Can I retire at age 35 with 2,180,000?

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 $2,180,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$180,022$178,419$176,854$175,327$173,836$167,005
2 years$89,120$87,460$85,852$84,292$82,779$75,980
3 years$58,823$57,156$55,552$54,007$52,519$45,966
4 years$43,678$42,016$40,427$38,909$37,457$31,201
5 years$34,593$32,941$31,373$29,886$28,474$22,531
6 years$28,538$26,899$25,354$23,900$22,530$16,903
7 years$24,215$22,590$21,070$19,649$18,323$13,010
8 years$20,974$19,363$17,869$16,483$15,201$10,197
9 years$18,455$16,859$15,390$14,040$12,801$8,099
10 years$16,441$14,861$13,418$12,103$10,907$6,497
11 years$14,794$13,230$11,813$10,533$9,381$5,253
12 years$13,422$11,874$10,483$9,239$8,129$4,273
13 years$12,263$10,731$9,366$8,157$7,089$3,492
14 years$11,270$9,754$8,416$7,240$6,214$2,865
15 years$10,410$8,910$7,598$6,457$5,471$2,357
16 years$9,658$8,175$6,889$5,782$4,836$1,945
17 years$8,996$7,529$6,269$5,195$4,288$1,608
18 years$8,407$6,957$5,722$4,682$3,812$1,331
19 years$7,882$6,448$5,239$4,230$3,398$1,104
20 years$7,409$5,992$4,808$3,831$3,035$916
21 years$6,982$5,581$4,422$3,477$2,716$762
22 years$6,594$5,210$4,076$3,162$2,435$633
23 years$6,241$4,872$3,763$2,879$2,185$527
24 years$5,918$4,565$3,480$2,626$1,964$439
25 years$5,620$4,284$3,223$2,398$1,768$365
26 years$5,347$4,026$2,990$2,193$1,592$304
27 years$5,093$3,789$2,776$2,007$1,435$254
28 years$4,859$3,571$2,581$1,839$1,295$212
29 years$4,641$3,369$2,402$1,686$1,170$176
30 years$4,438$3,181$2,237$1,548$1,057$147
31 years$4,248$3,007$2,086$1,421$955$123
32 years$4,070$2,846$1,946$1,306$864$102
33 years$3,904$2,695$1,817$1,201$782$85
34 years$3,748$2,554$1,698$1,105$708$71
35 years$3,601$2,422$1,587$1,017$641$59
36 years$3,462$2,299$1,485$937$581$50
37 years$3,332$2,184$1,390$863$527$41
38 years$3,208$2,075$1,301$796$478$35
39 years$3,091$1,973$1,219$734$433$29
40 years$2,980$1,878$1,143$677$393$24
41 years$2,875$1,787$1,072$624$356$20
42 years$2,775$1,702$1,005$576$323$17
43 years$2,681$1,622$943$532$293$14
44 years$2,590$1,546$885$491$266$12
45 years$2,504$1,474$831$454$242$10
46 years$2,422$1,406$781$419$220$8
47 years$2,344$1,342$734$387$199$7
48 years$2,269$1,281$689$358$181$6
49 years$2,197$1,223$648$331$164$5
50 years$2,128$1,169$609$306$149$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,180,000, adding $3,584 every year, while hoping to spend $57,266 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: 67/8/25 Blend
34$2,180,000$2,180,000$2,180,000$2,180,000
35$2,406,057$2,290,517$2,256,727$2,551,492
36$2,590,544$2,341,822$2,271,397$2,701,013
37$2,791,930$2,393,721$2,284,639$2,857,636
38$3,011,877$2,446,184$2,296,344$3,027,618
39$3,252,217$2,499,175$2,306,400$3,212,281
40$3,514,964$2,552,656$2,314,686$3,413,077
41$3,802,340$2,606,585$2,321,077$3,631,610
42$4,116,786$2,660,916$2,325,441$3,869,646
43$4,460,994$2,715,596$2,327,639$4,129,131
44$4,837,926$2,770,572$2,327,526$4,412,212
45$5,250,846$2,825,781$2,324,949$4,721,253
46$5,703,347$2,881,158$2,319,749$5,058,861
47$6,199,385$2,936,632$2,311,758$5,427,907
48$6,743,319$2,992,124$2,300,799$5,831,559
49$7,339,950$3,047,551$2,286,688$6,273,305
50$7,994,565$3,102,821$2,269,232$6,756,993
51$8,712,988$3,157,836$2,248,229$7,286,863
52$9,501,634$3,212,491$2,223,465$7,867,586
53$10,367,569$3,266,672$2,194,720$8,504,315
54$11,318,578$3,320,255$2,161,760$9,202,726
55$12,363,235$3,373,110$2,124,341$9,969,076
56$13,510,988$3,425,095$2,082,209$10,810,263
57$14,772,242$3,476,059$2,035,097$11,733,890
58$16,158,464$3,525,838$1,982,725$12,748,335
59$17,682,282$3,574,259$1,924,801$13,862,835
60$19,357,613$3,621,136$1,861,021$15,087,569
61$21,199,788$3,666,270$1,791,063$16,433,759
62$23,225,697$3,709,448$1,714,594$17,913,770
63$25,453,950$3,750,442$1,631,265$19,541,235
64$27,905,050$3,789,012$1,540,710$21,331,178
65$30,601,589$3,824,897$1,442,547$23,300,158
66$33,568,457$3,857,823$1,336,378$25,466,427
67$36,833,078$3,887,495$1,221,786$27,850,103
68$40,425,672$3,913,602$1,098,335$30,473,357
69$44,379,532$3,935,810$965,571$33,360,628
70$48,731,344$3,953,764$823,018$36,538,851
71$53,521,532$3,967,090$670,180$40,037,711
72$58,794,636$3,975,385$506,539$43,889,929
73$64,599,735$3,978,225$331,554$48,131,565
74$70,990,908$3,975,158$144,661$52,802,365
75$78,027,743$3,965,703$0$57,946,133
76$85,775,902$3,949,352$0$63,625,764
77$94,307,737$3,925,563$0$69,921,983
78$103,702,974$3,893,763$0$76,854,977
79$114,049,464$3,853,344$0$84,489,558
80$125,444,013$3,803,662$0$92,897,146
81$137,993,293$3,744,033$0$102,156,442
82$151,814,851$3,673,732$0$112,354,174
83$167,038,214$3,591,994$0$123,585,912
84$183,806,116$3,498,004$0$135,956,971
85$202,275,838$3,390,905$0$149,583,406
86$222,620,699$3,269,785$0$164,593,107
87$245,031,687$3,133,681$0$181,127,005
88$269,719,261$2,981,574$0$199,340,405
89$296,915,340$2,812,385$0$219,404,448
90$326,875,487$2,624,974$0$241,507,731
91$359,881,325$2,418,136$0$265,858,082
92$396,243,191$2,190,596$0$292,684,529
93$436,303,068$1,941,006$0$322,239,456
94$480,437,808$1,667,944$0$354,800,986
95$529,062,696$1,369,903$0$390,675,613
96$582,635,358$1,045,296$0$430,201,085
97$641,660,093$692,444$0$473,749,603
98$706,692,623$309,574$0$521,731,328
99$778,345,341$0$0$574,598,256
100$857,293,094$0$0$632,857,744