Can I retire at age 35 with 2,210,000?

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 $2,210,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$182,500$180,874$179,288$177,740$176,229$171,551
2 years$90,346$88,664$87,033$85,452$83,918$79,238
3 years$59,633$57,943$56,316$54,750$53,241$48,705
4 years$44,279$42,594$40,984$39,444$37,972$33,615
5 years$35,069$33,394$31,805$30,297$28,866$24,700
6 years$28,931$27,269$25,703$24,229$22,841$18,869
7 years$24,548$22,900$21,359$19,920$18,575$14,800
8 years$21,263$19,630$18,115$16,710$15,410$11,828
9 years$18,709$17,091$15,602$14,233$12,978$9,585
10 years$16,667$15,065$13,602$12,269$11,058$7,851
11 years$14,997$13,412$11,975$10,678$9,510$6,484
12 years$13,607$12,038$10,628$9,366$8,241$5,391
13 years$12,432$10,878$9,495$8,269$7,186$4,506
14 years$11,425$9,888$8,531$7,340$6,300$3,783
15 years$10,553$9,033$7,703$6,546$5,547$3,187
16 years$9,791$8,288$6,984$5,861$4,902$2,692
17 years$9,119$7,633$6,355$5,266$4,347$2,280
18 years$8,523$7,053$5,801$4,746$3,865$1,935
19 years$7,990$6,537$5,311$4,288$3,445$1,645
20 years$7,511$6,074$4,874$3,884$3,077$1,401
21 years$7,078$5,658$4,483$3,525$2,753$1,194
22 years$6,685$5,281$4,132$3,205$2,468$1,019
23 years$6,327$4,940$3,815$2,919$2,216$870
24 years$5,999$4,628$3,528$2,662$1,991$744
25 years$5,698$4,343$3,268$2,431$1,792$636
26 years$5,420$4,082$3,031$2,223$1,614$544
27 years$5,163$3,842$2,814$2,035$1,455$466
28 years$4,926$3,620$2,616$1,864$1,313$399
29 years$4,705$3,415$2,435$1,710$1,186$342
30 years$4,499$3,225$2,268$1,569$1,071$293
31 years$4,306$3,049$2,114$1,441$969$251
32 years$4,126$2,885$1,973$1,324$876$215
33 years$3,958$2,732$1,842$1,218$793$184
34 years$3,799$2,589$1,721$1,120$718$158
35 years$3,650$2,456$1,609$1,031$650$136
36 years$3,510$2,331$1,505$950$589$116
37 years$3,377$2,214$1,409$875$534$100
38 years$3,252$2,104$1,319$807$484$86
39 years$3,134$2,001$1,236$744$439$74
40 years$3,021$1,903$1,158$686$398$63
41 years$2,915$1,812$1,086$633$361$54
42 years$2,814$1,726$1,019$584$328$46
43 years$2,717$1,644$956$539$297$40
44 years$2,626$1,567$898$498$270$34
45 years$2,539$1,494$843$460$245$29
46 years$2,455$1,426$792$425$223$25
47 years$2,376$1,361$744$392$202$22
48 years$2,300$1,299$699$363$184$19
49 years$2,227$1,240$657$335$167$16
50 years$2,158$1,185$618$310$151$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,210,000, adding $3,819 every year, while hoping to spend $36,419 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: 69/25/6 Blend
34$2,210,000$2,210,000$2,210,000$2,210,000
35$2,439,359$2,322,229$2,287,974$2,605,389
36$2,649,424$2,397,269$2,325,872$2,790,760
37$2,879,696$2,474,765$2,363,818$2,988,633
38$3,132,195$2,554,799$2,401,777$3,204,079
39$3,409,151$2,637,457$2,439,709$3,438,809
40$3,713,017$2,722,824$2,477,571$3,694,712
41$4,046,496$2,810,993$2,515,321$3,973,862
42$4,412,563$2,902,057$2,552,909$4,278,546
43$4,814,500$2,996,113$2,590,287$4,611,279
44$5,255,917$3,093,261$2,627,400$4,974,831
45$5,740,795$3,193,605$2,664,192$5,372,251
46$6,273,516$3,297,252$2,700,603$5,806,898
47$6,858,911$3,404,314$2,736,569$6,282,468
48$7,502,299$3,514,904$2,772,023$6,803,034
49$8,209,542$3,629,143$2,806,894$7,373,078
50$8,987,097$3,747,152$2,841,107$7,997,539
51$9,842,078$3,869,060$2,874,581$8,681,855
52$10,782,323$3,994,997$2,907,233$9,432,016
53$11,816,469$4,125,101$2,938,974$10,254,617
54$12,954,030$4,259,511$2,969,710$11,156,925
55$14,205,488$4,398,375$2,999,343$12,146,944
56$15,582,395$4,541,842$3,027,768$13,233,490
57$17,097,477$4,690,070$3,054,876$14,426,274
58$18,764,756$4,843,220$3,080,550$15,735,993
59$20,599,682$5,001,459$3,104,670$17,174,433
60$22,619,280$5,164,961$3,127,107$18,754,575
61$24,842,308$5,333,905$3,147,726$20,490,723
62$27,289,434$5,508,477$3,166,386$22,398,631
63$29,983,433$5,688,869$3,182,936$24,495,660
64$32,949,400$5,875,281$3,197,222$26,800,933
65$36,214,987$6,067,918$3,209,077$29,335,520
66$39,810,663$6,266,993$3,218,328$32,122,635
67$43,770,003$6,472,728$3,224,795$35,187,856
68$48,130,004$6,685,352$3,228,285$38,559,360
69$52,931,431$6,905,101$3,228,600$42,268,197
70$58,219,208$7,132,222$3,225,529$46,348,576
71$64,042,833$7,366,967$3,218,851$50,838,189
72$70,456,855$7,609,601$3,208,335$55,778,567
73$77,521,379$7,860,396$3,193,738$61,215,471
74$85,302,639$8,119,635$3,174,808$67,199,322
75$93,873,620$8,387,610$3,151,277$73,785,679
76$103,314,751$8,664,624$3,122,866$81,035,757
77$113,714,657$8,950,992$3,089,283$89,017,012
78$125,170,999$9,247,038$3,050,221$97,803,770
79$137,791,399$9,553,100$3,005,361$107,477,932
80$151,694,447$9,869,527$2,954,366$118,129,745
81$167,010,828$10,196,682$2,896,885$129,858,651
82$183,884,552$10,534,939$2,832,550$142,774,229
83$202,474,312$10,884,687$2,760,977$156,997,224
84$222,954,984$11,246,329$2,681,762$172,660,690
85$245,519,276$11,620,283$2,594,484$189,911,242
86$270,379,547$12,006,981$2,498,704$208,910,439
87$297,769,810$12,406,872$2,393,960$229,836,310
88$327,947,944$12,820,422$2,279,771$252,885,035
89$361,198,124$13,248,113$2,155,633$278,272,790
90$397,833,507$13,690,445$2,021,021$306,237,791
91$438,199,184$14,147,936$1,875,384$337,042,541
92$482,675,439$14,621,123$1,718,149$370,976,309
93$531,681,341$15,110,565$1,548,713$408,357,852
94$585,678,695$15,616,839$1,366,452$449,538,434
95$645,176,402$16,140,546$1,170,709$494,905,129
96$710,735,269$16,682,306$960,801$544,884,484
97$782,973,292$17,242,764$736,014$599,946,537
98$862,571,499$17,822,591$495,601$660,609,258
99$950,280,373$18,422,479$238,785$727,443,434
100$1,046,926,940$19,043,149$0$801,078,058