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%12.8%
1 years$199,016$197,243$195,513$193,825$192,177$189,933
2 years$98,523$96,688$94,909$93,185$91,513$89,254
3 years$65,029$63,186$61,413$59,705$58,059$55,856
4 years$48,286$46,449$44,693$43,014$41,408$39,278
5 years$38,243$36,416$34,683$33,039$31,478$29,426
6 years$31,549$29,737$28,029$26,421$24,908$22,937
7 years$26,770$24,973$23,292$21,722$20,256$18,367
8 years$23,187$21,406$19,754$18,222$16,805$14,997
9 years$20,402$18,638$17,014$15,521$14,152$12,426
10 years$18,175$16,429$14,833$13,380$12,058$10,412
11 years$16,355$14,625$13,059$11,644$10,370$8,803
12 years$14,839$13,127$11,589$10,214$8,987$7,496
13 years$13,557$11,863$10,354$9,017$7,837$6,421
14 years$12,459$10,783$9,303$8,004$6,870$5,526
15 years$11,508$9,851$8,400$7,138$6,049$4,776
16 years$10,677$9,038$7,616$6,392$5,346$4,142
17 years$9,945$8,323$6,930$5,743$4,740$3,602
18 years$9,294$7,691$6,326$5,176$4,214$3,141
19 years$8,713$7,128$5,791$4,677$3,756$2,744
20 years$8,191$6,624$5,315$4,236$3,355$2,402
21 years$7,719$6,170$4,889$3,844$3,003$2,106
22 years$7,290$5,759$4,506$3,495$2,691$1,849
23 years$6,899$5,387$4,160$3,183$2,416$1,625
24 years$6,542$5,047$3,848$2,903$2,172$1,430
25 years$6,213$4,736$3,564$2,651$1,954$1,259
26 years$5,911$4,451$3,305$2,424$1,760$1,110
27 years$5,631$4,189$3,069$2,219$1,587$979
28 years$5,371$3,947$2,853$2,033$1,432$864
29 years$5,130$3,724$2,655$1,864$1,293$763
30 years$4,906$3,517$2,473$1,711$1,168$674
31 years$4,696$3,325$2,306$1,571$1,056$595
32 years$4,500$3,146$2,151$1,444$955$526
33 years$4,316$2,979$2,008$1,328$865$465
34 years$4,143$2,823$1,877$1,222$783$412
35 years$3,981$2,678$1,755$1,125$709$364
36 years$3,828$2,542$1,641$1,036$642$322
37 years$3,683$2,414$1,536$954$582$285
38 years$3,547$2,294$1,439$880$528$253
39 years$3,417$2,182$1,348$811$479$224
40 years$3,295$2,076$1,263$748$434$198
41 years$3,179$1,976$1,185$690$394$175
42 years$3,068$1,882$1,111$637$357$155
43 years$2,963$1,793$1,043$588$324$138
44 years$2,863$1,709$979$543$294$122
45 years$2,768$1,630$919$501$267$108
46 years$2,677$1,555$863$463$243$96
47 years$2,591$1,484$811$428$220$85
48 years$2,508$1,416$762$395$200$75
49 years$2,429$1,353$716$365$182$67
50 years$2,353$1,292$673$338$165$59

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 $3,856 every year, while hoping to spend $49,854 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: 27/46/27 Blend
34$2,410,000$2,410,000$2,410,000$2,410,000
35$2,659,797$2,532,067$2,494,712$2,709,122
36$2,878,053$2,603,095$2,525,241$2,820,225
37$3,116,899$2,675,931$2,555,121$2,934,875
38$3,378,384$2,750,613$2,584,279$3,056,952
39$3,664,762$2,827,176$2,612,636$3,187,124
40$3,978,518$2,905,658$2,640,109$3,326,124
41$4,322,385$2,986,093$2,666,611$3,474,758
42$4,699,375$3,068,519$2,692,049$3,633,915
43$5,112,805$3,152,970$2,716,327$3,804,573
44$5,566,330$3,239,484$2,739,342$3,987,806
45$6,063,972$3,328,096$2,760,987$4,184,799
46$6,610,165$3,418,840$2,781,148$4,396,858
47$7,209,792$3,511,753$2,799,706$4,625,418
48$7,868,230$3,606,868$2,816,536$4,872,062
49$8,591,404$3,704,219$2,831,505$5,138,531
50$9,385,842$3,803,841$2,844,474$5,426,746
51$10,258,732$3,905,764$2,855,299$5,738,821
52$11,217,997$4,010,020$2,863,826$6,077,086
53$12,272,363$4,116,641$2,869,894$6,444,106
54$13,431,443$4,225,656$2,873,334$6,842,710
55$14,705,829$4,337,092$2,873,970$7,276,013
56$16,107,190$4,450,976$2,871,615$7,747,449
57$17,648,384$4,567,334$2,866,074$8,260,800
58$19,343,574$4,686,188$2,857,142$8,820,236
59$21,208,368$4,807,561$2,844,606$9,430,351
60$23,259,961$4,931,470$2,828,240$10,096,208
61$25,517,299$5,057,935$2,807,808$10,823,387
62$28,001,257$5,186,967$2,783,063$11,618,037
63$30,734,837$5,318,580$2,753,747$12,486,936
64$33,743,382$5,452,782$2,719,589$13,437,553
65$37,054,816$5,589,578$2,680,305$14,478,120
66$40,699,909$5,728,969$2,635,597$15,617,710
67$44,712,565$5,870,954$2,585,155$16,866,324
68$49,130,142$6,015,526$2,528,653$18,234,984
69$53,993,804$6,162,674$2,465,750$19,735,836
70$59,348,910$6,312,383$2,396,091$21,382,272
71$65,245,440$6,464,631$2,319,301$23,189,047
72$71,738,469$6,619,392$2,234,992$25,172,428
73$78,888,684$6,776,634$2,142,755$27,350,341
74$86,762,957$6,936,316$2,042,164$29,742,547
75$95,434,976$7,098,392$1,932,774$32,370,824
76$104,985,940$7,262,810$1,814,118$35,259,177
77$115,505,325$7,429,507$1,685,711$38,434,063
78$127,091,728$7,598,413$1,547,042$41,924,643
79$139,853,797$7,769,448$1,397,581$45,763,057
80$153,911,257$7,942,524$1,236,773$49,984,732
81$169,396,038$8,117,540$1,064,037$54,628,711
82$186,453,520$8,294,385$878,768$59,738,030
83$205,243,906$8,472,937$680,334$65,360,120
84$225,943,734$8,653,060$468,074$71,547,258
85$248,747,540$8,834,605$241,300$78,357,062
86$273,869,697$9,017,409$0$85,853,039
87$301,546,436$9,201,292$0$94,105,385
88$332,038,076$9,386,059$0$103,265,238
89$365,631,482$9,571,498$0$113,348,258
90$402,642,769$9,757,377$0$124,448,389
91$443,420,288$9,943,446$0$136,669,157
92$488,347,916$10,129,433$0$150,124,646
93$537,848,672$10,315,044$0$164,940,579
94$592,388,717$10,499,962$0$181,255,502
95$652,481,751$10,683,845$0$199,222,094
96$718,693,860$10,866,323$0$219,008,607
97$791,648,861$11,047,001$0$240,800,460
98$872,034,192$11,225,451$0$264,801,984
99$960,607,397$11,401,215$0$291,238,355
100$1,058,203,278$11,573,801$0$320,357,720