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

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$175,893$174,327$172,798$171,306$169,849$166,830
2 years$87,076$85,454$83,883$82,359$80,881$77,849
3 years$57,474$55,845$54,278$52,768$51,314$48,364
4 years$42,676$41,052$39,500$38,016$36,598$33,753
5 years$33,799$32,185$30,654$29,200$27,821$25,089
6 years$27,884$26,282$24,773$23,352$22,014$19,398
7 years$23,660$22,071$20,586$19,199$17,903$15,404
8 years$20,493$18,919$17,459$16,105$14,852$12,470
9 years$18,032$16,473$15,037$13,718$12,508$10,240
10 years$16,064$14,520$13,110$11,825$10,657$8,502
11 years$14,455$12,926$11,542$10,291$9,166$7,121
12 years$13,115$11,602$10,243$9,027$7,943$6,006
13 years$11,982$10,485$9,151$7,969$6,926$5,094
14 years$11,011$9,530$8,223$7,074$6,071$4,341
15 years$10,171$8,706$7,424$6,309$5,346$3,713
16 years$9,437$7,988$6,731$5,649$4,725$3,187
17 years$8,789$7,356$6,125$5,076$4,189$2,742
18 years$8,215$6,798$5,591$4,574$3,725$2,365
19 years$7,701$6,300$5,118$4,133$3,320$2,044
20 years$7,239$5,854$4,697$3,743$2,966$1,769
21 years$6,822$5,453$4,321$3,397$2,654$1,534
22 years$6,443$5,090$3,982$3,089$2,379$1,331
23 years$6,098$4,761$3,677$2,813$2,135$1,156
24 years$5,782$4,460$3,400$2,566$1,919$1,006
25 years$5,491$4,186$3,150$2,343$1,727$875
26 years$5,224$3,934$2,921$2,143$1,556$762
27 years$4,977$3,702$2,712$1,961$1,403$664
28 years$4,747$3,489$2,522$1,797$1,266$579
29 years$4,534$3,291$2,347$1,648$1,143$505
30 years$4,336$3,108$2,186$1,512$1,033$441
31 years$4,150$2,938$2,038$1,389$934$385
32 years$3,977$2,780$1,901$1,276$844$336
33 years$3,815$2,633$1,775$1,174$764$293
34 years$3,662$2,495$1,659$1,080$692$256
35 years$3,518$2,367$1,551$994$627$224
36 years$3,383$2,247$1,451$916$568$196
37 years$3,255$2,134$1,358$844$515$171
38 years$3,135$2,028$1,271$778$467$149
39 years$3,020$1,928$1,191$717$423$131
40 years$2,912$1,835$1,117$661$384$114
41 years$2,809$1,746$1,047$610$348$100
42 years$2,712$1,663$982$563$316$87
43 years$2,619$1,585$922$520$287$76
44 years$2,531$1,510$865$480$260$67
45 years$2,447$1,440$812$443$236$58
46 years$2,366$1,374$763$409$215$51
47 years$2,290$1,311$717$378$195$45
48 years$2,217$1,252$674$350$177$39
49 years$2,147$1,195$633$323$161$34
50 years$2,080$1,142$595$299$146$30

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 $6,586 every year, while hoping to spend $33,258 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: 56/14/30 Blend
34$2,130,000$2,130,000$2,130,000$2,130,000
35$2,354,053$2,241,163$2,208,148$2,466,004
36$2,558,781$2,315,594$2,246,735$2,618,363
37$2,783,275$2,392,557$2,285,500$2,780,307
38$3,029,519$2,472,142$2,324,413$2,956,107
39$3,299,693$2,554,440$2,363,445$3,147,113
40$3,596,202$2,639,548$2,402,560$3,354,811
41$3,921,692$2,727,564$2,441,724$3,580,840
42$4,279,081$2,818,591$2,480,898$3,827,003
43$4,671,581$2,912,735$2,520,042$4,095,284
44$5,102,731$3,010,108$2,559,112$4,387,872
45$5,576,430$3,110,824$2,598,063$4,707,175
46$6,096,973$3,215,001$2,636,844$5,055,845
47$6,669,091$3,322,763$2,675,405$5,436,804
48$7,297,997$3,434,237$2,713,690$5,853,272
49$7,989,434$3,549,556$2,751,641$6,308,794
50$8,749,730$3,668,858$2,789,194$6,807,275
51$9,585,855$3,792,285$2,826,285$7,353,019
52$10,505,490$3,919,984$2,862,843$7,950,764
53$11,517,097$4,052,111$2,898,795$8,605,734
54$12,629,999$4,188,822$2,934,063$9,323,680
55$13,854,470$4,330,285$2,968,565$10,110,942
56$15,201,827$4,476,670$3,002,213$10,974,502
57$16,684,541$4,628,155$3,034,915$11,922,055
58$18,316,355$4,784,925$3,066,575$12,962,077
59$20,112,408$4,947,172$3,097,090$14,103,910
60$22,089,384$5,115,093$3,126,353$15,357,844
61$24,265,665$5,288,897$3,154,250$16,735,218
62$26,661,507$5,468,796$3,180,661$18,248,528
63$29,299,227$5,655,014$3,205,460$19,911,540
64$32,203,420$5,847,782$3,228,515$21,739,424
65$35,401,185$6,047,338$3,249,685$23,748,896
66$38,922,381$6,253,933$3,268,825$25,958,374
67$42,799,913$6,467,825$3,285,780$28,388,155
68$47,070,038$6,689,282$3,300,387$31,060,602
69$51,772,708$6,918,584$3,312,477$34,000,360
70$56,951,949$7,156,019$3,321,869$37,234,585
71$62,656,272$7,401,889$3,328,377$40,793,200
72$68,939,137$7,656,506$3,331,802$44,709,181
73$75,859,449$7,920,195$3,331,938$49,018,863
74$83,482,121$8,193,293$3,328,566$53,762,288
75$91,878,684$8,476,151$3,321,459$58,983,580
76$101,127,960$8,769,132$3,310,378$64,731,362
77$111,316,808$9,072,616$3,295,072$71,059,213
78$122,540,943$9,386,994$3,275,277$78,026,178
79$134,905,839$9,712,677$3,250,719$85,697,321
80$148,527,724$10,050,088$3,221,108$94,144,344
81$163,534,679$10,399,670$3,186,143$103,446,257
82$180,067,843$10,761,880$3,145,505$113,690,131
83$198,282,747$11,137,197$3,098,864$124,971,914
84$218,350,783$11,526,115$3,045,871$137,397,341
85$240,460,820$11,929,151$2,986,164$151,082,930
86$264,820,985$12,346,841$2,919,362$166,157,083
87$291,660,632$12,779,742$2,845,067$182,761,295
88$321,232,501$13,228,435$2,762,862$201,051,496
89$353,815,110$13,693,522$2,672,311$221,199,517
90$389,715,376$14,175,630$2,572,959$243,394,715
91$429,271,521$14,675,412$2,464,330$267,845,760
92$472,856,255$15,193,546$2,345,924$294,782,607
93$520,880,302$15,730,738$2,217,221$324,458,663
94$573,796,272$16,287,724$2,077,677$357,153,183
95$632,102,935$16,865,266$1,926,723$393,173,905
96$696,349,931$17,464,160$1,763,764$432,859,953
97$767,142,954$18,085,234$1,588,181$476,585,045
98$845,149,473$18,729,348$1,399,322$524,761,015
99$931,105,032$19,397,399$1,196,512$577,841,703
100$1,025,820,193$20,090,319$979,043$636,327,241