$743$386$195$129
49 years$2,368$1,319$698$356$177$116
50 years$2,294$1,260$657$329$161$104

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,350,000, adding $5,010 every year, while hoping to spend $47,113 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: 56/18/26 Blend
34$2,350,000$2,350,000$2,350,000$2,350,000
35$2,594,868$2,470,318$2,433,893$2,721,416
36$2,809,416$2,541,236$2,465,300$2,879,776
37$3,044,270$2,614,049$2,496,181$3,046,873
38$3,301,450$2,688,802$2,526,467$3,227,959
39$3,583,182$2,765,537$2,556,088$3,424,396
40$3,891,918$2,844,300$2,584,969$3,637,684
41$4,230,357$2,925,134$2,613,029$3,869,479
42$4,601,473$3,008,086$2,640,185$4,121,600
43$5,008,542$3,093,200$2,666,349$4,396,053
44$5,455,169$3,180,523$2,691,428$4,695,049
45$5,945,328$3,270,100$2,715,323$5,021,023
46$6,483,396$3,361,980$2,737,931$5,376,655
47$7,074,195$3,456,209$2,759,143$5,764,901
48$7,723,033$3,552,834$2,778,845$6,189,017
49$8,435,762$3,651,902$2,796,916$6,652,589
50$9,218,826$3,753,462$2,813,229$7,159,570
51$10,079,325$3,857,560$2,827,651$7,714,315
52$11,025,081$3,964,245$2,840,042$8,321,621
53$12,064,710$4,073,564$2,850,254$8,986,776
54$13,207,706$4,185,565$2,858,134$9,715,607
55$14,464,529$4,300,293$2,863,517$10,514,533
56$15,846,700$4,417,798$2,866,235$11,390,628
57$17,366,917$4,538,123$2,866,107$12,351,689
58$19,039,168$4,661,316$2,862,947$13,406,307
59$20,878,864$4,787,422$2,856,556$14,563,947
60$22,902,987$4,916,484$2,846,730$15,835,043
61$25,130,246$5,048,546$2,833,250$17,231,092
62$27,581,257$5,183,651$2,815,889$18,764,761
63$30,278,734$5,321,839$2,794,411$20,450,014
64$33,247,707$5,463,151$2,768,565$22,302,236
65$36,515,751$5,607,623$2,738,091$24,338,383
66$40,113,255$5,755,294$2,702,713$26,577,141
67$44,073,700$5,906,196$2,662,147$29,039,102
68$48,433,980$6,060,363$2,616,093$31,746,961
69$53,234,750$6,217,824$2,564,235$34,725,727
70$58,520,803$6,378,607$2,506,246$38,002,962
71$64,341,502$6,542,735$2,441,782$41,609,038
72$70,751,236$6,710,231$2,370,483$45,577,430
73$77,809,941$6,881,111$2,291,973$49,945,027
74$85,583,659$7,055,389$2,205,858$54,752,483
75$94,145,165$7,233,076$2,111,727$60,044,599
76$103,574,652$7,414,177$2,009,150$65,870,751
77$113,960,487$7,598,692$1,897,677$72,285,352
78$125,400,046$7,786,617$1,776,838$79,348,366
79$138,000,631$7,977,941$1,646,142$87,125,879
80$151,880,483$8,172,648$1,505,076$95,690,719
81$167,169,900$8,370,715$1,353,104$105,123,148
82$184,012,461$8,572,112$1,189,665$115,511,616
83$202,566,388$8,776,802$1,014,174$126,953,599
84$223,006,032$8,984,737$826,021$139,556,523
85$245,523,523$9,195,865$624,569$153,438,772
86$270,330,580$9,410,120$409,150$168,730,812
87$297,660,513$9,627,430$179,069$185,576,423
88$327,770,419$9,847,708$0$204,134,055
89$360,943,615$10,070,858$0$224,596,766
90$397,492,305$10,296,772$0$247,192,766
91$437,760,535$10,525,328$0$272,084,616
92$482,127,430$10,756,390$0$299,506,256
93$531,010,781$10,989,806$0$329,715,483
94$584,870,983$11,225,410$0$362,996,383
95$644,215,386$11,463,017$0$399,662,014
96$709,603,075$11,702,425$0$440,057,360
97$781,650,157$11,943,412$0$484,562,588
98$861,035,570$12,185,736$0$533,596,638
99$948,507,493$12,429,132$0$587,621,173
100$1,044,890,411$12,673,313$0$647,144,943