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

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$165,158$163,687$162,252$160,851$159,483$154,378
2 years$81,761$80,239$78,763$77,332$75,944$70,848
3 years$53,966$52,437$50,965$49,547$48,182$43,255
4 years$40,071$38,547$37,089$35,696$34,364$29,643
5 years$31,737$30,221$28,783$27,418$26,123$21,621
6 years$26,182$24,678$23,261$21,926$20,670$16,391
7 years$22,216$20,724$19,330$18,027$16,810$12,754
8 years$19,243$17,765$16,393$15,122$13,946$10,109
9 years$16,931$15,467$14,120$12,881$11,744$8,123
10 years$15,083$13,634$12,310$11,103$10,007$6,596
11 years$13,572$12,137$10,837$9,663$8,606$5,399
12 years$12,314$10,894$9,618$8,476$7,458$4,447
13 years$11,250$9,845$8,593$7,483$6,503$3,682
14 years$10,339$8,949$7,721$6,643$5,701$3,061
15 years$9,550$8,175$6,971$5,924$5,020$2,553
16 years$8,861$7,500$6,320$5,304$4,436$2,136
17 years$8,253$6,907$5,751$4,766$3,934$1,790
18 years$7,713$6,383$5,250$4,295$3,497$1,504
19 years$7,231$5,915$4,806$3,881$3,117$1,265
20 years$6,797$5,497$4,411$3,515$2,785$1,066
21 years$6,406$5,120$4,057$3,190$2,492$899
22 years$6,050$4,779$3,739$2,900$2,234$758
23 years$5,726$4,470$3,452$2,642$2,005$641
24 years$5,429$4,188$3,193$2,409$1,802$541
25 years$5,156$3,930$2,957$2,200$1,622$458
26 years$4,905$3,694$2,743$2,012$1,461$387
27 years$4,673$3,476$2,547$1,841$1,317$328
28 years$4,458$3,276$2,368$1,687$1,188$278
29 years$4,258$3,090$2,203$1,547$1,073$235
30 years$4,071$2,919$2,052$1,420$970$199
31 years$3,897$2,759$1,913$1,304$877$169
32 years$3,734$2,611$1,785$1,198$793$143
33 years$3,582$2,472$1,667$1,102$718$121
34 years$3,438$2,343$1,557$1,014$650$103
35 years$3,304$2,222$1,456$933$588$87
36 years$3,176$2,109$1,362$860$533$74
37 years$3,057$2,003$1,275$792$483$63
38 years$2,943$1,904$1,194$730$438$53
39 years$2,836$1,811$1,119$673$397$45
40 years$2,734$1,723$1,048$621$360$38
41 years$2,638$1,640$983$573$327$32
42 years$2,546$1,562$922$529$297$27
43 years$2,459$1,488$865$488$269$23
44 years$2,376$1,418$812$451$244$20
45 years$2,297$1,352$763$416$222$17
46 years$2,222$1,290$716$384$201$14
47 years$2,150$1,231$673$355$183$12
48 years$2,081$1,175$632$328$166$10
49 years$2,016$1,122$594$303$151$9
50 years$1,953$1,072$559$280$137$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,000,000, adding $2,663 every year, while hoping to spend $30,926 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: 63/19/18 Blend
34$2,000,000$2,000,000$2,000,000$2,000,000
35$2,206,747$2,100,747$2,069,747$2,335,572
36$2,398,930$2,170,778$2,106,178$2,492,571
37$2,609,679$2,243,205$2,142,794$2,660,215
38$2,840,856$2,318,111$2,179,567$2,842,567
39$3,094,510$2,395,585$2,216,469$3,041,063
40$3,372,899$2,475,718$2,253,469$3,257,282
41$3,678,510$2,558,604$2,290,536$3,492,965
42$4,014,083$2,644,340$2,327,634$3,750,025
43$4,382,636$2,733,030$2,364,726$4,030,573
44$4,787,494$2,824,777$2,401,774$4,336,930
45$5,232,318$2,919,691$2,438,733$4,671,653
46$5,721,145$3,017,886$2,475,561$5,037,557
47$6,258,419$3,119,480$2,512,209$5,437,744
48$6,849,036$3,224,593$2,548,627$5,875,627
49$7,498,393$3,333,353$2,584,761$6,354,968
50$8,212,433$3,445,891$2,620,554$6,879,909
51$8,997,704$3,562,343$2,655,946$7,455,013
52$9,861,424$3,682,851$2,690,874$8,085,306
53$10,811,539$3,807,562$2,725,269$8,776,324
54$11,856,811$3,936,627$2,759,060$9,534,164
55$13,006,889$4,070,205$2,792,172$10,365,545
56$14,272,406$4,208,460$2,824,524$11,277,866
57$15,665,079$4,351,562$2,856,033$12,279,279
58$17,197,817$4,499,687$2,886,610$13,378,767
59$18,884,843$4,653,021$2,916,160$14,586,223
60$20,741,830$4,811,752$2,944,585$15,912,548
61$22,786,048$4,976,080$2,971,780$17,369,752
62$25,036,526$5,146,208$2,997,635$18,971,066
63$27,514,231$5,322,352$3,022,035$20,731,069
64$30,242,267$5,504,732$3,044,858$22,665,821
65$33,246,093$5,693,578$3,065,976$24,793,022
66$36,553,762$5,889,130$3,085,252$27,132,168
67$40,196,184$6,091,636$3,102,547$29,704,744
68$44,207,422$6,301,354$3,117,710$32,534,422
69$48,625,011$6,518,552$3,130,585$35,647,284
70$53,490,309$6,743,508$3,141,006$39,072,070
71$58,848,892$6,976,511$3,148,802$42,840,447
72$64,750,981$7,217,863$3,153,789$46,987,308
73$71,251,919$7,467,876$3,155,778$51,551,100
74$78,412,686$7,726,873$3,154,568$56,574,190
75$86,300,483$7,995,193$3,149,950$62,103,260
76$94,989,361$8,273,187$3,141,702$68,189,750
77$104,560,922$8,561,218$3,129,594$74,890,342
78$115,105,084$8,859,666$3,113,384$82,267,494
79$126,720,938$9,168,925$3,092,818$90,390,033
80$139,517,676$9,489,405$3,067,629$99,333,798
81$153,615,624$9,821,531$3,037,540$109,182,361
82$169,147,378$10,165,746$3,002,258$120,027,812
83$186,259,054$10,522,511$2,961,477$131,971,628
84$205,111,668$10,892,305$2,914,877$145,125,633
85$225,882,656$11,275,625$2,862,123$159,613,050
86$248,767,546$11,672,991$2,802,864$175,569,667
87$273,981,809$12,084,940$2,736,733$193,145,113
88$301,762,886$12,512,035$2,663,346$212,504,277
89$332,372,433$12,954,857$2,582,301$233,828,857
90$366,098,790$13,414,014$2,493,177$257,319,079
91$403,259,704$13,890,138$2,395,535$283,195,587
92$444,205,324$14,383,885$2,288,916$311,701,522
93$489,321,511$14,895,939$2,172,838$343,104,818
94$539,033,477$15,427,012$2,046,800$377,700,732
95$593,809,800$15,977,844$1,910,277$415,814,630
96$654,166,848$16,549,207$1,762,720$457,805,057
97$720,673,651$17,141,903$1,603,555$504,067,121
98$793,957,274$17,756,767$1,432,185$555,036,225
99$874,708,737$18,394,669$1,247,984$611,192,173
100$963,689,535$19,056,514$1,050,298$673,063,701