Can I retire at age 35 with 2,110,000?

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 $2,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$174,242$172,690$171,176$169,698$168,254$164,521
2 years$86,258$84,652$83,095$81,585$80,121$76,379
3 years$56,934$55,321$53,768$52,273$50,832$47,199
4 years$42,275$40,667$39,129$37,659$36,254$32,757
5 years$33,482$31,883$30,366$28,926$27,560$24,209
6 years$27,622$26,035$24,540$23,132$21,807$18,606
7 years$23,438$21,864$20,393$19,018$17,735$14,684
8 years$20,301$18,742$17,295$15,954$14,713$11,811
9 years$17,862$16,318$14,896$13,589$12,390$9,635
10 years$15,913$14,383$12,987$11,714$10,557$7,946
11 years$14,319$12,805$11,433$10,195$9,080$6,609
12 years$12,991$11,493$10,147$8,942$7,868$5,534
13 years$11,869$10,386$9,065$7,895$6,861$4,660
14 years$10,908$9,441$8,145$7,008$6,014$3,941
15 years$10,076$8,624$7,354$6,250$5,296$3,346
16 years$9,348$7,913$6,668$5,596$4,680$2,849
17 years$8,707$7,287$6,067$5,028$4,150$2,433
18 years$8,137$6,734$5,539$4,531$3,690$2,081
19 years$7,629$6,241$5,070$4,094$3,289$1,784
20 years$7,171$5,799$4,653$3,708$2,938$1,531
21 years$6,758$5,402$4,280$3,365$2,629$1,316
22 years$6,383$5,042$3,945$3,060$2,356$1,133
23 years$6,041$4,716$3,642$2,787$2,115$976
24 years$5,728$4,419$3,369$2,542$1,901$841
25 years$5,440$4,147$3,120$2,321$1,711$726
26 years$5,175$3,897$2,894$2,122$1,541$627
27 years$4,930$3,668$2,687$1,943$1,389$541
28 years$4,703$3,456$2,498$1,780$1,254$468
29 years$4,492$3,260$2,324$1,632$1,132$404
30 years$4,295$3,079$2,165$1,498$1,023$350
31 years$4,111$2,911$2,019$1,376$925$302
32 years$3,940$2,754$1,883$1,264$837$262
33 years$3,779$2,608$1,758$1,163$757$226
34 years$3,627$2,472$1,643$1,070$685$196
35 years$3,485$2,345$1,536$985$621$170
36 years$3,351$2,225$1,437$907$562$147
37 years$3,225$2,114$1,345$836$510$127
38 years$3,105$2,009$1,260$770$462$110
39 years$2,992$1,910$1,180$710$419$95
40 years$2,885$1,817$1,106$655$380$83
41 years$2,783$1,730$1,037$604$345$72
42 years$2,686$1,647$973$558$313$62
43 years$2,594$1,570$913$515$284$54
44 years$2,507$1,496$857$475$258$47
45 years$2,424$1,427$805$439$234$40
46 years$2,344$1,361$756$406$212$35
47 years$2,268$1,299$710$375$193$30
48 years$2,196$1,240$667$346$175$26
49 years$2,126$1,184$627$320$159$23
50 years$2,060$1,131$590$296$145$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,110,000, adding $4,697 every year, while hoping to spend $31,953 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: 76/9/15 Blend
34$2,110,000$2,110,000$2,110,000$2,110,000
35$2,330,065$2,218,235$2,185,530$2,499,290
36$2,533,734$2,292,931$2,224,747$2,686,376
37$2,757,106$2,370,216$2,264,208$2,886,962
38$3,002,157$2,450,183$2,303,885$3,105,994
39$3,271,065$2,532,929$2,343,753$3,345,301
40$3,566,225$2,618,554$2,383,780$3,606,895
41$3,890,280$2,707,163$2,423,937$3,892,993
42$4,246,137$2,798,863$2,464,187$4,206,037
43$4,637,002$2,893,766$2,504,497$4,548,715
44$5,066,405$2,991,989$2,544,825$4,923,989
45$5,538,234$3,093,652$2,585,133$5,335,122
46$6,056,774$3,198,881$2,625,375$5,785,705
47$6,626,744$3,307,806$2,665,505$6,279,699
48$7,253,346$3,420,562$2,705,473$6,821,462
49$7,942,307$3,537,290$2,745,226$7,415,799
50$8,699,939$3,658,134$2,784,708$8,068,000
51$9,533,196$3,783,246$2,823,859$8,783,895
52$10,449,741$3,912,783$2,862,617$9,569,906
53$11,458,014$4,046,909$2,900,914$10,433,107
54$12,567,316$4,185,793$2,938,679$11,381,294
55$13,787,896$4,329,610$2,975,839$12,423,055
56$15,131,044$4,478,544$3,012,312$13,567,852
57$16,609,202$4,632,784$3,048,016$14,826,109
58$18,236,078$4,792,528$3,082,862$16,209,312
59$20,026,776$4,957,980$3,116,757$17,730,117
60$21,997,941$5,129,355$3,149,601$19,402,468
61$24,167,910$5,306,872$3,181,292$21,241,728
62$26,556,890$5,490,762$3,211,718$23,264,827
63$29,187,148$5,681,264$3,240,766$25,490,418
64$32,083,217$5,878,627$3,268,312$27,939,052
65$35,272,134$6,083,108$3,294,229$30,633,379
66$38,783,688$6,294,976$3,318,382$33,598,351
67$42,650,705$6,514,511$3,340,628$36,861,466
68$46,909,356$6,742,002$3,360,819$40,453,023
69$51,599,501$6,977,750$3,378,797$44,406,408
70$56,765,060$7,222,070$3,394,397$48,758,411
71$62,454,433$7,475,288$3,407,446$53,549,571
72$68,720,950$7,737,742$3,417,760$58,824,558
73$75,623,382$8,009,786$3,425,150$64,632,596
74$83,226,487$8,291,786$3,429,413$71,027,927
75$91,601,629$8,584,125$3,430,339$78,070,321
76$100,827,446$8,887,198$3,427,706$85,825,645
77$110,990,594$9,201,418$3,421,282$94,366,476
78$122,186,563$9,527,216$3,410,824$103,772,794
79$134,520,582$9,865,039$3,396,075$114,132,731
80$148,108,606$10,215,351$3,376,769$125,543,406
81$163,078,417$10,578,636$3,352,624$138,111,841
82$179,570,825$10,955,399$3,323,346$151,955,970
83$197,740,998$11,346,162$3,288,627$167,205,751
84$217,759,929$11,751,473$3,248,145$184,004,396
85$239,816,044$12,171,898$3,201,561$202,509,717
86$264,116,989$12,608,029$3,148,521$222,895,622
87$290,891,581$13,060,481$3,088,656$245,353,753
88$320,391,973$13,529,896$3,021,576$270,095,292
89$352,896,032$14,016,939$2,946,877$297,352,961
90$388,709,964$14,522,306$2,864,134$327,383,212
91$428,171,201$15,046,719$2,772,904$360,468,651
92$471,651,588$15,590,933$2,672,720$396,920,705
93$519,560,893$16,155,731$2,563,099$437,082,564
94$572,350,673$16,741,931$2,443,532$481,332,413
95$630,518,540$17,350,384$2,313,489$530,087,012
96$694,612,854$17,981,976$2,172,414$583,805,621
97$765,237,903$18,637,631$2,019,728$642,994,341
98$843,059,605$19,318,311$1,854,824$708,210,889
99$928,811,795$20,025,019$1,677,071$780,069,864
100$1,023,303,152$20,758,798$1,485,807$859,248,548