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%15.2%
1 years$178,371$176,782$175,232$173,719$172,241$168,557
2 years$88,302$86,658$85,064$83,519$82,020$78,326
3 years$58,283$56,632$55,042$53,511$52,037$48,448
4 years$43,277$41,630$40,057$38,552$37,113$33,658
5 years$34,275$32,639$31,085$29,611$28,213$24,901
6 years$28,276$26,652$25,122$23,681$22,324$19,158
7 years$23,993$22,382$20,876$19,469$18,155$15,137
8 years$20,782$19,186$17,705$16,332$15,061$12,190
9 years$18,286$16,705$15,249$13,911$12,684$9,956
10 years$16,290$14,724$13,294$11,992$10,807$8,221
11 years$14,658$13,108$11,704$10,436$9,295$6,846
12 years$13,299$11,765$10,387$9,154$8,055$5,741
13 years$12,150$10,632$9,280$8,082$7,024$4,840
14 years$11,166$9,664$8,338$7,174$6,157$4,099
15 years$10,314$8,829$7,528$6,398$5,421$3,485
16 years$9,570$8,100$6,826$5,729$4,791$2,972
17 years$8,913$7,460$6,211$5,147$4,248$2,541
18 years$8,330$6,893$5,670$4,639$3,777$2,177
19 years$7,809$6,389$5,191$4,191$3,367$1,869
20 years$7,341$5,937$4,764$3,796$3,007$1,607
21 years$6,918$5,530$4,382$3,445$2,691$1,383
22 years$6,534$5,162$4,038$3,133$2,412$1,192
23 years$6,184$4,828$3,729$2,853$2,165$1,029
24 years$5,863$4,523$3,448$2,602$1,946$888
25 years$5,569$4,245$3,194$2,376$1,751$768
26 years$5,297$3,990$2,962$2,173$1,578$664
27 years$5,047$3,755$2,751$1,989$1,422$574
28 years$4,814$3,538$2,557$1,822$1,283$497
29 years$4,598$3,338$2,380$1,671$1,159$430
30 years$4,397$3,152$2,216$1,533$1,047$373
31 years$4,209$2,980$2,066$1,408$947$323
32 years$4,033$2,819$1,928$1,294$856$280
33 years$3,868$2,670$1,800$1,190$775$243
34 years$3,713$2,531$1,682$1,095$702$210
35 years$3,568$2,400$1,573$1,008$636$182
36 years$3,431$2,278$1,471$928$576$158
37 years$3,301$2,164$1,377$855$522$137
38 years$3,179$2,056$1,289$788$473$119
39 years$3,063$1,955$1,208$727$429$103
40 years$2,953$1,860$1,132$671$389$90
41 years$2,849$1,771$1,062$619$353$78
42 years$2,750$1,687$996$571$320$67
43 years$2,656$1,607$935$527$291$58
44 years$2,566$1,532$877$487$264$51
45 years$2,481$1,461$824$449$240$44
46 years$2,400$1,393$774$415$218$38
47 years$2,322$1,330$727$384$198$33
48 years$2,248$1,269$683$354$179$29
49 years$2,177$1,212$642$328$163$25
50 years$2,109$1,158$604$303$148$22

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 $2,656 every year, while hoping to spend $55,255 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: 71/7/22 Blend
34$2,160,000$2,160,000$2,160,000$2,160,000
35$2,383,060$2,268,580$2,235,100$2,539,102
36$2,567,341$2,320,949$2,251,185$2,695,911
37$2,768,567$2,374,033$2,265,956$2,860,765
38$2,988,408$2,427,807$2,279,313$3,039,917
39$3,228,702$2,482,247$2,291,146$3,234,780
40$3,491,473$2,537,321$2,301,344$3,446,909
41$3,778,951$2,592,997$2,309,786$3,678,020
42$4,093,589$2,649,239$2,316,349$3,930,001
43$4,438,089$2,706,006$2,320,901$4,204,934
44$4,815,428$2,763,253$2,323,305$4,505,113
45$5,228,882$2,820,933$2,323,415$4,833,065
46$5,682,059$2,878,990$2,321,082$5,191,577
47$6,178,936$2,937,367$2,316,144$5,583,717
48$6,723,889$2,996,000$2,308,437$6,012,869
49$7,321,740$3,054,818$2,297,784$6,482,761
50$7,977,801$3,113,748$2,284,003$6,997,500
51$8,697,921$3,172,706$2,266,902$7,561,615
52$9,488,544$3,231,604$2,246,278$8,180,096
53$10,356,769$3,290,346$2,221,922$8,858,441
54$11,310,416$3,348,829$2,193,613$9,602,712
55$12,358,098$3,406,941$2,161,118$10,419,588
56$13,509,305$3,464,563$2,124,197$11,316,429
57$14,774,492$3,521,564$2,082,595$12,301,350
58$16,165,176$3,577,806$2,036,048$13,383,291
59$17,694,045$3,633,140$1,984,277$14,572,106
60$19,375,081$3,687,407$1,926,993$15,878,656
61$21,223,683$3,740,434$1,863,891$17,314,911
62$23,256,822$3,792,038$1,794,655$18,894,060
63$25,493,192$3,842,023$1,718,951$20,630,645
64$27,953,395$3,890,179$1,636,432$22,540,686
65$30,660,124$3,936,281$1,546,736$24,641,844
66$33,638,388$3,980,090$1,449,483$26,953,580
67$36,915,739$4,021,350$1,344,276$29,497,345
68$40,522,536$4,059,788$1,230,701$32,296,777
69$44,492,231$4,095,113$1,108,325$35,377,930
70$48,861,681$4,127,016$976,696$38,769,518
71$53,671,498$4,155,166$835,342$42,503,186
72$58,966,434$4,179,212$683,769$46,613,808
73$64,795,797$4,198,780$521,462$51,139,822
74$71,213,921$4,213,473$347,884$56,123,589
75$78,280,676$4,222,868$162,473$61,611,793
76$86,062,032$4,226,515$0$67,655,885
77$94,630,683$4,223,939$0$74,320,878
78$104,066,732$4,214,631$0$81,702,196
79$114,458,445$4,198,054$0$89,830,681
80$125,903,086$4,173,638$0$98,782,391
81$138,507,831$4,140,777$0$108,641,137
82$152,390,783$4,098,828$0$119,499,278
83$167,682,083$4,047,111$0$131,458,588
84$184,525,140$3,984,904$0$144,631,218
85$203,077,983$3,911,442$0$159,140,756
86$223,514,751$3,825,917$0$175,123,392
87$246,027,338$3,727,469$0$192,729,203
88$270,827,202$3,615,191$0$212,123,570
89$298,147,363$3,488,121$0$233,488,740
90$328,244,597$3,345,243$0$257,025,545
91$361,401,864$3,185,478$0$282,955,298
92$397,930,977$3,007,689$0$311,521,881
93$438,175,542$2,810,671$0$342,994,051
94$482,514,204$2,593,151$0$377,667,971
95$531,364,220$2,353,782$0$415,870,010
96$585,185,395$2,091,142$0$457,959,824
97$644,484,423$1,803,726$0$504,333,748
98$709,819,671$1,489,945$0$555,428,542
99$781,806,446$1,148,121$0$611,725,508
100$861,122,805$776,480$0$673,755,040