Can I retire at age 35 with 2,100,000?

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 $2,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$173,416$171,871$170,364$168,893$167,457$163,675
2 years$85,850$84,251$82,701$81,199$79,741$75,951
3 years$56,665$55,059$53,513$52,025$50,591$46,911
4 years$42,075$40,474$38,944$37,481$36,082$32,541
5 years$33,323$31,732$30,222$28,789$27,429$24,036
6 years$27,491$25,912$24,424$23,023$21,704$18,463
7 years$23,327$21,761$20,296$18,928$17,651$14,563
8 years$20,205$18,653$17,213$15,878$14,643$11,707
9 years$17,778$16,241$14,825$13,525$12,332$9,545
10 years$15,837$14,315$12,925$11,659$10,507$7,867
11 years$14,251$12,744$11,379$10,146$9,037$6,539
12 years$12,930$11,438$10,099$8,900$7,831$5,472
13 years$11,813$10,337$9,023$7,857$6,829$4,604
14 years$10,856$9,396$8,107$6,975$5,986$3,892
15 years$10,028$8,583$7,319$6,220$5,271$3,302
16 years$9,304$7,875$6,636$5,570$4,658$2,809
17 years$8,666$7,253$6,039$5,004$4,130$2,397
18 years$8,099$6,702$5,512$4,510$3,672$2,049
19 years$7,592$6,211$5,046$4,075$3,273$1,755
20 years$7,137$5,772$4,631$3,691$2,924$1,506
21 years$6,726$5,376$4,260$3,350$2,616$1,293
22 years$6,352$5,018$3,926$3,045$2,345$1,112
23 years$6,012$4,694$3,625$2,774$2,105$957
24 years$5,700$4,398$3,353$2,530$1,892$825
25 years$5,414$4,127$3,105$2,310$1,703$711
26 years$5,150$3,879$2,880$2,112$1,534$613
27 years$4,906$3,650$2,674$1,934$1,383$529
28 years$4,680$3,440$2,486$1,772$1,248$457
29 years$4,470$3,245$2,313$1,625$1,127$395
30 years$4,275$3,064$2,155$1,491$1,018$341
31 years$4,092$2,897$2,009$1,369$920$295
32 years$3,921$2,741$1,874$1,258$833$255
33 years$3,761$2,596$1,750$1,157$753$220
34 years$3,610$2,460$1,635$1,065$682$190
35 years$3,469$2,334$1,529$980$618$165
36 years$3,335$2,215$1,430$903$560$142
37 years$3,209$2,104$1,339$832$507$123
38 years$3,090$1,999$1,254$767$460$107
39 years$2,978$1,901$1,174$707$417$92
40 years$2,871$1,809$1,101$652$378$80
41 years$2,770$1,722$1,032$602$343$69
42 years$2,674$1,640$968$555$311$60
43 years$2,582$1,562$909$512$283$52
44 years$2,495$1,489$853$473$257$45
45 years$2,412$1,420$801$437$233$39
46 years$2,333$1,355$752$404$211$34
47 years$2,258$1,293$707$373$192$29
48 years$2,185$1,234$664$345$174$25
49 years$2,116$1,179$624$318$158$22
50 years$2,050$1,126$587$294$144$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,100,000, adding $4,537 every year, while hoping to spend $28,899 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: 38/39/23 Blend
34$2,100,000$2,100,000$2,100,000$2,100,000
35$2,318,880$2,207,580$2,175,030$2,390,906
36$2,524,657$2,285,003$2,217,145$2,521,086
37$2,750,456$2,365,251$2,259,703$2,658,651
38$2,998,286$2,448,433$2,302,687$2,806,746
39$3,270,365$2,534,659$2,346,080$2,966,340
40$3,569,132$2,624,048$2,389,864$3,138,499
41$3,897,278$2,716,720$2,434,019$3,324,394
42$4,257,763$2,812,803$2,478,521$3,525,312
43$4,653,851$2,912,426$2,523,348$3,742,667
44$5,089,137$3,015,728$2,568,473$3,978,014
45$5,567,580$3,122,850$2,613,868$4,233,064
46$6,093,545$3,233,941$2,659,504$4,509,697
47$6,671,836$3,349,154$2,705,348$4,809,982
48$7,307,752$3,468,651$2,751,365$5,136,192
49$8,007,125$3,592,597$2,797,518$5,490,833
50$8,776,385$3,721,168$2,843,768$5,876,656
51$9,622,614$3,854,543$2,890,072$6,296,693
52$10,553,616$3,992,911$2,936,385$6,754,278
53$11,577,990$4,136,469$2,982,659$7,253,079
54$12,705,209$4,285,419$3,028,842$7,797,136
55$13,945,711$4,439,976$3,074,879$8,390,893
56$15,310,999$4,600,360$3,120,713$9,039,245
57$16,813,745$4,766,801$3,166,281$9,747,578
58$18,467,913$4,939,541$3,211,517$10,521,822
59$20,288,890$5,118,828$3,256,353$11,368,506
60$22,293,630$5,304,924$3,300,714$12,294,819
61$24,500,815$5,498,100$3,344,523$13,308,677
62$26,931,029$5,698,638$3,387,696$14,418,796
63$29,606,956$5,906,834$3,430,145$15,634,775
64$32,553,590$6,122,993$3,471,780$16,967,184
65$35,798,473$6,347,436$3,512,500$18,427,663
66$39,371,952$6,580,495$3,552,204$20,029,034
67$43,307,470$6,822,519$3,590,783$21,785,418
68$47,641,879$7,073,869$3,628,120$23,712,365
69$52,415,783$7,334,921$3,664,095$25,827,008
70$57,673,931$7,606,070$3,698,580$28,148,213
71$63,465,629$7,887,725$3,731,440$30,696,766
72$69,845,213$8,180,313$3,762,533$33,495,560
73$76,872,556$8,484,280$3,791,709$36,569,816
74$84,613,637$8,800,090$3,818,811$39,947,314
75$93,141,161$9,128,227$3,843,674$43,658,660
76$102,535,245$9,469,196$3,866,123$47,737,570
77$112,884,177$9,823,523$3,885,975$52,221,187
78$124,285,246$10,191,759$3,903,038$57,150,429
79$136,845,660$10,574,474$3,917,110$62,570,380
80$150,683,562$10,972,268$3,927,977$68,530,705
81$165,929,138$11,385,762$3,935,417$75,086,124
82$182,725,852$11,815,606$3,939,196$82,296,924
83$201,231,797$12,262,479$3,939,067$90,229,528
84$221,621,188$12,727,088$3,934,773$98,957,118
85$244,086,005$13,210,171$3,926,044$108,560,325
86$268,837,806$13,712,498$3,912,595$119,127,990
87$296,109,724$14,234,872$3,894,128$130,757,996
88$326,158,667$14,778,132$3,870,333$143,558,198
89$359,267,744$15,343,153$3,840,882$157,647,428
90$395,748,934$15,930,849$3,805,432$173,156,625
91$435,946,036$16,542,171$3,763,625$190,230,063
92$480,237,910$17,178,116$3,715,084$209,026,711
93$529,042,055$17,839,721$3,659,417$229,721,733
94$582,818,548$18,528,071$3,596,212$252,508,136
95$642,074,392$19,244,298$3,525,036$277,598,593
96$707,368,294$19,989,583$3,445,439$305,227,446
97$779,315,947$20,765,160$3,356,948$335,652,916
98$858,595,838$21,572,316$3,259,070$369,159,533
99$945,955,652$22,412,398$3,151,287$406,060,829
100$1,042,219,332$23,286,810$3,033,060$446,702,283