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%19.5%
1 years$178,371$176,782$175,232$173,719$172,241$165,669
2 years$88,302$86,658$85,064$83,519$82,020$75,476
3 years$58,283$56,632$55,042$53,511$52,037$45,727
4 years$43,277$41,630$40,057$38,552$37,113$31,085
5 years$34,275$32,639$31,085$29,611$28,213$22,483
6 years$28,276$26,652$25,122$23,681$22,324$16,895
7 years$23,993$22,382$20,876$19,469$18,155$13,027
8 years$20,782$19,186$17,705$16,332$15,061$10,228
9 years$18,286$16,705$15,249$13,911$12,684$8,138
10 years$16,290$14,724$13,294$11,992$10,807$6,542
11 years$14,658$13,108$11,704$10,436$9,295$5,299
12 years$13,299$11,765$10,387$9,154$8,055$4,319
13 years$12,150$10,632$9,280$8,082$7,024$3,537
14 years$11,166$9,664$8,338$7,174$6,157$2,908
15 years$10,314$8,829$7,528$6,398$5,421$2,398
16 years$9,570$8,100$6,826$5,729$4,791$1,983
17 years$8,913$7,460$6,211$5,147$4,248$1,643
18 years$8,330$6,893$5,670$4,639$3,777$1,363
19 years$7,809$6,389$5,191$4,191$3,367$1,133
20 years$7,341$5,937$4,764$3,796$3,007$943
21 years$6,918$5,530$4,382$3,445$2,691$785
22 years$6,534$5,162$4,038$3,133$2,412$654
23 years$6,184$4,828$3,729$2,853$2,165$546
24 years$5,863$4,523$3,448$2,602$1,946$456
25 years$5,569$4,245$3,194$2,376$1,751$380
26 years$5,297$3,990$2,962$2,173$1,578$318
27 years$5,047$3,755$2,751$1,989$1,422$265
28 years$4,814$3,538$2,557$1,822$1,283$222
29 years$4,598$3,338$2,380$1,671$1,159$185
30 years$4,397$3,152$2,216$1,533$1,047$155
31 years$4,209$2,980$2,066$1,408$947$130
32 years$4,033$2,819$1,928$1,294$856$108
33 years$3,868$2,670$1,800$1,190$775$91
34 years$3,713$2,531$1,682$1,095$702$76
35 years$3,568$2,400$1,573$1,008$636$63
36 years$3,431$2,278$1,471$928$576$53
37 years$3,301$2,164$1,377$855$522$44
38 years$3,179$2,056$1,289$788$473$37
39 years$3,063$1,955$1,208$727$429$31
40 years$2,953$1,860$1,132$671$389$26
41 years$2,849$1,771$1,062$619$353$22
42 years$2,750$1,687$996$571$320$18
43 years$2,656$1,607$935$527$291$15
44 years$2,566$1,532$877$487$264$13
45 years$2,481$1,461$824$449$240$11
46 years$2,400$1,393$774$415$218$9
47 years$2,322$1,330$727$384$198$7
48 years$2,248$1,269$683$354$179$6
49 years$2,177$1,212$642$328$163$5
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 $3,736 every year, while hoping to spend $54,589 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: 74/14/12 Blend
34$2,160,000$2,160,000$2,160,000$2,160,000
35$2,384,174$2,269,694$2,236,214$2,554,576
36$2,569,277$2,322,826$2,253,045$2,720,763
37$2,771,432$2,376,733$2,268,610$2,895,621
38$2,992,318$2,431,394$2,282,809$3,085,701
39$3,233,789$2,486,786$2,295,537$3,292,497
40$3,497,882$2,542,885$2,306,684$3,517,654
41$3,786,841$2,599,662$2,316,133$3,762,983
42$4,103,137$2,657,083$2,323,762$4,030,480
43$4,449,492$2,715,115$2,329,443$4,322,343
44$4,828,902$2,773,717$2,333,041$4,640,993
45$5,244,666$2,832,846$2,334,414$4,989,097
46$5,700,420$2,892,454$2,333,415$5,369,595
47$6,200,166$2,952,487$2,329,888$5,785,722
48$6,748,313$3,012,889$2,323,669$6,241,046
49$7,349,716$3,073,596$2,314,587$6,739,497
50$8,009,724$3,134,539$2,302,463$7,285,403
51$8,734,229$3,195,644$2,287,108$7,883,536
52$9,529,720$3,256,830$2,268,325$8,539,150
53$10,403,345$3,318,009$2,245,908$9,258,039
54$11,362,981$3,379,086$2,219,641$10,046,582
55$12,417,302$3,439,958$2,189,296$10,911,812
56$13,575,866$3,500,515$2,154,636$11,861,477
57$14,849,201$3,560,637$2,115,413$12,904,116
58$16,248,907$3,620,196$2,071,367$14,049,135
59$17,787,763$3,679,053$2,022,226$15,306,904
60$19,479,849$3,737,061$1,967,705$16,688,846
61$21,340,677$3,794,060$1,907,505$18,207,551
62$23,387,336$3,849,879$1,841,317$19,876,893
63$25,638,656$3,904,335$1,768,813$21,712,159
64$28,115,385$3,957,233$1,689,654$23,730,197
65$30,840,379$4,008,363$1,603,483$25,949,574
66$33,838,826$4,057,500$1,509,927$28,390,750
67$37,138,475$4,104,406$1,408,598$31,076,270
68$40,769,903$4,148,826$1,299,090$34,030,982
69$44,766,800$4,190,486$1,180,977$37,282,269
70$49,166,290$4,229,096$1,053,816$40,860,304
71$54,009,276$4,264,346$917,144$44,798,342
72$59,340,830$4,295,906$770,475$49,133,031
73$65,210,614$4,323,425$613,305$53,904,754
74$71,673,352$4,346,529$445,106$59,158,018
75$78,789,344$4,364,818$265,328$64,941,870
76$86,625,034$4,377,872$73,393$71,310,362
77$95,253,639$4,385,239$0$78,323,059
78$104,755,836$4,386,442$0$86,062,435
79$115,220,527$4,380,973$0$94,595,124
80$126,745,673$4,368,293$0$103,991,527
81$139,439,223$4,347,831$0$114,339,588
82$153,420,128$4,318,979$0$125,736,221
83$168,819,465$4,281,093$0$138,288,222
84$185,781,676$4,233,491$0$152,113,279
85$204,465,924$4,175,450$0$167,341,080
86$225,047,603$4,106,202$0$184,114,543
87$247,719,987$4,024,934$0$202,591,159
88$272,696,057$3,930,787$0$222,944,483
89$300,210,507$3,822,848$0$245,365,769
90$330,521,964$3,700,153$0$270,065,781
91$363,915,424$3,561,680$0$297,276,776
92$400,704,945$3,406,350$0$327,254,703
93$441,236,606$3,233,017$0$360,281,614
94$485,891,778$3,040,474$0$396,668,334
95$535,090,723$2,827,441$0$436,757,387
96$589,296,557$2,592,565$0$480,926,237
97$649,019,623$2,334,418$0$529,590,849
98$714,822,308$2,051,489$0$583,209,615
99$787,324,353$1,742,180$0$642,287,685
100$867,208,695$1,404,806$0$707,381,736