Can I retire at age 35 with 2,100,000?

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 $2,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$173,416$171,871$170,364$168,893$167,457$162,815
2 years$85,850$84,251$82,701$81,199$79,741$75,099
3 years$56,665$55,059$53,513$52,025$50,591$46,094
4 years$42,075$40,474$38,944$37,481$36,082$31,765
5 years$33,323$31,732$30,222$28,789$27,429$23,303
6 years$27,491$25,912$24,424$23,023$21,704$17,774
7 years$23,327$21,761$20,296$18,928$17,651$13,916
8 years$20,205$18,653$17,213$15,878$14,643$11,102
9 years$17,778$16,241$14,825$13,525$12,332$8,981
10 years$15,837$14,315$12,925$11,659$10,507$7,342
11 years$14,251$12,744$11,379$10,146$9,037$6,053
12 years$12,930$11,438$10,099$8,900$7,831$5,022
13 years$11,813$10,337$9,023$7,857$6,829$4,189
14 years$10,856$9,396$8,107$6,975$5,986$3,509
15 years$10,028$8,583$7,319$6,220$5,271$2,950
16 years$9,304$7,875$6,636$5,570$4,658$2,487
17 years$8,666$7,253$6,039$5,004$4,130$2,102
18 years$8,099$6,702$5,512$4,510$3,672$1,780
19 years$7,592$6,211$5,046$4,075$3,273$1,510
20 years$7,137$5,772$4,631$3,691$2,924$1,282
21 years$6,726$5,376$4,260$3,350$2,616$1,091
22 years$6,352$5,018$3,926$3,045$2,345$928
23 years$6,012$4,694$3,625$2,774$2,105$791
24 years$5,700$4,398$3,353$2,530$1,892$674
25 years$5,414$4,127$3,105$2,310$1,703$575
26 years$5,150$3,879$2,880$2,112$1,534$491
27 years$4,906$3,650$2,674$1,934$1,383$419
28 years$4,680$3,440$2,486$1,772$1,248$358
29 years$4,470$3,245$2,313$1,625$1,127$306
30 years$4,275$3,064$2,155$1,491$1,018$262
31 years$4,092$2,897$2,009$1,369$920$224
32 years$3,921$2,741$1,874$1,258$833$191
33 years$3,761$2,596$1,750$1,157$753$164
34 years$3,610$2,460$1,635$1,065$682$140
35 years$3,469$2,334$1,529$980$618$120
36 years$3,335$2,215$1,430$903$560$102
37 years$3,209$2,104$1,339$832$507$88
38 years$3,090$1,999$1,254$767$460$75
39 years$2,978$1,901$1,174$707$417$64
40 years$2,871$1,809$1,101$652$378$55
41 years$2,770$1,722$1,032$602$343$47
42 years$2,674$1,640$968$555$311$40
43 years$2,582$1,562$909$512$283$34
44 years$2,495$1,489$853$473$257$30
45 years$2,412$1,420$801$437$233$25
46 years$2,333$1,355$752$404$211$22
47 years$2,258$1,293$707$373$192$19
48 years$2,185$1,234$664$345$174$16
49 years$2,116$1,179$624$318$158$14
50 years$2,050$1,126$587$294$144$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,100,000, adding $4,420 every year, while hoping to spend $28,125 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: 75/18/7 Blend
34$2,100,000$2,100,000$2,100,000$2,100,000
35$2,318,759$2,207,459$2,174,909$2,490,211
36$2,525,348$2,285,700$2,217,844$2,681,859
37$2,752,066$2,366,832$2,261,274$2,887,786
38$3,000,937$2,450,967$2,305,187$3,112,626
39$3,274,190$2,538,222$2,349,568$3,358,244
40$3,574,280$2,628,717$2,394,402$3,626,690
41$3,903,912$2,722,580$2,439,670$3,920,222
42$4,266,066$2,819,941$2,485,354$4,241,328
43$4,664,024$2,920,938$2,531,432$4,592,743
44$5,101,403$3,025,712$2,577,884$4,977,484
45$5,582,186$3,134,412$2,624,683$5,398,867
46$6,110,763$3,247,192$2,671,804$5,860,550
47$6,691,970$3,364,214$2,719,218$6,366,556
48$7,331,134$3,485,643$2,766,895$6,921,318
49$8,034,125$3,611,654$2,814,801$7,529,719
50$8,807,410$3,742,430$2,862,901$8,197,136
51$9,658,115$3,878,158$2,911,157$8,929,491
52$10,594,091$4,019,036$2,959,529$9,733,306
53$11,623,988$4,165,269$3,007,974$10,615,769
54$12,757,338$4,317,070$3,056,444$11,584,792
55$14,004,642$4,474,662$3,104,890$12,649,094
56$15,377,472$4,638,277$3,153,260$13,818,280
57$16,888,577$4,808,156$3,201,498$15,102,929
58$18,552,008$4,984,551$3,249,544$16,514,696
59$20,383,243$5,167,725$3,297,334$18,066,420
60$22,399,341$5,357,951$3,344,802$19,772,245
61$24,619,096$5,555,513$3,391,876$21,647,756
62$27,063,220$5,760,709$3,438,479$23,710,121
63$29,754,533$5,973,848$3,484,533$25,978,253
64$32,718,182$6,195,254$3,529,952$28,472,992
65$35,981,877$6,425,262$3,574,646$31,217,296
66$39,576,152$6,664,223$3,618,520$34,236,462
67$43,534,653$6,912,503$3,661,473$37,558,360
68$47,894,456$7,170,484$3,703,400$41,213,698
69$52,696,415$7,438,562$3,744,189$45,236,310
70$57,985,551$7,717,153$3,783,721$49,663,474
71$63,811,473$8,006,690$3,821,872$54,536,266
72$70,228,848$8,307,622$3,858,509$59,899,944
73$77,297,916$8,620,422$3,893,495$65,804,375
74$85,085,060$8,945,578$3,926,683$72,304,507
75$93,663,429$9,283,605$3,957,920$79,460,883
76$103,113,632$9,635,035$3,987,044$87,340,217
77$113,524,497$10,000,426$4,013,884$96,016,018
78$124,993,908$10,380,359$4,038,262$105,569,283
79$137,629,731$10,775,441$4,059,988$116,089,266
80$151,550,831$11,186,305$4,078,865$127,674,314
81$166,888,194$11,613,612$4,094,685$140,432,796
82$183,786,161$12,058,051$4,107,229$154,484,127
83$202,403,796$12,520,342$4,116,267$169,959,889
84$222,916,380$13,001,235$4,121,559$187,005,080
85$245,517,071$13,501,516$4,122,851$205,779,473
86$270,418,723$14,022,001$4,119,878$226,459,130
87$297,855,900$14,563,546$4,112,360$249,238,057
88$328,087,084$15,127,042$4,100,007$274,330,038
89$361,397,120$15,713,421$4,082,511$301,970,652
90$398,099,903$16,323,655$4,059,551$332,419,493
91$438,541,338$16,958,759$4,030,791$365,962,619
92$483,102,609$17,619,793$3,995,878$402,915,256
93$532,203,778$18,307,865$3,954,442$443,624,765
94$586,307,743$19,024,131$3,906,096$488,473,924
95$645,924,617$19,769,797$3,850,434$537,884,539
96$711,616,537$20,546,126$3,787,032$592,321,426
97$784,002,972$21,354,435$3,715,447$652,296,792
98$863,766,572$22,196,100$3,635,211$718,375,074
99$951,659,612$23,072,558$3,545,840$791,178,264
100$1,048,511,091$23,985,311$3,446,824$871,391,777