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%18.7%
1 years$172,590$171,053$169,553$168,089$166,660$160,810
2 years$85,441$83,849$82,307$80,812$79,362$73,530
3 years$56,395$54,797$53,258$51,777$50,350$44,720
4 years$41,874$40,281$38,758$37,302$35,910$30,523
5 years$33,165$31,581$30,078$28,652$27,298$22,170
6 years$27,360$25,788$24,308$22,913$21,600$16,734
7 years$23,215$21,657$20,200$18,838$17,567$12,961
8 years$20,108$18,564$17,131$15,803$14,573$10,225
9 years$17,693$16,163$14,755$13,461$12,273$8,176
10 years$15,762$14,247$12,864$11,603$10,457$6,605
11 years$14,183$12,683$11,325$10,098$8,993$5,378
12 years$12,868$11,384$10,051$8,857$7,794$4,407
13 years$11,757$10,288$8,980$7,820$6,796$3,629
14 years$10,804$9,351$8,068$6,942$5,957$3,000
15 years$9,980$8,543$7,284$6,191$5,245$2,488
16 years$9,259$7,838$6,604$5,543$4,636$2,069
17 years$8,624$7,218$6,010$4,980$4,111$1,725
18 years$8,060$6,670$5,486$4,488$3,655$1,440
19 years$7,556$6,182$5,022$4,056$3,258$1,204
20 years$7,103$5,744$4,609$3,673$2,910$1,008
21 years$6,694$5,351$4,240$3,334$2,604$845
22 years$6,322$4,995$3,907$3,031$2,334$709
23 years$5,983$4,671$3,608$2,760$2,095$595
24 years$5,673$4,377$3,337$2,518$1,883$499
25 years$5,388$4,107$3,090$2,299$1,695$420
26 years$5,126$3,860$2,866$2,102$1,526$353
27 years$4,883$3,633$2,662$1,924$1,376$297
28 years$4,658$3,423$2,474$1,763$1,242$250
29 years$4,449$3,229$2,302$1,617$1,121$210
30 years$4,254$3,050$2,145$1,484$1,013$177
31 years$4,072$2,883$1,999$1,363$916$149
32 years$3,902$2,728$1,865$1,252$829$125
33 years$3,743$2,584$1,742$1,152$750$105
34 years$3,593$2,449$1,627$1,060$679$89
35 years$3,452$2,322$1,522$975$615$75
36 years$3,319$2,204$1,423$898$557$63
37 years$3,194$2,094$1,332$828$505$53
38 years$3,076$1,990$1,248$763$458$45
39 years$2,964$1,892$1,169$703$415$38
40 years$2,857$1,800$1,096$649$377$32
41 years$2,757$1,714$1,027$599$342$27
42 years$2,661$1,632$964$552$310$22
43 years$2,570$1,555$904$510$281$19
44 years$2,483$1,482$849$471$255$16
45 years$2,401$1,413$797$435$232$13
46 years$2,322$1,348$749$402$210$11
47 years$2,247$1,287$703$371$191$10
48 years$2,175$1,228$661$343$174$8
49 years$2,106$1,173$621$317$158$7
50 years$2,041$1,120$584$293$143$6

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 $4,201 every year, while hoping to spend $40,113 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: 52/21/27 Blend
34$2,090,000$2,090,000$2,090,000$2,090,000
35$2,307,513$2,196,743$2,164,348$2,409,855
36$2,500,200$2,261,704$2,194,174$2,546,307
37$2,711,196$2,328,503$2,223,655$2,690,256
38$2,942,327$2,397,189$2,252,736$2,846,049
39$3,195,602$2,467,809$2,281,361$3,014,834
40$3,473,237$2,540,415$2,309,470$3,197,874
41$3,777,668$2,615,056$2,336,998$3,396,560
42$4,111,581$2,691,785$2,363,878$3,612,423
43$4,477,934$2,770,654$2,390,040$3,847,149
44$4,879,984$2,851,717$2,415,407$4,102,597
45$5,321,321$2,935,030$2,439,902$4,380,813
46$5,805,897$3,020,647$2,463,439$4,684,052
47$6,338,066$3,108,626$2,485,932$5,014,796
48$6,922,625$3,199,026$2,507,288$5,375,782
49$7,564,859$3,291,904$2,527,408$5,770,024
50$8,270,589$3,387,321$2,546,190$6,200,841
51$9,046,228$3,485,339$2,563,526$6,671,893
52$9,898,841$3,586,018$2,579,302$7,187,211
53$10,836,212$3,689,423$2,593,398$7,751,234
54$11,866,918$3,795,616$2,605,689$8,368,858
55$13,000,406$3,904,664$2,616,042$9,045,473
56$14,247,086$4,016,631$2,624,318$9,787,020
57$15,618,427$4,131,585$2,630,372$10,600,047
58$17,127,067$4,249,593$2,634,049$11,491,767
59$18,786,928$4,370,723$2,635,190$12,470,129
60$20,613,352$4,495,046$2,633,626$13,543,891
61$22,623,241$4,622,630$2,629,179$14,722,707
62$24,835,219$4,753,546$2,621,664$16,017,213
63$27,269,807$4,887,866$2,610,886$17,439,130
64$29,949,618$5,025,662$2,596,642$19,001,373
65$32,899,566$5,167,006$2,578,716$20,718,178
66$36,147,103$5,311,971$2,556,884$22,605,228
67$39,722,481$5,460,630$2,530,913$24,679,810
68$43,659,030$5,613,058$2,500,555$26,960,972
69$47,993,481$5,769,327$2,465,553$29,469,706
70$52,766,304$5,929,513$2,425,637$32,229,144
71$58,022,096$6,093,688$2,380,525$35,264,780
72$63,809,999$6,261,927$2,329,922$38,604,709
73$70,184,161$6,434,304$2,273,516$42,279,889
74$77,204,252$6,610,892$2,210,986$46,324,441
75$84,936,024$6,791,764$2,141,992$50,775,964
76$93,451,931$6,976,992$2,066,181$55,675,894
77$102,831,811$7,166,648$1,983,181$61,069,895
78$113,163,644$7,360,802$1,892,607$67,008,292
79$124,544,379$7,559,524$1,794,052$73,546,541
80$137,080,846$7,762,882$1,687,093$80,745,759
81$150,890,771$7,970,942$1,571,290$88,673,299
82$166,103,880$8,183,769$1,446,178$97,403,384
83$182,863,128$8,401,425$1,311,277$107,017,812
84$201,326,043$8,623,971$1,166,080$117,606,727
85$221,666,218$8,851,464$1,010,063$129,269,470
86$244,074,945$9,083,959$842,673$142,115,519
87$268,763,024$9,321,508$663,338$156,265,522
88$295,962,750$9,564,158$471,456$171,852,436
89$325,930,102$9,811,954$266,402$189,022,783
90$358,947,168$10,064,936$47,522$207,938,038
91$395,324,799$10,323,137$0$228,776,148
92$435,405,547$10,586,589$0$251,786,821
93$479,566,895$10,855,314$0$277,150,660
94$528,224,826$11,129,332$0$305,092,336
95$581,837,742$11,408,653$0$335,874,534
96$640,910,795$11,693,281$0$369,786,726
97$706,000,657$11,983,213$0$407,147,903
98$777,720,769$12,278,435$0$448,309,588
99$856,747,136$12,578,927$0$493,659,152
100$943,824,706$12,884,656$0$543,623,471