Can I retire at age 35 with 2,430,000?

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 $2,430,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$200,667$198,880$197,136$195,434$193,772$191,988
2 years$99,340$97,490$95,697$93,958$92,272$90,475
3 years$65,569$63,711$61,922$60,200$58,541$56,786
4 years$48,687$46,834$45,064$43,371$41,752$40,053
5 years$38,560$36,719$34,971$33,313$31,739$30,101
6 years$31,811$29,983$28,262$26,641$25,114$23,539
7 years$26,992$25,180$23,486$21,903$20,425$18,913
8 years$23,380$21,584$19,918$18,374$16,944$15,496
9 years$20,571$18,793$17,155$15,650$14,269$12,884
10 years$18,326$16,565$14,956$13,491$12,158$10,835
11 years$16,490$14,747$13,167$11,741$10,457$9,194
12 years$14,962$13,236$11,686$10,298$9,061$7,859
13 years$13,669$11,961$10,440$9,092$7,902$6,758
14 years$12,562$10,873$9,381$8,071$6,927$5,840
15 years$11,604$9,932$8,469$7,198$6,099$5,068
16 years$10,766$9,113$7,679$6,445$5,390$4,413
17 years$10,027$8,392$6,987$5,791$4,779$3,854
18 years$9,372$7,755$6,379$5,218$4,249$3,375
19 years$8,786$7,187$5,839$4,715$3,788$2,961
20 years$8,259$6,679$5,359$4,271$3,383$2,603
21 years$7,783$6,221$4,929$3,876$3,028$2,293
22 years$7,351$5,807$4,543$3,524$2,714$2,022
23 years$6,957$5,431$4,195$3,209$2,436$1,785
24 years$6,596$5,089$3,879$2,927$2,190$1,578
25 years$6,265$4,775$3,593$2,673$1,970$1,396
26 years$5,960$4,488$3,332$2,444$1,775$1,236
27 years$5,677$4,224$3,094$2,237$1,600$1,096
28 years$5,416$3,980$2,877$2,050$1,444$972
29 years$5,173$3,755$2,677$1,880$1,304$862
30 years$4,946$3,546$2,494$1,725$1,178$765
31 years$4,735$3,352$2,325$1,584$1,065$680
32 years$4,537$3,172$2,169$1,456$963$604
33 years$4,352$3,004$2,025$1,339$872$537
34 years$4,178$2,847$1,892$1,232$789$477
35 years$4,014$2,700$1,769$1,134$715$424
36 years$3,859$2,563$1,655$1,045$648$377
37 years$3,714$2,434$1,549$962$587$336
38 years$3,576$2,313$1,451$887$532$299
39 years$3,446$2,200$1,359$818$483$266
40 years$3,322$2,093$1,274$754$438$237
41 years$3,205$1,992$1,194$696$397$211
42 years$3,094$1,897$1,120$642$360$188
43 years$2,988$1,808$1,051$593$327$167
44 years$2,887$1,723$987$548$297$149
45 years$2,791$1,643$927$506$270$133
46 years$2,700$1,568$870$467$245$118
47 years$2,612$1,496$818$432$222$105
48 years$2,529$1,428$768$399$202$94
49 years$2,449$1,364$722$369$183$83
50 years$2,373$1,303$679$341$166$74

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,430,000, adding $5,118 every year, while hoping to spend $37,785 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: 68/22/10 Blend
34$2,430,000$2,430,000$2,430,000$2,430,000
35$2,683,139$2,554,349$2,516,684$2,859,788
36$2,916,616$2,639,309$2,560,790$3,062,710
37$3,172,642$2,727,166$2,605,107$3,279,527
38$3,453,476$2,818,022$2,649,603$3,515,648
39$3,761,607$2,911,982$2,694,241$3,772,959
40$4,099,778$3,009,156$2,738,986$4,053,537
41$4,471,009$3,109,658$2,783,795$4,359,667
42$4,878,627$3,213,606$2,828,627$4,693,865
43$5,326,296$3,321,122$2,873,435$5,058,901
44$5,818,054$3,432,332$2,918,171$5,457,825
45$6,358,348$3,547,369$2,962,782$5,893,994
46$6,952,078$3,666,369$3,007,214$6,371,106
47$7,604,642$3,789,473$3,051,407$6,893,233
48$8,321,986$3,916,827$3,095,300$7,464,858
49$9,110,661$4,048,585$3,138,826$8,090,918
50$9,977,886$4,184,904$3,181,914$8,776,853
51$10,931,614$4,325,947$3,224,491$9,528,652
52$11,980,605$4,471,884$3,266,478$10,352,911
53$13,134,512$4,622,893$3,307,791$11,256,897
54$14,403,973$4,779,155$3,348,343$12,248,612
55$15,800,706$4,940,861$3,388,040$13,336,874
56$17,337,623$5,108,208$3,426,784$14,531,393
57$19,028,950$5,281,400$3,464,471$15,842,867
58$20,890,364$5,460,650$3,500,991$17,283,080
59$22,939,136$5,646,177$3,536,230$18,865,015
60$25,194,299$5,838,211$3,570,064$20,602,974
61$27,676,823$6,036,988$3,602,367$22,512,713
62$30,409,814$6,242,756$3,633,001$24,611,590
63$33,418,734$6,455,770$3,661,826$26,918,730
64$36,731,638$6,676,296$3,688,690$29,455,201
65$40,379,441$6,904,609$3,713,437$32,244,218
66$44,396,206$7,140,998$3,735,899$35,311,356
67$48,819,470$7,385,758$3,755,903$38,684,795
68$53,690,595$7,639,199$3,773,265$42,395,581
69$59,055,158$7,901,642$3,787,792$46,477,923
70$64,963,383$8,173,421$3,799,281$50,969,513
71$71,470,611$8,454,882$3,807,520$55,911,881
72$78,637,827$8,746,385$3,812,286$61,350,784
73$86,532,232$9,048,303$3,813,343$67,336,644
74$95,227,875$9,361,027$3,810,446$73,925,015
75$104,806,360$9,684,958$3,803,337$81,177,114
76$115,357,604$10,020,517$3,791,745$89,160,392
77$126,980,697$10,368,139$3,775,386$97,949,172
78$139,784,829$10,728,279$3,753,962$107,625,352
79$153,890,324$11,101,407$3,727,162$118,279,175
80$169,429,774$11,488,012$3,694,658$130,010,080
81$186,549,290$11,888,604$3,656,109$142,927,639
82$205,409,884$12,303,712$3,611,155$157,152,593
83$226,188,984$12,733,887$3,559,421$172,817,989
84$249,082,113$13,179,699$3,500,514$190,070,435
85$274,304,729$13,641,745$3,434,021$209,071,481
86$302,094,263$14,120,642$3,359,513$229,999,149
87$332,712,359$14,617,034$3,276,537$253,049,606
88$366,447,341$15,131,591$3,184,624$278,439,017
89$403,616,940$15,665,009$3,083,278$306,405,586
90$444,571,284$16,218,011$2,971,984$337,211,800
91$489,696,212$16,791,350$2,850,203$371,146,910
92$539,416,910$17,385,811$2,717,369$408,529,656
93$594,201,928$18,002,209$2,572,894$449,711,278
94$654,567,599$18,641,391$2,416,160$495,078,828
95$721,082,916$19,304,242$2,246,524$545,058,826
96$794,374,903$19,991,679$2,063,311$600,121,280
97$875,134,530$20,704,658$1,865,820$660,784,124
98$964,123,241$21,444,175$1,653,313$727,618,109
99$1,062,180,138$22,211,266$1,425,025$801,252,184
100$1,170,229,902$23,007,008$1,180,154$882,379,436