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

Use the below retirement simulation to view the chances of a successful retirement.
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%19%
1 years$172,590$171,053$169,553$168,089$166,660$160,619
2 years$85,441$83,849$82,307$80,812$79,362$73,342
3 years$56,395$54,797$53,258$51,777$50,350$44,541
4 years$41,874$40,281$38,758$37,302$35,910$30,355
5 years$33,165$31,581$30,078$28,652$27,298$22,013
6 years$27,360$25,788$24,308$22,913$21,600$16,588
7 years$23,215$21,657$20,200$18,838$17,567$12,826
8 years$20,108$18,564$17,131$15,803$14,573$10,101
9 years$17,693$16,163$14,755$13,461$12,273$8,062
10 years$15,762$14,247$12,864$11,603$10,457$6,500
11 years$14,183$12,683$11,325$10,098$8,993$5,283
12 years$12,868$11,384$10,051$8,857$7,794$4,320
13 years$11,757$10,288$8,980$7,820$6,796$3,550
14 years$10,804$9,351$8,068$6,942$5,957$2,929
15 years$9,980$8,543$7,284$6,191$5,245$2,424
16 years$9,259$7,838$6,604$5,543$4,636$2,011
17 years$8,624$7,218$6,010$4,980$4,111$1,673
18 years$8,060$6,670$5,486$4,488$3,655$1,393
19 years$7,556$6,182$5,022$4,056$3,258$1,163
20 years$7,103$5,744$4,609$3,673$2,910$971
21 years$6,694$5,351$4,240$3,334$2,604$812
22 years$6,322$4,995$3,907$3,031$2,334$679
23 years$5,983$4,671$3,608$2,760$2,095$569
24 years$5,673$4,377$3,337$2,518$1,883$477
25 years$5,388$4,107$3,090$2,299$1,695$400
26 years$5,126$3,860$2,866$2,102$1,526$335
27 years$4,883$3,633$2,662$1,924$1,376$281
28 years$4,658$3,423$2,474$1,763$1,242$236
29 years$4,449$3,229$2,302$1,617$1,121$198
30 years$4,254$3,050$2,145$1,484$1,013$166
31 years$4,072$2,883$1,999$1,363$916$140
32 years$3,902$2,728$1,865$1,252$829$117
33 years$3,743$2,584$1,742$1,152$750$98
34 years$3,593$2,449$1,627$1,060$679$83
35 years$3,452$2,322$1,522$975$615$69
36 years$3,319$2,204$1,423$898$557$58
37 years$3,194$2,094$1,332$828$505$49
38 years$3,076$1,990$1,248$763$458$41
39 years$2,964$1,892$1,169$703$415$35
40 years$2,857$1,800$1,096$649$377$29
41 years$2,757$1,714$1,027$599$342$24
42 years$2,661$1,632$964$552$310$21
43 years$2,570$1,555$904$510$281$17
44 years$2,483$1,482$849$471$255$14
45 years$2,401$1,413$797$435$232$12
46 years$2,322$1,348$749$402$210$10
47 years$2,247$1,287$703$371$191$9
48 years$2,175$1,228$661$343$174$7
49 years$2,106$1,173$621$317$158$6
50 years$2,041$1,120$584$293$143$5

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 $4,844 every year, while hoping to spend $20,840 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: 30/48/22 Blend
34$2,090,000$2,090,000$2,090,000$2,090,000
35$2,308,177$2,197,407$2,165,012$2,361,473
36$2,521,437$2,282,906$2,215,366$2,488,147
37$2,755,752$2,371,896$2,266,709$2,622,137
38$3,013,246$2,464,527$2,319,051$2,765,851
39$3,296,261$2,560,953$2,372,403$2,920,145
40$3,607,377$2,661,337$2,426,776$3,085,955
41$3,949,437$2,765,850$2,482,181$3,264,310
42$4,325,571$2,874,668$2,538,625$3,456,336
43$4,739,229$2,987,976$2,596,119$3,663,269
44$5,194,213$3,105,969$2,654,671$3,886,464
45$5,694,709$3,228,849$2,714,290$4,127,411
46$6,245,333$3,356,826$2,774,982$4,387,743
47$6,851,169$3,490,122$2,836,755$4,669,253
48$7,517,817$3,628,967$2,899,615$4,973,911
49$8,251,449$3,773,602$2,963,568$5,303,880
50$9,058,867$3,924,278$3,028,618$5,661,536
51$9,947,564$4,081,260$3,094,768$6,049,489
52$10,925,795$4,244,821$3,162,023$6,470,609
53$12,002,658$4,415,250$3,230,383$6,928,048
54$13,188,179$4,592,846$3,299,850$7,425,271
55$14,493,401$4,777,924$3,370,423$7,966,090
56$15,930,497$4,970,812$3,442,101$8,554,691
57$17,512,879$5,171,852$3,514,882$9,195,683
58$19,255,323$5,381,404$3,588,762$9,894,128
59$21,174,115$5,599,841$3,663,734$10,655,600
60$23,287,198$5,827,557$3,739,793$11,486,226
61$25,614,346$6,064,961$3,816,929$12,392,747
62$28,177,346$6,312,480$3,895,133$13,382,581
63$31,000,207$6,570,564$3,974,392$14,463,886
64$34,109,387$6,839,680$4,054,693$15,645,644
65$37,534,039$7,120,319$4,136,019$16,937,734
66$41,306,288$7,412,991$4,218,353$18,351,032
67$45,461,535$7,718,234$4,301,674$19,897,506
68$50,038,791$8,036,607$4,385,959$21,590,330
69$55,081,042$8,368,695$4,471,184$23,444,005
70$60,635,660$8,715,113$4,557,319$25,474,494
71$66,754,844$9,076,500$4,644,336$27,699,370
72$73,496,116$9,453,526$4,732,199$30,137,980
73$80,922,865$9,846,894$4,820,873$32,811,624
74$89,104,941$10,257,336$4,910,317$35,743,757
75$98,119,320$10,685,621$5,000,487$38,960,202
76$108,050,824$11,132,549$5,091,337$42,489,395
77$118,992,927$11,598,963$5,182,815$46,362,651
78$131,048,633$12,085,740$5,274,867$50,614,452
79$144,331,451$12,593,799$5,367,433$55,282,775
80$158,966,467$13,124,102$5,460,450$60,409,441
81$175,091,520$13,677,657$5,553,848$66,040,514
82$192,858,508$14,255,515$5,647,556$72,226,723
83$212,434,821$14,858,780$5,741,493$79,023,945
84$234,004,916$15,488,604$5,835,577$86,493,724
85$257,772,067$16,146,195$5,929,718$94,703,849
86$283,960,274$16,832,815$6,023,820$103,728,990
87$312,816,385$17,549,786$6,117,781$113,651,396
88$344,612,423$18,298,492$6,211,493$124,561,670
89$379,648,152$19,080,380$6,304,840$136,559,619
90$418,253,912$19,896,967$6,397,701$149,755,187
91$460,793,731$20,749,839$6,489,944$164,269,491
92$507,668,766$21,640,655$6,581,432$180,235,960
93$559,321,089$22,571,155$6,672,018$197,801,584
94$616,237,856$23,543,159$6,761,546$217,128,298
95$678,955,913$24,558,569$6,849,854$238,394,505
96$748,066,859$25,619,382$6,936,767$261,796,753
97$824,222,630$26,727,683$7,022,100$287,551,582
98$908,141,659$27,885,660$7,105,661$315,897,561
99$1,000,615,650$29,095,599$7,187,242$347,097,534
100$1,102,517,060$30,359,897$7,266,628$381,441,092