Can I retire at age 35 with 2,390,000?

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 $2,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$197,364$195,606$193,891$192,217$190,582$189,064
2 years$97,705$95,885$94,122$92,412$90,753$89,223
3 years$64,490$62,662$60,903$59,209$57,578$56,083
4 years$47,885$46,063$44,322$42,657$41,065$39,617
5 years$37,925$36,114$34,396$32,765$31,217$29,820
6 years$31,287$29,490$27,797$26,202$24,701$23,356
7 years$26,548$24,766$23,099$21,542$20,088$18,797
8 years$22,995$21,229$19,590$18,071$16,665$15,428
9 years$20,233$18,483$16,873$15,393$14,035$12,850
10 years$18,025$16,292$14,710$13,269$11,958$10,826
11 years$16,219$14,504$12,951$11,548$10,284$9,204
12 years$14,715$13,018$11,493$10,129$8,912$7,882
13 years$13,444$11,764$10,268$8,942$7,772$6,791
14 years$12,355$10,694$9,226$7,938$6,813$5,880
15 years$11,413$9,769$8,330$7,079$5,998$5,112
16 years$10,589$8,963$7,552$6,339$5,301$4,461
17 years$9,862$8,254$6,872$5,695$4,701$3,904
18 years$9,217$7,627$6,274$5,133$4,180$3,426
19 years$8,641$7,069$5,743$4,638$3,725$3,013
20 years$8,123$6,569$5,271$4,200$3,327$2,655
21 years$7,655$6,119$4,848$3,812$2,978$2,343
22 years$7,230$5,711$4,468$3,466$2,669$2,071
23 years$6,842$5,342$4,126$3,157$2,396$1,833
24 years$6,488$5,005$3,816$2,879$2,154$1,624
25 years$6,162$4,697$3,534$2,629$1,938$1,440
26 years$5,862$4,414$3,278$2,404$1,746$1,278
27 years$5,584$4,154$3,044$2,201$1,574$1,135
28 years$5,327$3,915$2,829$2,016$1,420$1,009
29 years$5,088$3,693$2,633$1,849$1,282$898
30 years$4,865$3,488$2,453$1,697$1,159$799
31 years$4,657$3,297$2,286$1,558$1,047$711
32 years$4,463$3,120$2,133$1,432$948$633
33 years$4,280$2,954$1,992$1,317$858$564
34 years$4,109$2,800$1,861$1,212$776$503
35 years$3,948$2,656$1,740$1,115$703$448
36 years$3,796$2,521$1,628$1,027$637$400
37 years$3,653$2,394$1,523$947$577$357
38 years$3,517$2,275$1,427$872$524$318
39 years$3,389$2,164$1,337$804$475$284
40 years$3,268$2,058$1,253$742$431$253
41 years$3,152$1,959$1,175$685$391$226
42 years$3,043$1,866$1,102$632$354$202
43 years$2,939$1,778$1,034$583$322$180
44 years$2,840$1,695$971$538$292$161
45 years$2,745$1,616$911$497$265$144
46 years$2,655$1,542$856$459$241$128
47 years$2,569$1,471$804$424$219$115
48 years$2,487$1,405$756$392$198$102
49 years$2,409$1,341$710$362$180$91
50 years$2,333$1,281$668$335$164$82

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,390,000, adding $2,752 every year, while hoping to spend $34,075 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: 30/42/28 Blend
34$2,390,000$2,390,000$2,390,000$2,390,000
35$2,636,619$2,509,949$2,472,904$2,692,936
36$2,869,298$2,596,681$2,519,490$2,823,921
37$3,124,569$2,686,520$2,566,496$2,961,567
38$3,404,700$2,779,584$2,613,898$3,108,969
39$3,712,188$2,875,993$2,661,673$3,266,999
40$4,049,787$2,975,873$2,709,794$3,436,616
41$4,420,528$3,079,353$2,758,236$3,618,870
42$4,827,752$3,186,571$2,806,966$3,814,919
43$5,275,136$3,297,667$2,855,953$4,026,030
44$5,766,735$3,412,787$2,905,162$4,253,598
45$6,307,013$3,532,085$2,954,556$4,499,156
46$6,900,889$3,655,718$3,004,095$4,764,389
47$7,553,784$3,783,853$3,053,736$5,051,149
48$8,271,668$3,916,659$3,103,434$5,361,472
49$9,061,119$4,054,316$3,153,140$5,697,598
50$9,929,384$4,197,009$3,202,802$6,061,989
51$10,884,450$4,344,931$3,252,364$6,457,354
52$11,935,114$4,498,283$3,301,768$6,886,674
53$13,091,069$4,657,273$3,350,951$7,353,227
54$14,362,998$4,822,118$3,399,847$7,860,621
55$15,762,667$4,993,045$3,448,386$8,412,825
56$17,303,044$5,170,289$3,496,491$9,014,209
57$18,998,415$5,354,094$3,544,085$9,669,581
58$20,864,524$5,544,715$3,591,082$10,384,234
59$22,918,716$5,742,418$3,637,394$11,163,992
60$25,180,106$5,947,477$3,682,928$12,015,270
61$27,669,753$6,160,179$3,727,582$12,945,127
62$30,410,865$6,380,825$3,771,253$13,961,338
63$33,429,011$6,609,724$3,813,828$15,072,461
64$36,752,371$6,847,200$3,855,192$16,287,921
65$40,411,991$7,093,592$3,895,219$17,618,095
66$44,442,085$7,349,249$3,933,780$19,074,410
67$48,880,354$7,614,538$3,970,737$20,669,452
68$53,768,338$7,889,839$4,005,946$22,417,082
69$59,151,816$8,175,548$4,039,252$24,332,562
70$65,081,231$8,472,079$4,070,497$26,432,706
71$71,612,168$8,779,862$4,099,509$28,736,031
72$78,805,878$9,099,345$4,126,113$31,262,933
73$86,729,859$9,430,995$4,150,119$34,035,878
74$95,458,489$9,775,297$4,171,332$37,079,612
75$105,073,727$10,132,759$4,189,544$40,421,395
76$115,665,892$10,503,909$4,204,538$44,091,257
77$127,334,509$10,889,296$4,216,086$48,122,276
78$140,189,251$11,289,494$4,223,947$52,550,895
79$154,350,976$11,705,101$4,227,871$57,417,259
80$169,952,863$12,136,738$4,227,592$62,765,596
81$187,141,673$12,585,056$4,222,834$68,644,629
82$206,079,129$13,050,730$4,213,305$75,108,041
83$226,943,450$13,534,466$4,198,701$82,214,972
84$249,931,026$14,036,998$4,178,701$90,030,580
85$275,258,274$14,559,094$4,152,970$98,626,654
86$303,163,681$15,101,553$4,121,158$108,082,288
87$333,910,055$15,665,208$4,082,895$118,484,628
88$367,787,005$16,250,927$4,037,797$129,929,689
89$405,113,675$16,859,618$3,985,458$142,523,265
90$446,241,756$17,492,225$3,925,457$156,381,917
91$491,558,805$18,149,734$3,857,350$171,634,079
92$541,491,905$18,833,173$3,780,673$188,421,264
93$596,511,696$19,543,616$3,694,943$206,899,397
94$657,136,816$20,282,179$3,599,650$227,240,287
95$723,938,796$21,050,032$3,494,264$249,633,244
96$797,547,461$21,848,391$3,378,229$274,286,863
97$878,656,867$22,678,527$3,250,965$301,430,991
98$968,031,859$23,541,766$3,111,863$331,318,895
99$1,066,515,288$24,439,492$2,960,290$364,229,647
100$1,175,035,968$25,373,148$2,795,580$400,470,758