Can I retire at age 35 with 2,190,000?

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 $2,190,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$180,848$179,237$177,666$176,132$174,634$172,024
2 years$89,529$87,861$86,245$84,679$83,159$80,536
3 years$59,093$57,418$55,807$54,254$52,759$50,204
4 years$43,878$42,209$40,613$39,087$37,628$35,161
5 years$34,751$33,092$31,517$30,023$28,605$26,232
6 years$28,669$27,022$25,471$24,009$22,634$20,358
7 years$24,326$22,693$21,166$19,739$18,407$16,230
8 years$21,071$19,452$17,951$16,559$15,271$13,192
9 years$18,540$16,937$15,461$14,105$12,860$10,878
10 years$16,516$14,929$13,479$12,158$10,957$9,071
11 years$14,862$13,290$11,867$10,581$9,424$7,631
12 years$13,484$11,929$10,531$9,281$8,166$6,465
13 years$12,319$10,780$9,409$8,194$7,121$5,509
14 years$11,321$9,799$8,454$7,274$6,242$4,716
15 years$10,458$8,951$7,633$6,487$5,496$4,054
16 years$9,703$8,213$6,920$5,808$4,858$3,496
17 years$9,037$7,564$6,297$5,219$4,307$3,023
18 years$8,446$6,989$5,749$4,703$3,830$2,621
19 years$7,918$6,477$5,263$4,250$3,414$2,276
20 years$7,443$6,019$4,830$3,849$3,049$1,981
21 years$7,014$5,607$4,442$3,493$2,729$1,726
22 years$6,625$5,234$4,094$3,176$2,446$1,506
23 years$6,270$4,895$3,780$2,892$2,195$1,316
24 years$5,945$4,586$3,496$2,638$1,973$1,151
25 years$5,646$4,304$3,238$2,409$1,776$1,007
26 years$5,371$4,045$3,003$2,203$1,599$882
27 years$5,117$3,807$2,789$2,016$1,442$773
28 years$4,881$3,587$2,593$1,847$1,301$678
29 years$4,662$3,384$2,413$1,694$1,175$594
30 years$4,458$3,196$2,247$1,555$1,062$522
31 years$4,267$3,021$2,095$1,428$960$458
32 years$4,089$2,859$1,955$1,312$868$402
33 years$3,922$2,707$1,825$1,207$786$353
34 years$3,765$2,566$1,705$1,110$711$310
35 years$3,617$2,434$1,594$1,022$644$273
36 years$3,478$2,310$1,491$941$584$240
37 years$3,347$2,194$1,396$867$529$211
38 years$3,223$2,085$1,307$799$480$185
39 years$3,105$1,983$1,225$737$435$163
40 years$2,994$1,886$1,148$680$395$143
41 years$2,888$1,795$1,076$627$358$126
42 years$2,788$1,710$1,010$579$325$111
43 years$2,693$1,629$948$534$295$98
44 years$2,602$1,553$889$493$268$86
45 years$2,516$1,481$835$456$243$76
46 years$2,433$1,413$784$421$221$67
47 years$2,354$1,348$737$389$200$59
48 years$2,279$1,287$692$359$182$52
49 years$2,207$1,229$651$332$165$45
50 years$2,138$1,174$612$307$150$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,190,000, adding $4,158 every year, while hoping to spend $50,561 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: 29/50/21 Blend
34$2,190,000$2,190,000$2,190,000$2,190,000
35$2,417,669$2,301,599$2,267,654$2,471,725
36$2,610,475$2,360,581$2,289,824$2,572,640
37$2,821,252$2,420,758$2,311,042$2,676,272
38$3,051,781$2,482,136$2,331,223$2,786,624
39$3,304,020$2,544,719$2,350,277$2,904,304
40$3,580,128$2,608,508$2,368,109$3,029,984
41$3,882,481$2,673,505$2,384,620$3,164,402
42$4,213,695$2,739,707$2,399,706$3,308,369
43$4,576,651$2,807,113$2,413,256$3,462,783
44$4,974,524$2,875,715$2,425,154$3,628,628
45$5,410,808$2,945,508$2,435,279$3,806,992
46$5,889,353$3,016,480$2,443,503$3,999,072
47$6,414,398$3,088,619$2,449,692$4,206,187
48$6,990,614$3,161,909$2,453,704$4,429,791
49$7,623,146$3,236,331$2,455,392$4,671,487
50$8,317,660$3,311,865$2,454,601$4,933,041
51$9,080,399$3,388,483$2,451,167$5,216,398
52$9,918,238$3,466,158$2,444,920$5,523,704
53$10,838,754$3,544,855$2,435,681$5,857,324
54$11,850,291$3,624,537$2,423,260$6,219,864
55$12,962,043$3,705,162$2,407,462$6,614,198
56$14,184,140$3,786,683$2,388,080$7,043,493
57$15,527,739$3,869,048$2,364,898$7,511,242
58$17,005,135$3,952,198$2,337,689$8,021,294
59$18,629,873$4,036,070$2,306,215$8,577,892
60$20,416,876$4,120,593$2,270,230$9,185,717
61$22,382,586$4,205,691$2,229,471$9,849,924
62$24,545,119$4,291,279$2,183,667$10,576,201
63$26,924,435$4,377,265$2,132,534$11,370,817
64$29,542,526$4,463,550$2,075,772$12,240,683
65$32,423,624$4,550,024$2,013,071$13,193,418
66$35,594,428$4,636,570$1,944,104$14,237,423
67$39,084,358$4,723,060$1,868,529$15,381,959
68$42,925,829$4,809,355$1,785,991$16,637,236
69$47,154,557$4,895,308$1,696,116$18,014,508
70$51,809,900$4,980,757$1,598,514$19,526,186
71$56,935,224$5,065,528$1,492,778$21,185,948
72$62,578,314$5,149,435$1,378,483$23,008,877
73$68,791,823$5,232,279$1,255,183$25,011,597
74$75,633,771$5,313,843$1,122,414$27,212,438
75$83,168,092$5,393,897$979,691$29,631,605
76$91,465,233$5,472,193$826,506$32,291,373
77$100,602,823$5,548,467$662,330$35,216,296
78$110,666,403$5,622,435$486,611$38,433,443
79$121,750,235$5,693,792$298,771$41,972,654
80$133,958,187$5,762,216$98,208$45,866,824
81$147,404,717$5,827,360$0$50,152,212
82$162,215,952$5,888,854$0$54,894,744
83$178,530,875$5,946,304$0$60,137,699
84$196,502,640$5,999,288$0$65,907,771
85$216,300,016$6,047,360$0$72,258,660
86$238,108,979$6,090,042$0$79,249,547
87$262,134,466$6,126,826$0$86,945,660
88$288,602,312$6,157,170$0$95,418,885
89$317,761,377$6,180,501$0$104,748,450
90$349,885,898$6,196,206$0$115,021,675
91$385,278,075$6,203,636$0$126,334,794
92$424,270,925$6,202,100$0$138,793,868
93$467,231,422$6,190,866$0$152,515,791
94$514,563,962$6,169,154$0$167,629,388
95$566,714,182$6,136,138$0$184,276,642
96$624,173,163$6,090,943$0$202,614,031
97$687,482,064$6,032,638$0$222,814,011
98$757,237,236$5,960,238$0$245,066,642
99$834,095,843$5,872,699$0$269,581,394
100$918,782,071$5,768,913$0$296,589,119