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%13.3%
1 years$179,197$177,600$176,043$174,523$173,039$170,664
2 years$88,711$87,059$85,458$83,905$82,399$80,011
3 years$58,553$56,894$55,297$53,759$52,278$49,950
4 years$43,477$41,823$40,242$38,730$37,285$35,036
5 years$34,434$32,790$31,229$29,749$28,343$26,180
6 years$28,407$26,775$25,238$23,790$22,427$20,351
7 years$24,104$22,486$20,973$19,559$18,239$16,252
8 years$20,878$19,275$17,787$16,408$15,131$13,232
9 years$18,370$16,782$15,320$13,976$12,743$10,931
10 years$16,365$14,793$13,356$12,047$10,857$9,131
11 years$14,726$13,169$11,758$10,485$9,338$7,696
12 years$13,361$11,820$10,435$9,196$8,092$6,533
13 years$12,207$10,682$9,323$8,119$7,056$5,577
14 years$11,218$9,709$8,377$7,207$6,185$4,785
15 years$10,362$8,870$7,563$6,428$5,446$4,121
16 years$9,614$8,138$6,857$5,755$4,813$3,561
17 years$8,954$7,494$6,240$5,171$4,268$3,086
18 years$8,369$6,925$5,696$4,660$3,795$2,681
19 years$7,846$6,418$5,215$4,211$3,382$2,334
20 years$7,375$5,964$4,786$3,814$3,021$2,036
21 years$6,950$5,555$4,402$3,461$2,704$1,778
22 years$6,564$5,186$4,057$3,147$2,423$1,555
23 years$6,212$4,850$3,746$2,866$2,175$1,361
24 years$5,890$4,544$3,464$2,614$1,955$1,193
25 years$5,595$4,265$3,209$2,387$1,759$1,047
26 years$5,322$4,008$2,976$2,183$1,585$919
27 years$5,070$3,772$2,763$1,998$1,429$807
28 years$4,836$3,554$2,569$1,831$1,289$709
29 years$4,619$3,353$2,391$1,679$1,164$624
30 years$4,417$3,167$2,227$1,541$1,052$549
31 years$4,228$2,994$2,076$1,415$951$483
32 years$4,052$2,832$1,937$1,300$860$425
33 years$3,886$2,682$1,808$1,196$779$375
34 years$3,731$2,542$1,690$1,100$705$330
35 years$3,584$2,411$1,580$1,013$638$291
36 years$3,446$2,289$1,478$933$578$256
37 years$3,316$2,174$1,383$859$524$226
38 years$3,193$2,066$1,295$792$475$199
39 years$3,077$1,964$1,214$730$431$176
40 years$2,967$1,869$1,138$674$391$155
41 years$2,862$1,779$1,067$622$355$137
42 years$2,763$1,694$1,001$574$322$120
43 years$2,668$1,614$939$530$292$106
44 years$2,578$1,539$881$489$265$94
45 years$2,493$1,467$827$452$241$83
46 years$2,411$1,400$777$417$219$73
47 years$2,333$1,336$730$385$198$64
48 years$2,258$1,275$686$356$180$57
49 years$2,187$1,218$645$329$164$50
50 years$2,119$1,163$606$304$149$44

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 $6,374 every year, while hoping to spend $20,596 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: 63/28/9 Blend
34$2,170,000$2,170,000$2,170,000$2,170,000
35$2,397,915$2,282,905$2,249,270$2,543,994
36$2,620,588$2,372,853$2,302,706$2,732,285
37$2,865,284$2,466,519$2,357,243$2,934,808
38$3,134,226$2,564,062$2,412,894$3,155,408
39$3,429,867$2,665,650$2,469,675$3,395,839
40$3,754,905$2,771,458$2,527,601$3,658,027
41$4,112,315$2,881,670$2,586,686$3,944,093
42$4,505,376$2,996,476$2,646,944$4,256,370
43$4,937,696$3,116,076$2,708,389$4,597,425
44$5,413,256$3,240,679$2,771,035$4,970,082
45$5,936,439$3,370,502$2,834,895$5,377,450
46$6,512,073$3,505,775$2,899,982$5,822,950
47$7,145,481$3,646,734$2,966,308$6,310,348
48$7,842,526$3,793,629$3,033,884$6,843,789
49$8,609,667$3,946,721$3,102,723$7,427,835
50$9,454,024$4,106,281$3,172,836$8,067,509
51$10,383,440$4,272,594$3,244,231$8,768,342
52$11,406,557$4,445,958$3,316,919$9,536,422
53$12,532,898$4,626,682$3,390,908$10,378,451
54$13,772,957$4,815,092$3,466,206$11,301,813
55$15,138,295$5,011,528$3,542,820$12,314,633
56$16,641,653$5,216,345$3,620,757$13,425,864
57$18,297,070$5,429,914$3,700,020$14,645,360
58$20,120,015$5,652,624$3,780,616$15,983,976
59$22,127,536$5,884,882$3,862,545$17,453,667
60$24,338,414$6,127,111$3,945,810$19,067,598
61$26,773,349$6,379,756$4,030,412$20,840,270
62$29,455,149$6,643,283$4,116,349$22,787,654
63$32,408,946$6,918,176$4,203,618$24,927,342
64$35,662,436$7,204,943$4,292,217$27,278,709
65$39,246,137$7,504,118$4,382,138$29,863,100
66$43,193,678$7,816,255$4,473,375$32,704,025
67$47,542,119$8,141,937$4,565,919$35,827,382
68$52,332,294$8,481,771$4,659,757$39,261,700
69$57,609,206$8,836,395$4,754,876$43,038,407
70$63,422,441$9,206,475$4,851,261$47,192,125
71$69,826,645$9,592,707$4,948,893$51,760,993
72$76,882,034$9,995,821$5,047,752$56,787,031
73$84,654,964$10,416,579$5,147,814$62,316,529
74$93,218,559$10,855,780$5,249,054$68,400,485
75$102,653,397$11,314,258$5,351,443$75,095,085
76$113,048,275$11,792,888$5,454,947$82,462,231
77$124,501,043$12,292,584$5,559,532$90,570,122
78$137,119,532$12,814,303$5,665,159$99,493,898
79$151,022,567$13,359,047$5,771,785$109,316,345
80$166,341,093$13,927,864$5,879,363$120,128,676
81$183,219,406$14,521,851$5,987,844$132,031,388
82$201,816,520$15,142,156$6,097,171$145,135,212
83$222,307,665$15,789,981$6,207,286$159,562,148
84$244,885,941$16,466,585$6,318,125$175,446,624
85$269,764,143$17,173,283$6,429,617$192,936,754
86$297,176,765$17,911,454$6,541,690$212,195,737
87$327,382,221$18,682,541$6,654,262$233,403,395
88$360,665,277$19,488,054$6,767,249$256,757,866
89$397,339,741$20,329,575$6,880,557$282,477,470
90$437,751,428$21,208,758$6,994,090$310,802,772
91$482,281,423$22,127,337$7,107,741$341,998,841
92$531,349,677$23,087,125$7,221,400$376,357,756
93$585,418,973$24,090,023$7,334,946$414,201,355
94$644,999,294$25,138,019$7,448,251$455,884,273
95$710,652,636$26,233,196$7,561,182$501,797,279
96$782,998,316$27,377,735$7,673,593$552,370,970
97$862,718,818$28,573,917$7,785,332$608,079,821
98$950,566,233$29,824,135$7,896,236$669,446,668
99$1,047,369,363$31,130,891$8,006,134$737,047,634
100$1,154,041,541$32,496,808$8,114,843$811,517,563