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%14.6%
1 years$180,848$179,237$177,666$176,132$174,634$171,318
2 years$89,529$87,861$86,245$84,679$83,159$79,831
3 years$59,093$57,418$55,807$54,254$52,759$49,524
4 years$43,878$42,209$40,613$39,087$37,628$34,509
5 years$34,751$33,092$31,517$30,023$28,605$25,611
6 years$28,669$27,022$25,471$24,009$22,634$19,769
7 years$24,326$22,693$21,166$19,739$18,407$15,673
8 years$21,071$19,452$17,951$16,559$15,271$12,665
9 years$18,540$16,937$15,461$14,105$12,860$10,382
10 years$16,516$14,929$13,479$12,158$10,957$8,604
11 years$14,862$13,290$11,867$10,581$9,424$7,193
12 years$13,484$11,929$10,531$9,281$8,166$6,055
13 years$12,319$10,780$9,409$8,194$7,121$5,125
14 years$11,321$9,799$8,454$7,274$6,242$4,358
15 years$10,458$8,951$7,633$6,487$5,496$3,721
16 years$9,703$8,213$6,920$5,808$4,858$3,186
17 years$9,037$7,564$6,297$5,219$4,307$2,736
18 years$8,446$6,989$5,749$4,703$3,830$2,355
19 years$7,918$6,477$5,263$4,250$3,414$2,030
20 years$7,443$6,019$4,830$3,849$3,049$1,753
21 years$7,014$5,607$4,442$3,493$2,729$1,517
22 years$6,625$5,234$4,094$3,176$2,446$1,313
23 years$6,270$4,895$3,780$2,892$2,195$1,138
24 years$5,945$4,586$3,496$2,638$1,973$988
25 years$5,646$4,304$3,238$2,409$1,776$857
26 years$5,371$4,045$3,003$2,203$1,599$745
27 years$5,117$3,807$2,789$2,016$1,442$648
28 years$4,881$3,587$2,593$1,847$1,301$563
29 years$4,662$3,384$2,413$1,694$1,175$490
30 years$4,458$3,196$2,247$1,555$1,062$427
31 years$4,267$3,021$2,095$1,428$960$371
32 years$4,089$2,859$1,955$1,312$868$323
33 years$3,922$2,707$1,825$1,207$786$282
34 years$3,765$2,566$1,705$1,110$711$246
35 years$3,617$2,434$1,594$1,022$644$214
36 years$3,478$2,310$1,491$941$584$187
37 years$3,347$2,194$1,396$867$529$163
38 years$3,223$2,085$1,307$799$480$142
39 years$3,105$1,983$1,225$737$435$124
40 years$2,994$1,886$1,148$680$395$108
41 years$2,888$1,795$1,076$627$358$94
42 years$2,788$1,710$1,010$579$325$82
43 years$2,693$1,629$948$534$295$72
44 years$2,602$1,553$889$493$268$62
45 years$2,516$1,481$835$456$243$54
46 years$2,433$1,413$784$421$221$47
47 years$2,354$1,348$737$389$200$41
48 years$2,279$1,287$692$359$182$36
49 years$2,207$1,229$651$332$165$32
50 years$2,138$1,174$612$307$150$28

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 $6,815 every year, while hoping to spend $57,275 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: 48/46/6 Blend
34$2,190,000$2,190,000$2,190,000$2,190,000
35$2,420,410$2,304,340$2,270,395$2,532,506
36$2,606,351$2,356,312$2,285,513$2,661,875
37$2,809,339$2,408,912$2,299,218$2,795,620
38$3,031,052$2,462,109$2,311,402$2,939,468
39$3,273,337$2,515,870$2,321,951$3,094,373
40$3,538,228$2,570,158$2,330,747$3,261,386
41$3,827,965$2,624,933$2,337,665$3,441,666
42$4,145,014$2,680,151$2,342,573$3,636,486
43$4,492,089$2,735,763$2,345,333$3,847,251
44$4,872,181$2,791,714$2,345,801$4,075,507
45$5,288,583$2,847,947$2,343,824$4,322,959
46$5,744,919$2,904,397$2,339,243$4,591,485
47$6,245,184$2,960,996$2,331,891$4,883,153
48$6,793,776$3,017,668$2,321,593$5,200,243
49$7,395,539$3,074,332$2,308,164$5,545,266
50$8,055,810$3,130,899$2,291,413$5,920,991
51$8,780,464$3,187,275$2,271,137$6,330,469
52$9,575,977$3,243,357$2,247,125$6,777,060
53$10,449,479$3,299,034$2,219,156$7,264,472
54$11,408,826$3,354,186$2,186,998$7,796,786
55$12,462,671$3,408,687$2,150,408$8,378,504
56$13,620,548$3,462,397$2,109,131$9,014,587
57$14,892,960$3,515,170$2,062,903$9,710,503
58$16,291,475$3,566,847$2,011,443$10,472,277
59$17,828,841$3,617,258$1,954,462$11,306,554
60$19,519,101$3,666,222$1,891,655$12,220,654
61$21,377,727$3,713,544$1,822,703$13,222,649
62$23,421,764$3,759,017$1,747,272$14,321,434
63$25,669,993$3,802,418$1,665,016$15,526,816
64$28,143,108$3,843,512$1,575,568$16,849,603
65$30,863,905$3,882,044$1,478,550$18,301,709
66$33,857,505$3,917,745$1,373,563$19,896,268
67$37,151,584$3,950,329$1,260,192$21,647,755
68$40,776,639$3,979,489$1,138,001$23,572,127
69$44,766,271$4,004,898$1,006,539$25,686,972
70$49,157,504$4,026,211$865,331$28,011,679
71$53,991,131$4,043,058$713,882$30,567,618
72$59,312,106$4,055,047$551,676$33,378,345
73$65,169,956$4,061,760$378,173$36,469,825
74$71,619,260$4,062,755$192,810$39,870,679
75$78,720,155$4,057,560$0$43,612,454
76$86,538,907$4,045,676$0$47,730,244
77$95,148,534$4,026,573$0$52,275,251
78$104,629,497$3,999,688$0$57,277,407
79$115,070,457$3,964,423$0$62,783,321
80$126,569,110$3,920,146$0$68,844,367
81$139,233,111$3,866,186$0$75,517,165
82$153,181,091$3,801,831$0$82,864,124
83$168,543,769$3,726,328$0$90,954,025
84$185,465,195$3,638,879$0$99,862,679
85$204,104,099$3,538,639$0$109,673,642
86$224,635,398$3,424,712$0$120,479,005
87$247,251,838$3,296,153$0$132,380,266
88$272,165,820$3,151,959$0$145,489,294
89$299,611,398$2,991,069$0$159,929,382
90$329,846,492$2,812,363$0$175,836,419
91$363,155,320$2,614,654$0$193,360,172
92$399,851,079$2,396,689$0$212,665,705
93$440,278,904$2,157,142$0$233,934,942
94$484,819,122$1,894,612$0$257,368,384
95$533,890,844$1,607,619$0$283,187,009
96$587,955,916$1,294,599$0$311,634,363
97$647,523,284$953,899$0$342,978,858
98$713,153,794$583,774$0$377,516,319
99$785,465,484$182,383$0$415,572,774
100$865,139,422$0$0$457,507,542