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

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 $2,190,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$180,848$179,237$177,666$176,132$174,634$168,572
2 years$89,529$87,861$86,245$84,679$83,159$77,114
3 years$59,093$57,418$55,807$54,254$52,759$46,922
4 years$43,878$42,209$40,613$39,087$37,628$32,043
5 years$34,751$33,092$31,517$30,023$28,605$23,286
6 years$28,669$27,022$25,471$24,009$22,634$17,585
7 years$24,326$22,693$21,166$19,739$18,407$13,629
8 years$21,071$19,452$17,951$16,559$15,271$10,758
9 years$18,540$16,937$15,461$14,105$12,860$8,608
10 years$16,516$14,929$13,479$12,158$10,957$6,958
11 years$14,862$13,290$11,867$10,581$9,424$5,670
12 years$13,484$11,929$10,531$9,281$8,166$4,649
13 years$12,319$10,780$9,409$8,194$7,121$3,830
14 years$11,321$9,799$8,454$7,274$6,242$3,169
15 years$10,458$8,951$7,633$6,487$5,496$2,630
16 years$9,703$8,213$6,920$5,808$4,858$2,189
17 years$9,037$7,564$6,297$5,219$4,307$1,826
18 years$8,446$6,989$5,749$4,703$3,830$1,525
19 years$7,918$6,477$5,263$4,250$3,414$1,276
20 years$7,443$6,019$4,830$3,849$3,049$1,069
21 years$7,014$5,607$4,442$3,493$2,729$897
22 years$6,625$5,234$4,094$3,176$2,446$753
23 years$6,270$4,895$3,780$2,892$2,195$632
24 years$5,945$4,586$3,496$2,638$1,973$532
25 years$5,646$4,304$3,238$2,409$1,776$447
26 years$5,371$4,045$3,003$2,203$1,599$376
27 years$5,117$3,807$2,789$2,016$1,442$316
28 years$4,881$3,587$2,593$1,847$1,301$266
29 years$4,662$3,384$2,413$1,694$1,175$224
30 years$4,458$3,196$2,247$1,555$1,062$189
31 years$4,267$3,021$2,095$1,428$960$159
32 years$4,089$2,859$1,955$1,312$868$134
33 years$3,922$2,707$1,825$1,207$786$113
34 years$3,765$2,566$1,705$1,110$711$95
35 years$3,617$2,434$1,594$1,022$644$80
36 years$3,478$2,310$1,491$941$584$68
37 years$3,347$2,194$1,396$867$529$57
38 years$3,223$2,085$1,307$799$480$48
39 years$3,105$1,983$1,225$737$435$41
40 years$2,994$1,886$1,148$680$395$34
41 years$2,888$1,795$1,076$627$358$29
42 years$2,788$1,710$1,010$579$325$24
43 years$2,693$1,629$948$534$295$20
44 years$2,602$1,553$889$493$268$17
45 years$2,516$1,481$835$456$243$15
46 years$2,433$1,413$784$421$221$12
47 years$2,354$1,348$737$389$200$10
48 years$2,279$1,287$692$359$182$9
49 years$2,207$1,229$651$332$165$7
50 years$2,138$1,174$612$307$150$6

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 $2,920 every year, while hoping to spend $40,900 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: 48/36/16 Blend
34$2,190,000$2,190,000$2,190,000$2,190,000
35$2,416,392$2,300,322$2,266,377$2,521,420
36$2,619,347$2,369,520$2,298,783$2,663,614
37$2,841,632$2,440,739$2,330,904$2,813,499
38$3,085,176$2,514,033$2,362,688$2,975,360
39$3,352,104$2,589,460$2,394,077$3,150,334
40$3,644,753$2,667,079$2,425,014$3,339,670
41$3,965,701$2,746,949$2,455,435$3,544,743
42$4,317,785$2,829,131$2,485,274$3,767,066
43$4,704,131$2,913,690$2,514,462$4,008,305
44$5,128,180$3,000,689$2,542,925$4,270,294
45$5,593,726$3,090,194$2,570,584$4,555,050
46$6,104,945$3,182,273$2,597,358$4,864,794
47$6,666,439$3,276,994$2,623,159$5,201,974
48$7,283,277$3,374,428$2,647,897$5,569,281
49$7,961,045$3,474,648$2,671,474$5,969,682
50$8,705,893$3,577,727$2,693,790$6,406,441
51$9,524,599$3,683,741$2,714,737$6,883,155
52$10,424,630$3,792,767$2,734,203$7,403,784
53$11,414,214$3,904,884$2,752,070$7,972,691
54$12,502,412$4,020,171$2,768,213$8,594,678
55$13,699,211$4,138,713$2,782,501$9,275,037
56$15,015,612$4,260,591$2,794,796$10,019,598
57$16,463,737$4,385,893$2,804,955$10,834,781
58$18,056,942$4,514,706$2,812,824$11,727,658
59$19,809,942$4,647,118$2,818,246$12,706,020
60$21,738,950$4,783,221$2,821,051$13,778,451
61$23,861,832$4,923,107$2,821,065$14,954,407
62$26,198,271$5,066,871$2,818,102$16,244,306
63$28,769,956$5,214,610$2,811,971$17,659,623
64$31,600,786$5,366,420$2,802,467$19,213,005
65$34,717,095$5,522,403$2,789,377$20,918,384
66$38,147,897$5,682,660$2,772,480$22,791,109
67$41,925,165$5,847,293$2,751,541$24,848,092
68$46,084,129$6,016,407$2,726,315$27,107,969
69$50,663,610$6,190,111$2,696,546$29,591,272
70$55,706,383$6,368,511$2,661,965$32,320,624
71$61,259,584$6,551,718$2,622,291$35,320,954
72$67,375,152$6,739,843$2,577,228$38,619,730
73$74,110,322$6,933,000$2,526,470$42,247,217
74$81,528,161$7,131,303$2,469,693$46,236,766
75$89,698,165$7,334,868$2,406,559$50,625,126
76$98,696,914$7,543,813$2,336,715$55,452,792
77$108,608,797$7,758,257$2,259,792$60,764,385
78$119,526,802$7,978,319$2,175,403$66,609,075
79$131,553,401$8,204,122$2,083,144$73,041,044
80$144,801,511$8,435,788$1,982,593$80,119,997
81$159,395,563$8,673,439$1,873,308$87,911,728
82$175,472,674$8,917,201$1,754,827$96,488,737
83$193,183,941$9,167,198$1,626,667$105,930,916
84$212,695,868$9,423,556$1,488,326$116,326,304
85$234,191,938$9,686,401$1,339,276$127,771,916
86$257,874,341$9,955,860$1,178,968$140,374,661
87$283,965,886$10,232,060$1,006,825$154,252,348
88$312,712,103$10,515,127$822,250$169,534,803
89$344,383,556$10,805,187$624,615$186,365,087
90$379,278,405$11,102,368$413,265$204,900,855
91$417,725,212$11,406,793$187,519$225,315,839
92$460,086,046$11,718,589$0$247,801,487
93$506,759,900$12,037,877$0$272,577,891
94$558,186,458$12,364,781$0$299,903,185
95$614,850,241$12,699,419$0$330,001,659
96$677,285,186$13,041,912$0$363,155,788
97$746,079,683$13,392,373$0$399,676,850
98$821,882,127$13,750,916$0$439,907,862
99$905,407,044$14,117,651$0$484,226,820
100$997,441,830$14,492,683$0$533,050,265