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%11%
1 years$170,939$169,416$167,930$166,481$165,065$164,369
2 years$84,623$83,047$81,520$80,039$78,602$77,900
3 years$55,855$54,272$52,749$51,282$49,868$49,181
4 years$41,474$39,896$38,387$36,945$35,567$34,900
5 years$32,847$31,279$29,790$28,378$27,037$26,393
6 years$27,098$25,541$24,075$22,694$21,394$20,772
7 years$22,993$21,450$20,006$18,658$17,399$16,801
8 years$19,916$18,386$16,967$15,652$14,434$13,860
9 years$17,524$16,009$14,614$13,332$12,155$11,605
10 years$15,611$14,111$12,741$11,492$10,357$9,830
11 years$14,047$12,562$11,217$10,002$8,907$8,403
12 years$12,745$11,275$9,954$8,773$7,719$7,237
13 years$11,644$10,189$8,894$7,745$6,731$6,271
14 years$10,701$9,262$7,991$6,875$5,900$5,462
15 years$9,885$8,461$7,215$6,131$5,195$4,777
16 years$9,171$7,763$6,541$5,490$4,592$4,194
17 years$8,542$7,149$5,952$4,933$4,071$3,694
18 years$7,983$6,606$5,434$4,445$3,620$3,262
19 years$7,484$6,122$4,974$4,017$3,226$2,887
20 years$7,035$5,689$4,565$3,638$2,882$2,560
21 years$6,630$5,299$4,199$3,302$2,579$2,275
22 years$6,262$4,947$3,870$3,002$2,312$2,024
23 years$5,926$4,627$3,573$2,734$2,075$1,803
24 years$5,619$4,335$3,305$2,494$1,865$1,609
25 years$5,337$4,068$3,061$2,277$1,678$1,437
26 years$5,077$3,823$2,839$2,082$1,512$1,284
27 years$4,836$3,598$2,636$1,906$1,363$1,149
28 years$4,614$3,391$2,451$1,746$1,230$1,028
29 years$4,407$3,199$2,280$1,601$1,111$921
30 years$4,214$3,021$2,124$1,470$1,003$826
31 years$4,034$2,856$1,980$1,350$907$741
32 years$3,865$2,702$1,848$1,240$821$665
33 years$3,707$2,559$1,725$1,141$743$597
34 years$3,559$2,425$1,612$1,050$672$536
35 years$3,419$2,300$1,507$966$609$481
36 years$3,288$2,183$1,410$890$552$432
37 years$3,164$2,074$1,320$820$500$389
38 years$3,046$1,971$1,236$756$453$349
39 years$2,935$1,874$1,158$697$411$314
40 years$2,830$1,783$1,085$643$373$283
41 years$2,730$1,697$1,017$593$338$254
42 years$2,635$1,616$954$547$307$229
43 years$2,545$1,540$896$505$279$206
44 years$2,459$1,468$841$466$253$185
45 years$2,378$1,400$789$431$230$167
46 years$2,300$1,335$741$398$208$150
47 years$2,225$1,274$697$368$189$135
48 years$2,154$1,217$655$340$172$122
49 years$2,086$1,162$615$314$156$109
50 years$2,021$1,110$578$290$142$98

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 $5,303 every year, while hoping to spend $31,467 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: 66/22/12 Blend
34$2,070,000$2,070,000$2,070,000$2,070,000
35$2,286,610$2,176,900$2,144,815$2,431,033
36$2,486,364$2,250,088$2,183,186$2,601,165
37$2,705,437$2,325,807$2,221,787$2,782,850
38$2,945,769$2,404,148$2,260,594$2,980,630
39$3,209,492$2,485,206$2,299,578$3,196,075
40$3,498,957$2,569,078$2,338,712$3,430,913
41$3,816,754$2,655,866$2,377,962$3,687,048
42$4,165,735$2,745,676$2,417,295$3,966,574
43$4,549,042$2,838,615$2,456,676$4,271,798
44$4,970,135$2,934,798$2,496,066$4,605,257
45$5,432,828$3,034,343$2,535,423$4,969,748
46$5,941,322$3,137,371$2,574,705$5,368,349
47$6,500,244$3,244,009$2,613,865$5,804,449
48$7,114,692$3,354,389$2,652,853$6,281,780
49$7,790,284$3,468,648$2,691,617$6,804,453
50$8,533,209$3,586,927$2,730,102$7,376,996
51$9,350,283$3,709,373$2,768,247$8,004,393
52$10,249,020$3,836,140$2,805,991$8,692,136
53$11,237,695$3,967,387$2,843,267$9,446,274
54$12,325,429$4,103,277$2,880,006$10,273,468
55$13,522,268$4,243,984$2,916,131$11,181,057
56$14,839,284$4,389,683$2,951,566$12,177,125
57$16,288,674$4,540,561$2,986,227$13,270,574
58$17,883,879$4,696,809$3,020,026$14,471,216
59$19,639,709$4,858,627$3,052,871$15,789,855
60$21,572,481$5,026,221$3,084,664$17,238,396
61$23,700,176$5,199,807$3,115,302$18,829,953
62$26,042,605$5,379,610$3,144,676$20,578,975
63$28,621,600$5,565,860$3,172,672$22,501,378
64$31,461,217$5,758,800$3,199,170$24,614,701
65$34,587,960$5,958,681$3,224,041$26,938,264
66$38,031,040$6,165,764$3,247,154$29,493,354
67$41,822,639$6,380,319$3,268,367$32,303,426
68$45,998,223$6,602,629$3,287,532$35,394,319
69$50,596,871$6,832,988$3,304,494$38,794,508
70$55,661,646$7,071,699$3,319,089$42,535,361
71$61,240,002$7,319,079$3,331,146$46,651,445
72$67,384,226$7,575,459$3,340,484$51,180,844
73$74,151,941$7,841,180$3,346,913$56,165,523
74$81,606,640$8,116,599$3,350,236$61,651,721
75$89,818,291$8,402,086$3,350,243$67,690,386
76$98,863,996$8,698,027$3,346,715$74,337,658
77$108,828,716$9,004,823$3,339,422$81,655,395
78$119,806,076$9,322,890$3,328,123$89,711,760
79$131,899,246$9,652,663$3,312,567$98,581,859
80$145,221,919$9,994,592$3,292,487$108,348,454
81$159,899,375$10,349,148$3,267,606$119,102,739
82$176,069,674$10,716,819$3,237,634$130,945,205
83$193,884,952$11,098,114$3,202,265$143,986,582
84$213,512,857$11,493,562$3,161,181$158,348,888
85$235,138,135$11,903,713$3,114,047$174,166,578
86$258,964,371$12,329,141$3,060,514$191,587,813
87$285,215,910$12,770,442$3,000,215$210,775,856
88$314,139,978$13,228,239$2,932,766$231,910,616
89$346,009,009$13,703,176$2,857,768$255,190,339
90$381,123,225$14,195,929$2,774,800$280,833,486
91$419,813,462$14,707,197$2,683,424$309,080,789
92$462,444,296$15,237,711$2,583,180$340,197,524
93$509,417,486$15,788,230$2,473,588$374,476,014
94$561,175,763$16,359,547$2,354,147$412,238,387
95$618,207,012$16,952,486$2,224,332$453,839,617
96$681,048,875$17,567,906$2,083,595$499,670,873
97$750,293,828$18,206,701$1,931,362$550,163,210
98$826,594,771$18,869,802$1,767,036$605,791,638
99$910,671,197$19,558,181$1,589,991$667,079,603
100$1,003,315,976$20,272,849$1,399,573$734,603,930