Can I retire at age 35 with 2,210,000?

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 $2,210,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$182,500$180,874$179,288$177,740$176,229$173,238
2 years$90,346$88,664$87,033$85,452$83,918$80,914
3 years$59,633$57,943$56,316$54,750$53,241$50,318
4 years$44,279$42,594$40,984$39,444$37,972$35,151
5 years$35,069$33,394$31,805$30,297$28,866$26,156
6 years$28,931$27,269$25,703$24,229$22,841$20,245
7 years$24,548$22,900$21,359$19,920$18,575$16,095
8 years$21,263$19,630$18,115$16,710$15,410$13,044
9 years$18,709$17,091$15,602$14,233$12,978$10,724
10 years$16,667$15,065$13,602$12,269$11,058$8,915
11 years$14,997$13,412$11,975$10,678$9,510$7,476
12 years$13,607$12,038$10,628$9,366$8,241$6,314
13 years$12,432$10,878$9,495$8,269$7,186$5,362
14 years$11,425$9,888$8,531$7,340$6,300$4,575
15 years$10,553$9,033$7,703$6,546$5,547$3,919
16 years$9,791$8,288$6,984$5,861$4,902$3,368
17 years$9,119$7,633$6,355$5,266$4,347$2,902
18 years$8,523$7,053$5,801$4,746$3,865$2,507
19 years$7,990$6,537$5,311$4,288$3,445$2,170
20 years$7,511$6,074$4,874$3,884$3,077$1,881
21 years$7,078$5,658$4,483$3,525$2,753$1,633
22 years$6,685$5,281$4,132$3,205$2,468$1,419
23 years$6,327$4,940$3,815$2,919$2,216$1,235
24 years$5,999$4,628$3,528$2,662$1,991$1,076
25 years$5,698$4,343$3,268$2,431$1,792$938
26 years$5,420$4,082$3,031$2,223$1,614$818
27 years$5,163$3,842$2,814$2,035$1,455$714
28 years$4,926$3,620$2,616$1,864$1,313$623
29 years$4,705$3,415$2,435$1,710$1,186$545
30 years$4,499$3,225$2,268$1,569$1,071$476
31 years$4,306$3,049$2,114$1,441$969$416
32 years$4,126$2,885$1,973$1,324$876$364
33 years$3,958$2,732$1,842$1,218$793$318
34 years$3,799$2,589$1,721$1,120$718$279
35 years$3,650$2,456$1,609$1,031$650$244
36 years$3,510$2,331$1,505$950$589$213
37 years$3,377$2,214$1,409$875$534$187
38 years$3,252$2,104$1,319$807$484$164
39 years$3,134$2,001$1,236$744$439$143
40 years$3,021$1,903$1,158$686$398$126
41 years$2,915$1,812$1,086$633$361$110
42 years$2,814$1,726$1,019$584$328$96
43 years$2,717$1,644$956$539$297$84
44 years$2,626$1,567$898$498$270$74
45 years$2,539$1,494$843$460$245$65
46 years$2,455$1,426$792$425$223$57
47 years$2,376$1,361$744$392$202$50
48 years$2,300$1,299$699$363$184$44
49 years$2,227$1,240$657$335$167$38
50 years$2,158$1,185$618$310$151$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,210,000, adding $3,014 every year, while hoping to spend $50,623 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: 30/40/30 Blend
34$2,210,000$2,210,000$2,210,000$2,210,000
35$2,438,529$2,321,399$2,287,144$2,489,178
36$2,633,396$2,381,285$2,309,901$2,589,218
37$2,846,444$2,442,409$2,331,723$2,692,167
38$3,079,472$2,504,778$2,352,527$2,801,932
39$3,334,463$2,568,397$2,372,222$2,919,142
40$3,613,602$2,633,272$2,390,715$3,044,493
41$3,919,292$2,699,405$2,407,906$3,178,749
42$4,254,181$2,766,797$2,423,693$3,322,755
43$4,621,185$2,835,448$2,437,964$3,477,441
44$5,023,516$2,905,355$2,450,605$3,643,830
45$5,464,710$2,976,512$2,461,496$3,823,054
46$5,948,662$3,048,913$2,470,508$4,016,358
47$6,479,664$3,122,549$2,477,509$4,225,115
48$7,062,442$3,197,406$2,482,357$4,450,838
49$7,702,202$3,273,469$2,484,907$4,695,198
50$8,404,678$3,350,720$2,485,003$4,960,033
51$9,176,187$3,429,138$2,482,482$5,247,375
52$10,023,688$3,508,696$2,477,176$5,559,459
53$10,954,848$3,589,366$2,468,905$5,898,753
54$11,978,112$3,671,114$2,457,482$6,267,977
55$13,102,783$3,753,902$2,442,712$6,670,130
56$14,339,112$3,837,689$2,424,388$7,108,520
57$15,698,392$3,922,426$2,402,295$7,586,794
58$17,193,065$4,008,061$2,376,209$8,108,973
59$18,836,837$4,094,536$2,345,891$8,679,492
60$20,644,811$4,181,785$2,311,095$9,303,238
61$22,633,627$4,269,738$2,271,563$9,985,604
62$24,821,618$4,358,316$2,227,021$10,732,533
63$27,228,985$4,447,435$2,177,188$11,550,581
64$29,877,983$4,537,001$2,121,765$12,446,973
65$32,793,135$4,626,912$2,060,442$13,429,680
66$36,001,462$4,717,058$1,992,895$14,507,486
67$39,532,737$4,807,319$1,918,782$15,690,080
68$43,419,764$4,897,566$1,837,749$16,988,142
69$47,698,691$4,987,657$1,749,424$18,413,448
70$52,409,346$5,077,441$1,653,419$19,978,982
71$57,595,618$5,166,755$1,549,327$21,699,059
72$63,305,866$5,255,421$1,436,725$23,589,462
73$69,593,378$5,343,250$1,315,168$25,667,590
74$76,516,871$5,430,037$1,184,195$27,952,626
75$84,141,046$5,515,564$1,043,320$30,465,720
76$92,537,200$5,599,594$892,038$33,230,185
77$101,783,896$5,681,875$729,823$36,271,726
78$111,967,703$5,762,137$556,122$39,618,679
79$123,184,017$5,840,090$370,360$43,302,282
80$135,537,957$5,915,424$171,937$47,356,972
81$149,145,357$5,987,809$0$51,820,710
82$164,133,862$6,056,890$0$56,748,090
83$180,644,128$6,122,290$0$62,232,061
84$198,831,153$6,183,605$0$68,268,599
85$218,865,735$6,240,407$0$74,913,988
86$240,936,091$6,292,238$0$82,230,258
87$265,249,623$6,338,608$0$90,285,770
88$292,034,883$6,378,999$0$99,155,864
89$321,543,730$6,412,858$0$108,923,570
90$354,053,699$6,439,597$0$119,680,392
91$389,870,628$6,458,589$0$131,527,176
92$429,331,544$6,469,172$0$144,575,062
93$472,807,837$6,470,637$0$158,946,532
94$520,708,773$6,462,235$0$174,776,574
95$573,485,353$6,443,169$0$192,213,950
96$631,634,569$6,412,594$0$211,422,610
97$695,704,096$6,369,613$0$232,583,236
98$766,297,464$6,313,274$0$255,894,953
99$844,079,749$6,242,568$0$281,577,209
100$929,783,855$6,156,426$0$309,871,850