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

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 $2,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$174,242$172,690$171,176$169,698$168,254$163,064
2 years$86,258$84,652$83,095$81,585$80,121$74,938
3 years$56,934$55,321$53,768$52,273$50,832$45,818
4 years$42,275$40,667$39,129$37,659$36,254$31,447
5 years$33,482$31,883$30,366$28,926$27,560$22,973
6 years$27,622$26,035$24,540$23,132$21,807$17,445
7 years$23,438$21,864$20,393$19,018$17,735$13,597
8 years$20,301$18,742$17,295$15,954$14,713$10,797
9 years$17,862$16,318$14,896$13,589$12,390$8,692
10 years$15,913$14,383$12,987$11,714$10,557$7,070
11 years$14,319$12,805$11,433$10,195$9,080$5,798
12 years$12,991$11,493$10,147$8,942$7,868$4,786
13 years$11,869$10,386$9,065$7,895$6,861$3,971
14 years$10,908$9,441$8,145$7,008$6,014$3,308
15 years$10,076$8,624$7,354$6,250$5,296$2,765
16 years$9,348$7,913$6,668$5,596$4,680$2,318
17 years$8,707$7,287$6,067$5,028$4,150$1,947
18 years$8,137$6,734$5,539$4,531$3,690$1,639
19 years$7,629$6,241$5,070$4,094$3,289$1,382
20 years$7,171$5,799$4,653$3,708$2,938$1,167
21 years$6,758$5,402$4,280$3,365$2,629$986
22 years$6,383$5,042$3,945$3,060$2,356$834
23 years$6,041$4,716$3,642$2,787$2,115$706
24 years$5,728$4,419$3,369$2,542$1,901$598
25 years$5,440$4,147$3,120$2,321$1,711$507
26 years$5,175$3,897$2,894$2,122$1,541$430
27 years$4,930$3,668$2,687$1,943$1,389$365
28 years$4,703$3,456$2,498$1,780$1,254$310
29 years$4,492$3,260$2,324$1,632$1,132$263
30 years$4,295$3,079$2,165$1,498$1,023$223
31 years$4,111$2,911$2,019$1,376$925$190
32 years$3,940$2,754$1,883$1,264$837$161
33 years$3,779$2,608$1,758$1,163$757$137
34 years$3,627$2,472$1,643$1,070$685$116
35 years$3,485$2,345$1,536$985$621$99
36 years$3,351$2,225$1,437$907$562$84
37 years$3,225$2,114$1,345$836$510$71
38 years$3,105$2,009$1,260$770$462$61
39 years$2,992$1,910$1,180$710$419$52
40 years$2,885$1,817$1,106$655$380$44
41 years$2,783$1,730$1,037$604$345$37
42 years$2,686$1,647$973$558$313$32
43 years$2,594$1,570$913$515$284$27
44 years$2,507$1,496$857$475$258$23
45 years$2,424$1,427$805$439$234$19
46 years$2,344$1,361$756$406$212$17
47 years$2,268$1,299$710$375$193$14
48 years$2,196$1,240$667$346$175$12
49 years$2,126$1,184$627$320$159$10
50 years$2,060$1,131$590$296$145$9

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 $3,023 every year, while hoping to spend $53,329 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: 58/31/11 Blend
34$2,110,000$2,110,000$2,110,000$2,110,000
35$2,328,338$2,216,508$2,183,803$2,456,989
36$2,509,087$2,268,375$2,200,219$2,595,921
37$2,706,485$2,320,997$2,215,397$2,741,067
38$2,922,174$2,374,353$2,229,240$2,897,995
39$3,157,961$2,428,422$2,241,646$3,067,842
40$3,415,837$2,483,179$2,252,505$3,251,860
41$3,697,993$2,538,595$2,261,704$3,451,427
42$4,006,842$2,594,639$2,269,125$3,668,062
43$4,345,040$2,651,277$2,274,641$3,903,438
44$4,715,514$2,708,469$2,278,121$4,159,398
45$5,121,485$2,766,173$2,279,427$4,437,970
46$5,566,503$2,824,342$2,278,414$4,741,393
47$6,054,475$2,882,924$2,274,929$5,072,129
48$6,589,706$2,941,862$2,268,814$5,432,895
49$7,176,938$3,001,094$2,259,901$5,826,681
50$7,821,392$3,060,555$2,248,015$6,256,783
51$8,528,821$3,120,169$2,232,971$6,726,835
52$9,305,562$3,179,859$2,214,576$7,240,838
53$10,158,595$3,239,538$2,192,630$7,803,204
54$11,095,609$3,299,112$2,166,921$8,418,793
55$12,125,075$3,358,483$2,137,226$9,092,961
56$13,256,325$3,417,540$2,103,315$9,831,611
57$14,499,638$3,476,168$2,064,944$10,641,249
58$15,866,341$3,534,240$2,021,860$11,529,045
59$17,368,912$3,591,621$1,973,796$12,502,900
60$19,021,097$3,648,167$1,920,475$13,571,522
61$20,838,042$3,703,721$1,861,604$14,744,507
62$22,836,436$3,758,116$1,796,881$16,032,434
63$25,034,661$3,811,173$1,725,986$17,446,958
64$27,452,977$3,862,701$1,648,587$19,000,928
65$30,113,701$3,912,494$1,564,335$20,708,503
66$33,041,426$3,960,334$1,472,867$22,585,289
67$36,263,247$4,005,985$1,373,803$24,648,485
68$39,809,018$4,049,199$1,266,746$26,917,047
69$43,711,637$4,089,708$1,151,281$29,411,867
70$48,007,348$4,127,228$1,026,973$32,155,971
71$52,736,091$4,161,456$893,371$35,174,737
72$57,941,874$4,192,069$750,000$38,496,135
73$63,673,189$4,218,723$596,368$42,150,989
74$69,983,466$4,241,053$431,958$46,173,276
75$76,931,583$4,258,668$256,233$50,600,439
76$84,582,417$4,271,155$68,629$55,473,746
77$93,007,456$4,278,075$0$60,838,682
78$102,285,475$4,278,958$0$66,760,817
79$112,503,276$4,273,310$0$73,289,555
80$123,756,510$4,260,602$0$80,477,799
81$136,150,578$4,240,276$0$88,392,732
82$149,801,625$4,211,737$0$97,108,397
83$164,837,634$4,174,356$0$106,706,391
84$181,399,639$4,127,465$0$117,276,640
85$199,643,047$4,070,356$0$128,918,243
86$219,739,113$4,002,279$0$141,740,415
87$241,876,551$3,922,439$0$155,863,517
88$266,263,315$3,829,994$0$171,420,189
89$293,128,563$3,724,054$0$188,556,610
90$322,724,818$3,603,674$0$207,433,876
91$355,330,350$3,467,855$0$228,229,521
92$391,251,806$3,315,540$0$251,139,197
93$430,827,101$3,145,611$0$276,378,521
94$474,428,604$2,956,886$0$304,185,113
95$522,466,661$2,748,112$0$334,820,842
96$575,393,460$2,517,969$0$368,574,297
97$633,707,301$2,265,058$0$405,763,518
98$697,957,300$1,987,900$0$446,738,996
99$768,748,573$1,684,935$0$491,886,989
100$846,747,944$1,354,514$0$541,633,167