Can I retire at age 35 with 2,110,000?

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 $2,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$174,242$172,690$171,176$169,698$168,254$167,194
2 years$86,258$84,652$83,095$81,585$80,121$79,052
3 years$56,934$55,321$53,768$52,273$50,832$49,786
4 years$42,275$40,667$39,129$37,659$36,254$35,240
5 years$33,482$31,883$30,366$28,926$27,560$26,581
6 years$27,622$26,035$24,540$23,132$21,807$20,864
7 years$23,438$21,864$20,393$19,018$17,735$16,829
8 years$20,301$18,742$17,295$15,954$14,713$13,843
9 years$17,862$16,318$14,896$13,589$12,390$11,557
10 years$15,913$14,383$12,987$11,714$10,557$9,760
11 years$14,319$12,805$11,433$10,195$9,080$8,318
12 years$12,991$11,493$10,147$8,942$7,868$7,142
13 years$11,869$10,386$9,065$7,895$6,861$6,169
14 years$10,908$9,441$8,145$7,008$6,014$5,355
15 years$10,076$8,624$7,354$6,250$5,296$4,669
16 years$9,348$7,913$6,668$5,596$4,680$4,085
17 years$8,707$7,287$6,067$5,028$4,150$3,585
18 years$8,137$6,734$5,539$4,531$3,690$3,155
19 years$7,629$6,241$5,070$4,094$3,289$2,782
20 years$7,171$5,799$4,653$3,708$2,938$2,459
21 years$6,758$5,402$4,280$3,365$2,629$2,176
22 years$6,383$5,042$3,945$3,060$2,356$1,929
23 years$6,041$4,716$3,642$2,787$2,115$1,713
24 years$5,728$4,419$3,369$2,542$1,901$1,522
25 years$5,440$4,147$3,120$2,321$1,711$1,354
26 years$5,175$3,897$2,894$2,122$1,541$1,206
27 years$4,930$3,668$2,687$1,943$1,389$1,074
28 years$4,703$3,456$2,498$1,780$1,254$958
29 years$4,492$3,260$2,324$1,632$1,132$855
30 years$4,295$3,079$2,165$1,498$1,023$763
31 years$4,111$2,911$2,019$1,376$925$682
32 years$3,940$2,754$1,883$1,264$837$609
33 years$3,779$2,608$1,758$1,163$757$544
34 years$3,627$2,472$1,643$1,070$685$487
35 years$3,485$2,345$1,536$985$621$436
36 years$3,351$2,225$1,437$907$562$390
37 years$3,225$2,114$1,345$836$510$349
38 years$3,105$2,009$1,260$770$462$312
39 years$2,992$1,910$1,180$710$419$280
40 years$2,885$1,817$1,106$655$380$250
41 years$2,783$1,730$1,037$604$345$224
42 years$2,686$1,647$973$558$313$201
43 years$2,594$1,570$913$515$284$180
44 years$2,507$1,496$857$475$258$161
45 years$2,424$1,427$805$439$234$144
46 years$2,344$1,361$756$406$212$129
47 years$2,268$1,299$710$375$193$116
48 years$2,196$1,240$667$346$175$104
49 years$2,126$1,184$627$320$159$93
50 years$2,060$1,131$590$296$145$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,110,000, adding $6,708 every year, while hoping to spend $32,880 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: 44/46/10 Blend
34$2,110,000$2,110,000$2,110,000$2,110,000
35$2,332,139$2,220,309$2,187,604$2,427,795
36$2,535,033$2,294,120$2,225,905$2,568,715
37$2,757,521$2,370,446$2,264,387$2,717,480
38$3,001,565$2,449,375$2,303,021$2,877,972
39$3,269,329$2,530,999$2,341,777$3,051,281
40$3,563,196$2,615,414$2,380,622$3,238,604
41$3,885,790$2,702,717$2,419,520$3,441,259
42$4,240,002$2,793,011$2,458,435$3,660,693
43$4,629,015$2,886,402$2,497,326$3,898,496
44$5,056,339$2,983,000$2,536,151$4,156,418
45$5,525,838$3,082,918$2,574,864$4,436,385
46$6,041,768$3,186,277$2,613,417$4,740,511
47$6,608,821$3,293,197$2,651,759$5,071,126
48$7,232,163$3,403,806$2,689,835$5,430,790
49$7,917,487$3,518,236$2,727,588$5,822,322
50$8,671,065$3,636,624$2,764,956$6,248,823
51$9,499,807$3,759,111$2,801,876$6,713,704
52$10,411,326$3,885,846$2,838,277$7,220,722
53$11,414,009$4,016,981$2,874,087$7,774,010
54$12,517,099$4,152,674$2,909,231$8,378,118
55$13,730,779$4,293,091$2,943,625$9,038,055
56$15,066,267$4,438,401$2,977,186$9,759,333
57$16,535,926$4,588,782$3,009,821$10,548,025
58$18,153,377$4,744,419$3,041,436$11,410,812
59$19,933,627$4,905,501$3,071,930$12,355,054
60$21,893,214$5,072,228$3,101,197$13,388,855
61$24,050,359$5,244,804$3,129,124$14,521,137
62$26,425,140$5,423,444$3,155,594$15,761,726
63$29,039,680$5,608,368$3,180,483$17,121,445
64$31,918,358$5,799,809$3,203,659$18,612,211
65$35,088,035$5,998,003$3,224,985$20,247,151
66$38,578,309$6,203,201$3,244,318$22,040,721
67$42,421,798$6,415,659$3,261,503$24,008,845
68$46,654,440$6,635,645$3,276,382$26,169,062
69$51,315,839$6,863,437$3,288,787$28,540,693
70$56,449,633$7,099,324$3,298,540$31,145,017
71$62,103,912$7,343,607$3,305,457$34,005,479
72$68,331,664$7,596,597$3,309,343$37,147,901
73$75,191,280$7,858,617$3,309,993$40,600,733
74$82,747,107$8,130,005$3,307,194$44,395,314
75$91,070,046$8,411,110$3,300,719$48,566,169
76$100,238,231$8,702,295$3,290,334$53,151,335
77$110,337,761$9,003,938$3,275,790$58,192,717
78$121,463,513$9,316,431$3,256,830$63,736,480
79$133,720,037$9,640,182$3,233,179$69,833,489
80$147,222,546$9,975,615$3,204,555$76,539,783
81$162,097,996$10,323,171$3,170,659$83,917,103
82$178,486,293$10,683,308$3,131,177$92,033,476
83$196,541,607$11,056,502$3,085,784$100,963,851
84$216,433,829$11,443,249$3,034,136$110,790,809
85$238,350,175$11,844,063$2,975,874$121,605,340
86$262,496,950$12,259,480$2,910,623$133,507,696
87$289,101,501$12,690,056$2,837,991$146,608,343
88$318,414,357$13,136,372$2,757,567$161,028,993
89$350,711,596$13,599,029$2,668,920$176,903,758
90$386,297,451$14,078,653$2,571,601$194,380,411
91$425,507,181$14,575,898$2,465,140$213,621,779
92$468,710,237$15,091,440$2,349,045$234,807,277
93$516,313,746$15,625,985$2,222,803$258,134,602
94$568,766,358$16,180,268$2,085,876$283,821,593
95$626,562,477$16,755,051$1,937,704$312,108,289
96$690,246,931$17,351,131$1,777,699$343,259,189
97$760,420,115$17,969,333$1,605,249$377,565,749
98$837,743,656$18,610,520$1,419,714$415,349,128
99$922,946,660$19,275,586$1,220,425$456,963,218
100$1,016,832,594$19,965,465$1,006,684$502,797,984