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%16.2%
1 years$172,590$171,053$169,553$168,089$166,660$162,433
2 years$85,441$83,849$82,307$80,812$79,362$75,131
3 years$56,395$54,797$53,258$51,777$50,350$46,248
4 years$41,874$40,281$38,758$37,302$35,910$31,967
5 years$33,165$31,581$30,078$28,652$27,298$23,526
6 years$27,360$25,788$24,308$22,913$21,600$18,002
7 years$23,215$21,657$20,200$18,838$17,567$14,144
8 years$20,108$18,564$17,131$15,803$14,573$11,323
9 years$17,693$16,163$14,755$13,461$12,273$9,193
10 years$15,762$14,247$12,864$11,603$10,457$7,544
11 years$14,183$12,683$11,325$10,098$8,993$6,243
12 years$12,868$11,384$10,051$8,857$7,794$5,200
13 years$11,757$10,288$8,980$7,820$6,796$4,355
14 years$10,804$9,351$8,068$6,942$5,957$3,664
15 years$9,980$8,543$7,284$6,191$5,245$3,093
16 years$9,259$7,838$6,604$5,543$4,636$2,619
17 years$8,624$7,218$6,010$4,980$4,111$2,223
18 years$8,060$6,670$5,486$4,488$3,655$1,891
19 years$7,556$6,182$5,022$4,056$3,258$1,611
20 years$7,103$5,744$4,609$3,673$2,910$1,375
21 years$6,694$5,351$4,240$3,334$2,604$1,174
22 years$6,322$4,995$3,907$3,031$2,334$1,004
23 years$5,983$4,671$3,608$2,760$2,095$860
24 years$5,673$4,377$3,337$2,518$1,883$737
25 years$5,388$4,107$3,090$2,299$1,695$631
26 years$5,126$3,860$2,866$2,102$1,526$542
27 years$4,883$3,633$2,662$1,924$1,376$465
28 years$4,658$3,423$2,474$1,763$1,242$399
29 years$4,449$3,229$2,302$1,617$1,121$343
30 years$4,254$3,050$2,145$1,484$1,013$294
31 years$4,072$2,883$1,999$1,363$916$253
32 years$3,902$2,728$1,865$1,252$829$217
33 years$3,743$2,584$1,742$1,152$750$187
34 years$3,593$2,449$1,627$1,060$679$161
35 years$3,452$2,322$1,522$975$615$138
36 years$3,319$2,204$1,423$898$557$119
37 years$3,194$2,094$1,332$828$505$102
38 years$3,076$1,990$1,248$763$458$88
39 years$2,964$1,892$1,169$703$415$76
40 years$2,857$1,800$1,096$649$377$65
41 years$2,757$1,714$1,027$599$342$56
42 years$2,661$1,632$964$552$310$48
43 years$2,570$1,555$904$510$281$41
44 years$2,483$1,482$849$471$255$36
45 years$2,401$1,413$797$435$232$31
46 years$2,322$1,348$749$402$210$26
47 years$2,247$1,287$703$371$191$23
48 years$2,175$1,228$661$343$174$20
49 years$2,106$1,173$621$317$158$17
50 years$2,041$1,120$584$293$143$14

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 $6,258 every year, while hoping to spend $24,995 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: 67/18/15 Blend
34$2,090,000$2,090,000$2,090,000$2,090,000
35$2,309,635$2,198,865$2,166,470$2,455,812
36$2,518,623$2,280,015$2,212,452$2,635,284
37$2,748,091$2,364,304$2,259,137$2,827,930
38$3,000,100$2,451,858$2,306,522$3,037,948
39$3,276,922$2,542,811$2,354,603$3,267,038
40$3,581,061$2,637,302$2,403,375$3,517,074
41$3,915,274$2,735,475$2,452,833$3,790,118
42$4,282,598$2,837,479$2,502,969$4,088,442
43$4,686,381$2,943,473$2,553,776$4,414,543
44$5,130,308$3,053,619$2,605,243$4,771,175
45$5,618,442$3,168,090$2,657,362$5,161,366
46$6,155,258$3,287,061$2,710,119$5,588,453
47$6,745,688$3,410,720$2,763,501$6,056,109
48$7,395,162$3,539,260$2,817,493$6,568,380
49$8,109,668$3,672,883$2,872,078$7,129,721
50$8,895,800$3,811,800$2,927,238$7,745,038
51$9,760,824$3,956,230$2,982,953$8,419,735
52$10,712,746$4,106,404$3,039,200$9,159,762
53$11,760,389$4,262,560$3,095,956$9,971,675
54$12,913,471$4,424,949$3,153,193$10,862,695
55$14,182,704$4,593,830$3,210,884$11,840,772
56$15,579,889$4,769,477$3,268,998$12,914,668
57$17,118,029$4,952,172$3,327,500$14,094,032
58$18,811,452$5,142,213$3,386,356$15,389,494
59$20,675,947$5,339,908$3,445,526$16,812,763
60$22,728,911$5,545,581$3,504,968$18,376,740
61$24,989,514$5,759,569$3,564,639$20,095,634
62$27,478,880$5,982,222$3,624,489$21,985,101
63$30,220,284$6,213,910$3,684,468$24,062,389
64$33,239,376$6,455,015$3,744,521$26,346,500
65$36,564,419$6,705,937$3,804,589$28,858,368
66$40,226,558$6,967,096$3,864,610$31,621,057
67$44,260,110$7,238,927$3,924,518$34,659,979
68$48,702,894$7,521,887$3,984,242$38,003,131
69$53,596,581$7,816,452$4,043,707$41,681,360
70$58,987,094$8,123,119$4,102,832$45,728,654
71$64,925,034$8,442,408$4,161,533$50,182,458
72$71,466,163$8,774,863$4,219,721$55,084,034
73$78,671,930$9,121,048$4,277,299$60,478,843
74$86,610,045$9,481,558$4,334,167$66,416,975
75$95,355,125$9,857,010$4,390,218$72,953,624
76$104,989,396$10,248,052$4,445,338$80,149,604
77$115,603,466$10,655,358$4,499,408$88,071,924
78$127,297,184$11,079,635$4,552,302$96,794,421
79$140,180,578$11,521,619$4,603,887$106,398,452
80$154,374,901$11,982,081$4,654,020$116,973,665
81$170,013,764$12,461,827$4,702,554$128,618,843
82$187,244,410$12,961,698$4,749,331$141,442,833
83$206,229,093$13,482,574$4,794,186$155,565,576
84$227,146,614$14,025,374$4,836,945$171,119,235
85$250,194,011$14,591,060$4,877,425$188,249,443
86$275,588,413$15,180,634$4,915,432$207,116,676
87$303,569,094$15,795,149$4,950,762$227,897,766
88$334,399,730$16,435,700$4,983,201$250,787,571
89$368,370,889$17,103,436$5,012,525$276,000,810
90$405,802,772$17,799,556$5,038,496$303,774,090
91$447,048,235$18,525,314$5,060,866$334,368,138
92$492,496,123$19,282,023$5,079,373$368,070,261
93$542,574,938$20,071,053$5,093,743$405,197,057
94$597,756,885$20,893,837$5,103,686$446,097,399
95$658,562,329$21,751,877$5,108,901$491,155,730
96$725,564,706$22,646,739$5,109,069$540,795,688
97$799,395,940$23,580,063$5,103,857$595,484,106
98$880,752,405$24,553,565$5,092,915$655,735,415
99$970,401,498$25,569,037$5,075,876$722,116,497
100$1,069,188,888$26,628,357$5,052,354$795,252,039