Can I retire at age 35 with 2,090,000?

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 $2,090,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$172,590$171,053$169,553$168,089$166,660$161,454
2 years$85,441$83,849$82,307$80,812$79,362$74,164
3 years$56,395$54,797$53,258$51,777$50,350$45,323
4 years$41,874$40,281$38,758$37,302$35,910$31,092
5 years$33,165$31,581$30,078$28,652$27,298$22,702
6 years$27,360$25,788$24,308$22,913$21,600$17,229
7 years$23,215$21,657$20,200$18,838$17,567$13,422
8 years$20,108$18,564$17,131$15,803$14,573$10,651
9 years$17,693$16,163$14,755$13,461$12,273$8,569
10 years$15,762$14,247$12,864$11,603$10,457$6,966
11 years$14,183$12,683$11,325$10,098$8,993$5,709
12 years$12,868$11,384$10,051$8,857$7,794$4,709
13 years$11,757$10,288$8,980$7,820$6,796$3,904
14 years$10,804$9,351$8,068$6,942$5,957$3,250
15 years$9,980$8,543$7,284$6,191$5,245$2,715
16 years$9,259$7,838$6,604$5,543$4,636$2,274
17 years$8,624$7,218$6,010$4,980$4,111$1,909
18 years$8,060$6,670$5,486$4,488$3,655$1,606
19 years$7,556$6,182$5,022$4,056$3,258$1,353
20 years$7,103$5,744$4,609$3,673$2,910$1,142
21 years$6,694$5,351$4,240$3,334$2,604$964
22 years$6,322$4,995$3,907$3,031$2,334$815
23 years$5,983$4,671$3,608$2,760$2,095$689
24 years$5,673$4,377$3,337$2,518$1,883$584
25 years$5,388$4,107$3,090$2,299$1,695$494
26 years$5,126$3,860$2,866$2,102$1,526$419
27 years$4,883$3,633$2,662$1,924$1,376$355
28 years$4,658$3,423$2,474$1,763$1,242$301
29 years$4,449$3,229$2,302$1,617$1,121$255
30 years$4,254$3,050$2,145$1,484$1,013$217
31 years$4,072$2,883$1,999$1,363$916$184
32 years$3,902$2,728$1,865$1,252$829$156
33 years$3,743$2,584$1,742$1,152$750$133
34 years$3,593$2,449$1,627$1,060$679$113
35 years$3,452$2,322$1,522$975$615$96
36 years$3,319$2,204$1,423$898$557$81
37 years$3,194$2,094$1,332$828$505$69
38 years$3,076$1,990$1,248$763$458$59
39 years$2,964$1,892$1,169$703$415$50
40 years$2,857$1,800$1,096$649$377$42
41 years$2,757$1,714$1,027$599$342$36
42 years$2,661$1,632$964$552$310$30
43 years$2,570$1,555$904$510$281$26
44 years$2,483$1,482$849$471$255$22
45 years$2,401$1,413$797$435$232$19
46 years$2,322$1,348$749$402$210$16
47 years$2,247$1,287$703$371$191$13
48 years$2,175$1,228$661$343$174$11
49 years$2,106$1,173$621$317$158$10
50 years$2,041$1,120$584$293$143$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,090,000, adding $5,600 every year, while hoping to spend $33,138 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: 41/47/12 Blend
34$2,090,000$2,090,000$2,090,000$2,090,000
35$2,308,956$2,198,186$2,165,791$2,395,208
36$2,509,211$2,270,639$2,203,087$2,528,860
37$2,728,782$2,345,531$2,240,521$2,669,709
38$2,969,603$2,422,947$2,278,064$2,821,421
39$3,233,805$2,502,975$2,315,682$2,984,996
40$3,523,738$2,585,705$2,353,342$3,161,536
41$3,841,987$2,671,232$2,391,006$3,352,252
42$4,191,399$2,759,653$2,428,635$3,558,474
43$4,575,115$2,851,068$2,466,187$3,781,664
44$4,996,589$2,945,583$2,503,616$4,023,430
45$5,459,630$3,043,305$2,540,877$4,285,540
46$5,968,433$3,144,348$2,577,917$4,569,940
47$6,527,619$3,248,828$2,614,683$4,878,767
48$7,142,281$3,356,864$2,651,119$5,214,375
49$7,818,026$3,468,583$2,687,165$5,579,352
50$8,561,035$3,584,114$2,722,755$5,976,548
51$9,378,117$3,703,592$2,757,823$6,409,095
52$10,276,772$3,827,156$2,792,298$6,880,443
53$11,265,266$3,954,949$2,826,103$7,394,389
54$12,352,705$4,087,123$2,859,159$7,955,110
55$13,549,121$4,223,833$2,891,382$8,567,207
56$14,865,570$4,365,239$2,922,681$9,235,742
57$16,314,232$4,511,509$2,952,964$9,966,290
58$17,908,526$4,662,816$2,982,132$10,764,987
59$19,663,241$4,819,340$3,010,079$11,638,590
60$21,594,671$4,981,267$3,036,695$12,594,541
61$23,720,769$5,148,790$3,061,866$13,641,031
62$26,061,317$5,322,110$3,085,468$14,787,082
63$28,638,113$5,501,435$3,107,373$16,042,631
64$31,475,176$5,686,982$3,127,446$17,418,619
65$34,598,974$5,878,973$3,145,545$18,927,098
66$38,038,668$6,077,642$3,161,520$20,581,340
67$41,826,395$6,283,229$3,175,214$22,395,963
68$45,997,566$6,495,986$3,186,461$24,387,072
69$50,591,199$6,716,171$3,195,090$26,572,402
70$55,650,293$6,944,054$3,200,916$28,971,490
71$61,222,226$7,179,916$3,203,750$31,605,859
72$67,359,207$7,424,046$3,203,390$34,499,215
73$74,118,769$7,676,747$3,199,626$37,677,676
74$81,564,307$7,938,331$3,192,237$41,170,013
75$89,765,680$8,209,124$3,180,991$45,007,920
76$98,799,871$8,489,462$3,165,646$49,226,317
77$108,751,709$8,779,697$3,145,947$53,863,672
78$119,714,674$9,080,193$3,121,626$58,962,369
79$131,791,775$9,391,327$3,092,405$64,569,100
80$145,096,526$9,713,492$3,057,990$70,735,312
81$159,754,015$10,047,095$3,018,076$77,517,684
82$175,902,082$10,392,561$2,972,339$84,978,666
83$193,692,627$10,750,329$2,920,446$93,187,063
84$213,293,037$11,120,857$2,862,042$102,218,687
85$234,887,767$11,504,619$2,796,761$112,157,066
86$258,680,083$11,902,109$2,724,216$123,094,238
87$284,893,978$12,313,839$2,644,004$135,131,608
88$313,776,289$12,740,343$2,555,704$148,380,914
89$345,599,025$13,182,174$2,458,874$162,965,273
90$380,661,933$13,639,908$2,353,053$179,020,345
91$419,295,329$14,114,142$2,237,759$196,695,607
92$461,863,217$14,605,499$2,112,489$216,155,769
93$508,766,721$15,114,625$1,976,714$237,582,321
94$560,447,878$15,642,193$1,829,884$261,175,245
95$617,393,801$16,188,900$1,671,425$287,154,905
96$680,141,285$16,755,473$1,500,735$315,764,119
97$749,281,873$17,342,668$1,317,186$347,270,452
98$825,467,435$17,951,270$1,120,123$381,968,740
99$909,416,328$18,582,096$908,861$420,183,867
100$1,001,920,170$19,235,995$682,685$462,273,834