Can I retire at age 35 with 2,010,000?

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 $2,010,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$165,984$164,505$163,063$161,655$160,280$157,044
2 years$82,170$80,640$79,157$77,719$76,324$73,078
3 years$54,236$52,699$51,220$49,795$48,423$45,268
4 years$40,272$38,739$37,275$35,875$34,536$31,496
5 years$31,895$30,372$28,927$27,555$26,253$23,338
6 years$26,313$24,801$23,377$22,036$20,773$17,986
7 years$22,327$20,828$19,427$18,117$16,894$14,234
8 years$19,339$17,853$16,475$15,198$14,016$11,483
9 years$17,016$15,545$14,190$12,945$11,803$9,396
10 years$15,159$13,702$12,371$11,159$10,057$7,773
11 years$13,640$12,198$10,891$9,712$8,649$6,485
12 years$12,376$10,948$9,666$8,518$7,495$5,448
13 years$11,307$9,894$8,636$7,520$6,536$4,603
14 years$10,391$8,993$7,759$6,676$5,729$3,906
15 years$9,598$8,216$7,006$5,954$5,045$3,328
16 years$8,905$7,538$6,352$5,331$4,458$2,844
17 years$8,294$6,942$5,780$4,790$3,953$2,437
18 years$7,752$6,415$5,276$4,317$3,515$2,092
19 years$7,267$5,945$4,830$3,900$3,133$1,800
20 years$6,831$5,524$4,433$3,533$2,798$1,551
21 years$6,438$5,146$4,077$3,206$2,504$1,339
22 years$6,080$4,803$3,758$2,915$2,245$1,156
23 years$5,754$4,492$3,470$2,655$2,015$1,000
24 years$5,456$4,209$3,209$2,421$1,811$866
25 years$5,182$3,950$2,972$2,211$1,630$750
26 years$4,930$3,712$2,756$2,022$1,468$650
27 years$4,696$3,494$2,560$1,851$1,324$564
28 years$4,480$3,292$2,380$1,696$1,194$489
29 years$4,279$3,106$2,214$1,555$1,078$424
30 years$4,091$2,933$2,063$1,427$974$368
31 years$3,917$2,773$1,923$1,311$881$320
32 years$3,753$2,624$1,794$1,204$797$278
33 years$3,600$2,485$1,675$1,108$721$242
34 years$3,456$2,355$1,565$1,019$653$210
35 years$3,320$2,234$1,463$938$591$183
36 years$3,192$2,120$1,369$864$536$159
37 years$3,072$2,013$1,281$796$486$138
38 years$2,958$1,914$1,200$734$440$120
39 years$2,850$1,820$1,124$677$399$104
40 years$2,748$1,731$1,054$624$362$91
41 years$2,651$1,648$988$576$329$79
42 years$2,559$1,569$927$531$298$69
43 years$2,471$1,495$870$490$271$60
44 years$2,388$1,425$816$453$246$52
45 years$2,309$1,359$766$418$223$45
46 years$2,233$1,297$720$386$202$39
47 years$2,161$1,237$676$357$184$34
48 years$2,092$1,181$636$330$167$30
49 years$2,026$1,128$597$305$152$26
50 years$1,962$1,078$562$282$138$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,010,000, adding $6,284 every year, while hoping to spend $36,174 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: 56/25/19 Blend
34$2,010,000$2,010,000$2,010,000$2,010,000
35$2,221,502$2,114,972$2,083,817$2,334,282
36$2,409,606$2,180,117$2,115,136$2,477,005
37$2,615,685$2,247,241$2,146,292$2,627,994
38$2,841,533$2,316,404$2,177,241$2,791,679
39$3,089,127$2,387,666$2,207,936$2,969,288
40$3,360,646$2,461,089$2,238,330$3,162,172
41$3,658,487$2,536,738$2,268,369$3,371,817
42$3,985,292$2,614,677$2,297,999$3,599,860
43$4,343,970$2,694,975$2,327,160$3,848,103
44$4,737,728$2,777,702$2,355,793$4,118,530
45$5,170,095$2,862,928$2,383,831$4,413,326
46$5,644,961$2,950,727$2,411,205$4,734,897
47$6,166,609$3,041,175$2,437,843$5,085,893
48$6,739,761$3,134,350$2,463,668$5,469,232
49$7,369,615$3,230,332$2,488,599$5,888,127
50$8,061,899$3,329,202$2,512,551$6,346,120
51$8,822,925$3,431,045$2,535,434$6,847,107
52$9,659,645$3,535,948$2,557,153$7,395,386
53$10,579,720$3,644,000$2,577,608$7,995,686
54$11,591,587$3,755,292$2,596,694$8,653,220
55$12,704,547$3,869,919$2,614,300$9,373,728
56$13,928,842$3,987,977$2,630,311$10,163,535
57$15,275,762$4,109,565$2,644,604$11,029,610
58$16,757,741$4,234,786$2,657,051$11,979,629
59$18,388,484$4,363,744$2,667,515$13,022,049
60$20,183,089$4,496,546$2,675,856$14,166,188
61$22,158,191$4,633,304$2,681,924$15,422,312
62$24,332,121$4,774,131$2,685,563$16,801,734
63$26,725,076$4,919,142$2,686,609$18,316,914
64$29,359,312$5,068,458$2,684,888$19,981,586
65$32,259,351$5,222,201$2,680,221$21,810,880
66$35,452,213$5,380,497$2,672,416$23,821,465
67$38,967,673$5,543,476$2,661,277$26,031,713
68$42,838,539$5,711,270$2,646,593$28,461,862
69$47,100,963$5,884,015$2,628,146$31,134,217
70$51,794,779$6,061,850$2,605,708$34,073,352
71$56,963,885$6,244,919$2,579,038$37,306,347
72$62,656,651$6,433,369$2,547,884$40,863,041
73$68,926,375$6,627,350$2,511,984$44,776,316
74$75,831,791$6,827,016$2,471,062$49,082,403
75$83,437,621$7,032,527$2,424,829$53,821,227
76$91,815,180$7,244,043$2,372,983$59,036,784
77$101,043,059$7,461,732$2,315,209$64,777,554
78$111,207,858$7,685,764$2,251,175$71,096,961
79$122,405,006$7,916,312$2,180,536$78,053,873
80$134,739,663$8,153,558$2,102,930$85,713,163
81$148,327,709$8,397,682$2,017,978$94,146,317
82$163,296,840$8,648,874$1,925,286$103,432,112
83$179,787,773$8,907,324$1,824,438$113,657,355
84$197,955,574$9,173,231$1,715,005$124,917,707
85$217,971,117$9,446,794$1,596,532$137,318,584
86$240,022,705$9,728,220$1,468,550$150,976,152
87$264,317,838$10,017,720$1,330,563$166,018,424
88$291,085,178$10,315,510$1,182,058$182,586,465
89$320,576,706$10,621,809$1,022,496$200,835,732
90$353,070,095$10,936,843$851,315$220,937,531
91$388,871,339$11,260,842$667,928$243,080,643
92$428,317,635$11,594,043$471,723$267,473,100
93$471,780,567$11,936,685$262,060$294,344,154
94$519,669,617$12,289,014$38,271$323,946,436
95$572,436,024$12,651,282$0$356,558,346
96$630,577,047$13,023,743$0$392,527,334
97$694,640,660$13,406,661$0$432,161,751
98$765,230,722$13,800,302$0$475,826,552
99$843,012,676$14,204,938$0$523,932,467
100$928,719,835$14,620,845$0$576,932,109