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%19.9%
1 years$165,984$164,505$163,063$161,655$160,280$153,921
2 years$82,170$80,640$79,157$77,719$76,324$69,996
3 years$54,236$52,699$51,220$49,795$48,423$42,325
4 years$40,272$38,739$37,275$35,875$34,536$28,715
5 years$31,895$30,372$28,927$27,555$26,253$20,725
6 years$26,313$24,801$23,377$22,036$20,773$15,540
7 years$22,327$20,828$19,427$18,117$16,894$11,954
8 years$19,339$17,853$16,475$15,198$14,016$9,364
9 years$17,016$15,545$14,190$12,945$11,803$7,432
10 years$15,159$13,702$12,371$11,159$10,057$5,959
11 years$13,640$12,198$10,891$9,712$8,649$4,814
12 years$12,376$10,948$9,666$8,518$7,495$3,913
13 years$11,307$9,894$8,636$7,520$6,536$3,196
14 years$10,391$8,993$7,759$6,676$5,729$2,620
15 years$9,598$8,216$7,006$5,954$5,045$2,155
16 years$8,905$7,538$6,352$5,331$4,458$1,776
17 years$8,294$6,942$5,780$4,790$3,953$1,467
18 years$7,752$6,415$5,276$4,317$3,515$1,214
19 years$7,267$5,945$4,830$3,900$3,133$1,006
20 years$6,831$5,524$4,433$3,533$2,798$835
21 years$6,438$5,146$4,077$3,206$2,504$693
22 years$6,080$4,803$3,758$2,915$2,245$576
23 years$5,754$4,492$3,470$2,655$2,015$479
24 years$5,456$4,209$3,209$2,421$1,811$398
25 years$5,182$3,950$2,972$2,211$1,630$331
26 years$4,930$3,712$2,756$2,022$1,468$276
27 years$4,696$3,494$2,560$1,851$1,324$230
28 years$4,480$3,292$2,380$1,696$1,194$191
29 years$4,279$3,106$2,214$1,555$1,078$159
30 years$4,091$2,933$2,063$1,427$974$133
31 years$3,917$2,773$1,923$1,311$881$111
32 years$3,753$2,624$1,794$1,204$797$92
33 years$3,600$2,485$1,675$1,108$721$77
34 years$3,456$2,355$1,565$1,019$653$64
35 years$3,320$2,234$1,463$938$591$53
36 years$3,192$2,120$1,369$864$536$45
37 years$3,072$2,013$1,281$796$486$37
38 years$2,958$1,914$1,200$734$440$31
39 years$2,850$1,820$1,124$677$399$26
40 years$2,748$1,731$1,054$624$362$22
41 years$2,651$1,648$988$576$329$18
42 years$2,559$1,569$927$531$298$15
43 years$2,471$1,495$870$490$271$13
44 years$2,388$1,425$816$453$246$10
45 years$2,309$1,359$766$418$223$9
46 years$2,233$1,297$720$386$202$7
47 years$2,161$1,237$676$357$184$6
48 years$2,092$1,181$636$330$167$5
49 years$2,026$1,128$597$305$152$4
50 years$1,962$1,078$562$282$138$4

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 $5,467 every year, while hoping to spend $32,122 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: 59/17/24 Blend
34$2,010,000$2,010,000$2,010,000$2,010,000
35$2,220,659$2,114,129$2,082,974$2,337,070
36$2,412,989$2,183,544$2,118,576$2,486,376
37$2,623,860$2,255,283$2,154,294$2,645,216
38$2,855,129$2,329,428$2,190,099$2,817,770
39$3,108,842$2,406,060$2,225,957$3,005,377
40$3,387,252$2,485,265$2,261,835$3,209,508
41$3,692,841$2,567,132$2,297,696$3,431,784
42$4,028,343$2,651,754$2,333,501$3,673,988
43$4,396,770$2,739,225$2,369,209$3,938,087
44$4,801,438$2,829,645$2,404,775$4,226,243
45$5,246,003$2,923,116$2,440,153$4,540,840
46$5,734,490$3,019,744$2,475,293$4,884,501
47$6,271,335$3,119,638$2,510,142$5,260,117
48$6,861,423$3,222,913$2,544,645$5,670,872
49$7,510,139$3,329,686$2,578,741$6,120,272
50$8,223,413$3,440,080$2,612,368$6,612,178
51$9,007,778$3,554,221$2,645,459$7,150,847
52$9,870,435$3,672,241$2,677,945$7,740,965
53$10,819,314$3,794,276$2,709,751$8,387,694
54$11,863,154$3,920,466$2,740,799$9,096,722
55$13,011,585$4,050,958$2,771,005$9,874,316
56$14,275,216$4,185,904$2,800,282$10,727,379
57$15,665,734$4,325,460$2,828,538$11,663,515
58$17,196,021$4,469,789$2,855,676$12,691,104
59$18,880,267$4,619,060$2,881,593$13,819,378
60$20,734,108$4,773,449$2,906,181$15,058,508
61$22,774,776$4,933,136$2,929,326$16,419,701
62$25,021,254$5,098,311$2,950,909$17,915,304
63$27,494,461$5,269,167$2,970,804$19,558,922
64$30,217,448$5,445,909$2,988,878$21,365,546
65$33,215,615$5,628,745$3,004,992$23,351,692
66$36,516,947$5,817,893$3,019,000$25,535,560
67$40,152,286$6,013,581$3,030,746$27,937,204
68$44,155,614$6,216,041$3,040,071$30,578,721
69$48,564,377$6,425,517$3,046,803$33,484,459
70$53,419,837$6,642,261$3,050,766$36,681,246
71$58,767,465$6,866,536$3,051,770$40,198,647
72$64,657,362$7,098,612$3,049,620$44,069,238
73$71,144,741$7,338,772$3,044,111$48,328,915
74$78,290,441$7,587,308$3,035,025$53,017,233
75$86,161,504$7,844,524$3,022,136$58,177,781
76$94,831,807$8,110,735$3,005,207$63,858,589
77$104,382,758$8,386,268$2,983,988$70,112,584
78$114,904,066$8,671,462$2,958,219$76,998,089
79$126,494,587$8,966,670$2,927,626$84,579,373
80$139,263,257$9,272,258$2,891,922$92,927,259
81$153,330,116$9,588,606$2,850,809$102,119,789
82$168,827,448$9,916,108$2,803,971$112,242,963
83$185,901,025$10,255,174$2,751,081$123,391,551
84$204,711,481$10,606,230$2,691,794$135,669,985
85$225,435,833$10,969,716$2,625,750$149,193,349
86$248,269,148$11,346,092$2,552,573$164,088,459
87$273,426,386$11,735,835$2,471,869$180,495,065
88$301,144,426$12,139,440$2,383,225$198,567,169
89$331,684,305$12,557,420$2,286,211$218,474,476
90$365,333,681$12,990,311$2,180,376$240,404,000
91$402,409,547$13,438,667$2,065,249$264,561,826
92$443,261,224$13,903,065$1,940,338$291,175,056
93$488,273,658$14,384,104$1,805,129$320,493,955
94$537,871,054$14,882,408$1,659,083$352,794,310
95$592,520,879$15,398,623$1,501,640$388,380,035
96$652,738,276$15,933,423$1,332,212$427,586,042
97$719,090,926$16,487,506$1,150,187$470,781,398
98$792,204,406$17,061,600$954,924$518,372,812
99$872,768,097$17,656,460$745,755$570,808,476
100$961,541,688$18,272,871$521,983$628,582,291