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%17.3%
1 years$174,242$172,690$171,176$169,698$168,254$163,261
2 years$86,258$84,652$83,095$81,585$80,121$75,132
3 years$56,934$55,321$53,768$52,273$50,832$46,003
4 years$42,275$40,667$39,129$37,659$36,254$31,622
5 years$33,482$31,883$30,366$28,926$27,560$23,138
6 years$27,622$26,035$24,540$23,132$21,807$17,599
7 years$23,438$21,864$20,393$19,018$17,735$13,741
8 years$20,301$18,742$17,295$15,954$14,713$10,930
9 years$17,862$16,318$14,896$13,589$12,390$8,815
10 years$15,913$14,383$12,987$11,714$10,557$7,184
11 years$14,319$12,805$11,433$10,195$9,080$5,903
12 years$12,991$11,493$10,147$8,942$7,868$4,882
13 years$11,869$10,386$9,065$7,895$6,861$4,058
14 years$10,908$9,441$8,145$7,008$6,014$3,388
15 years$10,076$8,624$7,354$6,250$5,296$2,838
16 years$9,348$7,913$6,668$5,596$4,680$2,384
17 years$8,707$7,287$6,067$5,028$4,150$2,008
18 years$8,137$6,734$5,539$4,531$3,690$1,694
19 years$7,629$6,241$5,070$4,094$3,289$1,431
20 years$7,171$5,799$4,653$3,708$2,938$1,211
21 years$6,758$5,402$4,280$3,365$2,629$1,026
22 years$6,383$5,042$3,945$3,060$2,356$870
23 years$6,041$4,716$3,642$2,787$2,115$738
24 years$5,728$4,419$3,369$2,542$1,901$627
25 years$5,440$4,147$3,120$2,321$1,711$533
26 years$5,175$3,897$2,894$2,122$1,541$453
27 years$4,930$3,668$2,687$1,943$1,389$385
28 years$4,703$3,456$2,498$1,780$1,254$328
29 years$4,492$3,260$2,324$1,632$1,132$279
30 years$4,295$3,079$2,165$1,498$1,023$237
31 years$4,111$2,911$2,019$1,376$925$202
32 years$3,940$2,754$1,883$1,264$837$172
33 years$3,779$2,608$1,758$1,163$757$147
34 years$3,627$2,472$1,643$1,070$685$125
35 years$3,485$2,345$1,536$985$621$106
36 years$3,351$2,225$1,437$907$562$91
37 years$3,225$2,114$1,345$836$510$77
38 years$3,105$2,009$1,260$770$462$66
39 years$2,992$1,910$1,180$710$419$56
40 years$2,885$1,817$1,106$655$380$48
41 years$2,783$1,730$1,037$604$345$41
42 years$2,686$1,647$973$558$313$35
43 years$2,594$1,570$913$515$284$30
44 years$2,507$1,496$857$475$258$25
45 years$2,424$1,427$805$439$234$22
46 years$2,344$1,361$756$406$212$18
47 years$2,268$1,299$710$375$193$16
48 years$2,196$1,240$667$346$175$13
49 years$2,126$1,184$627$320$159$11
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 $5,410 every year, while hoping to spend $36,952 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: 72/8/20 Blend
34$2,110,000$2,110,000$2,110,000$2,110,000
35$2,330,800$2,218,970$2,186,265$2,486,998
36$2,529,225$2,288,383$2,220,189$2,661,048
37$2,746,651$2,359,959$2,254,010$2,846,664
38$2,984,977$2,433,764$2,287,687$3,049,023
39$3,246,294$2,509,869$2,321,174$3,269,782
40$3,532,907$2,588,342$2,354,424$3,510,764
41$3,847,352$2,669,260$2,387,385$3,773,979
42$4,192,424$2,752,696$2,420,005$4,061,639
43$4,571,202$2,838,728$2,452,225$4,376,181
44$4,987,076$2,927,437$2,483,986$4,720,292
45$5,443,782$3,018,906$2,515,224$5,096,927
46$5,945,435$3,113,220$2,545,872$5,509,345
47$6,496,567$3,210,466$2,575,857$5,961,137
48$7,102,174$3,310,735$2,605,104$6,456,256
49$7,767,755$3,414,121$2,633,535$6,999,058
50$8,499,372$3,520,718$2,661,064$7,594,344
51$9,303,702$3,630,628$2,687,604$8,247,402
52$10,188,102$3,743,951$2,713,061$8,964,058
53$11,160,676$3,860,792$2,737,336$9,750,731
54$12,230,354$3,981,261$2,760,326$10,614,495
55$13,406,976$4,105,468$2,781,923$11,563,143
56$14,701,380$4,233,528$2,802,010$12,605,261
57$16,125,510$4,365,561$2,820,467$13,750,312
58$17,692,527$4,501,688$2,837,167$15,008,721
59$19,416,929$4,642,034$2,851,976$16,391,975
60$21,314,692$4,786,731$2,864,754$17,912,733
61$23,403,420$4,935,910$2,875,353$19,584,943
62$25,702,510$5,089,710$2,883,617$21,423,974
63$28,233,332$5,248,272$2,889,385$23,446,761
64$31,019,437$5,411,743$2,892,485$25,671,968
65$34,086,774$5,580,273$2,892,737$28,120,159
66$37,463,934$5,754,015$2,889,953$30,813,994
67$41,182,425$5,933,132$2,883,936$33,778,445
68$45,276,963$6,117,785$2,874,478$37,041,029
69$49,785,802$6,308,146$2,861,362$40,632,067
70$54,751,096$6,504,387$2,844,360$44,584,974
71$60,219,296$6,706,690$2,823,234$48,936,571
72$66,241,584$6,915,238$2,797,733$53,727,435
73$72,874,364$7,130,223$2,767,595$59,002,277
74$80,179,785$7,351,840$2,732,545$64,810,372
75$88,226,335$7,580,292$2,692,298$71,206,018
76$97,089,482$7,815,787$2,646,550$78,249,048
77$106,852,387$8,058,539$2,594,988$86,005,402
78$117,606,692$8,308,769$2,537,281$94,547,740
79$129,453,380$8,566,704$2,473,086$103,956,136
80$142,503,731$8,832,578$2,402,040$114,318,828
81$156,880,369$9,106,632$2,323,766$125,733,055
82$172,718,424$9,389,115$2,237,870$138,305,973
83$190,166,803$9,680,281$2,143,938$152,155,668
84$209,389,597$9,980,394$2,041,539$167,412,268
85$230,567,627$10,289,725$1,930,222$184,219,175
86$253,900,156$10,608,552$1,809,515$202,734,418
87$279,606,763$10,937,163$1,678,926$223,132,144
88$307,929,421$11,275,852$1,537,938$245,604,261
89$339,134,778$11,624,924$1,386,015$270,362,253
90$373,516,672$11,984,693$1,222,593$297,639,174
91$411,398,910$12,355,479$1,047,087$327,691,851
92$453,138,317$12,737,616$858,882$360,803,307
93$499,128,110$13,131,444$657,340$397,285,430
94$549,801,607$13,537,314$441,790$437,481,926
95$605,636,317$13,955,589$211,537$481,771,556
96$667,158,448$14,386,640$0$530,571,716
97$734,947,875$14,830,851$0$584,349,670
98$809,643,610$15,288,614$0$643,653,663
99$891,949,838$15,760,336$0$708,997,264
100$982,642,563$16,246,433$0$780,996,221