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%19.6%
1 years$165,158$163,687$162,252$160,851$159,483$153,337
2 years$81,761$80,239$78,763$77,332$75,944$69,826
3 years$53,966$52,437$50,965$49,547$48,182$42,283
4 years$40,071$38,547$37,089$35,696$34,364$28,730
5 years$31,737$30,221$28,783$27,418$26,123$20,768
6 years$26,182$24,678$23,261$21,926$20,670$15,598
7 years$22,216$20,724$19,330$18,027$16,810$12,020
8 years$19,243$17,765$16,393$15,122$13,946$9,432
9 years$16,931$15,467$14,120$12,881$11,744$7,500
10 years$15,083$13,634$12,310$11,103$10,007$6,025
11 years$13,572$12,137$10,837$9,663$8,606$4,877
12 years$12,314$10,894$9,618$8,476$7,458$3,972
13 years$11,250$9,845$8,593$7,483$6,503$3,251
14 years$10,339$8,949$7,721$6,643$5,701$2,671
15 years$9,550$8,175$6,971$5,924$5,020$2,201
16 years$8,861$7,500$6,320$5,304$4,436$1,819
17 years$8,253$6,907$5,751$4,766$3,934$1,506
18 years$7,713$6,383$5,250$4,295$3,497$1,249
19 years$7,231$5,915$4,806$3,881$3,117$1,037
20 years$6,797$5,497$4,411$3,515$2,785$862
21 years$6,406$5,120$4,057$3,190$2,492$717
22 years$6,050$4,779$3,739$2,900$2,234$598
23 years$5,726$4,470$3,452$2,642$2,005$498
24 years$5,429$4,188$3,193$2,409$1,802$415
25 years$5,156$3,930$2,957$2,200$1,622$346
26 years$4,905$3,694$2,743$2,012$1,461$289
27 years$4,673$3,476$2,547$1,841$1,317$241
28 years$4,458$3,276$2,368$1,687$1,188$202
29 years$4,258$3,090$2,203$1,547$1,073$168
30 years$4,071$2,919$2,052$1,420$970$141
31 years$3,897$2,759$1,913$1,304$877$117
32 years$3,734$2,611$1,785$1,198$793$98
33 years$3,582$2,472$1,667$1,102$718$82
34 years$3,438$2,343$1,557$1,014$650$69
35 years$3,304$2,222$1,456$933$588$57
36 years$3,176$2,109$1,362$860$533$48
37 years$3,057$2,003$1,275$792$483$40
38 years$2,943$1,904$1,194$730$438$33
39 years$2,836$1,811$1,119$673$397$28
40 years$2,734$1,723$1,048$621$360$23
41 years$2,638$1,640$983$573$327$20
42 years$2,546$1,562$922$529$297$16
43 years$2,459$1,488$865$488$269$14
44 years$2,376$1,418$812$451$244$11
45 years$2,297$1,352$763$416$222$10
46 years$2,222$1,290$716$384$201$8
47 years$2,150$1,231$673$355$183$7
48 years$2,081$1,175$632$328$166$6
49 years$2,016$1,122$594$303$151$5
50 years$1,953$1,072$559$280$137$4

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 $3,592 every year, while hoping to spend $41,068 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: 57/37/6 Blend
34$2,000,000$2,000,000$2,000,000$2,000,000
35$2,207,705$2,101,705$2,070,705$2,330,597
36$2,389,195$2,160,993$2,096,378$2,472,912
37$2,587,820$2,221,809$2,121,534$2,622,949
38$2,805,286$2,284,185$2,146,113$2,785,393
39$3,043,468$2,348,154$2,170,051$2,961,432
40$3,304,435$2,413,746$2,193,280$3,152,372
41$3,590,461$2,480,994$2,215,730$3,359,652
42$3,904,056$2,549,929$2,237,324$3,584,854
43$4,247,978$2,620,585$2,257,983$3,829,720
44$4,625,271$2,692,993$2,277,625$4,096,168
45$5,039,284$2,767,184$2,296,160$4,386,310
46$5,493,706$2,843,192$2,313,497$4,702,469
47$5,992,603$2,921,047$2,329,537$5,047,205
48$6,540,450$3,000,780$2,344,179$5,423,337
49$7,142,182$3,082,424$2,357,315$5,833,967
50$7,803,230$3,166,008$2,368,830$6,282,515
51$8,529,580$3,251,563$2,378,607$6,772,744
52$9,327,826$3,339,119$2,386,519$7,308,799
53$10,205,232$3,428,704$2,392,435$7,895,247
54$11,169,802$3,520,346$2,396,218$8,537,119
55$12,230,352$3,614,074$2,397,722$9,239,953
56$13,396,598$3,709,913$2,396,795$10,009,853
57$14,679,241$3,807,888$2,393,278$10,853,542
58$16,090,073$3,908,025$2,387,002$11,778,426
59$17,642,088$4,010,345$2,377,794$12,792,663
60$19,349,598$4,114,870$2,365,468$13,905,244
61$21,228,378$4,221,619$2,349,831$15,126,070
62$23,295,804$4,330,610$2,330,682$16,466,053
63$25,571,025$4,441,858$2,307,809$17,937,212
64$28,075,138$4,555,378$2,280,989$19,552,792
65$30,831,391$4,671,181$2,249,991$21,327,385
66$33,865,398$4,789,274$2,214,571$23,277,071
67$37,205,384$4,909,663$2,174,475$25,419,563
68$40,882,449$5,032,352$2,129,435$27,774,382
69$44,930,860$5,157,339$2,079,173$30,363,037
70$49,388,380$5,284,621$2,023,397$33,209,226
71$54,296,615$5,414,188$1,961,801$36,339,063
72$59,701,415$5,546,028$1,894,067$39,781,324
73$65,653,300$5,680,125$1,819,859$43,567,716
74$72,207,942$5,816,456$1,738,830$47,733,178
75$79,426,685$5,954,994$1,650,613$52,316,210
76$87,377,125$6,095,708$1,554,827$57,359,236
77$96,133,751$6,238,557$1,451,073$62,909,006
78$105,778,644$6,383,496$1,338,934$69,017,035
79$116,402,253$6,530,475$1,217,975$75,740,091
80$128,104,246$6,679,432$1,087,741$83,140,728
81$140,994,455$6,830,300$947,757$91,287,882
82$155,193,908$6,983,003$797,525$100,257,515
83$170,835,973$7,137,457$636,528$110,133,335
84$188,067,616$7,293,565$464,226$121,007,588
85$207,050,787$7,451,224$280,051$132,981,925
86$227,963,950$7,610,317$83,416$146,168,367
87$251,003,766$7,770,716$0$160,690,357
88$276,386,949$7,932,280$0$176,692,021
89$304,352,313$8,094,856$0$194,321,397
90$335,163,021$8,258,276$0$213,738,379
91$369,109,074$8,422,357$0$235,125,057
92$406,510,047$8,586,900$0$258,682,092
93$447,718,102$8,751,688$0$284,630,606
94$493,121,316$8,916,488$0$313,214,276
95$543,147,341$9,081,047$0$344,701,628
96$598,267,441$9,245,089$0$379,388,578
97$659,000,942$9,408,321$0$417,601,218
98$725,920,132$9,570,423$0$459,698,903
99$799,655,664$9,731,052$0$506,077,639
100$880,902,509$9,889,840$0$557,173,820