Can I retire at age 35 with 2,130,000?

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$175,893$174,327$172,798$171,306$169,849$167,035
2 years$87,076$85,454$83,883$82,359$80,881$78,054
3 years$57,474$55,845$54,278$52,768$51,314$48,562
4 years$42,676$41,052$39,500$38,016$36,598$33,942
5 years$33,799$32,185$30,654$29,200$27,821$25,270
6 years$27,884$26,282$24,773$23,352$22,014$19,569
7 years$23,660$22,071$20,586$19,199$17,903$15,566
8 years$20,493$18,919$17,459$16,105$14,852$12,623
9 years$18,032$16,473$15,037$13,718$12,508$10,384
10 years$16,064$14,520$13,110$11,825$10,657$8,638
11 years$14,455$12,926$11,542$10,291$9,166$7,248
12 years$13,115$11,602$10,243$9,027$7,943$6,125
13 years$11,982$10,485$9,151$7,969$6,926$5,205
14 years$11,011$9,530$8,223$7,074$6,071$4,445
15 years$10,171$8,706$7,424$6,309$5,346$3,810
16 years$9,437$7,988$6,731$5,649$4,725$3,276
17 years$8,789$7,356$6,125$5,076$4,189$2,825
18 years$8,215$6,798$5,591$4,574$3,725$2,442
19 years$7,701$6,300$5,118$4,133$3,320$2,115
20 years$7,239$5,854$4,697$3,743$2,966$1,835
21 years$6,822$5,453$4,321$3,397$2,654$1,594
22 years$6,443$5,090$3,982$3,089$2,379$1,387
23 years$6,098$4,761$3,677$2,813$2,135$1,208
24 years$5,782$4,460$3,400$2,566$1,919$1,053
25 years$5,491$4,186$3,150$2,343$1,727$918
26 years$5,224$3,934$2,921$2,143$1,556$802
27 years$4,977$3,702$2,712$1,961$1,403$700
28 years$4,747$3,489$2,522$1,797$1,266$612
29 years$4,534$3,291$2,347$1,648$1,143$535
30 years$4,336$3,108$2,186$1,512$1,033$468
31 years$4,150$2,938$2,038$1,389$934$410
32 years$3,977$2,780$1,901$1,276$844$359
33 years$3,815$2,633$1,775$1,174$764$314
34 years$3,662$2,495$1,659$1,080$692$275
35 years$3,518$2,367$1,551$994$627$241
36 years$3,383$2,247$1,451$916$568$211
37 years$3,255$2,134$1,358$844$515$185
38 years$3,135$2,028$1,271$778$467$162
39 years$3,020$1,928$1,191$717$423$142
40 years$2,912$1,835$1,117$661$384$124
41 years$2,809$1,746$1,047$610$348$109
42 years$2,712$1,663$982$563$316$96
43 years$2,619$1,585$922$520$287$84
44 years$2,531$1,510$865$480$260$74
45 years$2,447$1,440$812$443$236$64
46 years$2,366$1,374$763$409$215$57
47 years$2,290$1,311$717$378$195$50
48 years$2,217$1,252$674$350$177$43
49 years$2,147$1,195$633$323$161$38
50 years$2,080$1,142$595$299$146$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,130,000, adding $6,614 every year, while hoping to spend $47,553 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: 59/13/28 Blend
34$2,130,000$2,130,000$2,130,000$2,130,000
35$2,354,082$2,241,192$2,208,177$2,474,693
36$2,543,603$2,300,415$2,231,555$2,617,116
37$2,750,860$2,360,945$2,254,123$2,766,777
38$2,977,614$2,422,798$2,275,802$2,929,041
39$3,225,802$2,485,985$2,296,512$3,105,146
40$3,497,555$2,550,520$2,316,166$3,296,456
41$3,795,222$2,616,412$2,334,675$3,504,472
42$4,121,391$2,683,672$2,351,942$3,730,851
43$4,478,909$2,752,309$2,367,868$3,977,416
44$4,870,913$2,822,328$2,382,348$4,246,179
45$5,300,860$2,893,735$2,395,270$4,539,354
46$5,772,554$2,966,534$2,406,518$4,859,382
47$6,290,187$3,040,728$2,415,969$5,208,955
48$6,858,378$3,116,315$2,423,496$5,591,037
49$7,482,211$3,193,293$2,428,962$6,008,896
50$8,167,291$3,271,658$2,432,226$6,466,133
51$8,919,788$3,351,403$2,433,139$6,966,718
52$9,746,502$3,432,517$2,431,544$7,515,023
53$10,654,923$3,514,989$2,427,279$8,115,872
54$11,653,303$3,598,801$2,420,170$8,774,575
55$12,750,732$3,683,934$2,410,038$9,496,991
56$13,957,225$3,770,366$2,396,694$10,289,572
57$15,283,818$3,858,070$2,379,939$11,159,433
58$16,742,666$3,947,014$2,359,565$12,114,413
59$18,347,164$4,037,163$2,335,356$13,163,152
60$20,112,068$4,128,477$2,307,084$14,315,176
61$22,053,637$4,220,910$2,274,509$15,580,978
62$24,189,785$4,314,412$2,237,383$16,972,129
63$26,540,251$4,408,926$2,195,443$18,501,378
64$29,126,782$4,504,389$2,148,416$20,182,778
65$31,973,341$4,600,732$2,096,015$22,031,817
66$35,106,332$4,697,878$2,037,942$24,065,565
67$38,554,846$4,795,743$1,973,881$26,302,835
68$42,350,941$4,894,234$1,903,507$28,764,363
69$46,529,938$4,993,252$1,826,475$31,473,001
70$51,130,757$5,092,687$1,742,427$34,453,936
71$56,196,284$5,192,419$1,650,989$37,734,928
72$61,773,777$5,292,319$1,551,768$41,346,572
73$67,915,306$5,392,246$1,444,356$45,322,585
74$74,678,250$5,492,049$1,328,325$49,700,130
75$82,125,835$5,591,563$1,203,228$54,520,164
76$90,327,731$5,690,611$1,068,597$59,827,827
77$99,360,711$5,789,002$923,946$65,672,866
78$109,309,370$5,886,530$768,765$72,110,110
79$120,266,929$5,982,973$602,522$79,199,986
80$132,336,111$6,078,095$424,662$87,009,089
81$145,630,112$6,171,638$234,605$95,610,814
82$160,273,666$6,263,331$31,747$105,086,049
83$176,404,224$6,352,879$0$115,523,941
84$194,173,253$6,439,968$0$127,077,928
85$213,747,660$6,524,262$0$139,814,804
86$235,311,372$6,605,401$0$153,844,608
87$259,067,069$6,683,003$0$169,299,066
88$285,238,095$6,756,655$0$186,323,333
89$314,070,571$6,825,922$0$205,077,372
90$345,835,713$6,890,335$0$225,737,455
91$380,832,392$6,949,398$0$248,497,835
92$419,389,958$7,002,580$0$273,572,573
93$461,871,344$7,049,317$0$301,197,562
94$508,676,496$7,089,008$0$331,632,755
95$560,246,143$7,121,014$0$365,164,617
96$617,065,959$7,144,654$0$402,108,829
97$679,671,151$7,159,205$0$442,813,270
98$748,651,503$7,163,901$0$487,661,299
99$824,656,948$7,157,924$0$537,075,377
100$908,403,703$7,140,408$0$591,521,053