Can I retire at age 35 with 2,150,000?

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 $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$177,545$175,964$174,421$172,915$171,444$166,624
2 years$87,894$86,257$84,670$83,132$81,640$76,821
3 years$58,014$56,370$54,787$53,263$51,796$47,128
4 years$43,077$41,438$39,871$38,373$36,941$32,461
5 years$34,117$32,488$30,942$29,474$28,082$23,802
6 years$28,145$26,529$25,005$23,571$22,220$18,144
7 years$23,882$22,279$20,780$19,379$18,071$14,198
8 years$20,686$19,097$17,623$16,257$14,992$11,320
9 years$18,201$16,627$15,178$13,847$12,625$9,152
10 years$16,215$14,656$13,233$11,936$10,757$7,477
11 years$14,590$13,048$11,650$10,388$9,252$6,160
12 years$13,238$11,711$10,339$9,112$8,017$5,108
13 years$12,094$10,583$9,237$8,044$6,991$4,258
14 years$11,115$9,620$8,300$7,141$6,128$3,564
15 years$10,267$8,788$7,494$6,368$5,396$2,994
16 years$9,525$8,063$6,794$5,702$4,769$2,523
17 years$8,872$7,425$6,182$5,123$4,229$2,130
18 years$8,292$6,861$5,644$4,617$3,760$1,803
19 years$7,773$6,359$5,166$4,172$3,351$1,528
20 years$7,307$5,909$4,742$3,779$2,993$1,297
21 years$6,886$5,504$4,361$3,429$2,679$1,102
22 years$6,504$5,138$4,020$3,118$2,401$937
23 years$6,155$4,805$3,711$2,840$2,155$798
24 years$5,836$4,502$3,432$2,590$1,937$680
25 years$5,543$4,225$3,179$2,365$1,743$580
26 years$5,273$3,971$2,948$2,163$1,570$494
27 years$5,023$3,737$2,738$1,980$1,416$422
28 years$4,792$3,522$2,545$1,814$1,277$360
29 years$4,577$3,322$2,369$1,663$1,153$307
30 years$4,376$3,137$2,206$1,526$1,042$263
31 years$4,189$2,966$2,057$1,402$942$224
32 years$4,014$2,806$1,919$1,288$852$192
33 years$3,850$2,658$1,792$1,185$771$164
34 years$3,696$2,519$1,674$1,090$698$140
35 years$3,551$2,389$1,565$1,003$633$120
36 years$3,415$2,268$1,464$924$573$102
37 years$3,286$2,154$1,370$852$519$87
38 years$3,164$2,047$1,283$785$471$75
39 years$3,049$1,946$1,202$724$427$64
40 years$2,939$1,852$1,127$667$387$55
41 years$2,836$1,763$1,057$616$351$47
42 years$2,737$1,679$991$568$319$40
43 years$2,644$1,599$930$525$289$34
44 years$2,555$1,525$873$484$263$29
45 years$2,470$1,454$820$447$238$25
46 years$2,389$1,387$770$413$217$21
47 years$2,311$1,324$723$382$197$18
48 years$2,237$1,264$680$353$179$16
49 years$2,167$1,207$639$326$162$13
50 years$2,099$1,153$601$301$147$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,150,000, adding $6,093 every year, while hoping to spend $33,905 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: 67/28/5 Blend
34$2,150,000$2,150,000$2,150,000$2,150,000
35$2,375,585$2,261,635$2,228,310$2,532,898
36$2,581,820$2,336,380$2,266,884$2,712,665
37$2,807,955$2,413,652$2,305,613$2,904,421
38$3,055,983$2,493,538$2,344,468$3,113,121
39$3,328,101$2,576,129$2,383,416$3,340,409
40$3,626,728$2,661,520$2,422,421$3,588,098
41$3,954,528$2,749,809$2,461,446$3,858,183
42$4,314,437$2,841,096$2,500,452$4,152,858
43$4,709,688$2,935,489$2,539,395$4,474,539
44$5,143,843$3,033,094$2,578,231$4,825,887
45$5,620,825$3,134,026$2,616,912$5,209,828
46$6,144,957$3,238,401$2,655,387$5,629,587
47$6,721,001$3,346,341$2,693,601$6,088,712
48$7,354,204$3,457,972$2,731,497$6,591,111
49$8,050,344$3,573,424$2,769,013$7,141,086
50$8,815,790$3,692,833$2,806,086$7,743,377
51$9,657,557$3,816,338$2,842,646$8,403,199
52$10,583,375$3,944,086$2,878,622$9,126,300
53$11,601,759$4,076,226$2,913,936$9,919,008
54$12,722,094$4,212,917$2,948,509$10,788,292
55$13,954,717$4,354,319$2,982,253$11,741,830
56$15,311,019$4,500,602$3,015,079$12,788,076
57$16,803,551$4,651,939$3,046,893$13,936,344
58$18,446,142$4,808,513$3,077,592$15,196,892
59$20,254,029$4,970,510$3,107,071$16,581,020
60$22,244,001$5,138,126$3,135,219$18,101,177
61$24,434,558$5,311,563$3,161,918$19,771,075
62$26,846,084$5,491,032$3,187,044$21,605,820
63$29,501,042$5,676,749$3,210,467$23,622,053
64$32,424,179$5,868,941$3,232,049$25,838,108
65$35,642,768$6,067,842$3,251,646$28,274,182
66$39,186,861$6,273,696$3,269,106$30,952,527
67$43,089,569$6,486,756$3,284,269$33,897,658
68$47,387,382$6,707,283$3,296,969$37,136,583
69$52,120,505$6,935,551$3,307,028$40,699,061
70$57,333,246$7,171,842$3,314,262$44,617,877
71$63,074,423$7,416,448$3,318,477$48,929,155
72$69,397,837$7,669,677$3,319,468$53,672,695
73$76,362,767$7,931,842$3,317,021$58,892,350
74$84,034,541$8,203,274$3,310,913$64,636,436
75$92,485,143$8,484,313$3,300,908$70,958,193
76$101,793,898$8,775,314$3,286,758$77,916,279
77$112,048,216$9,076,646$3,268,205$85,575,330
78$123,344,422$9,388,689$3,244,978$94,006,563
79$135,788,661$9,711,843$3,216,792$103,288,453
80$149,497,900$10,046,519$3,183,350$113,507,466
81$164,601,033$10,393,146$3,144,340$124,758,882
82$181,240,098$10,752,169$3,099,435$137,147,685
83$199,571,615$11,124,053$3,048,293$150,789,560
84$219,768,065$11,509,276$2,990,556$165,811,981
85$242,019,518$11,908,341$2,925,850$182,355,409
86$266,535,425$12,321,765$2,853,782$200,574,626
87$293,546,596$12,750,090$2,773,942$220,640,184
88$323,307,381$13,193,876$2,685,900$242,740,024
89$356,098,065$13,653,708$2,589,209$267,081,240
90$392,227,519$14,130,191$2,483,399$293,892,038
91$432,036,112$14,623,956$2,367,979$323,423,887
92$475,898,925$15,135,659$2,242,436$355,953,890
93$524,229,291$15,665,983$2,106,234$391,787,402
94$577,482,698$16,215,635$1,958,812$431,260,906
95$636,161,086$16,785,355$1,799,585$474,745,192
96$700,817,588$17,375,907$1,627,942$522,648,854
97$772,061,746$17,988,091$1,443,242$575,422,144
98$850,565,273$18,622,737$1,244,820$633,561,223
99$937,068,386$19,280,706$1,031,977$697,612,843
100$1,032,386,799$19,962,898$803,985$768,179,503