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%12.2%
1 years$182,500$180,874$179,288$177,740$176,229$174,606
2 years$90,346$88,664$87,033$85,452$83,918$82,284
3 years$59,633$57,943$56,316$54,750$53,241$51,645
4 years$44,279$42,594$40,984$39,444$37,972$36,427
5 years$35,069$33,394$31,805$30,297$28,866$27,376
6 years$28,931$27,269$25,703$24,229$22,841$21,408
7 years$24,548$22,900$21,359$19,920$18,575$17,200
8 years$21,263$19,630$18,115$16,710$15,410$14,093
9 years$18,709$17,091$15,602$14,233$12,978$11,717
10 years$16,667$15,065$13,602$12,269$11,058$9,854
11 years$14,997$13,412$11,975$10,678$9,510$8,362
12 years$13,607$12,038$10,628$9,366$8,241$7,148
13 years$12,432$10,878$9,495$8,269$7,186$6,146
14 years$11,425$9,888$8,531$7,340$6,300$5,311
15 years$10,553$9,033$7,703$6,546$5,547$4,609
16 years$9,791$8,288$6,984$5,861$4,902$4,013
17 years$9,119$7,633$6,355$5,266$4,347$3,505
18 years$8,523$7,053$5,801$4,746$3,865$3,069
19 years$7,990$6,537$5,311$4,288$3,445$2,693
20 years$7,511$6,074$4,874$3,884$3,077$2,368
21 years$7,078$5,658$4,483$3,525$2,753$2,085
22 years$6,685$5,281$4,132$3,205$2,468$1,839
23 years$6,327$4,940$3,815$2,919$2,216$1,624
24 years$5,999$4,628$3,528$2,662$1,991$1,435
25 years$5,698$4,343$3,268$2,431$1,792$1,270
26 years$5,420$4,082$3,031$2,223$1,614$1,124
27 years$5,163$3,842$2,814$2,035$1,455$996
28 years$4,926$3,620$2,616$1,864$1,313$884
29 years$4,705$3,415$2,435$1,710$1,186$784
30 years$4,499$3,225$2,268$1,569$1,071$696
31 years$4,306$3,049$2,114$1,441$969$618
32 years$4,126$2,885$1,973$1,324$876$549
33 years$3,958$2,732$1,842$1,218$793$488
34 years$3,799$2,589$1,721$1,120$718$434
35 years$3,650$2,456$1,609$1,031$650$386
36 years$3,510$2,331$1,505$950$589$343
37 years$3,377$2,214$1,409$875$534$305
38 years$3,252$2,104$1,319$807$484$272
39 years$3,134$2,001$1,236$744$439$242
40 years$3,021$1,903$1,158$686$398$215
41 years$2,915$1,812$1,086$633$361$192
42 years$2,814$1,726$1,019$584$328$171
43 years$2,717$1,644$956$539$297$152
44 years$2,626$1,567$898$498$270$135
45 years$2,539$1,494$843$460$245$121
46 years$2,455$1,426$792$425$223$107
47 years$2,376$1,361$744$392$202$96
48 years$2,300$1,299$699$363$184$85
49 years$2,227$1,240$657$335$167$76
50 years$2,158$1,185$618$310$151$68

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 $6,325 every year, while hoping to spend $35,211 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: 45/46/9 Blend
34$2,210,000$2,210,000$2,210,000$2,210,000
35$2,441,944$2,324,814$2,290,559$2,545,366
36$2,653,558$2,401,266$2,329,829$2,693,992
37$2,885,577$2,480,284$2,369,234$2,850,929
38$3,140,044$2,561,956$2,408,741$3,020,291
39$3,419,211$2,646,374$2,448,317$3,203,237
40$3,725,558$2,733,634$2,487,923$3,401,037
41$4,061,817$2,823,834$2,527,520$3,615,091
42$4,430,996$2,917,075$2,567,065$3,846,936
43$4,836,409$3,013,464$2,606,514$4,098,263
44$5,281,709$3,113,109$2,645,818$4,370,931
45$5,770,916$3,216,125$2,684,926$4,666,983
46$6,308,463$3,322,628$2,723,784$4,988,671
47$6,899,230$3,432,741$2,762,335$5,338,467
48$7,548,595$3,546,589$2,800,517$5,719,093
49$8,262,484$3,664,304$2,838,266$6,133,546
50$9,047,423$3,786,020$2,875,514$6,585,121
51$9,910,604$3,911,879$2,912,187$7,077,446
52$10,859,950$4,042,026$2,948,210$7,614,513
53$11,904,191$4,176,611$2,983,501$8,200,716
54$13,052,945$4,315,792$3,017,976$8,840,893
55$14,316,810$4,459,730$3,051,542$9,540,369
56$15,707,462$4,608,594$3,084,106$10,305,007
57$17,237,766$4,762,558$3,115,566$11,141,262
58$18,921,897$4,921,803$3,145,817$12,056,240
59$20,775,475$5,086,515$3,174,746$13,057,767
60$22,815,710$5,256,891$3,202,236$14,154,462
61$25,061,564$5,433,130$3,228,163$15,355,813
62$27,533,933$5,615,443$3,252,396$16,672,271
63$30,255,840$5,804,046$3,274,798$18,115,345
64$33,252,656$5,999,164$3,295,223$19,697,713
65$36,552,334$6,201,030$3,313,520$21,433,335
66$40,185,678$6,409,887$3,329,530$23,337,589
67$44,186,632$6,625,986$3,343,083$25,427,413
68$48,592,596$6,849,587$3,354,004$27,721,463
69$53,444,785$7,080,961$3,362,107$30,240,292
70$58,788,612$7,320,388$3,367,198$33,006,537
71$64,674,123$7,568,159$3,369,071$36,045,138
72$71,156,462$7,824,577$3,367,513$39,383,566
73$78,296,395$8,089,955$3,362,299$43,052,087
74$86,160,883$8,364,619$3,353,192$47,084,041
75$94,823,714$8,648,906$3,339,945$51,516,161
76$104,366,198$8,943,168$3,322,298$56,388,913
77$114,877,936$9,247,768$3,299,980$61,746,881
78$126,457,661$9,563,085$3,272,706$67,639,184
79$139,214,177$9,889,511$3,240,176$74,119,938
80$153,267,380$10,227,453$3,202,078$81,248,768
81$168,749,389$10,577,335$3,158,085$89,091,367
82$185,805,800$10,939,597$3,107,853$97,720,115
83$204,597,049$11,314,695$3,051,024$107,214,760
84$225,299,935$11,703,103$2,987,221$117,663,172
85$248,109,287$12,105,313$2,916,051$129,162,166
86$273,239,799$12,521,838$2,837,103$141,818,419
87$300,928,059$12,953,208$2,749,946$155,749,471
88$331,434,782$13,399,976$2,654,131$171,084,836
89$365,047,270$13,862,716$2,549,185$187,967,221
90$402,082,126$14,342,024$2,434,617$206,553,871
91$442,888,239$14,838,518$2,309,912$227,018,051
92$487,850,077$15,352,844$2,174,532$249,550,681
93$537,391,321$15,885,669$2,027,915$274,362,135
94$591,978,859$16,437,690$1,869,473$301,684,224
95$652,127,194$17,009,629$1,698,593$331,772,382
96$718,403,305$17,602,237$1,514,632$364,908,077
97$791,431,991$18,216,297$1,316,922$401,401,463
98$871,901,778$18,852,618$1,104,762$441,594,306
99$960,571,410$19,512,047$877,422$485,863,208
100$1,058,277,017$20,195,461$634,139$534,623,159