Can I retire at age 35 with 2,150,000?

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 $2,150,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$177,545$175,964$174,421$172,915$171,444$165,230
2 years$87,894$86,257$84,670$83,132$81,640$75,447
3 years$58,014$56,370$54,787$53,263$51,796$45,819
4 years$43,077$41,438$39,871$38,373$36,941$31,227
5 years$34,117$32,488$30,942$29,474$28,082$22,645
6 years$28,145$26,529$25,005$23,571$22,220$17,064
7 years$23,882$22,279$20,780$19,379$18,071$13,194
8 years$20,686$19,097$17,623$16,257$14,992$10,390
9 years$18,201$16,627$15,178$13,847$12,625$8,293
10 years$16,215$14,656$13,233$11,936$10,757$6,687
11 years$14,590$13,048$11,650$10,388$9,252$5,435
12 years$13,238$11,711$10,339$9,112$8,017$4,444
13 years$12,094$10,583$9,237$8,044$6,991$3,652
14 years$11,115$9,620$8,300$7,141$6,128$3,013
15 years$10,267$8,788$7,494$6,368$5,396$2,494
16 years$9,525$8,063$6,794$5,702$4,769$2,069
17 years$8,872$7,425$6,182$5,123$4,229$1,721
18 years$8,292$6,861$5,644$4,617$3,760$1,433
19 years$7,773$6,359$5,166$4,172$3,351$1,196
20 years$7,307$5,909$4,742$3,779$2,993$999
21 years$6,886$5,504$4,361$3,429$2,679$835
22 years$6,504$5,138$4,020$3,118$2,401$699
23 years$6,155$4,805$3,711$2,840$2,155$585
24 years$5,836$4,502$3,432$2,590$1,937$490
25 years$5,543$4,225$3,179$2,365$1,743$411
26 years$5,273$3,971$2,948$2,163$1,570$345
27 years$5,023$3,737$2,738$1,980$1,416$289
28 years$4,792$3,522$2,545$1,814$1,277$243
29 years$4,577$3,322$2,369$1,663$1,153$204
30 years$4,376$3,137$2,206$1,526$1,042$171
31 years$4,189$2,966$2,057$1,402$942$144
32 years$4,014$2,806$1,919$1,288$852$121
33 years$3,850$2,658$1,792$1,185$771$101
34 years$3,696$2,519$1,674$1,090$698$85
35 years$3,551$2,389$1,565$1,003$633$71
36 years$3,415$2,268$1,464$924$573$60
37 years$3,286$2,154$1,370$852$519$50
38 years$3,164$2,047$1,283$785$471$42
39 years$3,049$1,946$1,202$724$427$36
40 years$2,939$1,852$1,127$667$387$30
41 years$2,836$1,763$1,057$616$351$25
42 years$2,737$1,679$991$568$319$21
43 years$2,644$1,599$930$525$289$18
44 years$2,555$1,525$873$484$263$15
45 years$2,470$1,454$820$447$238$13
46 years$2,389$1,387$770$413$217$11
47 years$2,311$1,324$723$382$197$9
48 years$2,237$1,264$680$353$179$7
49 years$2,167$1,207$639$326$162$6
50 years$2,099$1,153$601$301$147$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,150,000, adding $5,042 every year, while hoping to spend $34,027 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: 59/22/19 Blend
34$2,150,000$2,150,000$2,150,000$2,150,000
35$2,374,501$2,260,551$2,227,226$2,502,490
36$2,580,495$2,335,113$2,265,633$2,664,375
37$2,806,361$2,412,189$2,304,187$2,836,674
38$3,054,089$2,491,865$2,342,856$3,023,814
39$3,325,871$2,574,232$2,381,607$3,227,233
40$3,624,123$2,659,383$2,420,405$3,448,517
41$3,951,507$2,747,415$2,459,211$3,689,411
42$4,310,951$2,838,429$2,497,985$3,951,836
43$4,705,685$2,932,529$2,536,685$4,237,906
44$5,139,266$3,029,824$2,575,264$4,549,950
45$5,615,609$3,130,424$2,613,674$4,890,531
46$6,139,032$3,234,445$2,651,863$5,262,472
47$6,714,290$3,342,009$2,689,776$5,668,881
48$7,346,619$3,453,239$2,727,356$6,113,182
49$8,041,791$3,568,265$2,764,539$6,599,144
50$8,806,164$3,687,220$2,801,262$7,130,920
51$9,646,743$3,810,244$2,837,454$7,713,082
52$10,571,244$3,937,480$2,873,042$8,350,666
53$11,588,172$4,069,077$2,907,950$9,049,222
54$12,706,894$4,205,190$2,942,095$9,814,859
55$13,937,732$4,345,980$2,975,390$10,654,309
56$15,292,061$4,491,613$3,007,745$11,574,988
57$16,782,410$4,642,261$3,039,064$12,585,064
58$18,422,587$4,798,103$3,069,244$13,693,535
59$20,227,807$4,959,325$3,098,179$14,910,315
60$22,214,831$5,126,120$3,125,756$16,246,327
61$24,402,131$5,298,687$3,151,856$17,713,601
62$26,810,059$5,477,234$3,176,354$19,325,395
63$29,461,042$5,661,975$3,199,119$21,096,313
64$32,379,790$5,853,134$3,220,011$23,042,447
65$35,593,533$6,050,941$3,238,886$25,181,525
66$39,132,274$6,255,638$3,255,589$27,533,080
67$43,029,075$6,467,474$3,269,961$30,118,635
68$47,320,367$6,686,706$3,281,831$32,961,903
69$52,046,294$6,913,604$3,291,021$36,089,013
70$57,251,092$7,148,447$3,297,347$39,528,753
71$62,983,505$7,391,523$3,300,610$43,312,845
72$69,297,248$7,643,134$3,300,606$47,476,241
73$76,251,510$7,903,590$3,297,119$52,057,456
74$83,911,514$8,173,215$3,289,922$57,098,926
75$92,349,132$8,452,347$3,278,778$62,647,413
76$101,643,565$8,741,333$3,263,438$68,754,442
77$111,882,086$9,040,536$3,243,641$75,476,792
78$123,160,870$9,350,332$3,219,114$82,877,024
79$135,585,893$9,671,114$3,189,569$91,024,079
80$149,273,942$10,003,286$3,154,707$99,993,922
81$164,353,708$10,347,270$3,114,214$109,870,262
82$180,967,005$10,703,506$3,067,759$120,745,342
83$199,270,109$11,072,447$3,014,998$132,720,805
84$219,435,230$11,454,567$2,955,570$145,908,658
85$241,652,140$11,850,357$2,889,099$160,432,327
86$266,129,962$12,260,328$2,815,187$176,427,820
87$293,099,145$12,685,011$2,733,423$194,045,012
88$322,813,638$13,124,957$2,643,373$213,449,059
89$355,553,289$13,580,740$2,544,586$234,821,954
90$391,626,483$14,052,955$2,436,588$258,364,250
91$431,373,055$14,542,221$2,318,885$284,296,948
92$475,167,499$15,049,182$2,190,960$312,863,581
93$523,422,500$15,574,508$2,052,273$344,332,520
94$576,592,830$16,118,894$1,902,259$378,999,498
95$635,179,643$16,683,063$1,740,329$417,190,406
96$699,735,202$17,267,769$1,565,866$459,264,369
97$770,868,097$17,873,794$1,378,226$505,617,134
98$849,248,983$18,501,951$1,176,737$556,684,804
99$935,616,919$19,153,086$960,697$612,947,958
100$1,030,786,337$19,828,079$729,373$674,936,184