Can I retire at age 35 with 2,190,000?

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 $2,190,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$180,848$179,237$177,666$176,132$174,634$173,026
2 years$89,529$87,861$86,245$84,679$83,159$81,539
3 years$59,093$57,418$55,807$54,254$52,759$51,178
4 years$43,878$42,209$40,613$39,087$37,628$36,097
5 years$34,751$33,092$31,517$30,023$28,605$27,128
6 years$28,669$27,022$25,471$24,009$22,634$21,214
7 years$24,326$22,693$21,166$19,739$18,407$17,045
8 years$21,071$19,452$17,951$16,559$15,271$13,965
9 years$18,540$16,937$15,461$14,105$12,860$11,611
10 years$16,516$14,929$13,479$12,158$10,957$9,765
11 years$14,862$13,290$11,867$10,581$9,424$8,286
12 years$13,484$11,929$10,531$9,281$8,166$7,083
13 years$12,319$10,780$9,409$8,194$7,121$6,091
14 years$11,321$9,799$8,454$7,274$6,242$5,263
15 years$10,458$8,951$7,633$6,487$5,496$4,567
16 years$9,703$8,213$6,920$5,808$4,858$3,977
17 years$9,037$7,564$6,297$5,219$4,307$3,473
18 years$8,446$6,989$5,749$4,703$3,830$3,041
19 years$7,918$6,477$5,263$4,250$3,414$2,669
20 years$7,443$6,019$4,830$3,849$3,049$2,346
21 years$7,014$5,607$4,442$3,493$2,729$2,066
22 years$6,625$5,234$4,094$3,176$2,446$1,822
23 years$6,270$4,895$3,780$2,892$2,195$1,609
24 years$5,945$4,586$3,496$2,638$1,973$1,422
25 years$5,646$4,304$3,238$2,409$1,776$1,258
26 years$5,371$4,045$3,003$2,203$1,599$1,114
27 years$5,117$3,807$2,789$2,016$1,442$987
28 years$4,881$3,587$2,593$1,847$1,301$876
29 years$4,662$3,384$2,413$1,694$1,175$777
30 years$4,458$3,196$2,247$1,555$1,062$690
31 years$4,267$3,021$2,095$1,428$960$613
32 years$4,089$2,859$1,955$1,312$868$544
33 years$3,922$2,707$1,825$1,207$786$484
34 years$3,765$2,566$1,705$1,110$711$430
35 years$3,617$2,434$1,594$1,022$644$382
36 years$3,478$2,310$1,491$941$584$340
37 years$3,347$2,194$1,396$867$529$303
38 years$3,223$2,085$1,307$799$480$269
39 years$3,105$1,983$1,225$737$435$240
40 years$2,994$1,886$1,148$680$395$213
41 years$2,888$1,795$1,076$627$358$190
42 years$2,788$1,710$1,010$579$325$169
43 years$2,693$1,629$948$534$295$151
44 years$2,602$1,553$889$493$268$134
45 years$2,516$1,481$835$456$243$119
46 years$2,433$1,413$784$421$221$106
47 years$2,354$1,348$737$389$200$95
48 years$2,279$1,287$692$359$182$84
49 years$2,207$1,229$651$332$165$75
50 years$2,138$1,174$612$307$150$67

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,190,000, adding $4,674 every year, while hoping to spend $51,245 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: 65/23/12 Blend
34$2,190,000$2,190,000$2,190,000$2,190,000
35$2,418,201$2,302,131$2,268,186$2,568,500
36$2,610,333$2,360,411$2,289,646$2,727,689
37$2,820,346$2,419,830$2,310,108$2,895,134
38$3,050,008$2,480,388$2,329,483$3,076,799
39$3,301,267$2,542,086$2,347,680$3,274,069
40$3,576,271$2,604,923$2,364,601$3,488,467
41$3,877,380$2,668,894$2,380,145$3,721,672
42$4,207,197$2,733,994$2,394,204$3,975,534
43$4,568,587$2,800,215$2,406,665$4,252,089
44$4,964,704$2,867,547$2,417,410$4,553,579
45$5,399,024$2,935,977$2,426,314$4,882,477
46$5,875,375$3,005,489$2,433,245$5,241,503
47$6,397,971$3,076,066$2,438,066$5,633,655
48$6,971,456$3,147,685$2,440,633$6,062,237
49$7,600,944$3,220,322$2,440,795$6,530,888
50$8,292,070$3,293,947$2,438,391$7,043,617
51$9,051,039$3,368,529$2,433,255$7,604,841
52$9,884,689$3,444,030$2,425,213$8,219,426
53$10,800,549$3,520,410$2,414,080$8,892,734
54$11,806,918$3,597,623$2,399,664$9,630,674
55$12,912,934$3,675,617$2,381,763$10,439,757
56$14,128,668$3,754,337$2,360,167$11,327,154
57$15,465,214$3,833,721$2,334,654$12,300,771
58$16,934,792$3,913,700$2,304,992$13,369,317
59$18,550,870$3,994,200$2,270,938$14,542,389
60$20,328,283$4,075,140$2,232,238$15,830,565
61$22,283,376$4,156,430$2,188,627$17,245,497
62$24,434,160$4,237,974$2,139,825$18,800,030
63$26,800,476$4,319,667$2,085,541$20,508,314
64$29,404,189$4,401,395$2,025,471$22,385,946
65$32,269,388$4,483,035$1,959,296$24,450,112
66$35,422,615$4,564,453$1,886,682$26,719,751
67$38,893,116$4,645,506$1,807,280$29,215,734
68$42,713,116$4,726,038$1,720,726$31,961,063
69$46,918,123$4,805,883$1,626,640$34,981,082
70$51,547,261$4,884,861$1,524,621$38,303,727
71$56,643,641$4,962,778$1,414,256$41,959,777
72$62,254,766$5,039,428$1,295,107$45,983,158
73$68,432,980$5,114,588$1,166,721$50,411,252
74$75,235,962$5,188,021$1,028,624$55,285,260
75$82,727,266$5,259,470$880,319$60,650,582
76$90,976,927$5,328,663$721,289$66,557,255
77$100,062,114$5,395,309$550,993$73,060,419
78$110,067,865$5,459,094$368,867$80,220,840
79$121,087,884$5,519,687$174,321$88,105,487
80$133,225,428$5,576,731$0$96,788,160
81$146,594,278$5,629,847$0$106,354,454
82$161,319,817$5,678,632$0$116,913,833
83$177,540,207$5,722,654$0$128,542,817
84$195,407,700$5,761,455$0$141,350,350
85$215,090,065$5,794,547$0$155,456,490
86$236,772,182$5,821,409$0$170,993,538
87$260,657,777$5,841,491$0$188,107,291
88$286,971,349$5,854,203$0$206,958,416
89$315,960,290$5,858,923$0$227,723,967
90$347,897,216$5,854,986$0$250,599,060
91$383,082,541$5,841,689$0$275,798,712
92$421,847,313$5,818,285$0$303,559,870
93$464,556,338$5,783,980$0$334,143,654
94$511,611,623$5,737,933$0$367,837,817
95$563,456,168$5,679,252$0$404,959,467
96$620,578,152$5,606,990$0$445,858,055
97$683,515,536$5,520,145$0$490,918,682
98$752,861,144$5,417,655$0$540,565,730
99$829,268,255$5,298,394$0$595,266,870
100$913,456,772$5,161,170$0$655,537,483