Can I retire at age 35 with 2,360,000?

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 $2,360,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$194,887$193,151$191,457$189,804$188,190$182,312
2 years$96,479$94,682$92,940$91,252$89,614$83,744
3 years$63,680$61,876$60,139$58,466$56,855$51,178
4 years$47,284$45,485$43,765$42,121$40,549$35,108
5 years$37,449$35,661$33,964$32,353$30,825$25,634
6 years$30,895$29,120$27,448$25,873$24,391$19,455
7 years$26,215$24,455$22,809$21,272$19,836$15,155
8 years$22,706$20,962$19,344$17,844$16,456$12,027
9 years$19,979$18,251$16,661$15,199$13,858$9,676
10 years$17,798$16,088$14,525$13,102$11,808$7,866
11 years$16,015$14,322$12,788$11,403$10,155$6,447
12 years$14,531$12,855$11,349$10,002$8,800$5,318
13 years$13,275$11,617$10,140$8,830$7,674$4,409
14 years$12,200$10,559$9,110$7,838$6,727$3,670
15 years$11,269$9,646$8,226$6,990$5,923$3,066
16 years$10,456$8,850$7,458$6,259$5,235$2,568
17 years$9,738$8,151$6,786$5,624$4,642$2,156
18 years$9,102$7,532$6,195$5,068$4,127$1,814
19 years$8,532$6,980$5,671$4,580$3,679$1,528
20 years$8,021$6,486$5,205$4,148$3,286$1,289
21 years$7,559$6,042$4,787$3,764$2,940$1,089
22 years$7,139$5,640$4,412$3,423$2,636$920
23 years$6,756$5,275$4,074$3,117$2,366$779
24 years$6,406$4,942$3,768$2,843$2,127$659
25 years$6,084$4,638$3,490$2,596$1,914$558
26 years$5,788$4,359$3,236$2,374$1,724$473
27 years$5,514$4,102$3,005$2,173$1,554$401
28 years$5,260$3,866$2,794$1,991$1,402$340
29 years$5,024$3,647$2,600$1,826$1,266$288
30 years$4,804$3,444$2,422$1,675$1,144$245
31 years$4,599$3,256$2,258$1,539$1,034$208
32 years$4,407$3,080$2,106$1,414$936$176
33 years$4,226$2,917$1,967$1,300$847$150
34 years$4,057$2,765$1,838$1,197$767$127
35 years$3,898$2,622$1,718$1,101$694$108
36 years$3,748$2,489$1,607$1,014$629$92
37 years$3,607$2,364$1,504$935$570$78
38 years$3,473$2,247$1,409$862$517$66
39 years$3,346$2,136$1,320$794$469$56
40 years$3,226$2,033$1,237$733$425$48
41 years$3,113$1,935$1,160$676$386$41
42 years$3,005$1,843$1,088$624$350$34
43 years$2,902$1,756$1,021$576$318$29
44 years$2,804$1,674$958$532$288$25
45 years$2,711$1,596$900$491$262$21
46 years$2,622$1,522$845$454$238$18
47 years$2,537$1,453$794$419$216$15
48 years$2,456$1,387$746$387$196$13
49 years$2,378$1,324$701$358$178$11
50 years$2,304$1,265$659$331$162$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,360,000, adding $2,914 every year, while hoping to spend $54,255 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: 38/34/28 Blend
34$2,360,000$2,360,000$2,360,000$2,360,000
35$2,603,726$2,478,646$2,442,066$2,680,860
36$2,811,579$2,542,373$2,466,148$2,801,534
37$3,038,815$2,607,403$2,489,219$2,926,679
38$3,287,353$2,673,745$2,511,187$3,060,897
39$3,559,307$2,741,403$2,531,956$3,205,047
40$3,857,005$2,810,380$2,551,425$3,360,076
41$4,183,009$2,880,679$2,569,487$3,527,026
42$4,540,143$2,952,299$2,586,032$3,707,049
43$4,931,514$3,025,238$2,600,940$3,901,410
44$5,360,545$3,099,491$2,614,089$4,111,506
45$5,831,007$3,175,053$2,625,347$4,338,875
46$6,347,053$3,251,913$2,634,579$4,585,214
47$6,913,255$3,330,060$2,641,640$4,852,393
48$7,534,652$3,409,478$2,646,381$5,142,472
49$8,216,794$3,490,150$2,648,641$5,457,724
50$8,965,793$3,572,053$2,648,257$5,800,651
51$9,788,382$3,655,162$2,645,052$6,174,015
52$10,691,980$3,739,448$2,638,844$6,580,858
53$11,684,759$3,824,877$2,629,442$7,024,536
54$12,775,719$3,911,412$2,616,643$7,508,746
55$13,974,780$3,999,009$2,600,239$8,037,566
56$15,292,868$4,087,620$2,580,006$8,615,490
57$16,742,019$4,177,191$2,555,715$9,247,472
58$18,335,495$4,267,665$2,527,122$9,938,977
59$20,087,909$4,358,973$2,493,974$10,696,024
60$22,015,358$4,451,045$2,456,004$11,525,254
61$24,135,579$4,543,801$2,412,935$12,433,984
62$26,468,114$4,637,153$2,364,474$13,430,284
63$29,034,495$4,731,007$2,310,317$14,523,048
64$31,858,446$4,825,258$2,250,145$15,722,081
65$34,966,106$4,919,795$2,183,624$17,038,193
66$38,386,278$5,014,494$2,110,404$18,483,301
67$42,150,696$5,109,222$2,030,121$20,070,541
68$46,294,329$5,203,836$1,942,392$21,814,395
69$50,855,708$5,298,181$1,846,819$23,730,828
70$55,877,286$5,392,088$1,742,984$25,837,437
71$61,405,846$5,485,377$1,630,451$28,153,622
72$67,492,935$5,577,853$1,508,763$30,700,769
73$74,195,353$5,669,307$1,377,446$33,502,451
74$81,575,689$5,759,513$1,236,000$36,584,653
75$89,702,911$5,848,231$1,083,908$39,976,021
76$98,653,014$5,935,200$920,624$43,708,128
77$108,509,740$6,020,144$745,584$47,815,781
78$119,365,367$6,102,764$558,195$52,337,345
79$131,321,578$6,182,743$357,838$57,315,107
80$144,490,423$6,259,742$143,869$62,795,684
81$158,995,372$6,333,395$0$68,830,455
82$174,972,484$6,403,316$0$75,501,292
83$192,571,689$6,469,089$0$82,892,893
84$211,958,201$6,530,274$0$91,031,256
85$233,314,079$6,586,399$0$99,992,452
86$256,839,945$6,636,963$0$109,860,311
87$282,756,877$6,681,431$0$120,727,220
88$311,308,492$6,719,235$0$132,694,991
89$342,763,249$6,749,769$0$145,875,827
90$377,416,983$6,772,390$0$160,393,379
91$415,595,692$6,786,413$0$176,383,917
92$457,658,617$6,791,113$0$193,997,616
93$504,001,634$6,785,716$0$213,399,973
94$555,060,987$6,769,402$0$234,773,377
95$611,317,406$6,741,301$0$258,318,825
96$673,300,647$6,700,490$0$284,257,826
97$741,594,487$6,645,988$0$312,834,490
98$816,842,239$6,576,756$0$344,317,839
99$899,752,824$6,491,693$0$379,004,343
100$991,107,457$6,389,631$0$417,220,726