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%16.6%
1 years$176,719$175,145$173,609$172,110$170,647$166,050
2 years$87,485$85,855$84,276$82,745$81,260$76,662
3 years$57,744$56,107$54,532$53,016$51,555$47,099
4 years$42,876$41,245$39,686$38,195$36,769$32,490
5 years$33,958$32,337$30,798$29,337$27,951$23,861
6 years$28,015$26,405$24,889$23,461$22,117$18,218
7 years$23,771$22,175$20,683$19,289$17,987$14,281
8 years$20,590$19,008$17,541$16,181$14,922$11,406
9 years$18,116$16,550$15,108$13,783$12,567$9,238
10 years$16,139$14,588$13,171$11,881$10,707$7,562
11 years$14,522$12,987$11,596$10,340$9,209$6,242
12 years$13,176$11,656$10,291$9,069$7,980$5,186
13 years$12,038$10,534$9,194$8,007$6,959$4,332
14 years$11,063$9,575$8,261$7,108$6,100$3,634
15 years$10,219$8,747$7,459$6,339$5,371$3,059
16 years$9,481$8,025$6,762$5,676$4,747$2,583
17 years$8,831$7,391$6,154$5,100$4,209$2,186
18 years$8,253$6,829$5,617$4,596$3,742$1,854
19 years$7,737$6,330$5,142$4,153$3,336$1,575
20 years$7,273$5,882$4,719$3,761$2,979$1,340
21 years$6,854$5,479$4,341$3,413$2,666$1,141
22 years$6,473$5,114$4,001$3,104$2,390$973
23 years$6,127$4,783$3,694$2,826$2,145$830
24 years$5,809$4,481$3,416$2,578$1,928$709
25 years$5,517$4,206$3,164$2,354$1,735$606
26 years$5,248$3,953$2,935$2,153$1,563$518
27 years$5,000$3,720$2,725$1,970$1,409$443
28 years$4,770$3,505$2,533$1,805$1,271$379
29 years$4,556$3,307$2,358$1,655$1,148$324
30 years$4,356$3,123$2,196$1,519$1,037$278
31 years$4,170$2,952$2,047$1,395$938$238
32 years$3,996$2,793$1,910$1,282$848$204
33 years$3,832$2,645$1,783$1,179$768$175
34 years$3,679$2,507$1,666$1,085$695$150
35 years$3,535$2,378$1,558$999$630$128
36 years$3,399$2,257$1,457$920$570$110
37 years$3,271$2,144$1,364$848$517$94
38 years$3,149$2,037$1,277$781$469$81
39 years$3,034$1,937$1,197$720$425$69
40 years$2,926$1,843$1,122$664$386$59
41 years$2,823$1,754$1,052$613$350$51
42 years$2,725$1,671$987$566$317$44
43 years$2,631$1,592$926$522$288$37
44 years$2,543$1,518$869$482$261$32
45 years$2,458$1,447$816$445$237$28
46 years$2,377$1,381$766$411$216$24
47 years$2,301$1,317$720$380$196$20
48 years$2,227$1,258$677$351$178$17
49 years$2,157$1,201$636$325$161$15
50 years$2,089$1,147$598$300$147$13

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 $4,826 every year, while hoping to spend $36,089 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: 45/30/25 Blend
34$2,140,000$2,140,000$2,140,000$2,140,000
35$2,363,258$2,249,838$2,216,668$2,452,352
36$2,565,912$2,321,682$2,252,528$2,587,714
37$2,788,027$2,395,836$2,288,380$2,730,544
38$3,031,550$2,472,376$2,324,185$2,884,732
39$3,298,626$2,551,380$2,359,902$3,051,354
40$3,591,615$2,632,928$2,395,489$3,231,597
41$3,913,121$2,717,102$2,430,899$3,426,765
42$4,266,007$2,803,988$2,466,082$3,638,292
43$4,653,431$2,893,675$2,500,987$3,867,759
44$5,078,870$2,986,253$2,535,558$4,116,905
45$5,546,153$3,081,818$2,569,738$4,387,643
46$6,059,500$3,180,466$2,603,463$4,682,080
47$6,623,558$3,282,299$2,636,669$5,002,537
48$7,243,450$3,387,420$2,669,286$5,351,568
49$7,924,816$3,495,938$2,701,241$5,731,985
50$8,673,870$3,607,962$2,732,456$6,146,885
51$9,497,461$3,723,609$2,762,850$6,599,679
52$10,403,133$3,842,996$2,792,336$7,094,124
53$11,399,196$3,966,246$2,820,822$7,634,356
54$12,494,808$4,093,486$2,848,214$8,224,931
55$13,700,059$4,224,848$2,874,410$8,870,869
56$15,026,065$4,360,465$2,899,303$9,577,696
57$16,485,075$4,500,479$2,922,780$10,351,502
58$18,090,583$4,645,034$2,944,724$11,198,995
59$19,857,461$4,794,278$2,965,010$12,127,564
60$21,802,091$4,948,367$2,983,508$13,145,347
61$23,942,528$5,107,461$3,000,079$14,261,314
62$26,298,663$5,271,723$3,014,579$15,485,342
63$28,892,414$5,441,326$3,026,855$16,828,316
64$31,747,934$5,616,444$3,036,748$18,302,227
65$34,891,834$5,797,261$3,044,090$19,920,286
66$38,353,439$5,983,965$3,048,705$21,697,049
67$42,165,061$6,176,750$3,050,408$23,648,553
68$46,362,305$6,375,818$3,049,004$25,792,468
69$50,984,404$6,581,377$3,044,289$28,148,264
70$56,074,592$6,793,643$3,036,051$30,737,392
71$61,680,506$7,012,838$3,024,065$33,583,488
72$67,854,643$7,239,192$3,008,097$36,712,597
73$74,654,847$7,472,943$2,987,899$40,153,416
74$82,144,862$7,714,338$2,963,213$43,937,566
75$90,394,927$7,963,630$2,933,771$48,099,890
76$99,482,445$8,221,083$2,899,287$52,678,780
77$109,492,708$8,486,969$2,859,467$57,716,544
78$120,519,704$8,761,570$2,813,998$63,259,797
79$132,667,003$9,045,177$2,762,557$69,359,910
80$146,048,737$9,338,090$2,704,802$76,073,486
81$160,790,674$9,640,622$2,640,379$83,462,900
82$177,031,404$9,953,094$2,568,913$91,596,885
83$194,923,652$10,275,840$2,490,016$100,551,181
84$214,635,712$10,609,204$2,403,280$110,409,250
85$236,353,043$10,953,544$2,308,278$121,263,062
86$260,280,014$11,309,227$2,204,565$133,213,964
87$286,641,832$11,676,637$2,091,675$146,373,639
88$315,686,674$12,056,167$1,969,121$160,865,155
89$347,688,021$12,448,226$1,836,393$176,824,129
90$382,947,248$12,853,237$1,692,961$194,400,009
91$421,796,459$13,271,638$1,538,267$213,757,480
92$464,601,631$13,703,881$1,371,732$235,078,022
93$511,766,061$14,150,435$1,192,749$258,561,623
94$563,734,177$14,611,784$1,000,684$284,428,662
95$620,995,733$15,088,431$794,876$312,921,997
96$684,090,428$15,580,895$574,635$344,309,250
97$753,613,006$16,089,713$339,240$378,885,338
98$830,218,866$16,615,442$87,937$416,975,253
99$914,630,249$17,158,657$0$458,937,135
100$1,007,643,058$17,719,955$0$505,213,730