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%13.7%
1 years$176,719$175,145$173,609$172,110$170,647$168,027
2 years$87,485$85,855$84,276$82,745$81,260$78,628
3 years$57,744$56,107$54,532$53,016$51,555$48,991
4 years$42,876$41,245$39,686$38,195$36,769$34,294
5 years$33,958$32,337$30,798$29,337$27,951$25,571
6 years$28,015$26,405$24,889$23,461$22,117$19,835
7 years$23,771$22,175$20,683$19,289$17,987$15,804
8 years$20,590$19,008$17,541$16,181$14,922$12,838
9 years$18,116$16,550$15,108$13,783$12,567$10,580
10 years$16,139$14,588$13,171$11,881$10,707$8,817
11 years$14,522$12,987$11,596$10,340$9,209$7,413
12 years$13,176$11,656$10,291$9,069$7,980$6,276
13 years$12,038$10,534$9,194$8,007$6,959$5,344
14 years$11,063$9,575$8,261$7,108$6,100$4,572
15 years$10,219$8,747$7,459$6,339$5,371$3,927
16 years$9,481$8,025$6,762$5,676$4,747$3,385
17 years$8,831$7,391$6,154$5,100$4,209$2,925
18 years$8,253$6,829$5,617$4,596$3,742$2,534
19 years$7,737$6,330$5,142$4,153$3,336$2,199
20 years$7,273$5,882$4,719$3,761$2,979$1,912
21 years$6,854$5,479$4,341$3,413$2,666$1,665
22 years$6,473$5,114$4,001$3,104$2,390$1,452
23 years$6,127$4,783$3,694$2,826$2,145$1,267
24 years$5,809$4,481$3,416$2,578$1,928$1,107
25 years$5,517$4,206$3,164$2,354$1,735$968
26 years$5,248$3,953$2,935$2,153$1,563$847
27 years$5,000$3,720$2,725$1,970$1,409$742
28 years$4,770$3,505$2,533$1,805$1,271$650
29 years$4,556$3,307$2,358$1,655$1,148$570
30 years$4,356$3,123$2,196$1,519$1,037$500
31 years$4,170$2,952$2,047$1,395$938$438
32 years$3,996$2,793$1,910$1,282$848$385
33 years$3,832$2,645$1,783$1,179$768$338
34 years$3,679$2,507$1,666$1,085$695$296
35 years$3,535$2,378$1,558$999$630$260
36 years$3,399$2,257$1,457$920$570$229
37 years$3,271$2,144$1,364$848$517$201
38 years$3,149$2,037$1,277$781$469$176
39 years$3,034$1,937$1,197$720$425$155
40 years$2,926$1,843$1,122$664$386$136
41 years$2,823$1,754$1,052$613$350$120
42 years$2,725$1,671$987$566$317$105
43 years$2,631$1,592$926$522$288$92
44 years$2,543$1,518$869$482$261$81
45 years$2,458$1,447$816$445$237$71
46 years$2,377$1,381$766$411$216$63
47 years$2,301$1,317$720$380$196$55
48 years$2,227$1,258$677$351$178$49
49 years$2,157$1,201$636$325$161$43
50 years$2,089$1,147$598$300$147$38

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 $2,001 every year, while hoping to spend $53,394 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: 52/29/19 Blend
34$2,140,000$2,140,000$2,140,000$2,140,000
35$2,360,344$2,246,924$2,213,754$2,470,660
36$2,544,288$2,300,213$2,231,104$2,600,019
37$2,745,205$2,354,323$2,247,246$2,734,915
38$2,964,770$2,409,238$2,262,082$2,880,490
39$3,204,826$2,464,940$2,275,512$3,037,774
40$3,467,404$2,521,408$2,287,427$3,207,904
41$3,754,739$2,578,617$2,297,715$3,392,131
42$4,069,293$2,636,539$2,306,259$3,591,835
43$4,413,775$2,695,144$2,312,933$3,808,535
44$4,791,171$2,754,397$2,317,607$4,043,905
45$5,204,768$2,814,260$2,320,145$4,299,790
46$5,658,186$2,874,691$2,320,401$4,578,225
47$6,155,413$2,935,642$2,318,227$4,881,451
48$6,700,840$2,997,063$2,313,462$5,211,936
49$7,299,303$3,058,897$2,305,941$5,572,405
50$7,956,132$3,121,083$2,295,489$5,965,857
51$8,677,195$3,183,554$2,281,926$6,395,598
52$9,468,956$3,246,236$2,265,058$6,865,275
53$10,338,538$3,309,050$2,244,686$7,378,905
54$11,293,786$3,371,910$2,220,599$7,940,916
55$12,343,341$3,434,722$2,192,578$8,556,190
56$13,496,725$3,497,387$2,160,393$9,230,105
57$14,764,427$3,559,794$2,123,802$9,968,594
58$16,158,001$3,621,827$2,082,552$10,778,192
59$17,690,180$3,683,359$2,036,380$11,666,104
60$19,374,989$3,744,255$1,985,010$12,640,273
61$21,227,882$3,804,367$1,928,151$13,709,454
62$23,265,883$3,863,539$1,865,502$14,883,295
63$25,507,753$3,921,602$1,796,746$16,172,433
64$27,974,159$3,978,376$1,721,553$17,588,593
65$30,687,874$4,033,667$1,639,575$19,144,697
66$33,673,989$4,087,268$1,550,453$20,854,989
67$36,960,150$4,138,959$1,453,807$22,735,172
68$40,576,820$4,188,501$1,349,244$24,802,552
69$44,557,561$4,235,644$1,236,349$27,076,204
70$48,939,358$4,280,116$1,114,693$29,577,155
71$53,762,962$4,321,631$983,824$32,328,583
72$59,073,275$4,359,882$843,273$35,356,031
73$64,919,774$4,394,541$692,547$38,687,658
74$71,356,978$4,425,261$531,135$42,354,498
75$78,444,961$4,451,670$358,500$46,390,758
76$86,249,921$4,473,375$174,083$50,834,144
77$94,844,799$4,489,957$0$55,726,211
78$104,309,972$4,500,968$0$61,117,372
79$114,734,009$4,505,936$0$67,091,465
80$126,214,508$4,504,357$0$73,668,936
81$138,859,012$4,495,695$0$80,911,248
82$152,786,031$4,479,383$0$88,886,138
83$168,126,153$4,454,820$0$97,668,254
84$185,023,279$4,421,365$0$107,339,862
85$203,635,983$4,378,341$0$117,991,624
86$224,139,003$4,325,029$0$129,723,453
87$246,724,893$4,260,668$0$142,645,456
88$271,605,841$4,184,449$0$156,878,980
89$299,015,669$4,095,519$0$172,557,752
90$329,212,039$3,992,972$0$189,829,148
91$362,478,887$3,875,848$0$208,855,579
92$399,129,101$3,743,132$0$229,816,035
93$439,507,475$3,593,750$0$252,907,767
94$483,993,959$3,426,565$0$278,348,156
95$533,007,251$3,240,375$0$306,376,765
96$587,008,745$3,033,908$0$337,257,603
97$646,506,886$2,805,819$0$371,281,618
98$712,061,970$2,554,686$0$408,769,449
99$784,291,431$2,279,006$0$450,074,452
100$863,875,670$1,977,190$0$495,586,040