Can I retire at age 35 with 2,170,000?

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 $2,170,000?

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$179,197$177,600$176,043$174,523$173,039$171,446
2 years$88,711$87,059$85,458$83,905$82,399$80,794
3 years$58,553$56,894$55,297$53,759$52,278$50,710
4 years$43,477$41,823$40,242$38,730$37,285$35,767
5 years$34,434$32,790$31,229$29,749$28,343$26,880
6 years$28,407$26,775$25,238$23,790$22,427$21,020
7 years$24,104$22,486$20,973$19,559$18,239$16,889
8 years$20,878$19,275$17,787$16,408$15,131$13,838
9 years$18,370$16,782$15,320$13,976$12,743$11,505
10 years$16,365$14,793$13,356$12,047$10,857$9,676
11 years$14,726$13,169$11,758$10,485$9,338$8,211
12 years$13,361$11,820$10,435$9,196$8,092$7,018
13 years$12,207$10,682$9,323$8,119$7,056$6,035
14 years$11,218$9,709$8,377$7,207$6,185$5,215
15 years$10,362$8,870$7,563$6,428$5,446$4,525
16 years$9,614$8,138$6,857$5,755$4,813$3,941
17 years$8,954$7,494$6,240$5,171$4,268$3,442
18 years$8,369$6,925$5,696$4,660$3,795$3,013
19 years$7,846$6,418$5,215$4,211$3,382$2,644
20 years$7,375$5,964$4,786$3,814$3,021$2,325
21 years$6,950$5,555$4,402$3,461$2,704$2,047
22 years$6,564$5,186$4,057$3,147$2,423$1,806
23 years$6,212$4,850$3,746$2,866$2,175$1,594
24 years$5,890$4,544$3,464$2,614$1,955$1,409
25 years$5,595$4,265$3,209$2,387$1,759$1,247
26 years$5,322$4,008$2,976$2,183$1,585$1,104
27 years$5,070$3,772$2,763$1,998$1,429$978
28 years$4,836$3,554$2,569$1,831$1,289$868
29 years$4,619$3,353$2,391$1,679$1,164$770
30 years$4,417$3,167$2,227$1,541$1,052$683
31 years$4,228$2,994$2,076$1,415$951$607
32 years$4,052$2,832$1,937$1,300$860$539
33 years$3,886$2,682$1,808$1,196$779$479
34 years$3,731$2,542$1,690$1,100$705$426
35 years$3,584$2,411$1,580$1,013$638$379
36 years$3,446$2,289$1,478$933$578$337
37 years$3,316$2,174$1,383$859$524$300
38 years$3,193$2,066$1,295$792$475$267
39 years$3,077$1,964$1,214$730$431$238
40 years$2,967$1,869$1,138$674$391$211
41 years$2,862$1,779$1,067$622$355$188
42 years$2,763$1,694$1,001$574$322$168
43 years$2,668$1,614$939$530$292$149
44 years$2,578$1,539$881$489$265$133
45 years$2,493$1,467$827$452$241$118
46 years$2,411$1,400$777$417$219$105
47 years$2,333$1,336$730$385$198$94
48 years$2,258$1,275$686$356$180$84
49 years$2,187$1,218$645$329$164$75
50 years$2,119$1,163$606$304$149$66

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,170,000, adding $5,132 every year, while hoping to spend $39,370 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: 74/18/8 Blend
34$2,170,000$2,170,000$2,170,000$2,170,000
35$2,396,634$2,281,624$2,247,989$2,570,626
36$2,599,201$2,351,534$2,281,407$2,755,883
37$2,821,111$2,423,550$2,314,625$2,953,305
38$3,064,294$2,497,734$2,347,595$3,168,468
39$3,330,878$2,574,149$2,380,266$3,403,114
40$3,623,205$2,652,860$2,412,582$3,659,162
41$3,943,856$2,733,935$2,444,488$3,938,722
42$4,295,673$2,817,441$2,475,922$4,244,122
43$4,681,785$2,903,449$2,506,819$4,577,922
44$5,105,642$2,992,033$2,537,112$4,942,942
45$5,571,041$3,083,265$2,566,728$5,342,288
46$6,082,166$3,177,224$2,595,593$5,779,380
47$6,643,626$3,273,988$2,623,625$6,257,985
48$7,260,500$3,373,637$2,650,740$6,782,252
49$7,938,380$3,476,254$2,676,849$7,356,751
50$8,683,429$3,581,925$2,701,857$7,986,516
51$9,502,437$3,690,737$2,725,667$8,677,092
52$10,402,881$3,802,780$2,748,173$9,434,586
53$11,393,004$3,918,145$2,769,266$10,265,727
54$12,481,884$4,036,927$2,788,830$11,177,928
55$13,679,524$4,159,224$2,806,743$12,179,352
56$14,996,944$4,285,135$2,822,878$13,278,998
57$16,446,288$4,414,762$2,837,100$14,486,774
58$18,040,933$4,548,209$2,849,267$15,813,599
59$19,795,622$4,685,586$2,859,231$17,271,503
60$21,726,597$4,827,000$2,866,836$18,873,739
61$23,851,753$4,972,566$2,871,918$20,634,909
62$26,190,810$5,122,400$2,874,306$22,571,101
63$28,765,495$5,276,621$2,873,818$24,700,042
64$31,599,750$5,435,349$2,870,265$27,041,263
65$34,719,954$5,598,711$2,863,449$29,616,283
66$38,155,176$5,766,834$2,853,160$32,448,814
67$41,937,444$5,939,850$2,839,182$35,564,982
68$46,102,053$6,117,892$2,821,284$38,993,576
69$50,687,892$6,301,098$2,799,226$42,766,315
70$55,737,814$6,489,609$2,772,758$46,918,151
71$61,299,041$6,683,570$2,741,615$51,487,599
72$67,423,607$6,883,128$2,705,522$56,517,095
73$74,168,847$7,088,434$2,664,190$62,053,404
74$81,597,946$7,299,644$2,617,317$68,148,051
75$89,780,524$7,516,914$2,564,585$74,857,819
76$98,793,303$7,740,408$2,505,664$82,245,273
77$108,720,823$7,970,291$2,440,206$90,379,358
78$119,656,243$8,206,732$2,367,850$99,336,046
79$131,702,223$8,449,905$2,288,215$109,199,055
80$144,971,885$8,699,985$2,200,906$120,060,636
81$159,589,888$8,957,155$2,105,507$132,022,446
82$175,693,599$9,221,599$2,001,584$145,196,504
83$193,434,394$9,493,504$1,888,685$159,706,252
84$212,979,081$9,773,065$1,766,335$175,687,717
85$234,511,479$10,060,477$1,634,039$193,290,797
86$258,234,151$10,355,941$1,491,280$212,680,672
87$284,370,314$10,659,662$1,337,518$234,039,366
88$313,165,948$10,971,848$1,172,187$257,567,466
89$344,892,118$11,292,711$994,698$283,486,009
90$379,847,529$11,622,469$804,435$312,038,575
91$418,361,349$11,961,343$600,756$343,493,584
92$460,796,314$12,309,556$382,989$378,146,826
93$507,552,152$12,667,338$150,433$416,324,257
94$559,069,355$13,034,922$0$458,385,075
95$615,833,340$13,412,544$0$504,733,452
96$678,379,028$13,800,445$0$555,811,488
97$747,295,892$14,198,870$0$612,087,079
98$823,233,526$14,608,067$0$674,090,003
99$906,907,772$15,028,289$0$742,404,062
100$999,107,480$15,459,791$0$817,672,597