Can I retire at age 35 with 2,080,000?

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 $2,080,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$171,764$170,234$168,742$167,285$165,862$161,329
2 years$85,032$83,448$81,913$80,425$78,982$74,448
3 years$56,125$54,534$53,003$51,529$50,109$45,717
4 years$41,674$40,089$38,573$37,124$35,738$31,521
5 years$33,006$31,430$29,934$28,515$27,168$23,136
6 years$27,229$25,665$24,191$22,803$21,497$17,656
7 years$23,104$21,553$20,103$18,748$17,483$13,832
8 years$20,012$18,475$17,049$15,727$14,504$11,041
9 years$17,609$16,086$14,684$13,396$12,214$8,937
10 years$15,687$14,179$12,802$11,548$10,407$7,311
11 years$14,115$12,623$11,271$10,050$8,950$6,031
12 years$12,807$11,329$10,003$8,815$7,756$5,007
13 years$11,700$10,239$8,937$7,782$6,764$4,180
14 years$10,753$9,307$8,030$6,908$5,929$3,504
15 years$9,932$8,502$7,250$6,161$5,220$2,948
16 years$9,215$7,800$6,573$5,517$4,614$2,487
17 years$8,583$7,184$5,981$4,957$4,091$2,103
18 years$8,022$6,638$5,460$4,467$3,637$1,782
19 years$7,520$6,152$4,998$4,036$3,242$1,513
20 years$7,069$5,717$4,587$3,656$2,896$1,286
21 years$6,662$5,325$4,219$3,318$2,591$1,095
22 years$6,292$4,971$3,889$3,016$2,323$932
23 years$5,955$4,649$3,591$2,747$2,085$795
24 years$5,646$4,356$3,321$2,506$1,874$678
25 years$5,363$4,088$3,076$2,288$1,686$579
26 years$5,101$3,842$2,852$2,092$1,519$495
27 years$4,860$3,616$2,649$1,915$1,370$423
28 years$4,636$3,407$2,462$1,755$1,236$362
29 years$4,428$3,214$2,291$1,609$1,116$309
30 years$4,234$3,035$2,134$1,477$1,008$265
31 years$4,053$2,869$1,990$1,356$912$226
32 years$3,884$2,715$1,857$1,246$825$194
33 years$3,725$2,571$1,733$1,146$746$166
34 years$3,576$2,437$1,620$1,055$676$142
35 years$3,436$2,311$1,514$971$612$122
36 years$3,304$2,194$1,417$894$554$104
37 years$3,179$2,084$1,326$824$503$89
38 years$3,061$1,980$1,242$759$456$76
39 years$2,949$1,883$1,163$700$413$65
40 years$2,844$1,791$1,090$646$375$56
41 years$2,743$1,705$1,022$596$340$48
42 years$2,648$1,624$959$550$309$41
43 years$2,558$1,547$900$508$280$35
44 years$2,471$1,475$845$469$254$30
45 years$2,389$1,407$793$433$231$26
46 years$2,311$1,342$745$400$209$22
47 years$2,236$1,280$700$369$190$19
48 years$2,165$1,222$658$341$173$16
49 years$2,096$1,167$618$315$157$14
50 years$2,031$1,115$581$292$143$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,080,000, adding $3,497 every year, while hoping to spend $36,844 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: 40/45/15 Blend
34$2,080,000$2,080,000$2,080,000$2,080,000
35$2,295,767$2,185,527$2,153,287$2,377,221
36$2,490,734$2,253,416$2,186,221$2,503,220
37$2,704,352$2,323,397$2,219,022$2,635,586
38$2,938,485$2,395,533$2,251,649$2,777,989
39$3,195,187$2,469,890$2,284,055$2,931,356
40$3,476,716$2,546,535$2,316,192$3,096,708
41$3,785,564$2,625,538$2,348,007$3,275,169
42$4,124,472$2,706,970$2,379,445$3,467,971
43$4,496,461$2,790,905$2,410,450$3,676,473
44$4,904,859$2,877,418$2,440,959$3,902,167
45$5,353,331$2,966,588$2,470,907$4,146,696
46$5,845,915$3,058,494$2,500,227$4,411,868
47$6,387,058$3,153,221$2,528,844$4,699,670
48$6,981,661$3,250,851$2,556,684$5,012,291
49$7,635,122$3,351,475$2,583,664$5,352,140
50$8,353,388$3,455,180$2,609,700$5,721,868
51$9,143,011$3,562,061$2,634,702$6,124,392
52$10,011,209$3,672,213$2,658,576$6,562,925
53$10,965,935$3,785,734$2,681,220$7,041,004
54$12,015,951$3,902,725$2,702,532$7,562,523
55$13,170,910$4,023,291$2,722,399$8,131,768
56$14,441,449$4,147,539$2,740,706$8,753,462
57$15,839,287$4,275,579$2,757,329$9,432,803
58$17,377,336$4,407,524$2,772,142$10,175,517
59$19,069,823$4,543,491$2,785,007$10,987,908
60$20,932,423$4,683,600$2,795,783$11,876,923
61$22,982,409$4,827,976$2,804,321$12,850,210
62$25,238,813$4,976,745$2,810,464$13,916,193
63$27,722,604$5,130,037$2,814,046$15,084,153
64$30,456,889$5,287,988$2,814,896$16,364,312
65$33,467,128$5,450,736$2,812,831$17,767,930
66$36,781,376$5,618,423$2,807,662$19,307,412
67$40,430,546$5,791,196$2,799,189$20,996,422
68$44,448,702$5,969,204$2,787,202$22,850,015
69$48,873,378$6,152,604$2,771,482$24,884,776
70$53,745,935$6,341,554$2,751,799$27,118,974
71$59,111,948$6,536,218$2,727,912$29,572,742
72$65,021,639$6,736,764$2,699,568$32,268,255
73$71,530,346$6,943,366$2,666,504$35,229,950
74$78,699,051$7,156,200$2,628,442$38,484,747
75$86,594,951$7,375,451$2,585,092$42,062,309
76$95,292,094$7,601,306$2,536,150$45,995,318
77$104,872,076$7,833,958$2,481,299$50,319,784
78$115,424,812$8,073,607$2,420,207$55,075,384
79$127,049,384$8,320,455$2,352,525$60,305,836
80$139,854,976$8,574,712$2,277,890$66,059,311
81$153,961,906$8,836,595$2,195,921$72,388,889
82$169,502,756$9,106,325$2,106,221$79,353,054
83$186,623,631$9,384,128$2,008,373$87,016,253
84$205,485,530$9,670,239$1,901,942$95,449,497
85$226,265,871$9,964,897$1,786,474$104,731,036
86$249,160,162$10,268,349$1,661,493$114,947,092
87$274,383,849$10,580,849$1,526,503$126,192,677
88$302,174,346$10,902,655$1,380,986$138,572,485
89$332,793,280$11,234,036$1,224,399$152,201,885
90$366,528,955$11,575,264$1,056,177$167,208,002
91$403,699,077$11,926,621$875,728$183,730,924
92$444,653,754$12,288,396$682,436$201,925,018
93$489,778,795$12,660,886$475,655$221,960,389
94$539,499,356$13,044,393$254,714$244,024,487
95$594,283,953$13,439,231$18,909$268,323,871
96$654,648,882$13,845,719$0$295,086,164
97$721,163,095$14,264,186$0$324,599,445
98$794,453,569$14,694,969$0$357,108,523
99$875,211,223$15,138,413$0$392,915,089
100$964,197,446$15,594,873$0$432,354,928