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%15.3%
1 years$173,416$171,871$170,364$168,893$167,457$163,808
2 years$85,850$84,251$82,701$81,199$79,741$76,084
3 years$56,665$55,059$53,513$52,025$50,591$47,039
4 years$42,075$40,474$38,944$37,481$36,082$32,662
5 years$33,323$31,732$30,222$28,789$27,429$24,151
6 years$27,491$25,912$24,424$23,023$21,704$18,572
7 years$23,327$21,761$20,296$18,928$17,651$14,665
8 years$20,205$18,653$17,213$15,878$14,643$11,803
9 years$17,778$16,241$14,825$13,525$12,332$9,635
10 years$15,837$14,315$12,925$11,659$10,507$7,950
11 years$14,251$12,744$11,379$10,146$9,037$6,617
12 years$12,930$11,438$10,099$8,900$7,831$5,545
13 years$11,813$10,337$9,023$7,857$6,829$4,672
14 years$10,856$9,396$8,107$6,975$5,986$3,954
15 years$10,028$8,583$7,319$6,220$5,271$3,359
16 years$9,304$7,875$6,636$5,570$4,658$2,862
17 years$8,666$7,253$6,039$5,004$4,130$2,445
18 years$8,099$6,702$5,512$4,510$3,672$2,094
19 years$7,592$6,211$5,046$4,075$3,273$1,796
20 years$7,137$5,772$4,631$3,691$2,924$1,543
21 years$6,726$5,376$4,260$3,350$2,616$1,327
22 years$6,352$5,018$3,926$3,045$2,345$1,143
23 years$6,012$4,694$3,625$2,774$2,105$986
24 years$5,700$4,398$3,353$2,530$1,892$850
25 years$5,414$4,127$3,105$2,310$1,703$734
26 years$5,150$3,879$2,880$2,112$1,534$634
27 years$4,906$3,650$2,674$1,934$1,383$548
28 years$4,680$3,440$2,486$1,772$1,248$474
29 years$4,470$3,245$2,313$1,625$1,127$410
30 years$4,275$3,064$2,155$1,491$1,018$355
31 years$4,092$2,897$2,009$1,369$920$307
32 years$3,921$2,741$1,874$1,258$833$266
33 years$3,761$2,596$1,750$1,157$753$230
34 years$3,610$2,460$1,635$1,065$682$200
35 years$3,469$2,334$1,529$980$618$173
36 years$3,335$2,215$1,430$903$560$150
37 years$3,209$2,104$1,339$832$507$130
38 years$3,090$1,999$1,254$767$460$113
39 years$2,978$1,901$1,174$707$417$98
40 years$2,871$1,809$1,101$652$378$85
41 years$2,770$1,722$1,032$602$343$73
42 years$2,674$1,640$968$555$311$64
43 years$2,582$1,562$909$512$283$55
44 years$2,495$1,489$853$473$257$48
45 years$2,412$1,420$801$437$233$41
46 years$2,333$1,355$752$404$211$36
47 years$2,258$1,293$707$373$192$31
48 years$2,185$1,234$664$345$174$27
49 years$2,116$1,179$624$318$158$23
50 years$2,050$1,126$587$294$144$20

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 $5,788 every year, while hoping to spend $33,186 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: 26/48/26 Blend
34$2,100,000$2,100,000$2,100,000$2,100,000
35$2,320,170$2,208,870$2,176,320$2,361,434
36$2,521,518$2,281,795$2,213,917$2,468,371
37$2,742,291$2,357,181$2,251,662$2,579,793
38$2,984,435$2,435,114$2,289,523$2,698,654
39$3,250,095$2,515,682$2,327,470$2,825,605
40$3,541,632$2,598,977$2,365,467$2,961,358
41$3,861,646$2,685,095$2,403,477$3,106,698
42$4,213,002$2,774,133$2,441,462$3,262,485
43$4,598,857$2,866,194$2,479,380$3,429,662
44$5,022,688$2,961,385$2,517,187$3,609,269
45$5,488,323$3,059,814$2,554,834$3,802,444
46$5,999,984$3,161,596$2,592,272$4,010,440
47$6,562,316$3,266,849$2,629,448$4,234,635
48$7,180,443$3,375,695$2,666,304$4,476,543
49$7,860,004$3,488,260$2,702,782$4,737,826
50$8,607,216$3,604,676$2,738,816$5,020,316
51$9,428,927$3,725,080$2,774,341$5,326,025
52$10,332,681$3,849,613$2,809,285$5,657,167
53$11,326,791$3,978,421$2,843,573$6,016,178
54$12,420,416$4,111,655$2,877,125$6,405,736
55$13,623,647$4,249,475$2,909,857$6,828,790
56$14,947,603$4,392,043$2,941,681$7,288,585
57$16,404,534$4,539,528$2,972,503$7,788,690
58$18,007,938$4,692,107$3,002,223$8,333,036
59$19,772,689$4,849,962$3,030,739$8,925,947
60$21,715,175$5,013,281$3,057,941$9,572,185
61$23,853,453$5,182,262$3,083,712$10,276,993
62$26,207,420$5,357,108$3,107,931$11,046,140
63$28,799,001$5,538,031$3,130,471$11,885,980
64$31,652,354$5,725,248$3,151,196$12,803,511
65$34,794,098$5,918,989$3,169,965$13,806,435
66$38,253,565$6,119,489$3,186,628$14,903,236
67$42,063,078$6,326,994$3,201,030$16,103,255
68$46,258,253$6,541,757$3,213,005$17,416,783
69$50,878,334$6,764,043$3,222,380$18,855,150
70$55,966,569$6,994,125$3,228,974$20,430,836
71$61,570,610$7,232,289$3,232,597$22,157,587
72$67,742,971$7,478,830$3,233,047$24,050,544
73$74,541,516$7,734,054$3,230,116$26,126,386
74$82,030,008$7,998,280$3,223,582$28,403,482
75$90,278,712$8,271,839$3,213,216$30,902,070
76$99,365,056$8,555,074$3,198,773$33,644,441
77$109,374,360$8,848,342$3,180,001$36,655,156
78$120,400,648$9,152,013$3,156,634$39,961,266
79$132,547,524$9,466,472$3,128,392$43,592,577
80$145,929,162$9,792,120$3,094,983$47,581,924
81$160,671,373$10,129,370$3,056,101$51,965,482
82$176,912,798$10,478,654$3,011,426$56,783,107
83$194,806,217$10,840,422$2,960,622$62,078,707
84$214,519,986$11,215,138$2,903,338$67,900,661
85$236,239,631$11,603,286$2,839,207$74,302,271
86$260,169,597$12,005,370$2,767,843$81,342,264
87$286,535,174$12,421,912$2,688,844$89,085,347
88$315,584,631$12,853,455$2,601,790$97,602,814
89$347,591,554$13,300,564$2,506,240$106,973,218
90$382,857,427$13,763,826$2,401,733$117,283,114
91$421,714,482$14,243,851$2,287,789$128,627,870
92$464,528,833$14,741,274$2,163,904$141,112,571
93$511,703,932$15,256,754$2,029,553$154,853,004
94$563,684,375$15,790,977$1,884,185$169,976,754
95$620,960,102$16,344,656$1,727,226$186,624,402
96$684,071,022$16,918,533$1,558,077$204,950,857
97$753,612,104$17,513,379$1,376,110$225,126,808
98$830,239,000$18,129,997$1,180,672$247,340,343
99$914,674,231$18,769,220$971,078$271,798,714
100$1,007,714,008$19,431,917$746,614$298,730,298