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%15.8%
1 years$179,197$177,600$176,043$174,523$173,039$168,924
2 years$88,711$87,059$85,458$83,905$82,399$78,278
3 years$58,553$56,894$55,297$53,759$52,278$48,278
4 years$43,477$41,823$40,242$38,730$37,285$33,438
5 years$34,434$32,790$31,229$29,749$28,343$24,661
6 years$28,407$26,775$25,238$23,790$22,427$18,912
7 years$24,104$22,486$20,973$19,559$18,239$14,892
8 years$20,878$19,275$17,787$16,408$15,131$11,950
9 years$18,370$16,782$15,320$13,976$12,743$9,725
10 years$16,365$14,793$13,356$12,047$10,857$8,001
11 years$14,726$13,169$11,758$10,485$9,338$6,638
12 years$13,361$11,820$10,435$9,196$8,092$5,544
13 years$12,207$10,682$9,323$8,119$7,056$4,655
14 years$11,218$9,709$8,377$7,207$6,185$3,927
15 years$10,362$8,870$7,563$6,428$5,446$3,324
16 years$9,614$8,138$6,857$5,755$4,813$2,823
17 years$8,954$7,494$6,240$5,171$4,268$2,403
18 years$8,369$6,925$5,696$4,660$3,795$2,050
19 years$7,846$6,418$5,215$4,211$3,382$1,752
20 years$7,375$5,964$4,786$3,814$3,021$1,499
21 years$6,950$5,555$4,402$3,461$2,704$1,285
22 years$6,564$5,186$4,057$3,147$2,423$1,102
23 years$6,212$4,850$3,746$2,866$2,175$947
24 years$5,890$4,544$3,464$2,614$1,955$814
25 years$5,595$4,265$3,209$2,387$1,759$700
26 years$5,322$4,008$2,976$2,183$1,585$602
27 years$5,070$3,772$2,763$1,998$1,429$518
28 years$4,836$3,554$2,569$1,831$1,289$446
29 years$4,619$3,353$2,391$1,679$1,164$385
30 years$4,417$3,167$2,227$1,541$1,052$331
31 years$4,228$2,994$2,076$1,415$951$286
32 years$4,052$2,832$1,937$1,300$860$246
33 years$3,886$2,682$1,808$1,196$779$213
34 years$3,731$2,542$1,690$1,100$705$183
35 years$3,584$2,411$1,580$1,013$638$158
36 years$3,446$2,289$1,478$933$578$136
37 years$3,316$2,174$1,383$859$524$118
38 years$3,193$2,066$1,295$792$475$102
39 years$3,077$1,964$1,214$730$431$88
40 years$2,967$1,869$1,138$674$391$76
41 years$2,862$1,779$1,067$622$355$65
42 years$2,763$1,694$1,001$574$322$56
43 years$2,668$1,614$939$530$292$49
44 years$2,578$1,539$881$489$265$42
45 years$2,493$1,467$827$452$241$36
46 years$2,411$1,400$777$417$219$31
47 years$2,333$1,336$730$385$198$27
48 years$2,258$1,275$686$356$180$23
49 years$2,187$1,218$645$329$164$20
50 years$2,119$1,163$606$304$149$17

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 $4,352 every year, while hoping to spend $29,448 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: 69/10/21 Blend
34$2,170,000$2,170,000$2,170,000$2,170,000
35$2,395,829$2,280,819$2,247,184$2,548,347
36$2,608,871$2,361,247$2,291,132$2,731,263
37$2,842,657$2,444,628$2,335,566$2,927,501
38$3,099,270$2,531,078$2,380,470$3,141,523
39$3,381,008$2,620,713$2,425,828$3,375,084
40$3,690,400$2,713,657$2,471,622$3,630,117
41$4,030,233$2,810,038$2,517,834$3,908,751
42$4,403,576$2,909,989$2,564,440$4,213,329
43$4,813,811$3,013,649$2,611,420$4,546,431
44$5,264,664$3,121,162$2,658,746$4,910,902
45$5,760,239$3,232,679$2,706,394$5,309,870
46$6,305,058$3,348,354$2,754,332$5,746,786
47$6,904,103$3,468,352$2,802,531$6,225,447
48$7,562,862$3,592,842$2,850,956$6,750,037
49$8,287,382$3,722,000$2,899,572$7,325,166
50$9,084,326$3,856,009$2,948,339$7,955,910
51$9,961,035$3,995,062$2,997,216$8,647,862
52$10,925,597$4,139,356$3,046,159$9,407,183
53$11,986,923$4,289,099$3,095,121$10,240,662
54$13,154,832$4,444,508$3,144,050$11,155,776
55$14,440,143$4,605,807$3,192,894$12,160,764
56$15,854,777$4,773,230$3,241,594$13,264,702
57$17,411,867$4,947,022$3,290,092$14,477,590
58$19,125,888$5,127,437$3,338,320$15,810,446
59$21,012,787$5,314,739$3,386,212$17,275,409
60$23,090,135$5,509,205$3,433,694$18,885,853
61$25,377,295$5,711,123$3,480,689$20,656,516
62$27,895,602$5,920,791$3,527,115$22,603,633
63$30,668,566$6,138,522$3,572,886$24,745,095
64$33,722,092$6,364,642$3,617,910$27,100,615
65$37,084,726$6,599,490$3,662,090$29,691,912
66$40,787,922$6,843,419$3,705,324$32,542,919
67$44,866,342$7,096,798$3,747,504$35,680,008
68$49,358,179$7,360,011$3,788,516$39,132,236
69$54,305,521$7,633,459$3,828,238$42,931,621
70$59,754,745$7,917,560$3,866,545$47,113,444
71$65,756,956$8,212,748$3,903,303$51,716,582
72$72,368,472$8,519,478$3,938,369$56,783,873
73$79,651,347$8,838,224$3,971,595$62,362,521
74$87,673,966$9,169,479$4,002,826$68,504,543
75$96,511,685$9,513,758$4,031,895$75,267,256
76$106,247,543$9,871,598$4,058,630$82,713,820
77$116,973,047$10,243,560$4,082,848$90,913,834
78$128,789,031$10,630,229$4,104,357$99,943,992
79$141,806,615$11,032,213$4,122,956$109,888,806
80$156,148,248$11,450,149$4,138,432$120,841,405
81$171,948,863$11,884,700$4,150,564$132,904,413
82$189,357,157$12,336,560$4,159,117$146,190,916
83$208,536,986$12,806,451$4,163,847$160,825,530
84$229,668,918$13,295,126$4,164,495$176,945,580
85$252,951,933$13,803,373$4,160,791$194,702,390
86$278,605,304$14,332,012$4,152,452$214,262,717
87$306,870,666$14,881,902$4,139,180$235,810,319
88$338,014,295$15,453,936$4,120,664$259,547,694
89$372,329,624$16,049,049$4,096,576$285,697,990
90$410,140,008$16,668,215$4,066,574$314,507,110
91$451,801,784$17,312,453$4,030,299$346,246,032
92$497,707,626$17,982,824$3,987,375$381,213,370
93$548,290,260$18,680,438$3,937,408$419,738,190
94$604,026,541$19,406,454$3,879,985$462,183,115
95$665,441,959$20,162,080$3,814,675$508,947,752
96$733,115,597$20,948,581$3,741,026$560,472,459
97$807,685,602$21,767,275$3,658,564$617,242,505
98$889,855,201$22,619,540$3,566,794$679,792,649
99$980,399,348$23,506,814$3,465,198$748,712,189
100$1,080,172,035$24,430,600$3,353,235$824,650,523