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%11.4%
1 years$165,984$164,505$163,063$161,655$160,280$159,337
2 years$82,170$80,640$79,157$77,719$76,324$75,372
3 years$54,236$52,699$51,220$49,795$48,423$47,492
4 years$40,272$38,739$37,275$35,875$34,536$33,633
5 years$31,895$30,372$28,927$27,555$26,253$25,382
6 years$26,313$24,801$23,377$22,036$20,773$19,934
7 years$22,327$20,828$19,427$18,117$16,894$16,087
8 years$19,339$17,853$16,475$15,198$14,016$13,241
9 years$17,016$15,545$14,190$12,945$11,803$11,061
10 years$15,159$13,702$12,371$11,159$10,057$9,347
11 years$13,640$12,198$10,891$9,712$8,649$7,970
12 years$12,376$10,948$9,666$8,518$7,495$6,847
13 years$11,307$9,894$8,636$7,520$6,536$5,918
14 years$10,391$8,993$7,759$6,676$5,729$5,141
15 years$9,598$8,216$7,006$5,954$5,045$4,485
16 years$8,905$7,538$6,352$5,331$4,458$3,927
17 years$8,294$6,942$5,780$4,790$3,953$3,449
18 years$7,752$6,415$5,276$4,317$3,515$3,037
19 years$7,267$5,945$4,830$3,900$3,133$2,680
20 years$6,831$5,524$4,433$3,533$2,798$2,370
21 years$6,438$5,146$4,077$3,206$2,504$2,100
22 years$6,080$4,803$3,758$2,915$2,245$1,863
23 years$5,754$4,492$3,470$2,655$2,015$1,655
24 years$5,456$4,209$3,209$2,421$1,811$1,472
25 years$5,182$3,950$2,972$2,211$1,630$1,310
26 years$4,930$3,712$2,756$2,022$1,468$1,168
27 years$4,696$3,494$2,560$1,851$1,324$1,041
28 years$4,480$3,292$2,380$1,696$1,194$929
29 years$4,279$3,106$2,214$1,555$1,078$830
30 years$4,091$2,933$2,063$1,427$974$741
31 years$3,917$2,773$1,923$1,311$881$663
32 years$3,753$2,624$1,794$1,204$797$593
33 years$3,600$2,485$1,675$1,108$721$530
34 years$3,456$2,355$1,565$1,019$653$475
35 years$3,320$2,234$1,463$938$591$425
36 years$3,192$2,120$1,369$864$536$381
37 years$3,072$2,013$1,281$796$486$341
38 years$2,958$1,914$1,200$734$440$305
39 years$2,850$1,820$1,124$677$399$274
40 years$2,748$1,731$1,054$624$362$245
41 years$2,651$1,648$988$576$329$220
42 years$2,559$1,569$927$531$298$197
43 years$2,471$1,495$870$490$271$177
44 years$2,388$1,425$816$453$246$159
45 years$2,309$1,359$766$418$223$142
46 years$2,233$1,297$720$386$202$128
47 years$2,161$1,237$676$357$184$114
48 years$2,092$1,181$636$330$167$103
49 years$2,026$1,128$597$305$152$92
50 years$1,962$1,078$562$282$138$83

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 $3,825 every year, while hoping to spend $24,721 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: 60/20/20 Blend
34$2,010,000$2,010,000$2,010,000$2,010,000
35$2,218,965$2,112,435$2,081,280$2,340,263
36$2,418,997$2,189,642$2,124,700$2,500,047
37$2,638,603$2,269,803$2,168,746$2,671,237
38$2,879,755$2,353,037$2,213,413$2,857,448
39$3,144,622$2,439,468$2,258,695$3,060,140
40$3,435,596$2,529,225$2,304,584$3,280,919
41$3,755,312$2,622,442$2,351,073$3,521,554
42$4,106,671$2,719,259$2,398,151$3,783,991
43$4,492,871$2,819,822$2,445,809$4,070,373
44$4,917,434$2,924,284$2,494,033$4,383,058
45$5,384,241$3,032,802$2,542,812$4,724,643
46$5,897,566$3,145,542$2,592,129$5,097,985
47$6,462,121$3,262,676$2,641,968$5,506,233
48$7,083,095$3,384,385$2,692,311$5,952,852
49$7,766,206$3,510,856$2,743,139$6,441,658
50$8,517,755$3,642,283$2,794,430$6,976,854
51$9,344,682$3,778,872$2,846,160$7,563,067
52$10,254,637$3,920,833$2,898,304$8,205,393
53$11,256,046$4,068,390$2,950,833$8,909,446
54$12,358,195$4,221,774$3,003,718$9,681,407
55$13,571,316$4,381,226$3,056,928$10,528,086
56$14,906,681$4,546,997$3,110,426$11,456,982
57$16,376,713$4,719,350$3,164,175$12,476,357
58$17,995,098$4,898,559$3,218,136$13,595,309
59$19,776,920$5,084,910$3,272,266$14,823,862
60$21,738,797$5,278,702$3,326,518$16,173,058
61$23,899,042$5,480,245$3,380,843$17,655,060
62$26,277,832$5,689,865$3,435,189$19,283,267
63$28,897,403$5,907,901$3,489,500$21,072,442
64$31,782,256$6,134,706$3,543,716$23,038,846
65$34,959,390$6,370,650$3,597,774$25,200,395
66$38,458,554$6,616,119$3,651,607$27,576,827
67$42,312,533$6,871,515$3,705,141$30,189,888
68$46,557,450$7,137,258$3,758,303$33,063,537
69$51,233,114$7,413,787$3,811,009$36,224,170
70$56,383,389$7,701,561$3,863,176$39,700,869
71$62,056,614$8,001,057$3,914,712$43,525,678
72$68,306,056$8,312,775$3,965,522$47,733,899
73$75,190,409$8,637,237$4,015,503$52,364,434
74$82,774,357$8,974,988$4,064,548$57,460,140
75$91,129,174$9,326,595$4,112,543$63,068,243
76$100,333,406$9,692,654$4,159,370$69,240,775
77$110,473,605$10,073,786$4,204,900$76,035,070
78$121,645,149$10,470,638$4,249,000$83,514,299
79$133,953,143$10,883,887$4,291,530$91,748,072
80$147,513,407$11,314,242$4,332,341$100,813,087
81$162,453,576$11,762,441$4,371,275$110,793,859
82$178,914,297$12,229,256$4,408,169$121,783,511
83$197,050,560$12,715,495$4,442,848$133,884,658
84$217,033,163$13,222,000$4,475,129$147,210,369
85$239,050,320$13,749,653$4,504,820$161,885,237
86$263,309,440$14,299,373$4,531,719$178,046,552
87$290,039,084$14,872,123$4,555,612$195,845,598
88$319,491,122$15,468,909$4,576,277$215,449,076
89$351,943,112$16,090,780$4,593,477$237,040,678
90$387,700,917$16,738,836$4,606,967$260,822,822
91$427,101,596$17,414,225$4,616,485$287,018,559
92$470,516,582$18,118,145$4,621,761$315,873,676
93$518,355,192$18,851,853$4,622,509$347,659,016
94$571,068,486$19,616,659$4,618,428$382,673,036
95$629,153,530$20,413,933$4,609,203$421,244,618
96$693,158,085$21,245,110$4,594,506$463,736,174
97$763,685,777$22,111,688$4,573,989$510,547,065
98$841,401,799$23,015,234$4,547,291$562,117,371
99$927,039,187$23,957,385$4,514,030$618,932,041
100$1,021,405,743$24,939,856$4,473,809$681,525,470