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

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 $2,050,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$169,287$167,779$166,308$164,872$163,470$158,364
2 years$83,805$82,245$80,732$79,265$77,843$72,744
3 years$55,315$53,748$52,239$50,786$49,387$44,455
4 years$41,073$39,510$38,017$36,589$35,223$30,496
5 years$32,530$30,977$29,502$28,104$26,776$22,267
6 years$26,836$25,295$23,842$22,475$21,187$16,900
7 years$22,771$21,242$19,813$18,478$17,231$13,165
8 years$19,724$18,209$16,803$15,500$14,294$10,447
9 years$17,355$15,854$14,472$13,203$12,038$8,405
10 years$15,460$13,974$12,617$11,381$10,257$6,833
11 years$13,912$12,441$11,108$9,905$8,821$5,600
12 years$12,622$11,166$9,858$8,688$7,644$4,619
13 years$11,532$10,091$8,808$7,670$6,666$3,830
14 years$10,598$9,172$7,914$6,809$5,843$3,188
15 years$9,789$8,379$7,145$6,072$5,145$2,663
16 years$9,082$7,688$6,478$5,437$4,547$2,231
17 years$8,459$7,080$5,895$4,885$4,032$1,873
18 years$7,906$6,542$5,381$4,402$3,585$1,575
19 years$7,412$6,063$4,926$3,978$3,195$1,327
20 years$6,967$5,634$4,521$3,603$2,854$1,120
21 years$6,566$5,248$4,158$3,270$2,554$946
22 years$6,201$4,899$3,833$2,973$2,289$799
23 years$5,869$4,582$3,539$2,708$2,055$676
24 years$5,565$4,293$3,273$2,469$1,847$572
25 years$5,285$4,029$3,031$2,255$1,662$485
26 years$5,028$3,786$2,811$2,062$1,497$411
27 years$4,790$3,563$2,611$1,887$1,350$348
28 years$4,569$3,358$2,427$1,729$1,218$295
29 years$4,364$3,168$2,258$1,586$1,100$251
30 years$4,173$2,992$2,104$1,455$994$213
31 years$3,995$2,828$1,961$1,337$898$180
32 years$3,828$2,676$1,830$1,228$813$153
33 years$3,671$2,534$1,708$1,130$736$130
34 years$3,524$2,402$1,596$1,039$666$110
35 years$3,386$2,278$1,492$957$603$94
36 years$3,256$2,162$1,396$881$546$80
37 years$3,133$2,054$1,307$812$495$68
38 years$3,017$1,952$1,224$748$449$57
39 years$2,907$1,856$1,146$690$407$49
40 years$2,803$1,766$1,075$636$369$41
41 years$2,704$1,681$1,008$587$335$35
42 years$2,610$1,601$945$542$304$30
43 years$2,521$1,525$887$500$276$25
44 years$2,436$1,454$833$462$250$22
45 years$2,355$1,386$782$427$227$18
46 years$2,277$1,322$734$394$206$16
47 years$2,204$1,262$690$364$187$13
48 years$2,133$1,205$648$336$170$11
49 years$2,066$1,150$609$311$155$10
50 years$2,002$1,099$573$287$140$8

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 $5,553 every year, while hoping to spend $47,572 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: 47/37/16 Blend
34$2,050,000$2,050,000$2,050,000$2,050,000
35$2,264,828$2,156,178$2,124,403$2,360,804
36$2,445,224$2,211,214$2,144,954$2,483,023
37$2,642,426$2,267,353$2,164,599$2,610,314
38$2,858,099$2,324,598$2,183,258$2,747,440
39$3,094,073$2,382,952$2,200,846$2,895,339
40$3,352,367$2,442,415$2,217,272$3,055,041
41$3,635,201$2,502,987$2,232,444$3,227,679
42$3,945,024$2,564,664$2,246,263$3,414,506
43$4,284,527$2,627,444$2,258,624$3,616,896
44$4,656,679$2,691,319$2,269,418$3,836,366
45$5,064,747$2,756,280$2,278,530$4,074,587
46$5,512,330$2,822,317$2,285,839$4,333,398
47$6,003,392$2,889,415$2,291,220$4,614,827
48$6,542,300$2,957,558$2,294,538$4,921,106
49$7,133,863$3,026,727$2,295,653$5,254,697
50$7,783,380$3,096,900$2,294,420$5,618,310
51$8,496,686$3,168,049$2,290,685$6,014,933
52$9,280,210$3,240,146$2,284,285$6,447,858
53$10,141,035$3,313,156$2,275,052$6,920,711
54$11,086,963$3,387,043$2,262,808$7,437,491
55$12,126,589$3,461,764$2,247,368$8,002,602
56$13,269,383$3,537,272$2,228,537$8,620,899
57$14,525,777$3,613,515$2,206,110$9,297,731
58$15,907,265$3,690,436$2,179,873$10,038,995
59$17,426,510$3,767,972$2,149,603$10,851,186
60$19,097,464$3,846,053$2,115,065$11,741,467
61$20,935,500$3,924,604$2,076,014$12,717,730
62$22,957,553$4,003,542$2,032,193$13,788,671
63$25,182,285$4,082,776$1,983,332$14,963,877
64$27,630,255$4,162,210$1,929,151$16,253,913
65$30,324,119$4,241,736$1,869,356$17,670,423
66$33,288,838$4,321,240$1,803,638$19,226,240
67$36,551,915$4,400,596$1,731,675$20,935,508
68$40,143,656$4,479,671$1,653,132$22,813,816
69$44,097,453$4,558,319$1,567,657$24,878,344
70$48,450,101$4,636,384$1,474,880$27,148,029
71$53,242,142$4,713,698$1,374,419$29,643,741
72$58,518,250$4,790,079$1,265,872$32,388,482
73$64,327,651$4,865,333$1,148,819$35,407,604
74$70,724,589$4,939,251$1,022,822$38,729,048
75$77,768,833$5,011,610$887,422$42,383,609
76$85,526,245$5,082,171$742,142$46,405,228
77$94,069,401$5,150,676$586,483$50,831,313
78$103,478,272$5,216,851$419,922$55,703,092
79$113,840,983$5,280,403$241,916$61,066,005
80$125,254,640$5,341,020$51,897$66,970,132
81$137,826,248$5,398,365$0$73,470,668
82$151,673,724$5,452,083$0$80,654,205
83$166,927,001$5,501,793$0$88,573,158
84$183,729,264$5,547,089$0$97,292,659
85$202,238,292$5,587,540$0$106,894,262
86$222,627,953$5,622,685$0$117,467,839
87$245,089,843$5,652,035$0$129,112,435
88$269,835,091$5,675,068$0$141,937,201
89$297,096,356$5,691,232$0$156,062,423
90$327,130,019$5,699,938$0$171,620,663
91$360,218,607$5,700,560$0$188,758,008
92$396,673,452$5,692,435$0$207,635,452
93$436,837,636$5,674,856$0$228,430,416
94$481,089,227$5,647,076$0$251,338,426
95$529,844,846$5,608,301$0$276,574,956
96$583,563,601$5,557,688$0$304,377,470
97$642,751,417$5,494,345$0$335,007,660
98$707,965,818$5,417,323$0$368,753,919
99$779,821,181$5,325,622$0$405,934,069
100$858,994,540$5,218,176$0$446,898,359