Can I retire at age 35 with 2,370,000?

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 $2,370,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$195,712$193,969$192,268$190,608$188,987$186,548
2 years$96,887$95,083$93,334$91,639$89,994$87,540
3 years$63,950$62,138$60,393$58,714$57,096$54,704
4 years$47,484$45,678$43,951$42,300$40,721$38,409
5 years$37,608$35,812$34,108$32,490$30,956$28,730
6 years$31,025$29,243$27,564$25,983$24,494$22,358
7 years$26,326$24,558$22,906$21,362$19,920$17,874
8 years$22,802$21,051$19,426$17,920$16,526$14,570
9 years$20,064$18,329$16,732$15,264$13,917$12,050
10 years$17,874$16,156$14,587$13,158$11,858$10,079
11 years$16,083$14,383$12,842$11,451$10,198$8,505
12 years$14,592$12,909$11,397$10,044$8,838$7,228
13 years$13,332$11,666$10,183$8,867$7,707$6,179
14 years$12,252$10,604$9,149$7,872$6,756$5,308
15 years$11,317$9,687$8,260$7,020$5,948$4,578
16 years$10,500$8,888$7,489$6,286$5,257$3,962
17 years$9,780$8,185$6,815$5,648$4,661$3,439
18 years$9,140$7,564$6,221$5,090$4,145$2,991
19 years$8,569$7,010$5,695$4,599$3,694$2,608
20 years$8,055$6,514$5,227$4,165$3,300$2,278
21 years$7,591$6,067$4,808$3,780$2,953$1,992
22 years$7,169$5,664$4,431$3,437$2,647$1,745
23 years$6,785$5,297$4,091$3,130$2,376$1,530
24 years$6,433$4,963$3,784$2,855$2,136$1,343
25 years$6,110$4,658$3,504$2,607$1,922$1,180
26 years$5,813$4,377$3,250$2,384$1,731$1,038
27 years$5,537$4,120$3,018$2,182$1,561$913
28 years$5,282$3,882$2,806$1,999$1,408$804
29 years$5,045$3,662$2,611$1,833$1,272$708
30 years$4,824$3,458$2,432$1,683$1,149$624
31 years$4,618$3,269$2,267$1,545$1,039$550
32 years$4,425$3,094$2,115$1,420$940$485
33 years$4,244$2,930$1,975$1,306$850$428
34 years$4,074$2,777$1,845$1,202$770$378
35 years$3,915$2,634$1,725$1,106$697$333
36 years$3,764$2,500$1,614$1,019$632$294
37 years$3,622$2,374$1,511$939$573$260
38 years$3,488$2,256$1,415$865$519$229
39 years$3,361$2,145$1,325$798$471$203
40 years$3,240$2,041$1,242$736$427$179
41 years$3,126$1,943$1,165$679$387$158
42 years$3,017$1,851$1,093$626$352$140
43 years$2,914$1,763$1,025$578$319$123
44 years$2,816$1,681$963$534$290$109
45 years$2,722$1,603$904$493$263$96
46 years$2,633$1,529$849$456$239$85
47 years$2,548$1,459$797$421$217$75
48 years$2,466$1,393$749$389$197$67
49 years$2,388$1,330$704$359$179$59
50 years$2,314$1,271$662$332$162$52

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,370,000, adding $4,547 every year, while hoping to spend $44,995 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: 74/12/14 Blend
34$2,370,000$2,370,000$2,370,000$2,370,000
35$2,616,430$2,490,820$2,454,085$2,801,869
36$2,835,432$2,564,996$2,488,423$2,999,289
37$3,075,263$2,641,299$2,522,403$3,209,518
38$3,338,002$2,719,784$2,555,965$3,438,646
39$3,625,936$2,800,511$2,589,047$3,688,537
40$3,941,584$2,883,539$2,621,583$3,961,243
41$4,287,721$2,968,927$2,653,501$4,259,025
42$4,667,403$3,056,739$2,684,728$4,584,371
43$5,083,996$3,147,037$2,715,184$4,940,024
44$5,541,207$3,239,886$2,744,787$5,329,003
45$6,043,122$3,335,352$2,773,448$5,754,635
46$6,594,238$3,433,502$2,801,077$6,220,584
47$7,199,511$3,534,405$2,827,574$6,730,885
48$7,864,402$3,638,131$2,852,838$7,289,984
49$8,594,923$3,744,751$2,876,760$7,902,781
50$9,397,700$3,854,339$2,899,227$8,574,670
51$10,280,033$3,966,969$2,920,119$9,311,595
52$11,249,963$4,082,717$2,939,308$10,120,107
53$12,316,348$4,201,659$2,956,664$11,007,419
54$13,488,949$4,323,874$2,972,047$11,981,483
55$14,778,521$4,449,443$2,985,309$13,051,054
56$16,196,910$4,578,445$2,996,297$14,225,785
57$17,757,171$4,710,965$3,004,848$15,516,307
58$19,473,685$4,847,086$3,010,794$16,934,334
59$21,362,301$4,986,893$3,013,956$18,492,776
60$23,440,478$5,130,473$3,014,146$20,205,854
61$25,727,455$5,277,914$3,011,167$22,089,240
62$28,244,429$5,429,305$3,004,815$24,160,201
63$31,014,756$5,584,737$2,994,872$26,437,765
64$34,064,173$5,744,300$2,981,112$28,942,899
65$37,421,036$5,908,089$2,963,297$31,698,703
66$41,116,593$6,076,196$2,941,178$34,730,635
67$45,185,272$6,248,717$2,914,495$38,066,747
68$49,665,013$6,425,747$2,882,973$41,737,949
69$54,597,619$6,607,383$2,846,327$45,778,303
70$60,029,154$6,793,723$2,804,257$50,225,342
71$66,010,377$6,984,864$2,756,449$55,120,425
72$72,597,219$7,180,907$2,702,574$60,509,130
73$79,851,314$7,381,949$2,642,288$66,441,680
74$87,840,575$7,588,092$2,575,232$72,973,419
75$96,639,840$7,799,435$2,501,029$80,165,333
76$106,331,576$8,016,079$2,419,286$88,084,628
77$117,006,654$8,238,125$2,329,589$96,805,362
78$128,765,212$8,465,672$2,231,510$106,409,147
79$141,717,595$8,698,822$2,124,597$116,985,913
80$155,985,399$8,937,673$2,008,380$128,634,765
81$171,702,616$9,182,325$1,882,366$141,464,913
82$189,016,900$9,432,876$1,746,043$155,596,704
83$208,090,961$9,689,424$1,598,872$171,162,759
84$229,104,097$9,952,064$1,440,293$188,309,226
85$252,253,891$10,220,891$1,269,719$207,197,154
86$277,758,071$10,495,998$1,086,537$228,004,022
87$305,856,567$10,777,475$890,109$250,925,406
88$336,813,775$11,065,410$679,767$276,176,833
89$370,921,054$11,359,889$454,812$303,995,808
90$408,499,472$11,660,993$214,519$334,644,062
91$449,902,839$11,968,803$0$368,410,023
92$495,521,047$12,283,393$0$405,617,794
93$545,783,748$12,604,834$0$446,645,982
94$601,164,411$12,933,191$0$491,848,621
95$662,184,789$13,268,525$0$541,651,196
96$729,419,846$13,610,891$0$596,522,586
97$803,503,183$13,960,338$0$656,979,485
98$885,133,020$14,316,906$0$723,591,283
99$975,078,784$14,680,631$0$796,985,436
100$1,074,188,376$15,051,538$0$877,853,391