Can I retire at age 35 with 2,070,000?

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 $2,070,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$170,939$169,416$167,930$166,481$165,065$161,600
2 years$84,623$83,047$81,520$80,039$78,602$75,128
3 years$55,855$54,272$52,749$51,282$49,868$46,493
4 years$41,474$39,896$38,387$36,945$35,567$32,316
5 years$32,847$31,279$29,790$28,378$27,037$23,920
6 years$27,098$25,541$24,075$22,694$21,394$18,414
7 years$22,993$21,450$20,006$18,658$17,399$14,557
8 years$19,916$18,386$16,967$15,652$14,434$11,729
9 years$17,524$16,009$14,614$13,332$12,155$9,586
10 years$15,611$14,111$12,741$11,492$10,357$7,920
11 years$14,047$12,562$11,217$10,002$8,907$6,600
12 years$12,745$11,275$9,954$8,773$7,719$5,538
13 years$11,644$10,189$8,894$7,745$6,731$4,672
14 years$10,701$9,262$7,991$6,875$5,900$3,960
15 years$9,885$8,461$7,215$6,131$5,195$3,369
16 years$9,171$7,763$6,541$5,490$4,592$2,875
17 years$8,542$7,149$5,952$4,933$4,071$2,459
18 years$7,983$6,606$5,434$4,445$3,620$2,109
19 years$7,484$6,122$4,974$4,017$3,226$1,812
20 years$7,035$5,689$4,565$3,638$2,882$1,559
21 years$6,630$5,299$4,199$3,302$2,579$1,343
22 years$6,262$4,947$3,870$3,002$2,312$1,159
23 years$5,926$4,627$3,573$2,734$2,075$1,000
24 years$5,619$4,335$3,305$2,494$1,865$864
25 years$5,337$4,068$3,061$2,277$1,678$748
26 years$5,077$3,823$2,839$2,082$1,512$647
27 years$4,836$3,598$2,636$1,906$1,363$560
28 years$4,614$3,391$2,451$1,746$1,230$485
29 years$4,407$3,199$2,280$1,601$1,111$420
30 years$4,214$3,021$2,124$1,470$1,003$364
31 years$4,034$2,856$1,980$1,350$907$316
32 years$3,865$2,702$1,848$1,240$821$274
33 years$3,707$2,559$1,725$1,141$743$238
34 years$3,559$2,425$1,612$1,050$672$206
35 years$3,419$2,300$1,507$966$609$179
36 years$3,288$2,183$1,410$890$552$155
37 years$3,164$2,074$1,320$820$500$135
38 years$3,046$1,971$1,236$756$453$117
39 years$2,935$1,874$1,158$697$411$102
40 years$2,830$1,783$1,085$643$373$88
41 years$2,730$1,697$1,017$593$338$77
42 years$2,635$1,616$954$547$307$67
43 years$2,545$1,540$896$505$279$58
44 years$2,459$1,468$841$466$253$50
45 years$2,378$1,400$789$431$230$44
46 years$2,300$1,335$741$398$208$38
47 years$2,225$1,274$697$368$189$33
48 years$2,154$1,217$655$340$172$29
49 years$2,086$1,162$615$314$156$25
50 years$2,021$1,110$578$290$142$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,070,000, adding $6,023 every year, while hoping to spend $55,754 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: 61/11/28 Blend
34$2,070,000$2,070,000$2,070,000$2,070,000
35$2,287,353$2,177,643$2,145,558$2,409,286
36$2,461,341$2,225,025$2,158,112$2,540,390
37$2,651,207$2,272,861$2,169,218$2,676,899
38$2,858,512$2,321,113$2,178,769$2,824,734
39$3,084,974$2,369,742$2,186,652$2,985,012
40$3,332,485$2,418,702$2,192,748$3,158,965
41$3,603,126$2,467,946$2,196,932$3,347,951
42$3,899,190$2,517,421$2,199,075$3,553,468
43$4,223,202$2,567,069$2,199,039$3,777,167
44$4,577,942$2,616,828$2,196,679$4,020,868
45$4,966,470$2,666,631$2,191,846$4,286,577
46$5,392,157$2,716,404$2,184,381$4,576,506
47$5,858,717$2,766,067$2,174,117$4,893,093
48$6,370,238$2,815,536$2,160,881$5,239,028
49$6,931,222$2,864,717$2,144,491$5,617,274
50$7,546,630$2,913,512$2,124,755$6,031,098
51$8,221,925$2,961,813$2,101,473$6,484,103
52$8,963,125$3,009,505$2,074,436$6,980,261
53$9,776,858$3,056,465$2,043,424$7,523,949
54$10,670,426$3,102,560$2,008,206$8,119,994
55$11,651,872$3,147,648$1,968,544$8,773,719
56$12,730,056$3,191,577$1,924,184$9,490,987
57$13,914,742$3,234,183$1,874,864$10,278,268
58$15,216,681$3,275,293$1,820,307$11,142,689
59$16,647,720$3,314,721$1,760,225$12,092,111
60$18,220,913$3,352,267$1,694,318$13,135,196
61$19,950,637$3,387,720$1,622,269$14,281,495
62$21,852,736$3,420,852$1,543,749$15,541,537
63$23,944,663$3,451,422$1,458,413$16,926,928
64$26,245,650$3,479,173$1,365,901$18,450,461
65$28,776,885$3,503,831$1,265,837$20,126,239
66$31,561,712$3,525,103$1,157,827$21,969,808
67$34,625,853$3,542,680$1,041,461$23,998,304
68$37,997,650$3,556,231$916,310$26,230,617
69$41,708,328$3,565,405$781,924$28,687,567
70$45,792,296$3,569,828$637,837$31,392,107
71$50,287,464$3,569,103$483,559$34,369,533
72$55,235,607$3,562,811$318,579$37,647,732
73$60,682,754$3,550,503$142,366$41,257,439
74$66,679,622$3,531,705$0$45,232,534
75$73,282,098$3,505,914$0$49,624,007
76$80,551,764$3,472,595$0$54,505,646
77$88,556,474$3,431,182$0$59,880,422
78$97,371,001$3,381,076$0$65,798,526
79$107,077,734$3,321,641$0$72,315,268
80$117,767,464$3,252,202$0$79,491,600
81$129,540,232$3,172,047$0$87,394,687
82$142,506,277$3,080,419$0$96,098,547
83$156,787,077$2,976,519$0$105,684,744
84$172,516,491$2,859,500$0$116,243,163
85$189,842,025$2,728,467$0$127,872,855
86$208,926,222$2,582,473$0$140,682,973
87$229,948,197$2,420,514$0$154,793,806
88$253,105,326$2,241,532$0$170,337,908
89$278,615,107$2,044,406$0$187,461,356
90$306,717,218$1,827,951$0$206,325,126
91$337,675,769$1,590,916$0$227,106,614
92$371,781,805$1,331,978$0$250,001,309
93$409,356,045$1,049,740$0$275,224,643
94$450,751,910$742,727$0$303,014,021
95$496,358,862$409,378$0$333,631,063
96$546,606,077$48,048$0$367,364,078
97$601,966,494$0$0$404,530,783
98$662,961,281$0$0$445,522,821
99$730,164,754$0$0$490,694,150
100$804,209,796$0$0$540,464,386