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%13.8%
1 years$175,893$174,327$172,798$171,306$169,849$167,173
2 years$87,076$85,454$83,883$82,359$80,881$78,191
3 years$57,474$55,845$54,278$52,768$51,314$48,695
4 years$42,676$41,052$39,500$38,016$36,598$34,070
5 years$33,799$32,185$30,654$29,200$27,821$25,391
6 years$27,884$26,282$24,773$23,352$22,014$19,685
7 years$23,660$22,071$20,586$19,199$17,903$15,676
8 years$20,493$18,919$17,459$16,105$14,852$12,726
9 years$18,032$16,473$15,037$13,718$12,508$10,482
10 years$16,064$14,520$13,110$11,825$10,657$8,730
11 years$14,455$12,926$11,542$10,291$9,166$7,335
12 years$13,115$11,602$10,243$9,027$7,943$6,206
13 years$11,982$10,485$9,151$7,969$6,926$5,281
14 years$11,011$9,530$8,223$7,074$6,071$4,515
15 years$10,171$8,706$7,424$6,309$5,346$3,876
16 years$9,437$7,988$6,731$5,649$4,725$3,338
17 years$8,789$7,356$6,125$5,076$4,189$2,882
18 years$8,215$6,798$5,591$4,574$3,725$2,495
19 years$7,701$6,300$5,118$4,133$3,320$2,164
20 years$7,239$5,854$4,697$3,743$2,966$1,880
21 years$6,822$5,453$4,321$3,397$2,654$1,636
22 years$6,443$5,090$3,982$3,089$2,379$1,425
23 years$6,098$4,761$3,677$2,813$2,135$1,243
24 years$5,782$4,460$3,400$2,566$1,919$1,085
25 years$5,491$4,186$3,150$2,343$1,727$948
26 years$5,224$3,934$2,921$2,143$1,556$829
27 years$4,977$3,702$2,712$1,961$1,403$726
28 years$4,747$3,489$2,522$1,797$1,266$635
29 years$4,534$3,291$2,347$1,648$1,143$556
30 years$4,336$3,108$2,186$1,512$1,033$487
31 years$4,150$2,938$2,038$1,389$934$427
32 years$3,977$2,780$1,901$1,276$844$375
33 years$3,815$2,633$1,775$1,174$764$328
34 years$3,662$2,495$1,659$1,080$692$288
35 years$3,518$2,367$1,551$994$627$253
36 years$3,383$2,247$1,451$916$568$222
37 years$3,255$2,134$1,358$844$515$195
38 years$3,135$2,028$1,271$778$467$171
39 years$3,020$1,928$1,191$717$423$150
40 years$2,912$1,835$1,117$661$384$132
41 years$2,809$1,746$1,047$610$348$116
42 years$2,712$1,663$982$563$316$102
43 years$2,619$1,585$922$520$287$89
44 years$2,531$1,510$865$480$260$78
45 years$2,447$1,440$812$443$236$69
46 years$2,366$1,374$763$409$215$60
47 years$2,290$1,311$717$378$195$53
48 years$2,217$1,252$674$350$177$47
49 years$2,147$1,195$633$323$161$41
50 years$2,080$1,142$595$299$146$36

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 $2,808 every year, while hoping to spend $34,140 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: 39/35/26 Blend
34$2,130,000$2,130,000$2,130,000$2,130,000
35$2,350,156$2,237,266$2,204,251$2,423,577
36$2,553,548$2,310,568$2,241,769$2,550,559
37$2,776,541$2,386,317$2,279,400$2,684,395
38$3,021,099$2,464,597$2,317,110$2,828,452
39$3,289,384$2,545,496$2,354,867$2,983,683
40$3,583,779$2,629,102$2,392,632$3,151,135
41$3,906,906$2,715,511$2,430,368$3,331,958
42$4,261,657$2,804,817$2,468,031$3,527,420
43$4,651,214$2,897,121$2,505,578$3,738,913
44$5,079,084$2,992,526$2,542,961$3,967,969
45$5,549,130$3,091,139$2,580,130$4,216,275
46$6,065,608$3,193,072$2,617,031$4,485,687
47$6,633,207$3,298,439$2,653,608$4,778,246
48$7,257,091$3,407,360$2,689,802$5,096,201
49$7,942,952$3,519,958$2,725,547$5,442,024
50$8,697,058$3,636,361$2,760,778$5,818,441
51$9,526,316$3,756,701$2,795,422$6,228,447
52$10,438,336$3,881,115$2,829,405$6,675,345
53$11,441,504$4,009,747$2,862,647$7,162,770
54$12,545,055$4,142,743$2,895,064$7,694,722
55$13,759,170$4,280,256$2,926,568$8,275,608
56$15,095,061$4,422,444$2,957,064$8,910,282
57$16,565,086$4,569,473$2,986,454$9,604,088
58$18,182,858$4,721,511$3,014,634$10,362,911
59$19,963,380$4,878,734$3,041,494$11,193,234
60$21,923,179$5,041,327$3,066,919$12,102,198
61$24,080,470$5,209,479$3,090,787$13,097,667
62$26,455,319$5,383,385$3,112,970$14,188,303
63$29,069,841$5,563,249$3,133,333$15,383,650
64$31,948,400$5,749,284$3,151,735$16,694,218
65$35,117,845$5,941,707$3,168,027$18,131,587
66$38,607,761$6,140,747$3,182,052$19,708,514
67$42,450,748$6,346,638$3,193,645$21,439,051
68$46,682,726$6,559,625$3,202,634$23,338,681
69$51,343,279$6,779,962$3,208,837$25,424,459
70$56,476,024$7,007,911$3,212,064$27,715,178
71$62,129,025$7,243,745$3,212,115$30,231,540
72$68,355,244$7,487,747$3,208,779$32,996,356
73$75,213,042$7,740,210$3,201,837$36,034,757
74$82,766,732$8,001,440$3,191,057$39,374,432
75$91,087,179$8,271,751$3,176,198$43,045,890
76$100,252,477$8,551,472$3,157,006$47,082,746
77$110,348,678$8,840,943$3,133,215$51,522,037
78$121,470,612$9,140,518$3,104,546$56,404,575
79$133,722,773$9,450,562$3,070,707$61,775,325
80$147,220,313$9,771,456$3,031,393$67,683,835
81$162,090,123$10,103,596$2,986,282$74,184,699
82$178,472,033$10,447,390$2,935,041$81,338,075
83$196,520,134$10,803,265$2,877,318$89,210,249
84$216,404,225$11,171,663$2,812,745$97,874,262
85$238,311,423$11,553,041$2,740,939$107,410,598
86$262,447,925$11,947,877$2,661,498$117,907,945
87$289,040,955$12,356,665$2,574,000$129,464,027
88$318,340,910$12,779,919$2,478,007$142,186,530
89$350,623,720$13,218,173$2,373,057$156,194,117
90$386,193,456$13,671,980$2,258,671$171,617,545
91$425,385,198$14,141,916$2,134,346$188,600,903
92$468,568,198$14,628,580$1,999,556$207,302,965
93$516,149,366$15,132,592$1,853,753$227,898,695
94$568,577,110$15,654,597$1,696,362$250,580,893
95$626,345,570$16,195,267$1,526,785$275,562,015
96$689,999,281$16,755,298$1,344,395$303,076,180
97$760,138,314$17,335,414$1,148,539$333,381,378
98$837,423,940$17,936,368$938,533$366,761,902
99$922,584,873$18,558,941$713,665$403,531,035
100$1,016,424,148$19,203,946$473,191$444,034,004