Can I retire at age 35 with 2,130,000?

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 $2,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$175,893$174,327$172,798$171,306$169,849$163,498
2 years$87,076$85,454$83,883$82,359$80,881$74,554
3 years$57,474$55,845$54,278$52,768$51,314$45,212
4 years$42,676$41,052$39,500$38,016$36,598$30,766
5 years$33,799$32,185$30,654$29,200$27,821$22,275
6 years$27,884$26,282$24,773$23,352$22,014$16,758
7 years$23,660$22,071$20,586$19,199$17,903$12,936
8 years$20,493$18,919$17,459$16,105$14,852$10,169
9 years$18,032$16,473$15,037$13,718$12,508$8,101
10 years$16,064$14,520$13,110$11,825$10,657$6,520
11 years$14,455$12,926$11,542$10,291$9,166$5,288
12 years$13,115$11,602$10,243$9,027$7,943$4,316
13 years$11,982$10,485$9,151$7,969$6,926$3,539
14 years$11,011$9,530$8,223$7,074$6,071$2,914
15 years$10,171$8,706$7,424$6,309$5,346$2,406
16 years$9,437$7,988$6,731$5,649$4,725$1,993
17 years$8,789$7,356$6,125$5,076$4,189$1,653
18 years$8,215$6,798$5,591$4,574$3,725$1,374
19 years$7,701$6,300$5,118$4,133$3,320$1,144
20 years$7,239$5,854$4,697$3,743$2,966$953
21 years$6,822$5,453$4,321$3,397$2,654$795
22 years$6,443$5,090$3,982$3,089$2,379$664
23 years$6,098$4,761$3,677$2,813$2,135$555
24 years$5,782$4,460$3,400$2,566$1,919$463
25 years$5,491$4,186$3,150$2,343$1,727$388
26 years$5,224$3,934$2,921$2,143$1,556$324
27 years$4,977$3,702$2,712$1,961$1,403$271
28 years$4,747$3,489$2,522$1,797$1,266$227
29 years$4,534$3,291$2,347$1,648$1,143$190
30 years$4,336$3,108$2,186$1,512$1,033$159
31 years$4,150$2,938$2,038$1,389$934$133
32 years$3,977$2,780$1,901$1,276$844$112
33 years$3,815$2,633$1,775$1,174$764$94
34 years$3,662$2,495$1,659$1,080$692$78
35 years$3,518$2,367$1,551$994$627$66
36 years$3,383$2,247$1,451$916$568$55
37 years$3,255$2,134$1,358$844$515$46
38 years$3,135$2,028$1,271$778$467$39
39 years$3,020$1,928$1,191$717$423$32
40 years$2,912$1,835$1,117$661$384$27
41 years$2,809$1,746$1,047$610$348$23
42 years$2,712$1,663$982$563$316$19
43 years$2,619$1,585$922$520$287$16
44 years$2,531$1,510$865$480$260$13
45 years$2,447$1,440$812$443$236$11
46 years$2,366$1,374$763$409$215$9
47 years$2,290$1,311$717$378$195$8
48 years$2,217$1,252$674$350$177$7
49 years$2,147$1,195$633$323$161$6
50 years$2,080$1,142$595$299$146$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,130,000, adding $4,137 every year, while hoping to spend $41,024 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: 66/17/17 Blend
34$2,130,000$2,130,000$2,130,000$2,130,000
35$2,351,527$2,238,637$2,205,622$2,496,699
36$2,547,734$2,304,681$2,235,861$2,660,392
37$2,762,579$2,372,587$2,265,739$2,834,123
38$2,997,919$2,442,401$2,295,198$3,023,033
39$3,255,802$2,514,173$2,324,182$3,228,606
40$3,538,479$2,587,953$2,352,628$3,452,481
41$3,848,433$2,663,792$2,380,470$3,696,459
42$4,188,396$2,741,741$2,407,639$3,962,526
43$4,561,380$2,821,854$2,434,063$4,252,868
44$4,970,700$2,904,184$2,459,663$4,569,894
45$5,420,008$2,988,786$2,484,358$4,916,254
46$5,913,328$3,075,715$2,508,063$5,294,870
47$6,455,092$3,165,030$2,530,688$5,708,961
48$7,050,182$3,256,786$2,552,136$6,162,070
49$7,703,976$3,351,044$2,572,308$6,658,103
50$8,422,399$3,447,863$2,591,098$7,201,361
51$9,211,979$3,547,304$2,608,395$7,796,583
52$10,079,906$3,649,427$2,624,082$8,448,990
53$11,034,104$3,754,297$2,638,036$9,164,334
54$12,083,301$3,861,975$2,650,128$9,948,952
55$13,237,113$3,972,527$2,660,223$10,809,826
56$14,506,134$4,086,017$2,668,177$11,754,649
57$15,902,040$4,202,512$2,673,840$12,791,896
58$17,437,691$4,322,078$2,677,057$13,930,907
59$19,127,257$4,444,782$2,677,660$15,181,972
60$20,986,354$4,570,692$2,675,478$16,556,429
61$23,032,184$4,699,878$2,670,329$18,066,771
62$25,283,704$4,832,409$2,662,021$19,726,763
63$27,761,798$4,968,354$2,650,356$21,551,575
64$30,489,482$5,107,784$2,635,124$23,557,921
65$33,492,113$5,250,769$2,616,104$25,764,218
66$36,797,633$5,397,381$2,593,067$28,190,761
67$40,436,829$5,547,690$2,565,773$30,859,914
68$44,443,627$5,701,769$2,533,968$33,796,320
69$48,855,409$5,859,687$2,497,388$37,027,134
70$53,713,367$6,021,518$2,455,757$40,582,280
71$59,062,890$6,187,332$2,408,784$44,494,732
72$64,953,993$6,357,199$2,356,166$48,800,828
73$71,441,789$6,531,191$2,297,586$53,540,609
74$78,587,008$6,709,376$2,232,713$58,758,201
75$86,456,572$6,891,825$2,161,198$64,502,227
76$95,124,223$7,078,604$2,082,678$70,826,270
77$104,671,220$7,269,782$1,996,774$77,789,379
78$115,187,107$7,465,424$1,903,089$85,456,621
79$126,770,557$7,665,595$1,801,207$93,899,703
80$139,530,300$7,870,356$1,690,694$103,197,643
81$153,586,156$8,079,768$1,571,098$113,437,518
82$169,070,158$8,293,891$1,441,943$124,715,286
83$186,127,801$8,512,779$1,302,736$137,136,694
84$204,919,418$8,736,486$1,152,958$150,818,271
85$225,621,687$8,965,062$992,070$165,888,436
86$248,429,302$9,198,553$819,508$182,488,702
87$273,556,812$9,437,003$634,682$200,775,019
88$301,240,641$9,680,450$436,978$220,919,244
89$331,741,323$9,928,929$225,754$243,110,761
90$365,345,959$10,182,468$338$267,558,274
91$402,370,930$10,441,093$0$294,491,773
92$443,164,878$10,704,819$0$324,208,282
93$488,112,001$10,973,660$0$356,946,428
94$537,635,675$11,247,620$0$393,014,083
95$592,202,456$11,526,695$0$432,750,577
96$652,326,479$11,810,876$0$476,529,851
97$718,574,313$12,100,141$0$524,763,976
98$791,570,307$12,394,463$0$577,907,049
99$872,002,487$12,693,800$0$636,459,475
100$960,629,048$12,998,104$0$700,972,697