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%13.3%
1 years$180,022$178,419$176,854$175,327$173,836$171,451
2 years$89,120$87,460$85,852$84,292$82,779$80,380
3 years$58,823$57,156$55,552$54,007$52,519$50,180
4 years$43,678$42,016$40,427$38,909$37,457$35,198
5 years$34,593$32,941$31,373$29,886$28,474$26,300
6 years$28,538$26,899$25,354$23,900$22,530$20,445
7 years$24,215$22,590$21,070$19,649$18,323$16,327
8 years$20,974$19,363$17,869$16,483$15,201$13,293
9 years$18,455$16,859$15,390$14,040$12,801$10,981
10 years$16,441$14,861$13,418$12,103$10,907$9,173
11 years$14,794$13,230$11,813$10,533$9,381$7,731
12 years$13,422$11,874$10,483$9,239$8,129$6,563
13 years$12,263$10,731$9,366$8,157$7,089$5,603
14 years$11,270$9,754$8,416$7,240$6,214$4,807
15 years$10,410$8,910$7,598$6,457$5,471$4,140
16 years$9,658$8,175$6,889$5,782$4,836$3,578
17 years$8,996$7,529$6,269$5,195$4,288$3,101
18 years$8,407$6,957$5,722$4,682$3,812$2,694
19 years$7,882$6,448$5,239$4,230$3,398$2,345
20 years$7,409$5,992$4,808$3,831$3,035$2,045
21 years$6,982$5,581$4,422$3,477$2,716$1,786
22 years$6,594$5,210$4,076$3,162$2,435$1,562
23 years$6,241$4,872$3,763$2,879$2,185$1,368
24 years$5,918$4,565$3,480$2,626$1,964$1,199
25 years$5,620$4,284$3,223$2,398$1,768$1,052
26 years$5,347$4,026$2,990$2,193$1,592$923
27 years$5,093$3,789$2,776$2,007$1,435$811
28 years$4,859$3,571$2,581$1,839$1,295$713
29 years$4,641$3,369$2,402$1,686$1,170$627
30 years$4,438$3,181$2,237$1,548$1,057$551
31 years$4,248$3,007$2,086$1,421$955$485
32 years$4,070$2,846$1,946$1,306$864$427
33 years$3,904$2,695$1,817$1,201$782$376
34 years$3,748$2,554$1,698$1,105$708$331
35 years$3,601$2,422$1,587$1,017$641$292
36 years$3,462$2,299$1,485$937$581$257
37 years$3,332$2,184$1,390$863$527$227
38 years$3,208$2,075$1,301$796$478$200
39 years$3,091$1,973$1,219$734$433$176
40 years$2,980$1,878$1,143$677$393$156
41 years$2,875$1,787$1,072$624$356$137
42 years$2,775$1,702$1,005$576$323$121
43 years$2,681$1,622$943$532$293$107
44 years$2,590$1,546$885$491$266$94
45 years$2,504$1,474$831$454$242$83
46 years$2,422$1,406$781$419$220$73
47 years$2,344$1,342$734$387$199$65
48 years$2,269$1,281$689$358$181$57
49 years$2,197$1,223$648$331$164$50
50 years$2,128$1,169$609$306$149$44

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 $4,019 every year, while hoping to spend $24,212 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: 67/11/22 Blend
34$2,180,000$2,180,000$2,180,000$2,180,000
35$2,406,506$2,290,966$2,257,176$2,554,052
36$2,626,208$2,377,462$2,307,030$2,740,008
37$2,867,508$2,467,384$2,357,742$2,940,142
38$3,132,584$2,560,876$2,409,317$3,158,441
39$3,423,834$2,658,086$2,461,755$3,396,693
40$3,743,901$2,759,168$2,515,060$3,656,867
41$4,095,697$2,864,285$2,569,232$3,941,133
42$4,482,428$2,973,604$2,624,271$4,251,877
43$4,907,628$3,087,303$2,680,177$4,591,729
44$5,375,190$3,205,565$2,736,947$4,963,585
45$5,889,403$3,328,582$2,794,579$5,370,632
46$6,454,994$3,456,554$2,853,068$5,816,383
47$7,077,168$3,589,690$2,912,411$6,304,704
48$7,761,662$3,728,208$2,972,600$6,839,855
49$8,514,798$3,872,337$3,033,628$7,426,528
50$9,343,539$4,022,313$3,095,486$8,069,889
51$10,255,559$4,178,385$3,158,164$8,775,632
52$11,259,313$4,340,812$3,221,649$9,550,025
53$12,364,116$4,509,866$3,285,928$10,399,976
54$13,580,235$4,685,828$3,350,986$11,333,093
55$14,918,980$4,868,995$3,416,805$12,357,758
56$16,392,814$5,059,674$3,483,366$13,483,204
57$18,015,470$5,258,187$3,550,648$14,719,602
58$19,802,080$5,464,870$3,618,627$16,078,160
59$21,769,320$5,680,076$3,687,278$17,571,224
60$23,935,562$5,904,171$3,756,573$19,212,395
61$26,321,052$6,137,538$3,826,481$21,016,659
62$28,948,100$6,380,579$3,896,969$23,000,528
63$31,841,290$6,633,710$3,968,001$25,182,193
64$35,027,710$6,897,371$4,039,537$27,581,695
65$38,537,211$7,172,017$4,111,537$30,221,119
66$42,402,686$7,458,125$4,183,953$33,124,795
67$46,660,383$7,756,196$4,256,738$36,319,533
68$51,350,242$8,066,750$4,329,839$39,834,872
69$56,516,277$8,390,331$4,403,199$43,703,358
70$62,206,990$8,727,510$4,476,759$47,960,854
71$68,475,826$9,078,881$4,550,454$52,646,876
72$75,381,681$9,445,067$4,624,214$57,804,965
73$82,989,455$9,826,717$4,697,968$63,483,098
74$91,370,665$10,224,512$4,771,635$69,734,139
75$100,604,121$10,639,162$4,845,134$76,616,341
76$110,776,670$11,071,409$4,918,374$84,193,891
77$121,984,013$11,522,031$4,991,263$92,537,518
78$134,331,611$11,991,839$5,063,699$101,725,159
79$147,935,679$12,481,683$5,135,576$111,842,695
80$162,924,282$12,992,449$5,206,782$122,984,757
81$179,438,547$13,525,067$5,277,197$135,255,626
82$197,633,990$14,080,507$5,346,694$148,770,209
83$217,681,989$14,659,783$5,415,140$163,655,128
84$239,771,397$15,263,959$5,482,393$180,049,911
85$264,110,330$15,894,142$5,548,303$198,108,313
86$290,928,124$16,551,496$5,612,712$217,999,761
87$320,477,507$17,237,234$5,675,452$239,910,956
88$353,036,981$17,952,627$5,736,348$264,047,633
89$388,913,451$18,699,003$5,795,213$290,636,504
90$428,445,121$19,477,752$5,851,852$319,927,396
91$472,004,691$20,290,329$5,906,056$352,195,607
92$520,002,869$21,138,255$5,957,608$387,744,508
93$572,892,252$22,023,120$6,006,279$426,908,400
94$631,171,599$22,946,591$6,051,826$470,055,674
95$695,390,536$23,910,407$6,093,996$517,592,284
96$766,154,747$24,916,394$6,132,521$569,965,582
97$844,131,690$25,966,456$6,167,120$627,668,535
98$930,056,900$27,062,589$6,197,496$691,244,380
99$1,024,740,930$28,206,883$6,223,338$761,291,753
100$1,129,077,006$29,401,521$6,244,321$838,470,335