Can I retire at age 35 with 2,160,000?

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 $2,160,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$178,371$176,782$175,232$173,719$172,241$165,342
2 years$88,302$86,658$85,064$83,519$82,020$75,156
3 years$58,283$56,632$55,042$53,511$52,037$45,424
4 years$43,277$41,630$40,057$38,552$37,113$30,801
5 years$34,275$32,639$31,085$29,611$28,213$22,219
6 years$28,276$26,652$25,122$23,681$22,324$16,651
7 years$23,993$22,382$20,876$19,469$18,155$12,801
8 years$20,782$19,186$17,705$16,332$15,061$10,021
9 years$18,286$16,705$15,249$13,911$12,684$7,950
10 years$16,290$14,724$13,294$11,992$10,807$6,369
11 years$14,658$13,108$11,704$10,436$9,295$5,143
12 years$13,299$11,765$10,387$9,154$8,055$4,177
13 years$12,150$10,632$9,280$8,082$7,024$3,409
14 years$11,166$9,664$8,338$7,174$6,157$2,793
15 years$10,314$8,829$7,528$6,398$5,421$2,295
16 years$9,570$8,100$6,826$5,729$4,791$1,891
17 years$8,913$7,460$6,211$5,147$4,248$1,561
18 years$8,330$6,893$5,670$4,639$3,777$1,291
19 years$7,809$6,389$5,191$4,191$3,367$1,069
20 years$7,341$5,937$4,764$3,796$3,007$886
21 years$6,918$5,530$4,382$3,445$2,691$735
22 years$6,534$5,162$4,038$3,133$2,412$610
23 years$6,184$4,828$3,729$2,853$2,165$507
24 years$5,863$4,523$3,448$2,602$1,946$421
25 years$5,569$4,245$3,194$2,376$1,751$350
26 years$5,297$3,990$2,962$2,173$1,578$291
27 years$5,047$3,755$2,751$1,989$1,422$242
28 years$4,814$3,538$2,557$1,822$1,283$202
29 years$4,598$3,338$2,380$1,671$1,159$168
30 years$4,397$3,152$2,216$1,533$1,047$140
31 years$4,209$2,980$2,066$1,408$947$116
32 years$4,033$2,819$1,928$1,294$856$97
33 years$3,868$2,670$1,800$1,190$775$81
34 years$3,713$2,531$1,682$1,095$702$67
35 years$3,568$2,400$1,573$1,008$636$56
36 years$3,431$2,278$1,471$928$576$47
37 years$3,301$2,164$1,377$855$522$39
38 years$3,179$2,056$1,289$788$473$32
39 years$3,063$1,955$1,208$727$429$27
40 years$2,953$1,860$1,132$671$389$23
41 years$2,849$1,771$1,062$619$353$19
42 years$2,750$1,687$996$571$320$16
43 years$2,656$1,607$935$527$291$13
44 years$2,566$1,532$877$487$264$11
45 years$2,481$1,461$824$449$240$9
46 years$2,400$1,393$774$415$218$8
47 years$2,322$1,330$727$384$198$6
48 years$2,248$1,269$683$354$179$5
49 years$2,177$1,212$642$328$163$4
50 years$2,109$1,158$604$303$148$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,160,000, adding $4,477 every year, while hoping to spend $34,978 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: 35/35/30 Blend
34$2,160,000$2,160,000$2,160,000$2,160,000
35$2,384,938$2,270,458$2,236,978$2,446,754
36$2,590,985$2,344,494$2,274,700$2,567,736
37$2,816,877$2,420,986$2,312,514$2,694,744
38$3,064,601$2,500,016$2,350,386$2,831,125
39$3,336,345$2,581,672$2,388,278$2,977,744
40$3,634,520$2,666,042$2,426,154$3,135,551
41$3,961,782$2,753,219$2,463,971$3,305,592
42$4,321,056$2,843,299$2,501,686$3,489,016
43$4,715,564$2,936,380$2,539,253$3,687,089
44$5,148,855$3,032,566$2,576,621$3,901,201
45$5,624,839$3,131,963$2,613,739$4,132,885
46$6,147,824$3,234,680$2,650,550$4,383,824
47$6,722,554$3,340,832$2,686,996$4,655,872
48$7,354,259$3,450,537$2,723,014$4,951,069
49$8,048,696$3,563,916$2,758,538$5,271,662
50$8,812,211$3,681,096$2,793,497$5,620,122
51$9,651,795$3,802,208$2,827,818$5,999,171
52$10,575,150$3,927,389$2,861,422$6,411,805
53$11,590,762$4,056,777$2,894,226$6,861,323
54$12,707,980$4,190,519$2,926,143$7,351,358
55$13,937,105$4,328,766$2,957,080$7,885,910
56$15,289,488$4,471,674$2,986,940$8,469,384
57$16,777,634$4,619,404$3,015,621$9,106,631
58$18,415,322$4,772,124$3,043,014$9,802,993
59$20,217,736$4,930,009$3,069,005$10,564,356
60$22,201,602$5,093,237$3,093,475$11,397,200
61$24,385,356$5,261,996$3,116,296$12,308,664
62$26,789,307$5,436,478$3,137,337$13,306,613
63$29,435,835$5,616,885$3,156,456$14,399,708
64$32,349,601$5,803,423$3,173,508$15,597,493
65$35,557,777$5,996,307$3,188,338$16,910,477
66$39,090,306$6,195,761$3,200,782$18,350,243
67$42,980,179$6,402,016$3,210,671$19,929,547
68$47,263,754$6,615,311$3,217,825$21,662,444
69$51,981,091$6,835,896$3,222,056$23,564,419
70$57,176,334$7,064,026$3,223,166$25,652,531
71$62,898,126$7,299,969$3,220,949$27,945,577
72$69,200,070$7,544,003$3,215,186$30,464,266
73$76,141,232$7,796,414$3,205,649$33,231,413
74$83,786,699$8,057,500$3,192,100$36,272,159
75$92,208,195$8,327,570$3,174,287$39,614,202
76$101,484,753$8,606,943$3,151,948$43,288,064
77$111,703,467$8,895,952$3,124,808$47,327,372
78$122,960,309$9,194,942$3,092,577$51,769,179
79$135,361,036$9,504,270$3,054,954$56,654,316
80$149,022,188$9,824,306$3,011,621$62,027,768
81$164,072,190$10,155,435$2,962,249$67,939,108
82$180,652,558$10,498,056$2,906,489$74,442,959
83$198,919,241$10,852,583$2,843,979$81,599,509
84$219,044,090$11,219,446$2,774,339$89,475,082
85$241,216,479$11,599,090$2,697,170$98,142,759
86$265,645,093$11,991,979$2,612,059$107,683,073
87$292,559,898$12,398,592$2,518,569$118,184,763
88$322,214,313$12,819,428$2,416,245$129,745,613
89$354,887,596$13,255,003$2,304,613$142,473,379
90$390,887,489$13,705,856$2,183,176$156,486,798
91$430,553,113$14,172,543$2,051,412$171,916,713
92$474,258,176$14,655,644$1,908,781$188,907,310
93$522,414,499$15,155,759$1,754,713$207,617,471
94$575,475,898$15,673,512$1,588,617$228,222,280
95$633,942,477$16,209,551$1,409,873$250,914,672
96$698,365,341$16,764,550$1,217,834$275,907,256
97$769,351,799$17,339,206$1,011,825$303,434,319
98$847,571,101$17,934,247$791,140$333,754,039
99$933,760,753$18,550,424$555,043$367,150,920
100$1,028,733,478$19,188,523$302,765$403,938,479