Can I retire at age 35 with 2,410,000?

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 $2,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$199,016$197,243$195,513$193,825$192,177$188,143
2 years$98,523$96,688$94,909$93,185$91,513$87,468
3 years$65,029$63,186$61,413$59,705$58,059$54,129
4 years$48,286$46,449$44,693$43,014$41,408$37,624
5 years$38,243$36,416$34,683$33,039$31,478$27,849
6 years$31,549$29,737$28,029$26,421$24,908$21,439
7 years$26,770$24,973$23,292$21,722$20,256$16,948
8 years$23,187$21,406$19,754$18,222$16,805$13,656
9 years$20,402$18,638$17,014$15,521$14,152$11,161
10 years$18,175$16,429$14,833$13,380$12,058$9,221
11 years$16,355$14,625$13,059$11,644$10,370$7,684
12 years$14,839$13,127$11,589$10,214$8,987$6,447
13 years$13,557$11,863$10,354$9,017$7,837$5,440
14 years$12,459$10,783$9,303$8,004$6,870$4,610
15 years$11,508$9,851$8,400$7,138$6,049$3,922
16 years$10,677$9,038$7,616$6,392$5,346$3,347
17 years$9,945$8,323$6,930$5,743$4,740$2,863
18 years$9,294$7,691$6,326$5,176$4,214$2,455
19 years$8,713$7,128$5,791$4,677$3,756$2,109
20 years$8,191$6,624$5,315$4,236$3,355$1,815
21 years$7,719$6,170$4,889$3,844$3,003$1,564
22 years$7,290$5,759$4,506$3,495$2,691$1,349
23 years$6,899$5,387$4,160$3,183$2,416$1,165
24 years$6,542$5,047$3,848$2,903$2,172$1,006
25 years$6,213$4,736$3,564$2,651$1,954$870
26 years$5,911$4,451$3,305$2,424$1,760$753
27 years$5,631$4,189$3,069$2,219$1,587$652
28 years$5,371$3,947$2,853$2,033$1,432$565
29 years$5,130$3,724$2,655$1,864$1,293$489
30 years$4,906$3,517$2,473$1,711$1,168$424
31 years$4,696$3,325$2,306$1,571$1,056$368
32 years$4,500$3,146$2,151$1,444$955$319
33 years$4,316$2,979$2,008$1,328$865$277
34 years$4,143$2,823$1,877$1,222$783$240
35 years$3,981$2,678$1,755$1,125$709$208
36 years$3,828$2,542$1,641$1,036$642$181
37 years$3,683$2,414$1,536$954$582$157
38 years$3,547$2,294$1,439$880$528$136
39 years$3,417$2,182$1,348$811$479$118
40 years$3,295$2,076$1,263$748$434$103
41 years$3,179$1,976$1,185$690$394$89
42 years$3,068$1,882$1,111$637$357$78
43 years$2,963$1,793$1,043$588$324$67
44 years$2,863$1,709$979$543$294$58
45 years$2,768$1,630$919$501$267$51
46 years$2,677$1,555$863$463$243$44
47 years$2,591$1,484$811$428$220$38
48 years$2,508$1,416$762$395$200$33
49 years$2,429$1,353$716$365$182$29
50 years$2,353$1,292$673$338$165$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,410,000, adding $5,688 every year, while hoping to spend $22,969 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: 37/33/30 Blend
34$2,410,000$2,410,000$2,410,000$2,410,000
35$2,661,687$2,533,957$2,496,602$2,736,153
36$2,908,740$2,633,682$2,555,800$2,891,700
37$3,180,223$2,737,524$2,616,210$3,057,121
38$3,478,603$2,845,660$2,677,850$3,235,378
39$3,806,599$2,958,275$2,740,737$3,427,650
40$4,167,205$3,075,564$2,804,885$3,635,228
41$4,563,722$3,197,729$2,870,310$3,859,535
42$4,999,785$3,324,980$2,937,028$4,102,129
43$5,479,398$3,457,540$3,005,054$4,364,726
44$6,006,976$3,595,638$3,074,403$4,649,208
45$6,587,380$3,739,517$3,145,088$4,957,648
46$7,225,968$3,889,428$3,217,123$5,292,320
47$7,928,641$4,045,635$3,290,521$5,655,727
48$8,701,905$4,208,414$3,365,296$6,050,619
49$9,552,925$4,378,051$3,441,459$6,480,023
50$10,489,596$4,554,849$3,519,021$6,947,265
51$11,520,620$4,739,121$3,597,993$7,456,006
52$12,655,582$4,931,197$3,678,385$8,010,270
53$13,905,046$5,131,421$3,760,205$8,614,487
54$15,280,651$5,340,150$3,843,462$9,273,530
55$16,795,222$5,557,763$3,928,163$9,992,759
56$18,462,892$5,784,650$4,014,314$10,778,077
57$20,299,233$6,021,224$4,101,919$11,635,974
58$22,321,404$6,267,913$4,190,983$12,573,599
59$24,548,313$6,525,167$4,281,507$13,598,817
60$27,000,796$6,793,455$4,373,492$14,720,287
61$29,701,812$7,073,269$4,466,939$15,947,539
62$32,676,660$7,365,122$4,561,845$17,291,067
63$35,953,218$7,669,552$4,658,205$18,762,422
64$39,562,206$7,987,121$4,756,015$20,374,323
65$43,537,477$8,318,415$4,855,268$22,140,775
66$47,916,333$8,664,051$4,955,952$24,077,197
67$52,739,881$9,024,671$5,058,058$26,200,569
68$58,053,417$9,400,948$5,161,571$28,529,588
69$63,906,856$9,793,586$5,266,475$31,084,848
70$70,355,205$10,203,320$5,372,751$33,889,023
71$77,459,075$10,630,922$5,480,377$36,967,089
72$85,285,260$11,077,197$5,589,330$40,346,551
73$93,907,365$11,542,988$5,699,581$44,057,705
74$103,406,500$12,029,178$5,811,100$48,133,918
75$113,872,044$12,536,690$5,923,854$52,611,944
76$125,402,494$13,066,489$6,037,804$57,532,265
77$138,106,388$13,619,586$6,152,910$62,939,476
78$152,103,334$14,197,040$6,269,127$68,882,696
79$167,525,136$14,799,957$6,386,405$75,416,036
80$184,517,041$15,429,496$6,504,690$82,599,104
81$203,239,106$16,086,869$6,623,925$90,497,563
82$223,867,715$16,773,344$6,744,046$99,183,752
83$246,597,235$17,490,252$6,864,984$108,737,360
84$271,641,859$18,238,980$6,986,667$119,246,182
85$299,237,623$19,020,985$7,109,016$130,806,938
86$329,644,637$19,837,790$7,231,944$143,526,186
87$363,149,537$20,690,988$7,355,361$157,521,323
88$400,068,192$21,582,249$7,479,168$172,921,689
89$440,748,689$22,513,320$7,603,261$189,869,786
90$485,574,613$23,486,030$7,727,528$208,522,615
91$534,968,672$24,502,294$7,851,849$229,053,157
92$589,396,687$25,564,117$7,976,096$251,652,001
93$649,371,987$26,673,597$8,100,133$276,529,136
94$715,460,258$27,832,932$8,223,817$303,915,931
95$788,284,882$29,044,423$8,346,992$334,067,313
96$868,532,819$30,310,479$8,469,495$367,264,166
97$956,961,096$31,633,622$8,591,152$403,815,981
98$1,054,403,952$33,016,493$8,711,780$444,063,767
99$1,161,780,713$34,461,860$8,831,183$488,383,268
100$1,280,104,472$35,972,617$8,949,154$537,188,501