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%13.2%
1 years$199,016$197,243$195,513$193,825$192,177$189,618
2 years$98,523$96,688$94,909$93,185$91,513$88,939
3 years$65,029$63,186$61,413$59,705$58,059$55,551
4 years$48,286$46,449$44,693$43,014$41,408$38,984
5 years$38,243$36,416$34,683$33,039$31,478$29,145
6 years$31,549$29,737$28,029$26,421$24,908$22,668
7 years$26,770$24,973$23,292$21,722$20,256$18,112
8 years$23,187$21,406$19,754$18,222$16,805$14,755
9 years$20,402$18,638$17,014$15,521$14,152$12,196
10 years$18,175$16,429$14,833$13,380$12,058$10,195
11 years$16,355$14,625$13,059$11,644$10,370$8,598
12 years$14,839$13,127$11,589$10,214$8,987$7,303
13 years$13,557$11,863$10,354$9,017$7,837$6,239
14 years$12,459$10,783$9,303$8,004$6,870$5,356
15 years$11,508$9,851$8,400$7,138$6,049$4,616
16 years$10,677$9,038$7,616$6,392$5,346$3,992
17 years$9,945$8,323$6,930$5,743$4,740$3,462
18 years$9,294$7,691$6,326$5,176$4,214$3,010
19 years$8,713$7,128$5,791$4,677$3,756$2,622
20 years$8,191$6,624$5,315$4,236$3,355$2,288
21 years$7,719$6,170$4,889$3,844$3,003$2,000
22 years$7,290$5,759$4,506$3,495$2,691$1,751
23 years$6,899$5,387$4,160$3,183$2,416$1,534
24 years$6,542$5,047$3,848$2,903$2,172$1,345
25 years$6,213$4,736$3,564$2,651$1,954$1,181
26 years$5,911$4,451$3,305$2,424$1,760$1,038
27 years$5,631$4,189$3,069$2,219$1,587$912
28 years$5,371$3,947$2,853$2,033$1,432$803
29 years$5,130$3,724$2,655$1,864$1,293$706
30 years$4,906$3,517$2,473$1,711$1,168$622
31 years$4,696$3,325$2,306$1,571$1,056$548
32 years$4,500$3,146$2,151$1,444$955$483
33 years$4,316$2,979$2,008$1,328$865$425
34 years$4,143$2,823$1,877$1,222$783$375
35 years$3,981$2,678$1,755$1,125$709$331
36 years$3,828$2,542$1,641$1,036$642$292
37 years$3,683$2,414$1,536$954$582$257
38 years$3,547$2,294$1,439$880$528$227
39 years$3,417$2,182$1,348$811$479$200
40 years$3,295$2,076$1,263$748$434$177
41 years$3,179$1,976$1,185$690$394$156
42 years$3,068$1,882$1,111$637$357$138
43 years$2,963$1,793$1,043$588$324$122
44 years$2,863$1,709$979$543$294$107
45 years$2,768$1,630$919$501$267$95
46 years$2,677$1,555$863$463$243$84
47 years$2,591$1,484$811$428$220$74
48 years$2,508$1,416$762$395$200$65
49 years$2,429$1,353$716$365$182$58
50 years$2,353$1,292$673$338$165$51

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 $4,257 every year, while hoping to spend $25,442 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: 33/40/27 Blend
34$2,410,000$2,410,000$2,410,000$2,410,000
35$2,660,211$2,532,481$2,495,126$2,726,020
36$2,904,483$2,629,503$2,551,643$2,873,293
37$3,172,817$2,730,425$2,609,200$3,029,337
38$3,467,642$2,835,414$2,667,806$3,197,015
39$3,791,632$2,944,640$2,727,468$3,377,373
40$4,147,733$3,058,281$2,788,192$3,571,560
41$4,539,191$3,176,526$2,849,986$3,780,836
42$4,969,581$3,299,570$2,912,854$4,006,586
43$5,442,845$3,427,615$2,976,801$4,250,329
44$5,963,322$3,560,875$3,041,831$4,513,734
45$6,535,795$3,699,572$3,107,946$4,798,634
46$7,165,533$3,843,937$3,175,149$5,107,043
47$7,858,341$3,994,214$3,243,440$5,441,175
48$8,620,617$4,150,655$3,312,820$5,803,461
49$9,459,407$4,313,525$3,383,287$6,196,577
50$10,382,478$4,483,099$3,454,838$6,623,459
51$11,398,386$4,659,666$3,527,471$7,087,341
52$12,516,558$4,843,527$3,601,178$7,591,776
53$13,747,383$5,034,996$3,675,954$8,140,672
54$15,102,308$5,234,403$3,751,790$8,738,327
55$16,593,946$5,442,090$3,828,677$9,389,469
56$18,236,193$5,658,417$3,906,602$10,099,299
57$20,044,363$5,883,758$3,985,552$10,873,541
58$22,035,332$6,118,506$4,065,512$11,718,491
59$24,227,692$6,363,069$4,146,463$12,641,078
60$26,641,933$6,617,876$4,228,385$13,648,926
61$29,300,631$6,883,373$4,311,257$14,750,428
62$32,228,665$7,160,028$4,395,054$15,954,819
63$35,453,449$7,448,329$4,479,748$17,272,268
64$39,005,190$7,748,787$4,565,310$18,713,965
65$42,917,177$8,061,935$4,651,705$20,292,230
66$47,226,091$8,388,332$4,738,899$22,020,627
67$51,972,352$8,728,560$4,826,852$23,914,089
68$57,200,501$9,083,228$4,915,521$25,989,059
69$62,959,621$9,452,975$5,004,860$28,263,639
70$69,303,799$9,838,467$5,094,818$30,757,765
71$76,292,634$10,240,400$5,185,343$33,493,389
72$83,991,807$10,659,503$5,276,376$36,494,685
73$92,473,690$11,096,538$5,367,853$39,788,276
74$101,818,039$11,552,302$5,459,709$43,403,479
75$112,112,741$12,027,626$5,551,872$47,372,587
76$123,454,644$12,523,383$5,644,263$51,731,163
77$135,950,473$13,040,485$5,736,801$56,518,377
78$149,717,836$13,579,883$5,829,398$61,777,376
79$164,886,332$14,142,574$5,921,960$67,555,681
80$181,598,780$14,729,602$6,014,387$73,905,639
81$200,012,559$15,342,056$6,106,573$80,884,912
82$220,301,101$15,981,078$6,198,404$88,557,016
83$242,655,523$16,647,860$6,289,760$96,991,921
84$267,286,433$17,343,652$6,380,514$106,266,705
85$294,425,917$18,069,759$6,470,529$116,466,278
86$324,329,731$18,827,547$6,559,662$127,684,182
87$357,279,714$19,618,447$6,647,761$140,023,468
88$393,586,447$20,443,954$6,734,664$153,597,666
89$433,592,191$21,305,633$6,820,201$168,531,850
90$477,674,107$22,205,123$6,904,191$184,963,817
91$526,247,828$23,144,135$6,986,443$203,045,382
92$579,771,374$24,124,465$7,066,756$222,943,805
93$638,749,478$25,147,989$7,144,917$244,843,365
94$703,738,354$26,216,669$7,220,701$268,947,096
95$775,350,944$27,332,563$7,293,871$295,478,698
96$854,262,702$28,497,821$7,364,178$324,684,640
97$941,217,978$29,714,694$7,431,358$356,836,484
98$1,037,037,036$30,985,539$7,495,134$392,233,438
99$1,142,623,806$32,312,823$7,555,213$431,205,179
100$1,258,974,410$33,699,126$7,611,288$474,114,955