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

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 $2,010,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$165,984$164,505$163,063$161,655$160,280$157,755
2 years$82,170$80,640$79,157$77,719$76,324$73,786
3 years$54,236$52,699$51,220$49,795$48,423$45,952
4 years$40,272$38,739$37,275$35,875$34,536$32,150
5 years$31,895$30,372$28,927$27,555$26,253$23,961
6 years$26,313$24,801$23,377$22,036$20,773$18,576
7 years$22,327$20,828$19,427$18,117$16,894$14,793
8 years$19,339$17,853$16,475$15,198$14,016$12,009
9 years$17,016$15,545$14,190$12,945$11,803$9,891
10 years$15,159$13,702$12,371$11,159$10,057$8,238
11 years$13,640$12,198$10,891$9,712$8,649$6,921
12 years$12,376$10,948$9,666$8,518$7,495$5,856
13 years$11,307$9,894$8,636$7,520$6,536$4,983
14 years$10,391$8,993$7,759$6,676$5,729$4,261
15 years$9,598$8,216$7,006$5,954$5,045$3,657
16 years$8,905$7,538$6,352$5,331$4,458$3,150
17 years$8,294$6,942$5,780$4,790$3,953$2,720
18 years$7,752$6,415$5,276$4,317$3,515$2,355
19 years$7,267$5,945$4,830$3,900$3,133$2,042
20 years$6,831$5,524$4,433$3,533$2,798$1,774
21 years$6,438$5,146$4,077$3,206$2,504$1,544
22 years$6,080$4,803$3,758$2,915$2,245$1,345
23 years$5,754$4,492$3,470$2,655$2,015$1,173
24 years$5,456$4,209$3,209$2,421$1,811$1,024
25 years$5,182$3,950$2,972$2,211$1,630$895
26 years$4,930$3,712$2,756$2,022$1,468$783
27 years$4,696$3,494$2,560$1,851$1,324$685
28 years$4,480$3,292$2,380$1,696$1,194$599
29 years$4,279$3,106$2,214$1,555$1,078$525
30 years$4,091$2,933$2,063$1,427$974$460
31 years$3,917$2,773$1,923$1,311$881$403
32 years$3,753$2,624$1,794$1,204$797$353
33 years$3,600$2,485$1,675$1,108$721$310
34 years$3,456$2,355$1,565$1,019$653$272
35 years$3,320$2,234$1,463$938$591$239
36 years$3,192$2,120$1,369$864$536$209
37 years$3,072$2,013$1,281$796$486$184
38 years$2,958$1,914$1,200$734$440$161
39 years$2,850$1,820$1,124$677$399$142
40 years$2,748$1,731$1,054$624$362$124
41 years$2,651$1,648$988$576$329$109
42 years$2,559$1,569$927$531$298$96
43 years$2,471$1,495$870$490$271$84
44 years$2,388$1,425$816$453$246$74
45 years$2,309$1,359$766$418$223$65
46 years$2,233$1,297$720$386$202$57
47 years$2,161$1,237$676$357$184$50
48 years$2,092$1,181$636$330$167$44
49 years$2,026$1,128$597$305$152$39
50 years$1,962$1,078$562$282$138$34

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 $2,808 every year, while hoping to spend $35,814 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: 42/30/28 Blend
34$2,010,000$2,010,000$2,010,000$2,010,000
35$2,217,916$2,111,386$2,080,231$2,292,777
36$2,406,038$2,176,739$2,111,813$2,412,297
37$2,612,148$2,244,093$2,143,253$2,538,067
38$2,838,043$2,313,509$2,174,508$2,673,593
39$3,085,702$2,385,049$2,205,532$2,819,797
40$3,357,304$2,458,778$2,236,279$2,977,693
41$3,655,252$2,534,760$2,266,696$3,148,400
42$3,982,188$2,613,064$2,296,731$3,333,147
43$4,341,026$2,693,759$2,326,327$3,533,287
44$4,734,974$2,776,917$2,355,422$3,750,311
45$5,167,566$2,862,611$2,383,954$3,985,860
46$5,642,696$2,950,917$2,411,854$4,241,739
47$6,164,653$3,041,913$2,439,053$4,519,938
48$6,738,161$3,135,680$2,465,474$4,822,648
49$7,368,425$3,232,300$2,491,039$5,152,280
50$8,061,179$3,331,858$2,515,664$5,511,491
51$8,822,742$3,434,441$2,539,261$5,903,208
52$9,660,072$3,540,140$2,561,738$6,330,654
53$10,580,839$3,649,046$2,582,995$6,797,378
54$11,593,490$3,761,255$2,602,931$7,307,291
55$12,707,334$3,876,864$2,621,437$7,864,700
56$13,932,626$3,995,975$2,638,399$8,474,352
57$15,280,666$4,118,690$2,653,698$9,141,473
58$16,763,904$4,245,115$2,667,207$9,871,824
59$18,396,057$4,375,361$2,678,793$10,671,750
60$20,192,240$4,509,539$2,688,318$11,548,242
61$22,169,108$4,647,766$2,695,636$12,509,002
62$24,345,009$4,790,158$2,700,592$13,562,516
63$26,740,164$4,936,840$2,703,026$14,718,134
64$29,376,852$5,087,936$2,702,768$15,986,159
65$32,279,621$5,243,575$2,699,641$17,377,943
66$35,475,522$5,403,890$2,693,459$18,905,994
67$38,994,361$5,569,017$2,684,026$20,584,093
68$42,868,983$5,739,096$2,671,137$22,427,427
69$47,135,578$5,914,270$2,654,579$24,452,730
70$51,834,025$6,094,687$2,634,125$26,678,441
71$57,008,268$6,280,500$2,609,541$29,124,879
72$62,706,730$6,471,863$2,580,579$31,814,434
73$68,982,769$6,668,936$2,546,981$34,771,778
74$75,895,182$6,871,885$2,508,476$38,024,098
75$83,508,761$7,080,878$2,464,781$41,601,353
76$91,894,902$7,296,088$2,415,598$45,536,558
77$101,132,278$7,517,693$2,360,617$49,866,092
78$111,307,587$7,745,876$2,299,514$54,630,045
79$122,516,361$7,980,824$2,231,947$59,872,595
80$134,863,874$8,222,730$2,157,563$65,642,426
81$148,466,136$8,471,790$2,075,988$71,993,184
82$163,450,983$8,728,208$1,986,834$78,983,990
83$179,959,284$8,992,192$1,889,694$86,679,992
84$198,146,276$9,263,954$1,784,143$95,152,984
85$218,183,022$9,543,713$1,669,738$104,482,081
86$240,258,029$9,831,695$1,546,014$114,754,469
87$264,579,028$10,128,128$1,412,485$126,066,226
88$291,374,932$10,433,249$1,268,646$138,523,230
89$320,897,996$10,747,299$1,113,967$152,242,158
90$353,426,201$11,070,526$947,894$167,351,590
91$389,265,877$11,403,185$769,852$183,993,220
92$428,754,591$11,745,536$579,237$202,323,196
93$472,264,337$12,097,845$375,419$222,513,594
94$520,205,046$12,460,385$157,741$244,754,042
95$573,028,454$12,833,437$0$269,253,513
96$631,232,368$13,217,288$0$296,264,569
97$695,365,364$13,612,229$0$326,070,457
98$766,031,965$14,018,563$0$358,903,889
99$843,898,349$14,436,596$0$395,073,294
100$929,698,635$14,866,643$0$434,918,550