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

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 $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$177,545$175,964$174,421$172,915$171,444$166,893
2 years$87,894$86,257$84,670$83,132$81,640$77,087
3 years$58,014$56,370$54,787$53,263$51,796$47,383
4 years$43,077$41,438$39,871$38,373$36,941$32,702
5 years$34,117$32,488$30,942$29,474$28,082$24,029
6 years$28,145$26,529$25,005$23,571$22,220$18,357
7 years$23,882$22,279$20,780$19,379$18,071$14,398
8 years$20,686$19,097$17,623$16,257$14,992$11,507
9 years$18,201$16,627$15,178$13,847$12,625$9,325
10 years$16,215$14,656$13,233$11,936$10,757$7,638
11 years$14,590$13,048$11,650$10,388$9,252$6,308
12 years$13,238$11,711$10,339$9,112$8,017$5,245
13 years$12,094$10,583$9,237$8,044$6,991$4,384
14 years$11,115$9,620$8,300$7,141$6,128$3,680
15 years$10,267$8,788$7,494$6,368$5,396$3,100
16 years$9,525$8,063$6,794$5,702$4,769$2,619
17 years$8,872$7,425$6,182$5,123$4,229$2,218
18 years$8,292$6,861$5,644$4,617$3,760$1,883
19 years$7,773$6,359$5,166$4,172$3,351$1,601
20 years$7,307$5,909$4,742$3,779$2,993$1,363
21 years$6,886$5,504$4,361$3,429$2,679$1,162
22 years$6,504$5,138$4,020$3,118$2,401$991
23 years$6,155$4,805$3,711$2,840$2,155$846
24 years$5,836$4,502$3,432$2,590$1,937$723
25 years$5,543$4,225$3,179$2,365$1,743$619
26 years$5,273$3,971$2,948$2,163$1,570$529
27 years$5,023$3,737$2,738$1,980$1,416$453
28 years$4,792$3,522$2,545$1,814$1,277$388
29 years$4,577$3,322$2,369$1,663$1,153$332
30 years$4,376$3,137$2,206$1,526$1,042$285
31 years$4,189$2,966$2,057$1,402$942$244
32 years$4,014$2,806$1,919$1,288$852$209
33 years$3,850$2,658$1,792$1,185$771$179
34 years$3,696$2,519$1,674$1,090$698$154
35 years$3,551$2,389$1,565$1,003$633$132
36 years$3,415$2,268$1,464$924$573$113
37 years$3,286$2,154$1,370$852$519$97
38 years$3,164$2,047$1,283$785$471$83
39 years$3,049$1,946$1,202$724$427$72
40 years$2,939$1,852$1,127$667$387$61
41 years$2,836$1,763$1,057$616$351$53
42 years$2,737$1,679$991$568$319$45
43 years$2,644$1,599$930$525$289$39
44 years$2,555$1,525$873$484$263$33
45 years$2,470$1,454$820$447$238$29
46 years$2,389$1,387$770$413$217$25
47 years$2,311$1,324$723$382$197$21
48 years$2,237$1,264$680$353$179$18
49 years$2,167$1,207$639$326$162$15
50 years$2,099$1,153$601$301$147$13

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 $5,943 every year, while hoping to spend $20,710 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: 66/21/13 Blend
34$2,150,000$2,150,000$2,150,000$2,150,000
35$2,375,430$2,261,480$2,228,155$2,524,741
36$2,595,689$2,350,257$2,280,763$2,713,873
37$2,837,720$2,442,691$2,334,439$2,917,537
38$3,103,722$2,538,937$2,389,198$3,139,624
39$3,396,117$2,639,161$2,445,052$3,381,932
40$3,717,576$2,743,534$2,502,015$3,646,443
41$4,071,037$2,852,236$2,560,101$3,935,337
42$4,459,741$2,965,454$2,619,323$4,251,013
43$4,887,256$3,083,383$2,679,692$4,596,112
44$5,357,516$3,206,228$2,741,221$4,973,540
45$5,874,852$3,334,203$2,803,922$5,386,498
46$6,444,040$3,467,531$2,867,806$5,838,508
47$7,070,337$3,606,446$2,932,883$6,333,450
48$7,759,541$3,751,192$2,999,164$6,875,593
49$8,518,037$3,902,022$3,066,659$7,469,639
50$9,352,860$4,059,205$3,135,375$8,120,766
51$10,271,764$4,223,018$3,205,323$8,834,675
52$11,283,291$4,393,753$3,276,508$9,617,645
53$12,396,854$4,571,714$3,348,937$10,476,589
54$13,622,824$4,757,219$3,422,618$11,419,122
55$14,972,629$4,950,600$3,497,553$12,453,630
56$16,458,864$5,152,206$3,573,748$13,589,350
57$18,095,404$5,362,400$3,651,204$14,836,454
58$19,897,540$5,581,562$3,729,924$16,206,148
59$21,882,120$5,810,090$3,809,908$17,710,774
60$24,067,711$6,048,399$3,891,154$19,363,927
61$26,474,771$6,296,924$3,973,661$21,180,583
62$29,125,844$6,556,120$4,057,425$23,177,237
63$32,045,772$6,826,461$4,142,441$25,372,062
64$35,261,929$7,108,446$4,228,701$27,785,077
65$38,804,479$7,402,594$4,316,196$30,438,334
66$42,706,664$7,709,449$4,404,917$33,356,128
67$47,005,112$8,029,580$4,494,849$36,565,223
68$51,740,186$8,363,582$4,585,979$40,095,107
69$56,956,364$8,712,077$4,678,290$43,978,264
70$62,702,662$9,075,717$4,771,761$48,250,484
71$69,033,089$9,455,183$4,866,370$52,951,198
72$76,007,165$9,851,188$4,962,094$58,123,848
73$83,690,477$10,264,477$5,058,905$63,816,298
74$92,155,299$10,695,830$5,156,773$70,081,284
75$101,481,278$11,146,064$5,255,663$76,976,908
76$111,756,180$11,616,033$5,355,539$84,567,189
77$123,076,722$12,106,630$5,456,362$92,922,662
78$135,549,484$12,618,792$5,558,086$102,121,046
79$149,291,915$13,153,495$5,660,665$112,247,971
80$164,433,439$13,711,765$5,764,046$123,397,792
81$181,116,682$14,294,674$5,868,174$135,674,469
82$199,498,813$14,903,342$5,972,987$149,192,556
83$219,753,030$15,538,945$6,078,421$164,078,273
84$242,070,196$16,202,710$6,184,405$180,470,699
85$266,660,637$16,895,924$6,290,863$198,523,082
86$293,756,131$17,619,932$6,397,716$218,404,284
87$323,612,092$18,376,145$6,504,875$240,300,374
88$356,509,985$19,166,036$6,612,248$264,416,378
89$392,759,982$19,991,150$6,719,737$290,978,217
90$432,703,887$20,853,103$6,827,235$320,234,834
91$476,718,365$21,753,587$6,934,629$352,460,545
92$525,218,498$22,694,373$7,041,799$387,957,620
93$578,661,704$23,677,315$7,148,617$427,059,139
94$637,552,050$24,704,356$7,254,948$470,132,131
95$702,445,017$25,777,527$7,360,647$517,581,038
96$773,952,740$26,898,958$7,465,561$569,851,526
97$852,749,789$28,070,876$7,569,526$627,434,691
98$939,579,533$29,295,615$7,672,371$690,871,694
99$1,035,261,164$30,575,618$7,773,914$760,758,861
100$1,140,697,423$31,913,444$7,873,960$837,753,313