Can I retire at age 35 with 2,140,000?

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 $2,140,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$176,719$175,145$173,609$172,110$170,647$166,996
2 years$87,485$85,855$84,276$82,745$81,260$77,601
3 years$57,744$56,107$54,532$53,016$51,555$48,000
4 years$42,876$41,245$39,686$38,195$36,769$33,346
5 years$33,958$32,337$30,798$29,337$27,951$24,670
6 years$28,015$26,405$24,889$23,461$22,117$18,981
7 years$23,771$22,175$20,683$19,289$17,987$14,997
8 years$20,590$19,008$17,541$16,181$14,922$12,077
9 years$18,116$16,550$15,108$13,783$12,567$9,864
10 years$16,139$14,588$13,171$11,881$10,707$8,145
11 years$14,522$12,987$11,596$10,340$9,209$6,783
12 years$13,176$11,656$10,291$9,069$7,980$5,688
13 years$12,038$10,534$9,194$8,007$6,959$4,795
14 years$11,063$9,575$8,261$7,108$6,100$4,061
15 years$10,219$8,747$7,459$6,339$5,371$3,453
16 years$9,481$8,025$6,762$5,676$4,747$2,944
17 years$8,831$7,391$6,154$5,100$4,209$2,517
18 years$8,253$6,829$5,617$4,596$3,742$2,157
19 years$7,737$6,330$5,142$4,153$3,336$1,852
20 years$7,273$5,882$4,719$3,761$2,979$1,592
21 years$6,854$5,479$4,341$3,413$2,666$1,371
22 years$6,473$5,114$4,001$3,104$2,390$1,181
23 years$6,127$4,783$3,694$2,826$2,145$1,019
24 years$5,809$4,481$3,416$2,578$1,928$880
25 years$5,517$4,206$3,164$2,354$1,735$760
26 years$5,248$3,953$2,935$2,153$1,563$657
27 years$5,000$3,720$2,725$1,970$1,409$569
28 years$4,770$3,505$2,533$1,805$1,271$492
29 years$4,556$3,307$2,358$1,655$1,148$426
30 years$4,356$3,123$2,196$1,519$1,037$369
31 years$4,170$2,952$2,047$1,395$938$320
32 years$3,996$2,793$1,910$1,282$848$277
33 years$3,832$2,645$1,783$1,179$768$240
34 years$3,679$2,507$1,666$1,085$695$208
35 years$3,535$2,378$1,558$999$630$181
36 years$3,399$2,257$1,457$920$570$157
37 years$3,271$2,144$1,364$848$517$136
38 years$3,149$2,037$1,277$781$469$118
39 years$3,034$1,937$1,197$720$425$102
40 years$2,926$1,843$1,122$664$386$89
41 years$2,823$1,754$1,052$613$350$77
42 years$2,725$1,671$987$566$317$67
43 years$2,631$1,592$926$522$288$58
44 years$2,543$1,518$869$482$261$50
45 years$2,458$1,447$816$445$237$44
46 years$2,377$1,381$766$411$216$38
47 years$2,301$1,317$720$380$196$33
48 years$2,227$1,258$677$351$178$29
49 years$2,157$1,201$636$325$161$25
50 years$2,089$1,147$598$300$147$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,140,000, adding $4,666 every year, while hoping to spend $40,470 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: 72/15/13 Blend
34$2,140,000$2,140,000$2,140,000$2,140,000
35$2,363,093$2,249,673$2,216,503$2,526,347
36$2,561,069$2,316,847$2,247,696$2,702,266
37$2,777,882$2,385,957$2,278,578$2,889,433
38$3,015,410$2,457,053$2,309,095$3,093,304
39$3,275,724$2,530,190$2,339,191$3,315,521
40$3,561,100$2,605,423$2,368,807$3,557,894
41$3,874,050$2,682,806$2,397,879$3,822,414
42$4,217,337$2,762,397$2,426,342$4,111,274
43$4,594,005$2,844,254$2,454,124$4,426,889
44$5,007,407$2,928,437$2,481,151$4,771,921
45$5,461,239$3,015,006$2,507,346$5,149,298
46$5,959,568$3,104,024$2,532,625$5,562,249
47$6,506,878$3,195,555$2,556,902$6,014,327
48$7,108,105$3,289,663$2,580,083$6,509,450
49$7,768,689$3,386,414$2,602,074$7,051,930
50$8,494,623$3,485,876$2,622,771$7,646,519
51$9,292,509$3,588,117$2,642,067$8,298,451
52$10,169,618$3,693,209$2,659,851$9,013,495
53$11,133,966$3,801,222$2,676,002$9,798,002
54$12,194,378$3,912,230$2,690,396$10,658,972
55$13,360,582$4,026,307$2,702,902$11,604,117
56$14,643,294$4,143,529$2,713,381$12,641,933
57$16,054,321$4,263,972$2,721,690$13,781,781
58$17,606,670$4,387,716$2,727,675$15,033,974
59$19,314,676$4,514,839$2,731,178$16,409,876
60$21,194,130$4,645,423$2,732,029$17,922,007
61$23,262,433$4,779,551$2,730,054$19,584,165
62$25,538,758$4,917,306$2,725,068$21,411,548
63$28,044,230$5,058,772$2,716,877$23,420,908
64$30,802,127$5,204,037$2,705,277$25,630,699
65$33,838,096$5,353,188$2,690,057$28,061,258
66$37,180,401$5,506,313$2,670,992$30,734,993
67$40,860,181$5,663,502$2,647,850$33,676,595
68$44,911,751$5,824,845$2,620,385$36,913,272
69$49,372,923$5,990,435$2,588,340$40,475,006
70$54,285,359$6,160,364$2,551,448$44,394,832
71$59,694,970$6,334,727$2,509,426$48,709,156
72$65,652,345$6,513,617$2,461,980$53,458,091
73$72,213,230$6,697,130$2,408,802$58,685,843
74$79,439,052$6,885,362$2,349,569$64,441,124
75$87,397,501$7,078,409$2,283,945$70,777,609
76$96,163,164$7,276,370$2,211,575$77,754,450
77$105,818,235$7,479,341$2,132,092$85,436,828
78$116,453,287$7,687,420$2,045,108$93,896,569
79$128,168,123$7,900,704$1,950,221$103,212,826
80$141,072,726$8,119,293$1,847,007$113,472,820
81$155,288,289$8,343,284$1,735,027$124,772,668
82$170,948,363$8,572,773$1,613,819$137,218,289
83$188,200,116$8,807,859$1,482,901$150,926,402
84$207,205,720$9,048,636$1,341,771$166,025,630
85$228,143,886$9,295,202$1,189,903$182,657,712
86$251,211,545$9,547,649$1,026,747$200,978,846
87$276,625,710$9,806,072$851,731$221,161,154
88$304,625,524$10,070,560$664,255$243,394,316
89$335,474,514$10,341,205$463,694$267,887,358
90$369,463,082$10,618,092$249,396$294,870,622
91$406,911,245$10,901,307$20,680$324,597,943
92$448,171,653$11,190,931$0$357,349,047
93$493,632,919$11,487,045$0$393,463,177
94$543,723,289$11,789,722$0$433,254,115
95$598,914,681$12,099,035$0$477,093,440
96$659,727,140$12,415,049$0$525,393,787
97$726,733,750$12,737,828$0$578,609,872
98$800,566,039$13,067,429$0$637,242,783
99$881,919,943$13,403,901$0$701,844,712
100$971,562,375$13,747,289$0$773,024,164