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

Use the below retirement simulation to view the chances of a successful retirement.
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%12.4%
1 years$176,719$175,145$173,609$172,110$170,647$168,935
2 years$87,485$85,855$84,276$82,745$81,260$79,536
3 years$57,744$56,107$54,532$53,016$51,555$49,872
4 years$42,876$41,245$39,686$38,195$36,769$35,140
5 years$33,958$32,337$30,798$29,337$27,951$26,382
6 years$28,015$26,405$24,889$23,461$22,117$20,608
7 years$23,771$22,175$20,683$19,289$17,987$16,539
8 years$20,590$19,008$17,541$16,181$14,922$13,536
9 years$18,116$16,550$15,108$13,783$12,567$11,241
10 years$16,139$14,588$13,171$11,881$10,707$9,442
11 years$14,522$12,987$11,596$10,340$9,209$8,002
12 years$13,176$11,656$10,291$9,069$7,980$6,832
13 years$12,038$10,534$9,194$8,007$6,959$5,867
14 years$11,063$9,575$8,261$7,108$6,100$5,063
15 years$10,219$8,747$7,459$6,339$5,371$4,388
16 years$9,481$8,025$6,762$5,676$4,747$3,815
17 years$8,831$7,391$6,154$5,100$4,209$3,328
18 years$8,253$6,829$5,617$4,596$3,742$2,910
19 years$7,737$6,330$5,142$4,153$3,336$2,550
20 years$7,273$5,882$4,719$3,761$2,979$2,238
21 years$6,854$5,479$4,341$3,413$2,666$1,968
22 years$6,473$5,114$4,001$3,104$2,390$1,733
23 years$6,127$4,783$3,694$2,826$2,145$1,528
24 years$5,809$4,481$3,416$2,578$1,928$1,348
25 years$5,517$4,206$3,164$2,354$1,735$1,191
26 years$5,248$3,953$2,935$2,153$1,563$1,053
27 years$5,000$3,720$2,725$1,970$1,409$932
28 years$4,770$3,505$2,533$1,805$1,271$825
29 years$4,556$3,307$2,358$1,655$1,148$731
30 years$4,356$3,123$2,196$1,519$1,037$648
31 years$4,170$2,952$2,047$1,395$938$574
32 years$3,996$2,793$1,910$1,282$848$509
33 years$3,832$2,645$1,783$1,179$768$452
34 years$3,679$2,507$1,666$1,085$695$401
35 years$3,535$2,378$1,558$999$630$356
36 years$3,399$2,257$1,457$920$570$316
37 years$3,271$2,144$1,364$848$517$281
38 years$3,149$2,037$1,277$781$469$250
39 years$3,034$1,937$1,197$720$425$222
40 years$2,926$1,843$1,122$664$386$197
41 years$2,823$1,754$1,052$613$350$175
42 years$2,725$1,671$987$566$317$156
43 years$2,631$1,592$926$522$288$138
44 years$2,543$1,518$869$482$261$123
45 years$2,458$1,447$816$445$237$109
46 years$2,377$1,381$766$411$216$97
47 years$2,301$1,317$720$380$196$86
48 years$2,227$1,258$677$351$178$77
49 years$2,157$1,201$636$325$161$68
50 years$2,089$1,147$598$300$147$61

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 $2,513 every year, while hoping to spend $54,468 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: 84/5/11 Blend
34$2,140,000$2,140,000$2,140,000$2,140,000
35$2,360,872$2,247,452$2,214,282$2,554,784
36$2,543,728$2,299,624$2,230,507$2,734,189
37$2,743,409$2,352,526$2,245,450$2,923,671
38$2,961,574$2,406,138$2,259,010$3,130,149
39$3,200,050$2,460,434$2,271,083$3,355,300
40$3,460,848$2,515,388$2,281,556$3,600,972
41$3,746,179$2,570,967$2,290,314$3,869,198
42$4,058,483$2,627,138$2,297,233$4,162,220
43$4,400,443$2,683,862$2,302,185$4,482,506
44$4,775,015$2,741,098$2,305,034$4,832,774
45$5,185,453$2,798,799$2,305,640$5,216,018
46$5,635,343$2,856,914$2,303,852$5,635,539
47$6,128,633$2,915,387$2,299,516$6,094,969
48$6,669,670$2,974,157$2,292,466$6,598,313
49$7,263,244$3,033,159$2,282,532$7,149,982
50$7,914,630$3,092,319$2,269,532$7,754,833
51$8,629,640$3,151,561$2,253,279$8,418,222
52$9,414,675$3,210,798$2,233,575$9,146,046
53$10,276,784$3,269,939$2,210,212$9,944,805
54$11,223,735$3,328,886$2,182,974$10,821,658
55$12,264,085$3,387,530$2,151,632$11,784,495
56$13,407,260$3,445,757$2,115,950$12,842,009
57$14,663,645$3,503,443$2,075,678$14,003,777
58$16,044,679$3,560,454$2,030,556$15,280,355
59$17,562,967$3,616,647$1,980,310$16,683,371
60$19,232,394$3,671,868$1,924,656$18,225,638
61$21,068,261$3,725,952$1,863,294$19,921,276
62$23,087,422$3,778,722$1,795,913$21,785,845
63$25,308,449$3,829,989$1,722,186$23,836,487
64$27,751,803$3,879,551$1,641,771$26,092,096
65$30,440,028$3,927,191$1,554,312$28,573,488
66$33,397,965$3,972,677$1,459,436$31,303,603
67$36,652,983$4,015,764$1,356,753$34,307,720
68$40,235,238$4,056,187$1,245,855$37,613,693
69$44,177,959$4,093,666$1,126,317$41,252,218
70$48,517,756$4,127,902$997,694$45,257,122
71$53,294,973$4,158,575$859,522$49,665,678
72$58,554,061$4,185,345$711,317$54,518,962
73$64,344,000$4,207,852$552,571$59,862,238
74$70,718,762$4,225,711$382,756$65,745,387
75$77,737,817$4,238,512$201,320$72,223,375
76$85,466,697$4,245,822$7,686$79,356,777
77$93,977,610$4,247,177$0$87,212,341
78$103,350,126$4,242,089$0$95,886,980
79$113,671,923$4,230,035$0$105,440,881
80$125,039,616$4,210,463$0$115,962,549
81$137,559,668$4,182,787$0$127,550,503
82$151,349,394$4,146,384$0$140,313,306
83$166,538,070$4,100,595$0$154,370,592
84$183,268,148$4,044,719$0$169,854,189
85$201,696,605$3,978,016$0$186,909,367
86$221,996,421$3,899,701$0$205,696,210
87$244,358,210$3,808,941$0$226,391,123
88$268,992,024$3,704,855$0$249,188,499
89$296,129,330$3,586,512$0$274,302,552
90$326,025,194$3,452,924$0$301,969,342
91$358,960,693$3,303,046$0$332,449,001
92$395,245,561$3,135,773$0$366,028,184
93$435,221,119$2,949,937$0$403,022,785
94$479,263,490$2,744,300$0$443,780,907
95$527,787,152$2,517,557$0$488,686,157
96$581,248,849$2,268,325$0$538,161,260
97$640,151,903$1,995,144$0$592,672,054
98$705,050,962$1,696,471$0$652,731,884
99$776,557,237$1,370,675$0$718,906,452
100$855,344,271$1,016,034$0$791,819,151