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

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 $2,410,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$199,016$197,243$195,513$193,825$192,177$190,408
2 years$98,523$96,688$94,909$93,185$91,513$89,730
3 years$65,029$63,186$61,413$59,705$58,059$56,319
4 years$48,286$46,449$44,693$43,014$41,408$39,723
5 years$38,243$36,416$34,683$33,039$31,478$29,853
6 years$31,549$29,737$28,029$26,421$24,908$23,345
7 years$26,770$24,973$23,292$21,722$20,256$18,757
8 years$23,187$21,406$19,754$18,222$16,805$15,368
9 years$20,402$18,638$17,014$15,521$14,152$12,778
10 years$18,175$16,429$14,833$13,380$12,058$10,746
11 years$16,355$14,625$13,059$11,644$10,370$9,119
12 years$14,839$13,127$11,589$10,214$8,987$7,794
13 years$13,557$11,863$10,354$9,017$7,837$6,702
14 years$12,459$10,783$9,303$8,004$6,870$5,792
15 years$11,508$9,851$8,400$7,138$6,049$5,026
16 years$10,677$9,038$7,616$6,392$5,346$4,376
17 years$9,945$8,323$6,930$5,743$4,740$3,822
18 years$9,294$7,691$6,326$5,176$4,214$3,347
19 years$8,713$7,128$5,791$4,677$3,756$2,937
20 years$8,191$6,624$5,315$4,236$3,355$2,582
21 years$7,719$6,170$4,889$3,844$3,003$2,274
22 years$7,290$5,759$4,506$3,495$2,691$2,005
23 years$6,899$5,387$4,160$3,183$2,416$1,771
24 years$6,542$5,047$3,848$2,903$2,172$1,565
25 years$6,213$4,736$3,564$2,651$1,954$1,385
26 years$5,911$4,451$3,305$2,424$1,760$1,226
27 years$5,631$4,189$3,069$2,219$1,587$1,087
28 years$5,371$3,947$2,853$2,033$1,432$964
29 years$5,130$3,724$2,655$1,864$1,293$855
30 years$4,906$3,517$2,473$1,711$1,168$759
31 years$4,696$3,325$2,306$1,571$1,056$674
32 years$4,500$3,146$2,151$1,444$955$599
33 years$4,316$2,979$2,008$1,328$865$532
34 years$4,143$2,823$1,877$1,222$783$473
35 years$3,981$2,678$1,755$1,125$709$421
36 years$3,828$2,542$1,641$1,036$642$374
37 years$3,683$2,414$1,536$954$582$333
38 years$3,547$2,294$1,439$880$528$296
39 years$3,417$2,182$1,348$811$479$264
40 years$3,295$2,076$1,263$748$434$235
41 years$3,179$1,976$1,185$690$394$209
42 years$3,068$1,882$1,111$637$357$186
43 years$2,963$1,793$1,043$588$324$166
44 years$2,863$1,709$979$543$294$148
45 years$2,768$1,630$919$501$267$131
46 years$2,677$1,555$863$463$243$117
47 years$2,591$1,484$811$428$220$104
48 years$2,508$1,416$762$395$200$93
49 years$2,429$1,353$716$365$182$83
50 years$2,353$1,292$673$338$165$74

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 $6,110 every year, while hoping to spend $55,276 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: 75/17/8 Blend
34$2,410,000$2,410,000$2,410,000$2,410,000
35$2,662,122$2,534,392$2,497,037$2,858,106
36$2,874,846$2,599,764$2,521,875$3,053,331
37$3,107,414$2,666,487$2,545,692$3,259,579
38$3,361,794$2,734,568$2,568,396$3,484,009
39$3,640,148$2,804,014$2,589,889$3,728,403
40$3,944,862$2,874,829$2,610,069$3,994,724
41$4,278,560$2,947,017$2,628,828$4,285,133
42$4,644,131$3,020,579$2,646,052$4,602,009
43$5,044,759$3,095,514$2,661,621$4,947,974
44$5,483,949$3,171,819$2,675,410$5,325,913
45$5,965,562$3,249,489$2,687,287$5,739,007
46$6,493,851$3,328,515$2,697,112$6,190,757
47$7,073,499$3,408,887$2,704,740$6,685,021
48$7,709,665$3,490,592$2,710,018$7,226,047
49$8,408,032$3,573,612$2,712,785$7,818,516
50$9,174,860$3,657,928$2,712,872$8,467,585
51$10,017,044$3,743,515$2,710,102$9,178,935
52$10,942,181$3,830,346$2,704,289$9,958,823
53$11,958,640$3,918,389$2,695,239$10,814,144
54$13,075,638$4,007,607$2,682,746$11,752,495
55$14,303,332$4,097,959$2,666,598$12,782,245
56$15,652,912$4,189,399$2,646,568$13,912,615
57$17,136,704$4,281,874$2,622,423$15,153,766
58$18,768,289$4,375,327$2,593,916$16,516,890
59$20,562,630$4,469,695$2,560,788$18,014,324
60$22,536,214$4,564,905$2,522,770$19,659,657
61$24,707,204$4,660,881$2,479,578$21,467,866
62$27,095,611$4,757,537$2,430,917$23,455,450
63$29,723,487$4,854,780$2,376,476$25,640,593
64$32,615,126$4,952,507$2,315,932$28,043,329
65$35,797,298$5,050,609$2,248,944$30,685,736
66$39,299,496$5,148,963$2,175,158$33,592,140
67$43,154,222$5,247,439$2,094,203$36,789,350
68$47,397,284$5,345,895$2,005,690$40,306,905
69$52,068,141$5,444,178$1,909,214$44,177,355
70$57,210,269$5,542,120$1,804,351$48,436,571
71$62,871,577$5,639,545$1,690,657$53,124,081
72$69,104,852$5,736,257$1,567,669$58,283,441
73$75,968,264$5,832,050$1,434,902$63,962,651
74$83,525,907$5,926,701$1,291,851$70,214,606
75$91,848,409$6,019,969$1,137,988$77,097,592
76$101,013,597$6,111,597$972,761$84,675,842
77$111,107,228$6,201,310$795,593$93,020,139
78$122,223,802$6,288,811$605,882$102,208,485
79$134,467,452$6,373,784$403,001$112,326,836
80$147,952,923$6,455,891$186,293$123,469,919
81$162,806,662$6,534,770$0$135,742,117
82$179,168,001$6,610,034$0$149,262,303
83$197,190,482$6,681,270$0$164,170,624
84$217,043,296$6,748,038$0$180,590,921
85$238,912,889$6,809,868$0$198,677,205
86$263,004,712$6,866,260$0$218,599,194
87$289,545,166$6,916,680$0$240,543,913
88$318,783,737$6,960,562$0$264,717,461
89$350,995,349$6,997,299$0$291,346,954
90$386,482,958$7,026,251$0$320,682,673
91$425,580,416$7,046,733$0$353,000,421
92$468,655,614$7,058,018$0$388,604,134
93$516,113,961$7,059,336$0$427,828,744
94$568,402,207$7,049,865$0$471,043,343
95$626,012,659$7,028,736$0$518,654,668
96$689,487,831$6,995,025$0$571,110,942
97$759,425,560$6,947,751$0$628,906,101
98$836,484,651$6,885,874$0$692,584,465
99$921,391,096$6,808,293$0$762,745,868
100$1,014,944,927$6,713,838$0$840,051,328