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%17.1%
1 years$174,242$172,690$171,176$169,698$168,254$163,392
2 years$86,258$84,652$83,095$81,585$80,121$75,261
3 years$56,934$55,321$53,768$52,273$50,832$46,127
4 years$42,275$40,667$39,129$37,659$36,254$31,739
5 years$33,482$31,883$30,366$28,926$27,560$23,248
6 years$27,622$26,035$24,540$23,132$21,807$17,702
7 years$23,438$21,864$20,393$19,018$17,735$13,837
8 years$20,301$18,742$17,295$15,954$14,713$11,019
9 years$17,862$16,318$14,896$13,589$12,390$8,898
10 years$15,913$14,383$12,987$11,714$10,557$7,261
11 years$14,319$12,805$11,433$10,195$9,080$5,974
12 years$12,991$11,493$10,147$8,942$7,868$4,947
13 years$11,869$10,386$9,065$7,895$6,861$4,118
14 years$10,908$9,441$8,145$7,008$6,014$3,443
15 years$10,076$8,624$7,354$6,250$5,296$2,888
16 years$9,348$7,913$6,668$5,596$4,680$2,430
17 years$8,707$7,287$6,067$5,028$4,150$2,049
18 years$8,137$6,734$5,539$4,531$3,690$1,731
19 years$7,629$6,241$5,070$4,094$3,289$1,465
20 years$7,171$5,799$4,653$3,708$2,938$1,242
21 years$6,758$5,402$4,280$3,365$2,629$1,053
22 years$6,383$5,042$3,945$3,060$2,356$895
23 years$6,041$4,716$3,642$2,787$2,115$760
24 years$5,728$4,419$3,369$2,542$1,901$647
25 years$5,440$4,147$3,120$2,321$1,711$551
26 years$5,175$3,897$2,894$2,122$1,541$469
27 years$4,930$3,668$2,687$1,943$1,389$399
28 years$4,703$3,456$2,498$1,780$1,254$340
29 years$4,492$3,260$2,324$1,632$1,132$290
30 years$4,295$3,079$2,165$1,498$1,023$247
31 years$4,111$2,911$2,019$1,376$925$211
32 years$3,940$2,754$1,883$1,264$837$180
33 years$3,779$2,608$1,758$1,163$757$154
34 years$3,627$2,472$1,643$1,070$685$131
35 years$3,485$2,345$1,536$985$621$112
36 years$3,351$2,225$1,437$907$562$95
37 years$3,225$2,114$1,345$836$510$81
38 years$3,105$2,009$1,260$770$462$70
39 years$2,992$1,910$1,180$710$419$59
40 years$2,885$1,817$1,106$655$380$51
41 years$2,783$1,730$1,037$604$345$43
42 years$2,686$1,647$973$558$313$37
43 years$2,594$1,570$913$515$284$32
44 years$2,507$1,496$857$475$258$27
45 years$2,424$1,427$805$439$234$23
46 years$2,344$1,361$756$406$212$20
47 years$2,268$1,299$710$375$193$17
48 years$2,196$1,240$667$346$175$14
49 years$2,126$1,184$627$320$159$12
50 years$2,060$1,131$590$296$145$10

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 $5,118 every year, while hoping to spend $29,570 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: 79/8/13 Blend
34$2,110,000$2,110,000$2,110,000$2,110,000
35$2,330,499$2,218,669$2,185,964$2,508,303
36$2,536,748$2,295,922$2,227,732$2,703,218
37$2,763,043$2,375,969$2,269,907$2,912,698
38$3,011,398$2,458,915$2,312,474$3,141,682
39$3,284,030$2,544,872$2,355,412$3,392,106
40$3,583,383$2,633,953$2,398,700$3,666,105
41$3,912,149$2,726,277$2,442,317$3,966,030
42$4,273,291$2,821,968$2,486,237$4,294,467
43$4,670,076$2,921,153$2,530,436$4,654,268
44$5,106,101$3,023,968$2,574,883$5,048,572
45$5,585,331$3,130,550$2,619,549$5,480,839
46$6,112,133$3,241,044$2,664,402$5,954,877
47$6,691,317$3,355,602$2,709,405$6,474,883
48$7,328,183$3,474,378$2,754,523$7,045,479
49$8,028,572$3,597,537$2,799,713$7,671,759
50$8,798,917$3,725,247$2,844,935$8,359,331
51$9,646,308$3,857,686$2,890,141$9,114,376
52$10,578,554$3,995,035$2,935,284$9,943,703
53$11,604,262$4,137,487$2,980,311$10,854,812
54$12,732,913$4,285,240$3,025,167$11,855,968
55$13,974,954$4,438,501$3,069,795$12,956,276
56$15,341,896$4,597,485$3,114,130$14,165,766
57$16,846,425$4,762,416$3,158,108$15,495,492
58$18,502,514$4,933,528$3,201,659$16,957,630
59$20,325,563$5,111,064$3,244,707$18,565,597
60$22,332,541$5,295,277$3,287,175$20,334,177
61$24,542,145$5,486,430$3,328,980$22,279,657
62$26,974,976$5,684,797$3,370,033$24,419,985
63$29,653,736$5,890,665$3,410,242$26,774,936
64$32,603,440$6,104,330$3,449,508$29,366,299
65$35,851,652$6,326,104$3,487,728$32,218,083
66$39,428,745$6,556,308$3,524,792$35,356,744
67$43,368,189$6,795,279$3,560,584$38,811,432
68$47,706,865$7,043,368$3,594,984$42,614,268
69$52,485,411$7,300,939$3,627,862$46,800,645
70$57,748,612$7,568,374$3,659,084$51,409,565
71$63,545,814$7,846,067$3,688,507$56,484,003
72$69,931,396$8,134,434$3,715,981$62,071,315
73$76,965,280$8,433,903$3,741,348$68,223,683
74$84,713,499$8,744,925$3,764,444$74,998,608
75$93,248,815$9,067,966$3,785,092$82,459,454
76$102,651,412$9,403,513$3,803,110$90,676,042
77$113,009,647$9,752,076$3,818,305$99,725,311
78$124,420,887$10,114,184$3,830,475$109,692,046
79$136,992,428$10,490,390$3,839,406$120,669,673
80$150,842,505$10,881,268$3,844,875$132,761,145
81$166,101,411$11,287,421$3,846,649$146,079,910
82$182,912,724$11,709,473$3,844,481$160,750,986
83$201,434,663$12,148,079$3,838,112$176,912,135
84$221,841,583$12,603,919$3,827,273$194,715,167
85$244,325,616$13,077,703$3,811,679$214,327,372
86$269,098,491$13,570,173$3,791,032$235,933,098
87$296,393,527$14,082,101$3,765,022$259,735,492
88$326,467,837$14,614,294$3,733,320$285,958,415
89$359,604,755$15,167,592$3,695,584$314,848,558
90$396,116,509$15,742,874$3,651,456$346,677,766
91$436,347,174$16,341,055$3,600,560$381,745,609
92$480,675,909$16,963,091$3,542,503$420,382,205
93$529,520,547$17,609,978$3,476,872$462,951,339
94$583,341,533$18,282,756$3,403,237$509,853,895
95$642,646,271$18,982,513$3,321,147$561,531,640
96$707,993,915$19,710,380$3,230,130$618,471,395
97$780,000,647$20,467,542$3,129,692$681,209,628
98$859,345,493$21,255,231$3,019,317$750,337,522
99$946,776,734$22,074,738$2,898,465$826,506,550
100$1,043,118,968$22,927,408$2,766,571$910,434,629