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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$182,500$180,874$179,288$177,740$176,229$173,452
2 years$90,346$88,664$87,033$85,452$83,918$81,128
3 years$59,633$57,943$56,316$54,750$53,241$50,524
4 years$44,279$42,594$40,984$39,444$37,972$35,349
5 years$35,069$33,394$31,805$30,297$28,866$26,345
6 years$28,931$27,269$25,703$24,229$22,841$20,424
7 years$24,548$22,900$21,359$19,920$18,575$16,264
8 years$21,263$19,630$18,115$16,710$15,410$13,204
9 years$18,709$17,091$15,602$14,233$12,978$10,875
10 years$16,667$15,065$13,602$12,269$11,058$9,058
11 years$14,997$13,412$11,975$10,678$9,510$7,610
12 years$13,607$12,038$10,628$9,366$8,241$6,439
13 years$12,432$10,878$9,495$8,269$7,186$5,479
14 years$11,425$9,888$8,531$7,340$6,300$4,685
15 years$10,553$9,033$7,703$6,546$5,547$4,021
16 years$9,791$8,288$6,984$5,861$4,902$3,463
17 years$9,119$7,633$6,355$5,266$4,347$2,991
18 years$8,523$7,053$5,801$4,746$3,865$2,589
19 years$7,990$6,537$5,311$4,288$3,445$2,245
20 years$7,511$6,074$4,874$3,884$3,077$1,951
21 years$7,078$5,658$4,483$3,525$2,753$1,698
22 years$6,685$5,281$4,132$3,205$2,468$1,479
23 years$6,327$4,940$3,815$2,919$2,216$1,290
24 years$5,999$4,628$3,528$2,662$1,991$1,126
25 years$5,698$4,343$3,268$2,431$1,792$984
26 years$5,420$4,082$3,031$2,223$1,614$860
27 years$5,163$3,842$2,814$2,035$1,455$753
28 years$4,926$3,620$2,616$1,864$1,313$659
29 years$4,705$3,415$2,435$1,710$1,186$577
30 years$4,499$3,225$2,268$1,569$1,071$506
31 years$4,306$3,049$2,114$1,441$969$443
32 years$4,126$2,885$1,973$1,324$876$389
33 years$3,958$2,732$1,842$1,218$793$341
34 years$3,799$2,589$1,721$1,120$718$299
35 years$3,650$2,456$1,609$1,031$650$262
36 years$3,510$2,331$1,505$950$589$230
37 years$3,377$2,214$1,409$875$534$202
38 years$3,252$2,104$1,319$807$484$177
39 years$3,134$2,001$1,236$744$439$156
40 years$3,021$1,903$1,158$686$398$137
41 years$2,915$1,812$1,086$633$361$120
42 years$2,814$1,726$1,019$584$328$105
43 years$2,717$1,644$956$539$297$93
44 years$2,626$1,567$898$498$270$81
45 years$2,539$1,494$843$460$245$71
46 years$2,455$1,426$792$425$223$63
47 years$2,376$1,361$744$392$202$55
48 years$2,300$1,299$699$363$184$48
49 years$2,227$1,240$657$335$167$43
50 years$2,158$1,185$618$310$151$37

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 $2,849 every year, while hoping to spend $24,758 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: 61/33/6 Blend
34$2,210,000$2,210,000$2,210,000$2,210,000
35$2,438,359$2,321,229$2,286,974$2,584,232
36$2,660,729$2,408,627$2,337,245$2,769,440
37$2,904,951$2,499,477$2,388,371$2,968,298
38$3,173,228$2,593,924$2,440,353$3,184,626
39$3,467,987$2,692,115$2,493,194$3,420,107
40$3,791,900$2,794,207$2,546,894$3,676,592
41$4,147,912$2,900,362$2,601,454$3,956,117
42$4,539,270$3,010,750$2,656,873$4,260,923
43$4,969,546$3,125,547$2,713,149$4,593,472
44$5,442,679$3,244,939$2,770,279$4,956,477
45$5,963,008$3,369,117$2,828,259$5,352,921
46$6,535,314$3,498,283$2,887,085$5,786,086
47$7,164,864$3,632,646$2,946,750$6,259,585
48$7,857,461$3,772,426$3,007,247$6,777,395
49$8,619,498$3,917,852$3,068,566$7,343,893
50$9,458,022$4,069,161$3,130,698$7,963,897
51$10,380,794$4,226,604$3,193,630$8,642,710
52$11,396,367$4,390,440$3,257,349$9,386,172
53$12,514,166$4,560,941$3,321,840$10,200,710
54$13,744,575$4,738,391$3,387,086$11,093,402
55$15,099,035$4,923,086$3,453,067$12,072,041
56$16,590,155$5,115,335$3,519,762$13,145,208
57$18,231,825$5,315,461$3,587,149$14,322,352
58$20,039,355$5,523,802$3,655,202$15,613,879
59$22,029,610$5,740,710$3,723,892$17,031,247
60$24,221,179$5,966,553$3,793,191$18,587,077
61$26,634,541$6,201,715$3,863,064$20,295,266
62$29,292,264$6,446,599$3,933,477$22,171,123
63$32,219,216$6,701,624$4,004,389$24,231,507
64$35,442,800$6,967,227$4,075,761$26,494,989
65$38,993,212$7,243,868$4,147,545$28,982,022
66$42,903,727$7,532,025$4,219,695$31,715,138
67$47,211,010$7,832,197$4,292,158$34,719,153
68$51,955,466$8,144,907$4,364,878$38,021,406
69$57,181,617$8,470,702$4,437,796$41,652,011
70$62,938,527$8,810,151$4,510,847$45,644,144
71$69,280,260$9,163,852$4,583,963$50,034,350
72$76,266,393$9,532,427$4,657,072$54,862,888
73$83,962,577$9,916,528$4,730,096$60,174,113
74$92,441,158$10,316,836$4,802,952$66,016,887
75$101,781,857$10,734,062$4,875,552$72,445,042
76$112,072,526$11,168,951$4,947,803$79,517,885
77$123,409,975$11,622,280$5,019,606$87,300,757
78$135,900,884$12,094,864$5,090,854$95,865,646
79$149,662,813$12,587,551$5,161,436$105,291,866
80$164,825,310$13,101,231$5,231,235$115,666,802
81$181,531,134$13,636,833$5,300,123$127,086,733
82$199,937,601$14,195,330$5,367,969$139,657,740
83$220,218,073$14,777,737$5,434,632$153,496,702
84$242,563,588$15,385,118$5,499,964$168,732,399
85$267,184,668$16,018,583$5,563,807$185,506,723
86$294,313,306$16,679,296$5,625,996$203,976,016
87$324,205,152$17,368,470$5,686,357$224,312,542
88$357,141,932$18,087,379$5,744,704$246,706,111
89$393,434,100$18,837,352$5,800,843$271,365,867
90$433,423,776$19,619,780$5,854,569$298,522,257
91$477,487,970$20,436,118$5,905,665$328,429,205
92$526,042,143$21,287,888$5,953,905$361,366,507
93$579,544,130$22,176,683$5,999,049$397,642,465
94$638,498,458$23,104,167$6,040,844$437,596,793
95$703,461,114$24,072,084$6,079,025$481,603,824
96$775,044,788$25,082,257$6,113,314$530,076,036
97$853,924,663$26,136,594$6,143,416$583,467,941
98$940,844,782$27,237,091$6,169,024$642,280,372
99$1,036,625,077$28,385,836$6,189,814$707,065,209
100$1,142,169,108$29,585,014$6,205,445$778,430,576