Can I retire at age 35 with 2,170,000?

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 $2,170,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$179,197$177,600$176,043$174,523$173,039$169,753
2 years$88,711$87,059$85,458$83,905$82,399$79,102
3 years$58,553$56,894$55,297$53,759$52,278$49,071
4 years$43,477$41,823$40,242$38,730$37,285$34,194
5 years$34,434$32,790$31,229$29,749$28,343$25,377
6 years$28,407$26,775$25,238$23,790$22,427$19,589
7 years$24,104$22,486$20,973$19,559$18,239$15,530
8 years$20,878$19,275$17,787$16,408$15,131$12,549
9 years$18,370$16,782$15,320$13,976$12,743$10,287
10 years$16,365$14,793$13,356$12,047$10,857$8,526
11 years$14,726$13,169$11,758$10,485$9,338$7,127
12 years$13,361$11,820$10,435$9,196$8,092$5,999
13 years$12,207$10,682$9,323$8,119$7,056$5,078
14 years$11,218$9,709$8,377$7,207$6,185$4,319
15 years$10,362$8,870$7,563$6,428$5,446$3,687
16 years$9,614$8,138$6,857$5,755$4,813$3,157
17 years$8,954$7,494$6,240$5,171$4,268$2,711
18 years$8,369$6,925$5,696$4,660$3,795$2,333
19 years$7,846$6,418$5,215$4,211$3,382$2,012
20 years$7,375$5,964$4,786$3,814$3,021$1,737
21 years$6,950$5,555$4,402$3,461$2,704$1,503
22 years$6,564$5,186$4,057$3,147$2,423$1,301
23 years$6,212$4,850$3,746$2,866$2,175$1,128
24 years$5,890$4,544$3,464$2,614$1,955$978
25 years$5,595$4,265$3,209$2,387$1,759$850
26 years$5,322$4,008$2,976$2,183$1,585$738
27 years$5,070$3,772$2,763$1,998$1,429$642
28 years$4,836$3,554$2,569$1,831$1,289$558
29 years$4,619$3,353$2,391$1,679$1,164$486
30 years$4,417$3,167$2,227$1,541$1,052$423
31 years$4,228$2,994$2,076$1,415$951$368
32 years$4,052$2,832$1,937$1,300$860$321
33 years$3,886$2,682$1,808$1,196$779$279
34 years$3,731$2,542$1,690$1,100$705$243
35 years$3,584$2,411$1,580$1,013$638$212
36 years$3,446$2,289$1,478$933$578$185
37 years$3,316$2,174$1,383$859$524$161
38 years$3,193$2,066$1,295$792$475$140
39 years$3,077$1,964$1,214$730$431$122
40 years$2,967$1,869$1,138$674$391$107
41 years$2,862$1,779$1,067$622$355$93
42 years$2,763$1,694$1,001$574$322$81
43 years$2,668$1,614$939$530$292$71
44 years$2,578$1,539$881$489$265$62
45 years$2,493$1,467$827$452$241$54
46 years$2,411$1,400$777$417$219$47
47 years$2,333$1,336$730$385$198$41
48 years$2,258$1,275$686$356$180$36
49 years$2,187$1,218$645$329$164$31
50 years$2,119$1,163$606$304$149$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,170,000, adding $4,015 every year, while hoping to spend $26,279 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: 36/34/30 Blend
34$2,170,000$2,170,000$2,170,000$2,170,000
35$2,395,481$2,280,471$2,246,836$2,460,057
36$2,611,860$2,364,254$2,294,145$2,592,485
37$2,849,428$2,451,261$2,342,157$2,732,707
38$3,110,320$2,541,623$2,390,870$2,883,598
39$3,396,886$2,635,475$2,440,277$3,046,135
40$3,711,714$2,732,960$2,490,372$3,221,396
41$4,057,658$2,834,224$2,541,149$3,410,563
42$4,437,860$2,939,422$2,592,598$3,614,933
43$4,855,782$3,048,713$2,644,710$3,835,936
44$5,315,237$3,162,266$2,697,473$4,075,139
45$5,820,428$3,280,254$2,750,875$4,334,269
46$6,375,984$3,402,858$2,804,902$4,615,222
47$6,987,006$3,530,270$2,859,538$4,920,085
48$7,659,113$3,662,686$2,914,765$5,251,153
49$8,398,497$3,800,312$2,970,564$5,610,949
50$9,211,980$3,943,364$3,026,915$6,002,250
51$10,107,079$4,092,065$3,083,793$6,428,111
52$11,092,075$4,246,651$3,141,174$6,891,893
53$12,176,095$4,407,364$3,199,032$7,397,296
54$13,369,192$4,574,461$3,257,335$7,948,389
55$14,682,446$4,748,206$3,316,052$8,549,654
56$16,128,064$4,928,876$3,375,148$9,206,021
57$17,719,497$5,116,762$3,434,586$9,922,918
58$19,471,567$5,312,165$3,494,326$10,706,322
59$21,400,606$5,515,400$3,554,325$11,562,809
60$23,524,610$5,726,796$3,614,537$12,499,623
61$25,863,407$5,946,697$3,674,911$13,524,737
62$28,438,850$6,175,460$3,735,396$14,646,932
63$31,275,015$6,413,460$3,795,934$15,875,875
64$34,398,434$6,661,087$3,856,465$17,222,213
65$37,838,343$6,918,749$3,916,925$18,697,671
66$41,626,958$7,186,871$3,977,246$20,315,158
67$45,799,778$7,465,898$4,037,354$22,088,895
68$50,395,922$7,756,294$4,097,172$24,034,543
69$55,458,496$8,058,543$4,156,618$26,169,349
70$61,035,002$8,373,151$4,215,604$28,512,313
71$67,177,784$8,700,647$4,274,038$31,084,360
72$73,944,522$9,041,582$4,331,822$33,908,539
73$81,398,777$9,396,533$4,388,852$37,010,241
74$89,610,591$9,766,102$4,445,017$40,417,432
75$98,657,148$10,150,918$4,500,202$44,160,923
76$108,623,501$10,551,637$4,554,283$48,274,650
77$119,603,377$10,968,947$4,607,131$52,796,003
78$131,700,060$11,403,563$4,658,608$57,766,168
79$145,027,364$11,856,236$4,708,569$63,230,523
80$159,710,710$12,327,747$4,756,862$69,239,054
81$175,888,311$12,818,914$4,803,325$75,846,836
82$193,712,471$13,330,593$4,847,788$83,114,544
83$213,351,027$13,863,676$4,890,073$91,109,024
84$234,988,932$14,419,097$4,929,991$99,903,927
85$258,830,000$14,997,830$4,967,343$109,580,395
86$285,098,832$15,600,895$5,001,920$120,227,831
87$314,042,932$16,229,358$5,033,504$131,944,738
88$345,935,046$16,884,332$5,061,862$144,839,645
89$381,075,738$17,566,982$5,086,751$159,032,131
90$419,796,223$18,278,523$5,107,917$174,653,952
91$462,461,497$19,020,230$5,125,091$191,850,279
92$509,473,779$19,793,431$5,137,991$210,781,069
93$561,276,312$20,599,516$5,146,322$231,622,569
94$618,357,544$21,439,941$5,149,772$254,568,978
95$681,255,740$22,316,224$5,148,015$279,834,278
96$750,564,062$23,229,956$5,140,711$307,654,251
97$826,936,171$24,182,798$5,127,498$338,288,697
98$911,092,393$25,176,488$5,108,003$372,023,889
99$1,003,826,526$26,212,844$5,081,829$409,175,268
100$1,106,013,325$27,293,767$5,048,564$450,090,417