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

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 $2,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$165,158$163,687$162,252$160,851$159,483$155,250
2 years$81,761$80,239$78,763$77,332$75,944$71,709
3 years$53,966$52,437$50,965$49,547$48,182$44,077
4 years$40,071$38,547$37,089$35,696$34,364$30,421
5 years$31,737$30,221$28,783$27,418$26,123$22,353
6 years$26,182$24,678$23,261$21,926$20,670$17,076
7 years$22,216$20,724$19,330$18,027$16,810$13,393
8 years$19,243$17,765$16,393$15,122$13,946$10,704
9 years$16,931$15,467$14,120$12,881$11,744$8,674
10 years$15,083$13,634$12,310$11,103$10,007$7,105
11 years$13,572$12,137$10,837$9,663$8,606$5,868
12 years$12,314$10,894$9,618$8,476$7,458$4,879
13 years$11,250$9,845$8,593$7,483$6,503$4,078
14 years$10,339$8,949$7,721$6,643$5,701$3,423
15 years$9,550$8,175$6,971$5,924$5,020$2,884
16 years$8,861$7,500$6,320$5,304$4,436$2,436
17 years$8,253$6,907$5,751$4,766$3,934$2,064
18 years$7,713$6,383$5,250$4,295$3,497$1,751
19 years$7,231$5,915$4,806$3,881$3,117$1,489
20 years$6,797$5,497$4,411$3,515$2,785$1,268
21 years$6,406$5,120$4,057$3,190$2,492$1,080
22 years$6,050$4,779$3,739$2,900$2,234$922
23 years$5,726$4,470$3,452$2,642$2,005$787
24 years$5,429$4,188$3,193$2,409$1,802$673
25 years$5,156$3,930$2,957$2,200$1,622$575
26 years$4,905$3,694$2,743$2,012$1,461$492
27 years$4,673$3,476$2,547$1,841$1,317$422
28 years$4,458$3,276$2,368$1,687$1,188$361
29 years$4,258$3,090$2,203$1,547$1,073$309
30 years$4,071$2,919$2,052$1,420$970$265
31 years$3,897$2,759$1,913$1,304$877$227
32 years$3,734$2,611$1,785$1,198$793$195
33 years$3,582$2,472$1,667$1,102$718$167
34 years$3,438$2,343$1,557$1,014$650$143
35 years$3,304$2,222$1,456$933$588$123
36 years$3,176$2,109$1,362$860$533$105
37 years$3,057$2,003$1,275$792$483$90
38 years$2,943$1,904$1,194$730$438$78
39 years$2,836$1,811$1,119$673$397$67
40 years$2,734$1,723$1,048$621$360$57
41 years$2,638$1,640$983$573$327$49
42 years$2,546$1,562$922$529$297$42
43 years$2,459$1,488$865$488$269$36
44 years$2,376$1,418$812$451$244$31
45 years$2,297$1,352$763$416$222$27
46 years$2,222$1,290$716$384$201$23
47 years$2,150$1,231$673$355$183$20
48 years$2,081$1,175$632$328$166$17
49 years$2,016$1,122$594$303$151$14
50 years$1,953$1,072$559$280$137$12

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 $5,241 every year, while hoping to spend $21,979 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: 85/7/8 Blend
34$2,000,000$2,000,000$2,000,000$2,000,000
35$2,209,406$2,103,406$2,072,406$2,394,849
36$2,411,380$2,183,088$2,118,446$2,596,367
37$2,633,219$2,265,937$2,165,292$2,814,189
38$2,876,925$2,352,086$2,212,947$3,052,805
39$3,144,706$2,441,672$2,261,415$3,314,294
40$3,438,991$2,534,840$2,310,698$3,600,942
41$3,762,460$2,631,739$2,360,799$3,915,270
42$4,118,063$2,732,526$2,411,717$4,260,054
43$4,509,050$2,837,364$2,463,454$4,638,349
44$4,939,002$2,946,423$2,516,009$5,053,524
45$5,411,865$3,059,883$2,569,380$5,509,287
46$5,931,986$3,177,929$2,623,565$6,009,723
47$6,504,155$3,300,754$2,678,562$6,559,333
48$7,133,650$3,428,561$2,734,364$7,163,075
49$7,826,284$3,561,563$2,790,967$7,826,411
50$8,588,464$3,699,978$2,848,363$8,555,357
51$9,427,250$3,844,039$2,906,546$9,356,542
52$10,350,418$3,993,987$2,965,504$10,237,268
53$11,366,540$4,150,071$3,025,228$11,205,581
54$12,485,058$4,312,556$3,085,704$12,270,344
55$13,716,378$4,481,715$3,146,919$13,441,323
56$15,071,964$4,657,835$3,208,856$14,729,278
57$16,564,451$4,841,214$3,271,499$16,146,062
58$18,207,758$5,032,167$3,334,828$17,704,737
59$20,017,225$5,231,019$3,398,820$19,419,692
60$22,009,755$5,438,112$3,463,453$21,306,785
61$24,203,971$5,653,801$3,528,701$23,383,484
62$26,620,399$5,878,459$3,594,534$25,669,040
63$29,281,652$6,112,476$3,660,924$28,184,662
64$32,212,651$6,356,258$3,727,835$30,953,720
65$35,440,856$6,610,230$3,795,233$34,001,964
66$38,996,528$6,874,835$3,863,077$37,357,769
67$42,913,010$7,150,539$3,931,327$41,052,399
68$47,227,047$7,437,825$3,999,936$45,120,305
69$51,979,128$7,737,201$4,068,856$49,599,445
70$57,213,872$8,049,196$4,138,036$54,531,649
71$62,980,445$8,374,365$4,207,418$59,963,008
72$69,333,027$8,713,286$4,276,943$65,944,310
73$76,331,323$9,066,564$4,346,548$72,531,518
74$84,041,124$9,434,832$4,416,164$79,786,302
75$92,534,932$9,818,751$4,485,718$87,776,616
76$101,892,638$10,219,013$4,555,133$96,577,339
77$112,202,283$10,636,341$4,624,326$106,270,985
78$123,560,885$11,071,491$4,693,210$116,948,480
79$136,075,355$11,525,253$4,761,692$128,710,017
80$149,863,505$11,998,455$4,829,672$141,666,005
81$165,055,163$12,491,960$4,897,047$155,938,107
82$181,793,396$13,006,672$4,963,704$171,660,392
83$200,235,861$13,543,537$5,029,527$188,980,598
84$220,556,292$14,103,544$5,094,389$208,061,524
85$242,946,144$14,687,727$5,158,161$229,082,570
86$267,616,393$15,297,169$5,220,702$252,241,427
87$294,799,534$15,932,999$5,281,865$277,755,944
88$324,751,774$16,596,403$5,341,494$305,866,183
89$357,755,446$17,288,618$5,399,426$336,836,685
90$394,121,682$18,010,941$5,455,487$370,958,967
91$434,193,341$18,764,725$5,509,493$408,554,271
92$478,348,254$19,551,388$5,561,254$449,976,598
93$527,002,785$20,372,415$5,610,564$495,616,051
94$580,615,762$21,229,357$5,657,212$545,902,509
95$639,692,813$22,123,838$5,700,971$601,309,695
96$704,791,131$23,057,557$5,741,604$662,359,638
97$776,524,741$24,032,293$5,778,863$729,627,606
98$855,570,294$25,049,905$5,812,485$803,747,532
99$942,673,455$26,112,341$5,842,194$885,418,002
100$1,038,655,941$27,221,639$5,867,701$975,408,843