Can I retire at age 35 with 2,010,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,010,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$165,984$164,505$163,063$161,655$160,280$157,690
2 years$82,170$80,640$79,157$77,719$76,324$73,721
3 years$54,236$52,699$51,220$49,795$48,423$45,889
4 years$40,272$38,739$37,275$35,875$34,536$32,090
5 years$31,895$30,372$28,927$27,555$26,253$23,903
6 years$26,313$24,801$23,377$22,036$20,773$18,521
7 years$22,327$20,828$19,427$18,117$16,894$14,741
8 years$19,339$17,853$16,475$15,198$14,016$11,960
9 years$17,016$15,545$14,190$12,945$11,803$9,845
10 years$15,159$13,702$12,371$11,159$10,057$8,194
11 years$13,640$12,198$10,891$9,712$8,649$6,881
12 years$12,376$10,948$9,666$8,518$7,495$5,818
13 years$11,307$9,894$8,636$7,520$6,536$4,948
14 years$10,391$8,993$7,759$6,676$5,729$4,227
15 years$9,598$8,216$7,006$5,954$5,045$3,626
16 years$8,905$7,538$6,352$5,331$4,458$3,121
17 years$8,294$6,942$5,780$4,790$3,953$2,693
18 years$7,752$6,415$5,276$4,317$3,515$2,329
19 years$7,267$5,945$4,830$3,900$3,133$2,019
20 years$6,831$5,524$4,433$3,533$2,798$1,753
21 years$6,438$5,146$4,077$3,206$2,504$1,524
22 years$6,080$4,803$3,758$2,915$2,245$1,327
23 years$5,754$4,492$3,470$2,655$2,015$1,156
24 years$5,456$4,209$3,209$2,421$1,811$1,009
25 years$5,182$3,950$2,972$2,211$1,630$881
26 years$4,930$3,712$2,756$2,022$1,468$769
27 years$4,696$3,494$2,560$1,851$1,324$673
28 years$4,480$3,292$2,380$1,696$1,194$588
29 years$4,279$3,106$2,214$1,555$1,078$515
30 years$4,091$2,933$2,063$1,427$974$451
31 years$3,917$2,773$1,923$1,311$881$395
32 years$3,753$2,624$1,794$1,204$797$346
33 years$3,600$2,485$1,675$1,108$721$303
34 years$3,456$2,355$1,565$1,019$653$266
35 years$3,320$2,234$1,463$938$591$233
36 years$3,192$2,120$1,369$864$536$204
37 years$3,072$2,013$1,281$796$486$179
38 years$2,958$1,914$1,200$734$440$157
39 years$2,850$1,820$1,124$677$399$138
40 years$2,748$1,731$1,054$624$362$121
41 years$2,651$1,648$988$576$329$106
42 years$2,559$1,569$927$531$298$93
43 years$2,471$1,495$870$490$271$82
44 years$2,388$1,425$816$453$246$72
45 years$2,309$1,359$766$418$223$63
46 years$2,233$1,297$720$386$202$55
47 years$2,161$1,237$676$357$184$48
48 years$2,092$1,181$636$330$167$43
49 years$2,026$1,128$597$305$152$37
50 years$1,962$1,078$562$282$138$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,010,000, adding $4,280 every year, while hoping to spend $38,390 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: 75/20/5 Blend
34$2,010,000$2,010,000$2,010,000$2,010,000
35$2,219,435$2,112,905$2,081,750$2,384,836
36$2,404,971$2,175,590$2,110,642$2,556,808
37$2,608,144$2,240,061$2,139,215$2,739,847
38$2,830,714$2,306,364$2,167,418$2,939,285
39$3,074,618$2,374,546$2,195,197$3,156,732
40$3,341,987$2,444,657$2,222,495$3,393,957
41$3,635,171$2,516,747$2,249,250$3,652,909
42$3,956,758$2,590,867$2,275,399$3,935,734
43$4,309,597$2,667,068$2,300,874$4,244,795
44$4,696,826$2,745,406$2,325,604$4,582,694
45$5,121,904$2,825,932$2,349,514$4,952,296
46$5,588,640$2,908,704$2,372,523$5,356,757
47$6,101,227$2,993,776$2,394,549$5,799,551
48$6,664,289$3,081,208$2,415,503$6,284,507
49$7,282,916$3,171,057$2,435,292$6,815,839
50$7,962,717$3,263,383$2,453,818$7,398,192
51$8,709,872$3,358,246$2,470,979$8,036,680
52$9,531,188$3,455,709$2,486,666$8,736,936
53$10,434,165$3,555,835$2,500,765$9,505,167
54$11,427,066$3,658,686$2,513,156$10,348,210
55$12,518,994$3,764,329$2,523,714$11,273,595
56$13,719,979$3,872,829$2,532,306$12,289,621
57$15,041,071$3,984,253$2,538,793$13,405,426
58$16,494,448$4,098,668$2,543,030$14,631,083
59$18,093,523$4,216,145$2,544,863$15,977,684
60$19,853,079$4,336,752$2,544,132$17,457,453
61$21,789,400$4,460,560$2,540,668$19,083,856
62$23,920,433$4,587,641$2,534,294$20,871,733
63$26,265,948$4,718,067$2,524,825$22,837,429
64$28,847,734$4,851,912$2,512,065$24,998,958
65$31,689,796$4,989,248$2,495,813$27,376,165
66$34,818,585$5,130,152$2,475,852$29,990,918
67$38,263,249$5,274,697$2,451,961$32,867,310
68$42,055,903$5,422,959$2,423,904$36,031,890
69$46,231,936$5,575,015$2,391,436$39,513,911
70$50,830,344$5,730,942$2,354,300$43,345,604
71$55,894,096$5,890,815$2,312,226$47,562,488
72$61,470,542$6,054,713$2,264,933$52,203,697
73$67,611,855$6,222,712$2,212,127$57,312,355
74$74,375,529$6,394,889$2,153,497$62,935,981
75$81,824,916$6,571,322$2,088,723$69,126,936
76$90,029,828$6,752,087$2,017,465$75,942,917
77$99,067,192$6,937,261$1,939,372$83,447,504
78$109,021,778$7,126,919$1,854,074$91,710,756
79$119,986,999$7,321,137$1,761,184$100,809,874
80$132,065,789$7,519,990$1,660,301$110,829,930
81$145,371,580$7,723,550$1,551,001$121,864,669
82$160,029,367$7,931,890$1,432,846$134,017,390
83$176,176,889$8,145,079$1,305,373$147,401,929
84$193,965,931$8,363,187$1,168,102$162,143,724
85$213,563,754$8,586,282$1,020,532$178,381,006
86$235,154,674$8,814,426$862,136$196,266,098
87$258,941,802$9,047,684$692,369$215,966,857
88$285,148,958$9,286,113$510,656$237,668,256
89$314,022,791$9,529,771$316,401$261,574,127
90$345,835,096$9,778,711$108,981$287,909,092
91$380,885,389$10,032,981$0$316,920,677
92$419,503,727$10,292,626$0$348,887,644
93$462,053,830$10,557,686$0$384,111,179
94$508,936,505$10,828,198$0$422,916,737
95$560,593,438$11,104,189$0$465,669,377
96$617,511,360$11,385,685$0$512,771,388
97$680,226,637$11,672,702$0$564,666,081
98$749,330,339$11,965,250$0$621,841,977
99$825,473,817$12,263,331$0$684,837,419
100$909,374,852$12,566,939$0$754,245,651