Can I retire at age 35 with 2,140,000?

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 $2,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$176,719$175,145$173,609$172,110$170,647$166,386
2 years$87,485$85,855$84,276$82,745$81,260$76,995
3 years$57,744$56,107$54,532$53,016$51,555$47,418
4 years$42,876$41,245$39,686$38,195$36,769$32,793
5 years$33,958$32,337$30,798$29,337$27,951$24,146
6 years$28,015$26,405$24,889$23,461$22,117$18,487
7 years$23,771$22,175$20,683$19,289$17,987$14,533
8 years$20,590$19,008$17,541$16,181$14,922$11,642
9 years$18,116$16,550$15,108$13,783$12,567$9,457
10 years$16,139$14,588$13,171$11,881$10,707$7,766
11 years$14,522$12,987$11,596$10,340$9,209$6,430
12 years$13,176$11,656$10,291$9,069$7,980$5,360
13 years$12,038$10,534$9,194$8,007$6,959$4,492
14 years$11,063$9,575$8,261$7,108$6,100$3,781
15 years$10,219$8,747$7,459$6,339$5,371$3,194
16 years$9,481$8,025$6,762$5,676$4,747$2,707
17 years$8,831$7,391$6,154$5,100$4,209$2,299
18 years$8,253$6,829$5,617$4,596$3,742$1,957
19 years$7,737$6,330$5,142$4,153$3,336$1,669
20 years$7,273$5,882$4,719$3,761$2,979$1,425
21 years$6,854$5,479$4,341$3,413$2,666$1,218
22 years$6,473$5,114$4,001$3,104$2,390$1,043
23 years$6,127$4,783$3,694$2,826$2,145$893
24 years$5,809$4,481$3,416$2,578$1,928$766
25 years$5,517$4,206$3,164$2,354$1,735$657
26 years$5,248$3,953$2,935$2,153$1,563$564
27 years$5,000$3,720$2,725$1,970$1,409$484
28 years$4,770$3,505$2,533$1,805$1,271$416
29 years$4,556$3,307$2,358$1,655$1,148$358
30 years$4,356$3,123$2,196$1,519$1,037$308
31 years$4,170$2,952$2,047$1,395$938$264
32 years$3,996$2,793$1,910$1,282$848$228
33 years$3,832$2,645$1,783$1,179$768$196
34 years$3,679$2,507$1,666$1,085$695$168
35 years$3,535$2,378$1,558$999$630$145
36 years$3,399$2,257$1,457$920$570$125
37 years$3,271$2,144$1,364$848$517$107
38 years$3,149$2,037$1,277$781$469$92
39 years$3,034$1,937$1,197$720$425$80
40 years$2,926$1,843$1,122$664$386$69
41 years$2,823$1,754$1,052$613$350$59
42 years$2,725$1,671$987$566$317$51
43 years$2,631$1,592$926$522$288$44
44 years$2,543$1,518$869$482$261$38
45 years$2,458$1,447$816$445$237$32
46 years$2,377$1,381$766$411$216$28
47 years$2,301$1,317$720$380$196$24
48 years$2,227$1,258$677$351$178$21
49 years$2,157$1,201$636$325$161$18
50 years$2,089$1,147$598$300$147$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,140,000, adding $3,894 every year, while hoping to spend $23,530 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: 34/41/25 Blend
34$2,140,000$2,140,000$2,140,000$2,140,000
35$2,362,297$2,248,877$2,215,707$2,424,554
36$2,578,215$2,334,036$2,264,897$2,556,625
37$2,815,369$2,422,579$2,314,947$2,696,545
38$3,075,899$2,514,648$2,365,860$2,846,964
39$3,362,163$2,610,389$2,417,639$3,008,830
40$3,676,761$2,709,955$2,470,288$3,183,184
41$4,022,556$2,813,508$2,523,807$3,371,168
42$4,402,700$2,921,214$2,578,198$3,574,035
43$4,820,670$3,033,247$2,633,462$3,793,163
44$5,280,292$3,149,790$2,689,597$4,030,064
45$5,785,786$3,271,033$2,746,602$4,286,400
46$6,341,796$3,397,175$2,804,474$4,563,997
47$6,953,445$3,528,422$2,863,209$4,864,861
48$7,626,373$3,664,991$2,922,803$5,191,198
49$8,366,795$3,807,107$2,983,249$5,545,432
50$9,181,560$3,955,007$3,044,539$5,930,229
51$10,078,213$4,108,937$3,106,666$6,348,520
52$11,065,069$4,269,153$3,169,618$6,803,527
53$12,151,290$4,435,925$3,233,383$7,298,796
54$13,346,968$4,609,533$3,297,949$7,838,226
55$14,663,228$4,790,269$3,363,299$8,426,107
56$16,112,325$4,978,439$3,429,417$9,067,158
57$17,707,763$5,174,364$3,496,283$9,766,571
58$19,464,423$5,378,376$3,563,877$10,530,060
59$21,398,702$5,590,824$3,632,175$11,363,912
60$23,528,668$5,812,073$3,701,151$12,275,049
61$25,874,231$6,042,503$3,770,778$13,271,084
62$28,457,329$6,282,512$3,841,025$14,360,403
63$31,302,136$6,532,515$3,911,860$15,552,233
64$34,435,292$6,792,946$3,983,245$16,856,731
65$37,886,150$7,064,259$4,055,142$18,285,083
66$41,687,057$7,346,927$4,127,509$19,849,600
67$45,873,657$7,641,447$4,200,301$21,563,839
68$50,485,228$7,948,336$4,273,469$23,442,727
69$55,565,051$8,268,134$4,346,960$25,502,700
70$61,160,822$8,601,408$4,420,719$27,761,858
71$67,325,098$8,948,749$4,494,685$30,240,130
72$74,115,794$9,310,775$4,568,793$32,959,467
73$81,596,733$9,688,131$4,642,976$35,944,042
74$89,838,244$10,081,493$4,717,159$39,220,476
75$98,917,826$10,491,567$4,791,265$42,818,091
76$108,920,882$10,919,091$4,865,210$46,769,182
77$119,941,522$11,364,838$4,938,905$51,109,320
78$132,083,456$11,829,613$5,012,257$55,877,685
79$145,460,965$12,314,261$5,085,165$61,117,433
80$160,199,988$12,819,664$5,157,522$66,876,103
81$176,439,304$13,346,745$5,229,216$73,206,062
82$194,331,847$13,896,469$5,300,129$80,164,993
83$214,046,144$14,469,845$5,370,132$87,816,444
84$235,767,912$15,067,929$5,439,093$96,230,417
85$259,701,806$15,691,824$5,506,869$105,484,032
86$286,073,352$16,342,685$5,573,311$115,662,247
87$315,131,077$17,021,720$5,638,261$126,858,658
88$347,148,856$17,730,193$5,701,551$139,176,381
89$382,428,491$18,469,425$5,763,005$152,729,019
90$421,302,569$19,240,798$5,822,437$167,641,732
91$464,137,593$20,045,760$5,879,651$184,052,413
92$511,337,448$20,885,822$5,934,440$202,112,987
93$563,347,210$21,762,569$5,986,585$221,990,841
94$620,657,347$22,677,657$6,035,858$243,870,395
95$683,808,353$23,632,819$6,082,016$267,954,847
96$753,395,847$24,629,868$6,124,805$294,468,076
97$830,076,194$25,670,703$6,163,957$323,656,757
98$914,572,707$26,757,309$6,199,190$355,792,683
99$1,007,682,470$27,891,763$6,230,210$391,175,322
100$1,110,283,864$29,076,242$6,256,704$430,134,641