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

Use the below retirement simulation to view the chances of a successful retirement.
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%11.7%
1 years$180,022$178,419$176,854$175,327$173,836$172,596
2 years$89,120$87,460$85,852$84,292$82,779$81,529
3 years$58,823$57,156$55,552$54,007$52,519$51,296
4 years$43,678$42,016$40,427$38,909$37,457$36,272
5 years$34,593$32,941$31,373$29,886$28,474$27,331
6 years$28,538$26,899$25,354$23,900$22,530$21,430
7 years$24,215$22,590$21,070$19,649$18,323$17,266
8 years$20,974$19,363$17,869$16,483$15,201$14,187
9 years$18,455$16,859$15,390$14,040$12,801$11,830
10 years$16,441$14,861$13,418$12,103$10,907$9,979
11 years$14,794$13,230$11,813$10,533$9,381$8,494
12 years$13,422$11,874$10,483$9,239$8,129$7,283
13 years$12,263$10,731$9,366$8,157$7,089$6,283
14 years$11,270$9,754$8,416$7,240$6,214$5,447
15 years$10,410$8,910$7,598$6,457$5,471$4,743
16 years$9,658$8,175$6,889$5,782$4,836$4,144
17 years$8,996$7,529$6,269$5,195$4,288$3,632
18 years$8,407$6,957$5,722$4,682$3,812$3,191
19 years$7,882$6,448$5,239$4,230$3,398$2,811
20 years$7,409$5,992$4,808$3,831$3,035$2,480
21 years$6,982$5,581$4,422$3,477$2,716$2,192
22 years$6,594$5,210$4,076$3,162$2,435$1,940
23 years$6,241$4,872$3,763$2,879$2,185$1,720
24 years$5,918$4,565$3,480$2,626$1,964$1,526
25 years$5,620$4,284$3,223$2,398$1,768$1,356
26 years$5,347$4,026$2,990$2,193$1,592$1,205
27 years$5,093$3,789$2,776$2,007$1,435$1,072
28 years$4,859$3,571$2,581$1,839$1,295$955
29 years$4,641$3,369$2,402$1,686$1,170$850
30 years$4,438$3,181$2,237$1,548$1,057$758
31 years$4,248$3,007$2,086$1,421$955$676
32 years$4,070$2,846$1,946$1,306$864$603
33 years$3,904$2,695$1,817$1,201$782$538
34 years$3,748$2,554$1,698$1,105$708$480
35 years$3,601$2,422$1,587$1,017$641$429
36 years$3,462$2,299$1,485$937$581$383
37 years$3,332$2,184$1,390$863$527$342
38 years$3,208$2,075$1,301$796$478$306
39 years$3,091$1,973$1,219$734$433$274
40 years$2,980$1,878$1,143$677$393$245
41 years$2,875$1,787$1,072$624$356$219
42 years$2,775$1,702$1,005$576$323$196
43 years$2,681$1,622$943$532$293$175
44 years$2,590$1,546$885$491$266$156
45 years$2,504$1,474$831$454$242$140
46 years$2,422$1,406$781$419$220$125
47 years$2,344$1,342$734$387$199$112
48 years$2,269$1,281$689$358$181$100
49 years$2,197$1,223$648$331$164$90
50 years$2,128$1,169$609$306$149$80

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 $4,101 every year, while hoping to spend $24,954 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: 49/21/30 Blend
34$2,180,000$2,180,000$2,180,000$2,180,000
35$2,406,590$2,291,050$2,257,260$2,503,772
36$2,625,512$2,376,761$2,306,328$2,658,244
37$2,865,926$2,465,835$2,356,202$2,823,208
38$3,130,001$2,558,411$2,406,885$3,001,972
39$3,420,121$2,654,633$2,458,376$3,195,855
40$3,738,916$2,754,653$2,510,674$3,406,310
41$4,089,281$2,858,626$2,563,777$3,634,936
42$4,474,407$2,966,718$2,617,682$3,883,490
43$4,897,807$3,079,098$2,672,386$4,153,906
44$5,363,356$3,195,946$2,727,883$4,448,313
45$5,875,319$3,317,448$2,784,168$4,769,055
46$6,438,396$3,443,798$2,841,232$5,118,709
47$7,057,767$3,575,198$2,899,068$5,500,116
48$7,739,137$3,711,861$2,957,665$5,916,398
49$8,488,794$3,854,007$3,017,011$6,370,996
50$9,313,663$4,001,866$3,077,094$6,867,698
51$10,221,379$4,155,679$3,137,898$7,410,673
52$11,220,349$4,315,697$3,199,408$8,004,512
53$12,319,841$4,482,183$3,261,604$8,654,272
54$13,530,064$4,655,409$3,324,467$9,365,518
55$14,862,269$4,835,661$3,387,974$10,144,383
56$16,328,850$5,023,239$3,452,101$10,997,617
57$17,943,468$5,218,452$3,516,822$11,932,658
58$19,721,172$5,421,627$3,582,106$12,957,694
59$21,678,547$5,633,103$3,647,922$14,081,747
60$23,833,869$5,853,234$3,714,237$15,314,751
61$26,207,272$6,082,391$3,781,013$16,667,650
62$28,820,946$6,320,961$3,848,209$18,152,498
63$31,699,342$6,569,348$3,915,784$19,782,575
64$34,869,402$6,827,973$3,983,690$21,572,506
65$38,360,815$7,097,278$4,051,877$23,538,406
66$42,206,297$7,377,722$4,120,293$25,698,026
67$46,441,896$7,669,788$4,188,881$28,070,919
68$51,107,340$7,973,978$4,257,579$30,678,628
69$56,246,402$8,290,817$4,326,321$33,544,888
70$61,907,322$8,620,853$4,395,039$36,695,845
71$68,143,254$8,964,661$4,463,659$40,160,305
72$75,012,776$9,322,839$4,532,101$43,970,007
73$82,580,434$9,696,013$4,600,281$48,159,916
74$90,917,358$10,084,837$4,668,111$52,768,559
75$100,101,931$10,489,997$4,735,495$57,838,380
76$110,220,527$10,912,205$4,802,333$63,416,148
77$121,368,328$11,352,211$4,868,518$69,553,391
78$133,650,221$11,810,793$4,933,938$76,306,882
79$147,181,792$12,288,770$4,998,472$83,739,178
80$162,090,408$12,786,993$5,061,995$91,919,205
81$178,516,430$13,306,356$5,124,372$100,922,909
82$196,614,529$13,847,791$5,185,461$110,833,971
83$216,555,151$14,412,273$5,245,115$121,744,599
84$238,526,124$15,000,822$5,303,173$133,756,390
85$262,734,430$15,614,503$5,359,471$146,981,294
86$289,408,160$16,254,432$5,413,832$161,542,669
87$318,798,668$16,921,775$5,466,070$177,576,438
88$351,182,940$17,617,749$5,515,991$195,232,377
89$386,866,212$18,343,631$5,563,389$214,675,526
90$426,184,850$19,100,754$5,608,048$236,087,741
91$469,509,526$19,890,511$5,649,738$259,669,415
92$517,248,713$20,714,362$5,688,220$285,641,363
93$569,852,548$21,573,832$5,723,241$314,246,906
94$627,817,075$22,470,517$5,754,537$345,754,170
95$691,688,930$23,406,085$5,781,827$380,458,607
96$762,070,501$24,382,284$5,804,818$418,685,790
97$839,625,615$25,400,939$5,823,203$460,794,478
98$925,085,805$26,463,962$5,836,657$507,180,006
99$1,019,257,213$27,573,352$5,844,841$558,278,010
100$1,123,028,203$28,731,201$5,847,398$614,568,540