Can I retire at age 35 with 2,090,000?

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 $2,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$172,590$171,053$169,553$168,089$166,660$165,540
2 years$85,441$83,849$82,307$80,812$79,362$78,232
3 years$56,395$54,797$53,258$51,777$50,350$49,246
4 years$41,874$40,281$38,758$37,302$35,910$34,840
5 years$33,165$31,581$30,078$28,652$27,298$26,266
6 years$27,360$25,788$24,308$22,913$21,600$20,606
7 years$23,215$21,657$20,200$18,838$17,567$16,611
8 years$20,108$18,564$17,131$15,803$14,573$13,657
9 years$17,693$16,163$14,755$13,461$12,273$11,395
10 years$15,762$14,247$12,864$11,603$10,457$9,617
11 years$14,183$12,683$11,325$10,098$8,993$8,191
12 years$12,868$11,384$10,051$8,857$7,794$7,028
13 years$11,757$10,288$8,980$7,820$6,796$6,067
14 years$10,804$9,351$8,068$6,942$5,957$5,263
15 years$9,980$8,543$7,284$6,191$5,245$4,586
16 years$9,259$7,838$6,604$5,543$4,636$4,009
17 years$8,624$7,218$6,010$4,980$4,111$3,516
18 years$8,060$6,670$5,486$4,488$3,655$3,092
19 years$7,556$6,182$5,022$4,056$3,258$2,725
20 years$7,103$5,744$4,609$3,673$2,910$2,406
21 years$6,694$5,351$4,240$3,334$2,604$2,128
22 years$6,322$4,995$3,907$3,031$2,334$1,885
23 years$5,983$4,671$3,608$2,760$2,095$1,672
24 years$5,673$4,377$3,337$2,518$1,883$1,485
25 years$5,388$4,107$3,090$2,299$1,695$1,320
26 years$5,126$3,860$2,866$2,102$1,526$1,175
27 years$4,883$3,633$2,662$1,924$1,376$1,046
28 years$4,658$3,423$2,474$1,763$1,242$932
29 years$4,449$3,229$2,302$1,617$1,121$831
30 years$4,254$3,050$2,145$1,484$1,013$741
31 years$4,072$2,883$1,999$1,363$916$661
32 years$3,902$2,728$1,865$1,252$829$591
33 years$3,743$2,584$1,742$1,152$750$527
34 years$3,593$2,449$1,627$1,060$679$471
35 years$3,452$2,322$1,522$975$615$421
36 years$3,319$2,204$1,423$898$557$377
37 years$3,194$2,094$1,332$828$505$337
38 years$3,076$1,990$1,248$763$458$301
39 years$2,964$1,892$1,169$703$415$269
40 years$2,857$1,800$1,096$649$377$241
41 years$2,757$1,714$1,027$599$342$216
42 years$2,661$1,632$964$552$310$193
43 years$2,570$1,555$904$510$281$173
44 years$2,483$1,482$849$471$255$155
45 years$2,401$1,413$797$435$232$139
46 years$2,322$1,348$749$402$210$124
47 years$2,247$1,287$703$371$191$111
48 years$2,175$1,228$661$343$174$99
49 years$2,106$1,173$621$317$158$89
50 years$2,041$1,120$584$293$143$80

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,090,000, adding $6,948 every year, while hoping to spend $57,238 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: 47/48/5 Blend
34$2,090,000$2,090,000$2,090,000$2,090,000
35$2,310,347$2,199,577$2,167,182$2,415,617
36$2,485,101$2,246,455$2,178,882$2,535,316
37$2,675,763$2,293,712$2,189,055$2,658,528
38$2,883,892$2,341,306$2,197,590$2,790,877
39$3,111,210$2,389,191$2,204,371$2,933,225
40$3,359,609$2,437,317$2,209,272$3,086,520
41$3,631,173$2,485,629$2,212,167$3,251,809
42$3,928,196$2,534,069$2,212,918$3,430,242
43$4,253,205$2,582,571$2,211,384$3,623,088
44$4,608,981$2,631,066$2,207,414$3,831,747
45$4,998,588$2,679,479$2,200,853$4,057,757
46$5,425,399$2,727,728$2,191,537$4,302,818
47$5,893,128$2,775,726$2,179,292$4,568,800
48$6,405,868$2,823,377$2,163,938$4,857,766
49$6,968,124$2,870,579$2,145,287$5,171,987
50$7,584,858$2,917,224$2,123,141$5,513,971
51$8,261,538$2,963,192$2,097,290$5,886,478
52$9,004,185$3,008,359$2,067,520$6,292,551
53$9,819,431$3,052,587$2,033,600$6,735,547
54$10,714,582$3,095,733$1,995,295$7,219,165
55$11,697,685$3,137,640$1,952,353$7,747,481
56$12,777,607$3,178,142$1,904,515$8,324,990
57$13,964,114$3,217,062$1,851,507$8,956,648
58$15,267,965$3,254,210$1,793,044$9,647,917
59$16,701,013$3,289,382$1,728,827$10,404,819
60$18,276,318$3,322,363$1,658,544$11,233,993
61$20,008,265$3,352,921$1,581,868$12,142,758
62$21,912,705$3,380,812$1,498,458$13,139,182
63$24,007,102$3,405,772$1,407,957$14,232,159
64$26,310,695$3,427,523$1,309,992$15,431,496
65$28,844,683$3,445,769$1,204,174$16,748,003
66$31,632,422$3,460,193$1,090,095$18,193,597
67$34,699,646$3,470,460$967,330$19,781,416
68$38,074,710$3,476,212$835,435$21,525,944
69$41,788,854$3,477,070$693,947$23,443,148
70$45,876,503$3,472,633$542,380$25,550,628
71$50,375,585$3,462,471$380,228$27,867,790
72$55,327,894$3,446,131$206,965$30,416,023
73$60,779,479$3,423,131$22,038$33,218,909
74$66,781,083$3,392,961$0$36,302,442
75$73,388,615$3,355,078$0$39,704,629
76$80,663,686$3,308,909$0$43,449,570
77$88,674,181$3,253,845$0$47,570,943
78$97,494,905$3,189,241$0$52,107,166
79$107,208,286$3,114,414$0$57,100,588
80$117,905,151$3,028,640$0$62,597,891
81$129,685,588$2,931,155$0$68,650,525
82$142,659,884$2,821,148$0$75,315,208
83$156,949,569$2,697,760$0$82,654,450
84$172,688,560$2,560,086$0$90,737,158
85$190,024,427$2,407,165$0$99,639,281
86$209,119,785$2,237,982$0$109,444,532
87$230,153,825$2,051,464$0$120,245,181
88$253,324,006$1,846,478$0$132,142,931
89$278,847,923$1,621,823$0$145,249,877
90$306,965,353$1,376,234$0$159,689,572
91$337,940,521$1,108,372$0$175,598,196
92$372,064,595$816,823$0$193,125,845
93$409,658,429$500,093$0$212,437,949
94$451,075,597$156,605$0$233,716,846
95$496,705,724$0$0$257,163,498
96$546,978,167$0$0$283,113,126
97$602,366,066$0$0$311,794,789
98$663,390,808$0$0$343,395,811
99$730,626,952$0$0$378,213,773
100$804,707,646$0$0$416,576,603