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%17.7%
1 years$173,416$171,871$170,364$168,893$167,457$162,226
2 years$85,850$84,251$82,701$81,199$79,741$74,518
3 years$56,665$55,059$53,513$52,025$50,591$45,539
4 years$42,075$40,474$38,944$37,481$36,082$31,240
5 years$33,323$31,732$30,222$28,789$27,429$22,810
6 years$27,491$25,912$24,424$23,023$21,704$17,312
7 years$23,327$21,761$20,296$18,928$17,651$13,486
8 years$20,205$18,653$17,213$15,878$14,643$10,702
9 years$17,778$16,241$14,825$13,525$12,332$8,610
10 years$15,837$14,315$12,925$11,659$10,507$7,000
11 years$14,251$12,744$11,379$10,146$9,037$5,737
12 years$12,930$11,438$10,099$8,900$7,831$4,732
13 years$11,813$10,337$9,023$7,857$6,829$3,923
14 years$10,856$9,396$8,107$6,975$5,986$3,266
15 years$10,028$8,583$7,319$6,220$5,271$2,728
16 years$9,304$7,875$6,636$5,570$4,658$2,285
17 years$8,666$7,253$6,039$5,004$4,130$1,919
18 years$8,099$6,702$5,512$4,510$3,672$1,614
19 years$7,592$6,211$5,046$4,075$3,273$1,360
20 years$7,137$5,772$4,631$3,691$2,924$1,147
21 years$6,726$5,376$4,260$3,350$2,616$969
22 years$6,352$5,018$3,926$3,045$2,345$819
23 years$6,012$4,694$3,625$2,774$2,105$693
24 years$5,700$4,398$3,353$2,530$1,892$586
25 years$5,414$4,127$3,105$2,310$1,703$497
26 years$5,150$3,879$2,880$2,112$1,534$421
27 years$4,906$3,650$2,674$1,934$1,383$357
28 years$4,680$3,440$2,486$1,772$1,248$303
29 years$4,470$3,245$2,313$1,625$1,127$257
30 years$4,275$3,064$2,155$1,491$1,018$218
31 years$4,092$2,897$2,009$1,369$920$185
32 years$3,921$2,741$1,874$1,258$833$157
33 years$3,761$2,596$1,750$1,157$753$133
34 years$3,610$2,460$1,635$1,065$682$113
35 years$3,469$2,334$1,529$980$618$96
36 years$3,335$2,215$1,430$903$560$82
37 years$3,209$2,104$1,339$832$507$69
38 years$3,090$1,999$1,254$767$460$59
39 years$2,978$1,901$1,174$707$417$50
40 years$2,871$1,809$1,101$652$378$42
41 years$2,770$1,722$1,032$602$343$36
42 years$2,674$1,640$968$555$311$31
43 years$2,582$1,562$909$512$283$26
44 years$2,495$1,489$853$473$257$22
45 years$2,412$1,420$801$437$233$19
46 years$2,333$1,355$752$404$211$16
47 years$2,258$1,293$707$373$192$14
48 years$2,185$1,234$664$345$174$12
49 years$2,116$1,179$624$318$158$10
50 years$2,050$1,126$587$294$144$8

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 $3,944 every year, while hoping to spend $38,915 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: 60/34/6 Blend
34$2,100,000$2,100,000$2,100,000$2,100,000
35$2,318,268$2,206,968$2,174,418$2,454,487
36$2,513,326$2,273,704$2,205,856$2,612,843
37$2,726,976$2,342,406$2,237,043$2,780,649
38$2,961,073$2,413,129$2,267,929$2,962,681
39$3,217,660$2,485,930$2,298,462$3,160,306
40$3,498,987$2,560,867$2,328,586$3,375,028
41$3,807,533$2,637,999$2,358,243$3,608,506
42$4,146,028$2,717,387$2,387,371$3,862,561
43$4,517,478$2,799,094$2,415,903$4,139,200
44$4,925,195$2,883,185$2,443,771$4,440,632
45$5,372,829$2,969,724$2,470,900$4,769,288
46$5,864,396$3,058,780$2,497,214$5,127,845
47$6,404,325$3,150,420$2,522,632$5,519,249
48$6,997,493$3,244,717$2,547,066$5,946,745
49$7,649,270$3,341,742$2,570,426$6,413,905
50$8,365,578$3,441,569$2,592,617$6,924,663
51$9,152,935$3,544,274$2,613,538$7,483,353
52$10,018,526$3,649,935$2,633,083$8,094,745
53$10,970,265$3,758,631$2,651,141$8,764,093
54$12,016,871$3,870,444$2,667,594$9,497,185
55$13,167,952$3,985,456$2,682,318$10,300,395
56$14,434,092$4,103,752$2,695,185$11,180,744
57$15,826,954$4,225,419$2,706,057$12,145,965
58$17,359,385$4,350,547$2,714,792$13,204,579
59$19,045,544$4,479,226$2,721,240$14,365,967
60$20,901,030$4,611,548$2,725,241$15,640,469
61$22,943,029$4,747,608$2,726,631$17,039,472
62$25,190,481$4,887,503$2,725,236$18,575,521
63$27,664,251$5,031,332$2,720,872$20,262,439
64$30,387,332$5,179,195$2,713,350$22,115,452
65$33,385,060$5,331,196$2,702,467$24,151,335
66$36,685,350$5,487,438$2,688,013$26,388,572
67$40,318,962$5,648,029$2,669,768$28,847,526
68$44,319,792$5,813,078$2,647,501$31,550,632
69$48,725,187$5,982,696$2,620,969$34,522,611
70$53,576,304$6,156,995$2,589,919$37,790,699
71$58,918,490$6,336,091$2,554,084$41,384,906
72$64,801,718$6,520,101$2,513,188$45,338,298
73$71,281,051$6,709,144$2,466,937$49,687,307
74$78,417,167$6,903,342$2,415,029$54,472,079
75$86,276,929$7,102,816$2,357,143$59,736,847
76$94,934,015$7,307,693$2,292,947$65,530,352
77$104,469,614$7,518,099$2,222,090$71,906,300
78$114,973,192$7,734,164$2,144,207$78,923,870
79$126,543,337$7,956,018$2,058,918$86,648,271
80$139,288,688$8,183,793$1,965,822$95,151,357
81$153,328,959$8,417,624$1,864,502$104,512,308
82$168,796,072$8,657,647$1,754,522$114,818,370
83$185,835,399$8,903,999$1,635,426$126,165,685
84$204,607,134$9,156,819$1,506,737$138,660,195
85$225,287,806$9,416,248$1,367,958$152,418,639
86$248,071,946$9,682,427$1,218,567$167,569,660
87$273,173,918$9,955,500$1,058,023$184,255,015
88$300,829,949$10,235,610$885,758$202,630,911
89$331,300,352$10,522,903$701,179$222,869,484
90$364,871,987$10,817,525$503,667$245,160,420
91$401,860,967$11,119,621$292,578$269,712,745
92$442,615,642$11,429,339$67,236$296,756,801
93$487,519,887$11,746,826$0$326,546,414
94$536,996,725$12,072,230$0$359,372,385
95$591,512,320$12,405,698$0$395,537,171
96$651,580,376$12,747,376$0$435,376,178
97$717,766,988$13,097,412$0$479,263,759
98$790,695,985$13,455,949$0$527,612,443
99$871,054,818$13,823,133$0$580,876,822
100$959,601,049$14,199,106$0$639,557,849