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 $2,117 every year, while hoping to spend $49,144 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: 36/46/18 Blend
34$2,100,000$2,100,000$2,100,000$2,100,000
35$2,316,384$2,205,084$2,172,534$2,387,011
36$2,500,366$2,260,844$2,193,025$2,494,275
37$2,701,467$2,317,689$2,212,555$2,605,227
38$2,921,382$2,375,621$2,231,041$2,723,976
39$3,161,976$2,434,639$2,248,393$2,851,245
40$3,425,302$2,494,741$2,264,519$2,987,832
41$3,713,623$2,555,924$2,279,321$3,134,613
42$4,029,430$2,618,181$2,292,695$3,292,555
43$4,375,464$2,681,505$2,304,533$3,462,722
44$4,754,748$2,745,885$2,314,721$3,646,286
45$5,170,608$2,811,309$2,323,140$3,844,539
46$5,626,708$2,877,761$2,329,663$4,058,905
47$6,127,084$2,945,224$2,334,159$4,290,951
48$6,676,182$3,013,675$2,336,489$4,542,404
49$7,278,898$3,083,090$2,336,507$4,815,169
50$7,940,626$3,153,442$2,334,060$5,111,343
51$8,667,308$3,224,699$2,328,989$5,433,239
52$9,465,489$3,296,824$2,321,125$5,783,405
53$10,342,378$3,369,778$2,310,293$6,164,649
54$11,305,920$3,443,517$2,296,307$6,580,067
55$12,364,865$3,517,990$2,278,974$7,033,071
56$13,528,852$3,593,143$2,258,091$7,527,422
57$14,808,504$3,668,915$2,233,446$8,067,264
58$16,215,521$3,745,242$2,204,816$8,657,167
59$17,762,795$3,822,050$2,171,968$9,302,166
60$19,464,530$3,899,260$2,134,659$10,007,814
61$21,336,374$3,976,786$2,092,632$10,780,230
62$23,395,570$4,054,534$2,045,621$11,626,159
63$25,661,115$4,132,403$1,993,346$12,553,037
64$28,153,941$4,210,283$1,935,515$13,569,061
65$30,897,109$4,288,053$1,871,821$14,683,265
66$33,916,032$4,365,585$1,801,945$15,905,610
67$37,238,708$4,442,740$1,725,551$17,247,073
68$40,895,990$4,519,368$1,642,290$18,719,758
69$44,921,870$4,595,306$1,551,797$20,337,005
70$49,353,807$4,670,383$1,453,688$22,113,518
71$54,233,074$4,744,410$1,347,565$24,065,508
72$59,605,148$4,817,187$1,233,010$26,210,843
73$65,520,144$4,888,500$1,109,586$28,569,220
74$72,033,281$4,958,118$976,839$31,162,349
75$79,205,405$5,025,795$834,293$34,014,163
76$87,103,565$5,091,268$681,450$37,151,041
77$95,801,642$5,154,253$517,792$40,602,061
78$105,381,049$5,214,451$342,777$44,399,277
79$115,931,495$5,271,539$155,840$48,578,017
80$127,551,837$5,325,174$0$53,177,224
81$140,351,007$5,374,990$0$58,248,209
82$154,449,042$5,420,596$0$63,862,385
83$169,978,217$5,461,578$0$70,042,067
84$187,084,292$5,497,492$0$76,844,864
85$205,927,888$5,527,867$0$84,334,272
86$226,686,002$5,552,202$0$92,580,264
87$249,553,678$5,569,964$0$101,659,962
88$274,745,846$5,580,586$0$111,658,357
89$302,499,353$5,583,466$0$122,669,120
90$333,075,195$5,577,963$0$134,795,484
91$366,760,982$5,563,400$0$148,151,221
92$403,873,650$5,539,055$0$162,861,716
93$444,762,457$5,504,163$0$179,065,157
94$489,812,273$5,457,912$0$196,913,837
95$539,447,218$5,399,443$0$216,575,597
96$594,134,661$5,327,843$0$238,235,410
97$654,389,634$5,242,144$0$262,097,132
98$720,779,691$5,141,324$0$288,385,426
99$793,930,267$5,024,296$0$317,347,892
100$874,530,579$4,889,912$0$349,257,399