Can I retire at age 35 with 2,180,000?

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 $2,180,000?

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$180,022$178,419$176,854$175,327$173,836$167,535
2 years$89,120$87,460$85,852$84,292$82,779$76,500
3 years$58,823$57,156$55,552$54,007$52,519$46,459
4 years$43,678$42,016$40,427$38,909$37,457$31,663
5 years$34,593$32,941$31,373$29,886$28,474$22,961
6 years$28,538$26,899$25,354$23,900$22,530$17,302
7 years$24,215$22,590$21,070$19,649$18,323$13,379
8 years$20,974$19,363$17,869$16,483$15,201$10,535
9 years$18,455$16,859$15,390$14,040$12,801$8,409
10 years$16,441$14,861$13,418$12,103$10,907$6,780
11 years$14,794$13,230$11,813$10,533$9,381$5,510
12 years$13,422$11,874$10,483$9,239$8,129$4,506
13 years$12,263$10,731$9,366$8,157$7,089$3,703
14 years$11,270$9,754$8,416$7,240$6,214$3,055
15 years$10,410$8,910$7,598$6,457$5,471$2,528
16 years$9,658$8,175$6,889$5,782$4,836$2,098
17 years$8,996$7,529$6,269$5,195$4,288$1,745
18 years$8,407$6,957$5,722$4,682$3,812$1,453
19 years$7,882$6,448$5,239$4,230$3,398$1,213
20 years$7,409$5,992$4,808$3,831$3,035$1,013
21 years$6,982$5,581$4,422$3,477$2,716$847
22 years$6,594$5,210$4,076$3,162$2,435$709
23 years$6,241$4,872$3,763$2,879$2,185$593
24 years$5,918$4,565$3,480$2,626$1,964$497
25 years$5,620$4,284$3,223$2,398$1,768$417
26 years$5,347$4,026$2,990$2,193$1,592$349
27 years$5,093$3,789$2,776$2,007$1,435$293
28 years$4,859$3,571$2,581$1,839$1,295$246
29 years$4,641$3,369$2,402$1,686$1,170$206
30 years$4,438$3,181$2,237$1,548$1,057$173
31 years$4,248$3,007$2,086$1,421$955$146
32 years$4,070$2,846$1,946$1,306$864$122
33 years$3,904$2,695$1,817$1,201$782$103
34 years$3,748$2,554$1,698$1,105$708$86
35 years$3,601$2,422$1,587$1,017$641$72
36 years$3,462$2,299$1,485$937$581$61
37 years$3,332$2,184$1,390$863$527$51
38 years$3,208$2,075$1,301$796$478$43
39 years$3,091$1,973$1,219$734$433$36
40 years$2,980$1,878$1,143$677$393$30
41 years$2,875$1,787$1,072$624$356$25
42 years$2,775$1,702$1,005$576$323$21
43 years$2,681$1,622$943$532$293$18
44 years$2,590$1,546$885$491$266$15
45 years$2,504$1,474$831$454$242$13
46 years$2,422$1,406$781$419$220$11
47 years$2,344$1,342$734$387$199$9
48 years$2,269$1,281$689$358$181$8
49 years$2,197$1,223$648$331$164$6
50 years$2,128$1,169$609$306$149$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,180,000, adding $5,758 every year, while hoping to spend $43,590 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: 43/37/20 Blend
34$2,180,000$2,180,000$2,180,000$2,180,000
35$2,408,299$2,292,759$2,258,969$2,497,606
36$2,607,566$2,358,725$2,288,265$2,627,284
37$2,825,698$2,426,462$2,317,082$2,762,995
38$3,064,572$2,496,012$2,345,357$2,909,130
39$3,326,256$2,567,414$2,373,025$3,066,671
40$3,613,029$2,640,713$2,400,016$3,236,700
41$3,927,399$2,715,948$2,426,257$3,420,406
42$4,272,129$2,793,165$2,451,672$3,619,100
43$4,650,261$2,872,405$2,476,178$3,834,223
44$5,065,147$2,953,713$2,499,690$4,067,364
45$5,520,480$3,037,132$2,522,117$4,320,270
46$6,020,325$3,122,708$2,543,364$4,594,866
47$6,569,163$3,210,485$2,563,331$4,893,270
48$7,171,926$3,300,508$2,581,911$5,217,818
49$7,834,052$3,392,822$2,598,995$5,571,080
50$8,561,529$3,487,473$2,614,464$5,955,887
51$9,360,952$3,584,507$2,628,197$6,375,357
52$10,239,591$3,683,969$2,640,063$6,832,925
53$11,205,451$3,785,906$2,649,926$7,332,376
54$12,267,353$3,890,362$2,657,645$7,877,877
55$13,435,017$3,997,383$2,663,070$8,474,021
56$14,719,148$4,107,014$2,666,043$9,125,866
57$16,131,545$4,219,301$2,666,398$9,838,986
58$17,685,203$4,334,288$2,663,964$10,619,522
59$19,394,445$4,452,019$2,658,557$11,474,239
60$21,275,047$4,572,537$2,649,988$12,410,591
61$23,344,396$4,695,885$2,638,056$13,436,793
62$25,621,646$4,822,105$2,622,553$14,561,893
63$28,127,903$4,951,237$2,603,258$15,795,865
64$30,886,423$5,083,322$2,579,941$17,149,696
65$33,922,831$5,218,397$2,552,361$18,635,493
66$37,265,361$5,356,500$2,520,267$20,266,599
67$40,945,125$5,497,666$2,483,393$22,057,715
68$44,996,403$5,641,927$2,441,463$24,025,042
69$49,456,971$5,789,316$2,394,186$26,186,431
70$54,368,451$5,939,862$2,341,260$28,561,556
71$59,776,709$6,093,590$2,282,368$31,172,095
72$65,732,282$6,250,526$2,217,177$34,041,936
73$72,290,863$6,410,689$2,145,340$37,197,407
74$79,513,816$6,574,098$2,066,494$40,667,518
75$87,468,763$6,740,767$1,980,259$44,484,240
76$96,230,217$6,910,705$1,886,238$48,682,803
77$105,880,288$7,083,918$1,784,016$53,302,033
78$116,509,457$7,260,409$1,673,160$58,384,716
79$128,217,425$7,440,173$1,553,215$63,978,002
80$141,114,063$7,623,202$1,423,708$70,133,854
81$155,320,439$7,809,481$1,284,144$76,909,533
82$170,969,967$7,998,989$1,134,006$84,368,143
83$188,209,663$8,191,698$972,754$92,579,229
84$207,201,531$8,387,574$799,824$101,619,427
85$228,124,096$8,586,574$614,627$111,573,196
86$251,174,085$8,788,647$416,548$122,533,610
87$276,568,285$8,993,734$204,945$134,603,241
88$304,545,588$9,201,765$0$147,895,125
89$335,369,247$9,412,660$0$162,538,286
90$369,329,360$9,626,330$0$178,712,513
91$406,745,606$9,842,672$0$196,525,468
92$447,970,266$10,061,571$0$216,144,037
93$493,391,544$10,282,899$0$237,752,123
94$543,437,235$10,506,514$0$261,552,385
95$598,578,758$10,732,259$0$287,768,147
96$659,335,611$10,959,959$0$316,645,510
97$726,280,270$11,189,424$0$348,455,672
98$800,043,596$11,420,444$0$383,497,490
99$881,320,787$11,652,790$0$422,100,301
100$970,877,944$11,886,213$0$464,627,031