Can I retire at age 35 with 2,050,000?

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 $2,050,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$169,287$167,779$166,308$164,872$163,470$157,419
2 years$83,805$82,245$80,732$79,265$77,843$71,815
3 years$55,315$53,748$52,239$50,786$49,387$43,572
4 years$41,073$39,510$38,017$36,589$35,223$29,665
5 years$32,530$30,977$29,502$28,104$26,776$21,490
6 years$26,836$25,295$23,842$22,475$21,187$16,176
7 years$22,771$21,242$19,813$18,478$17,231$12,493
8 years$19,724$18,209$16,803$15,500$14,294$9,827
9 years$17,355$15,854$14,472$13,203$12,038$7,834
10 years$15,460$13,974$12,617$11,381$10,257$6,308
11 years$13,912$12,441$11,108$9,905$8,821$5,120
12 years$12,622$11,166$9,858$8,688$7,644$4,181
13 years$11,532$10,091$8,808$7,670$6,666$3,431
14 years$10,598$9,172$7,914$6,809$5,843$2,827
15 years$9,789$8,379$7,145$6,072$5,145$2,336
16 years$9,082$7,688$6,478$5,437$4,547$1,936
17 years$8,459$7,080$5,895$4,885$4,032$1,608
18 years$7,906$6,542$5,381$4,402$3,585$1,337
19 years$7,412$6,063$4,926$3,978$3,195$1,114
20 years$6,967$5,634$4,521$3,603$2,854$929
21 years$6,566$5,248$4,158$3,270$2,554$775
22 years$6,201$4,899$3,833$2,973$2,289$648
23 years$5,869$4,582$3,539$2,708$2,055$542
24 years$5,565$4,293$3,273$2,469$1,847$453
25 years$5,285$4,029$3,031$2,255$1,662$379
26 years$5,028$3,786$2,811$2,062$1,497$317
27 years$4,790$3,563$2,611$1,887$1,350$266
28 years$4,569$3,358$2,427$1,729$1,218$223
29 years$4,364$3,168$2,258$1,586$1,100$187
30 years$4,173$2,992$2,104$1,455$994$156
31 years$3,995$2,828$1,961$1,337$898$131
32 years$3,828$2,676$1,830$1,228$813$110
33 years$3,671$2,534$1,708$1,130$736$92
34 years$3,524$2,402$1,596$1,039$666$77
35 years$3,386$2,278$1,492$957$603$65
36 years$3,256$2,162$1,396$881$546$54
37 years$3,133$2,054$1,307$812$495$46
38 years$3,017$1,952$1,224$748$449$38
39 years$2,907$1,856$1,146$690$407$32
40 years$2,803$1,766$1,075$636$369$27
41 years$2,704$1,681$1,008$587$335$23
42 years$2,610$1,601$945$542$304$19
43 years$2,521$1,525$887$500$276$16
44 years$2,436$1,454$833$462$250$13
45 years$2,355$1,386$782$427$227$11
46 years$2,277$1,322$734$394$206$9
47 years$2,204$1,262$690$364$187$8
48 years$2,133$1,205$648$336$170$7
49 years$2,066$1,150$609$311$155$6
50 years$2,002$1,099$573$287$140$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,050,000, adding $2,891 every year, while hoping to spend $55,723 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: 62/28/10 Blend
34$2,050,000$2,050,000$2,050,000$2,050,000
35$2,262,082$2,153,432$2,121,657$2,397,085
36$2,433,526$2,199,661$2,133,444$2,534,019
37$2,620,589$2,246,288$2,143,758$2,676,740
38$2,824,806$2,293,274$2,152,491$2,831,127
39$3,047,866$2,340,574$2,159,529$2,998,311
40$3,291,629$2,388,143$2,164,754$3,179,535
41$3,558,141$2,435,928$2,168,039$3,376,172
42$3,849,657$2,483,873$2,169,253$3,589,730
43$4,168,657$2,531,919$2,168,259$3,821,874
44$4,517,875$2,579,998$2,164,911$4,074,436
45$4,900,320$2,628,039$2,159,057$4,349,436
46$5,319,306$2,675,966$2,150,538$4,649,098
47$5,778,481$2,723,694$2,139,187$4,975,875
48$6,281,865$2,771,135$2,124,829$5,332,469
49$6,833,885$2,818,190$2,107,281$5,721,856
50$7,439,416$2,864,755$2,086,349$6,147,317
51$8,103,828$2,910,720$2,061,833$6,612,468
52$8,833,036$2,955,963$2,033,522$7,121,294
53$9,633,555$3,000,355$2,001,195$7,678,185
54$10,512,564$3,043,758$1,964,621$8,287,981
55$11,477,967$3,086,024$1,923,558$8,956,016
56$12,538,475$3,126,995$1,877,752$9,688,168
57$13,703,682$3,166,500$1,826,939$10,490,915
58$14,984,158$3,204,359$1,770,842$11,371,398
59$16,391,548$3,240,378$1,709,171$12,337,485
60$17,938,680$3,274,351$1,641,623$13,397,851
61$19,639,689$3,306,057$1,567,880$14,562,055
62$21,510,144$3,335,262$1,487,612$15,840,633
63$23,567,204$3,361,714$1,400,471$17,245,198
64$25,829,769$3,385,148$1,306,097$18,788,549
65$28,318,664$3,405,280$1,204,111$20,484,792
66$31,056,837$3,421,807$1,094,117$22,349,476
67$34,069,567$3,434,409$975,703$24,399,738
68$37,384,711$3,442,743$848,438$26,654,465
69$41,032,962$3,446,448$711,870$29,134,474
70$45,048,137$3,445,136$565,531$31,862,710
71$49,467,499$3,438,400$408,928$34,864,462
72$54,332,106$3,425,804$241,549$38,167,602
73$59,687,199$3,406,886$62,859$41,802,849
74$65,582,628$3,381,158$0$45,804,064
75$72,073,321$3,348,101$0$50,222,201
76$79,219,806$3,307,163$0$55,092,797
77$87,088,774$3,257,762$0$60,454,532
78$95,753,716$3,199,280$0$66,357,436
79$105,295,612$3,131,062$0$72,856,646
80$115,803,695$3,052,414$0$80,012,924
81$127,376,291$2,962,601$0$87,893,237
82$140,121,752$2,860,848$0$96,571,385
83$154,159,472$2,746,331$0$106,128,702
84$169,621,016$2,618,179$0$116,654,822
85$186,651,363$2,475,473$0$128,248,529
86$205,410,268$2,317,237$0$141,018,690
87$226,073,776$2,142,442$0$155,085,281
88$248,835,879$1,950,000$0$170,580,527
89$273,910,348$1,738,759$0$187,650,146
90$301,532,749$1,507,504$0$206,454,728
91$331,962,666$1,254,948$0$227,171,255
92$365,486,153$979,735$0$249,994,769
93$402,418,429$680,431$0$275,140,221
94$443,106,856$355,520$0$302,844,498
95$487,934,219$3,404$0$333,368,662
96$537,322,332$0$0$367,000,417
97$591,736,026$0$0$404,173,177
98$651,687,531$0$0$445,130,520
99$717,741,314$0$0$490,257,060
100$790,519,405$0$0$539,977,789