Can I retire at age 35 with 2,200,000?

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 $2,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$181,674$180,056$178,477$176,936$175,431$171,190
2 years$89,938$88,263$86,639$85,065$83,539$79,291
3 years$59,363$57,681$56,061$54,502$53,000$48,880
4 years$44,078$42,401$40,798$39,266$37,800$33,838
5 years$34,910$33,243$31,661$30,160$28,735$24,942
6 years$28,800$27,146$25,587$24,119$22,737$19,117
7 years$24,437$22,797$21,263$19,830$18,491$15,045
8 years$21,167$19,541$18,033$16,635$15,340$12,066
9 years$18,624$17,014$15,531$14,169$12,919$9,814
10 years$16,592$14,997$13,541$12,214$11,007$8,068
11 years$14,930$13,351$11,921$10,630$9,467$6,690
12 years$13,546$11,983$10,580$9,324$8,204$5,584
13 years$12,375$10,829$9,452$8,231$7,154$4,686
14 years$11,373$9,843$8,493$7,307$6,271$3,950
15 years$10,505$8,992$7,668$6,516$5,521$3,341
16 years$9,747$8,250$6,952$5,835$4,880$2,835
17 years$9,078$7,598$6,326$5,243$4,327$2,412
18 years$8,485$7,021$5,775$4,725$3,847$2,056
19 years$7,954$6,507$5,287$4,269$3,429$1,756
20 years$7,477$6,047$4,852$3,866$3,063$1,502
21 years$7,046$5,632$4,463$3,509$2,741$1,286
22 years$6,655$5,257$4,113$3,191$2,457$1,102
23 years$6,298$4,917$3,798$2,906$2,205$946
24 years$5,972$4,607$3,512$2,650$1,982$812
25 years$5,672$4,323$3,253$2,420$1,784$698
26 years$5,396$4,063$3,017$2,213$1,607$600
27 years$5,140$3,824$2,802$2,026$1,449$516
28 years$4,903$3,603$2,604$1,856$1,307$444
29 years$4,683$3,399$2,424$1,702$1,180$382
30 years$4,478$3,210$2,258$1,562$1,066$329
31 years$4,287$3,035$2,105$1,434$964$284
32 years$4,108$2,872$1,964$1,318$872$244
33 years$3,940$2,719$1,833$1,212$789$211
34 years$3,782$2,577$1,713$1,115$715$182
35 years$3,634$2,445$1,602$1,027$647$156
36 years$3,494$2,320$1,498$946$586$135
37 years$3,362$2,204$1,402$871$532$116
38 years$3,238$2,094$1,313$803$482$100
39 years$3,120$1,992$1,230$740$437$86
40 years$3,008$1,895$1,153$683$396$75
41 years$2,902$1,804$1,081$630$360$64
42 years$2,801$1,718$1,014$582$326$55
43 years$2,705$1,637$952$537$296$48
44 years$2,614$1,560$893$496$269$41
45 years$2,527$1,488$839$458$244$36
46 years$2,444$1,419$788$423$222$31
47 years$2,365$1,354$740$391$201$27
48 years$2,289$1,293$696$361$183$23
49 years$2,217$1,235$654$334$166$20
50 years$2,148$1,179$615$308$151$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,200,000, adding $2,972 every year, while hoping to spend $33,373 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: 79/11/10 Blend
34$2,200,000$2,200,000$2,200,000$2,200,000
35$2,427,466$2,310,866$2,276,766$2,614,984
36$2,639,558$2,388,589$2,317,529$2,816,254
37$2,872,166$2,469,003$2,358,539$3,032,375
38$3,127,346$2,552,203$2,399,769$3,268,495
39$3,407,365$2,638,290$2,441,190$3,526,594
40$3,714,717$2,727,368$2,482,771$3,808,855
41$4,052,154$2,819,544$2,524,479$4,117,680
42$4,422,702$2,914,931$2,566,279$4,455,715
43$4,829,700$3,013,644$2,608,131$4,825,875
44$5,276,821$3,115,805$2,649,995$5,231,370
45$5,768,116$3,221,538$2,691,828$5,675,733
46$6,308,043$3,330,973$2,733,584$6,162,858
47$6,901,518$3,444,245$2,775,214$6,697,035
48$7,553,954$3,561,495$2,816,665$7,282,986
49$8,271,316$3,682,867$2,857,882$7,925,917
50$9,060,175$3,808,512$2,898,806$8,631,559
51$9,927,771$3,938,586$2,939,373$9,406,227
52$10,882,080$4,073,254$2,979,519$10,256,877
53$11,931,892$4,212,683$3,019,173$11,191,173
54$13,086,890$4,357,049$3,058,260$12,217,558
55$14,357,742$4,506,534$3,096,701$13,345,334
56$15,756,205$4,661,328$3,134,414$14,584,747
57$17,295,232$4,821,627$3,171,311$15,947,089
58$18,989,094$4,987,635$3,207,298$17,444,798
59$20,853,517$5,159,564$3,242,278$19,091,579
60$22,905,828$5,337,636$3,276,147$20,902,532
61$25,165,121$5,522,078$3,308,796$22,894,294
62$27,652,433$5,713,129$3,340,110$25,085,197
63$30,390,945$5,911,037$3,369,968$27,495,437
64$33,406,202$6,116,058$3,398,242$30,147,269
65$36,726,349$6,328,459$3,424,798$33,065,215
66$40,382,401$6,548,519$3,449,494$36,276,292
67$44,408,535$6,776,525$3,472,181$39,810,271
68$48,842,410$7,012,779$3,492,702$43,699,957
69$53,725,521$7,257,591$3,510,894$47,981,495
70$59,103,598$7,511,286$3,526,582$52,694,714
71$65,027,028$7,774,202$3,539,585$57,883,502
72$71,551,335$8,046,689$3,549,712$63,596,218
73$78,737,706$8,329,111$3,556,763$69,886,152
74$86,653,563$8,621,849$3,560,525$76,812,021
75$95,373,203$8,925,295$3,560,779$84,438,531
76$104,978,497$9,239,862$3,557,292$92,836,980
77$115,559,663$9,565,975$3,549,821$102,085,935
78$127,216,119$9,904,078$3,538,110$112,271,972
79$140,057,419$10,254,633$3,521,893$123,490,493
80$154,204,287$10,618,121$3,500,887$135,846,624
81$169,789,757$10,995,042$3,474,800$149,456,211
82$186,960,429$11,385,916$3,443,323$164,446,908
83$205,877,852$11,791,285$3,406,132$180,959,385
84$226,720,046$12,211,712$3,362,892$199,148,656
85$249,683,188$12,647,783$3,313,246$219,185,538
86$274,983,458$13,100,109$3,256,824$241,258,266
87$302,859,081$13,569,325$3,193,239$265,574,269
88$333,572,579$14,056,093$3,122,083$292,362,126
89$367,413,242$14,561,102$3,042,933$321,873,725
90$404,699,866$15,085,069$2,955,344$354,386,639
91$445,783,754$15,628,739$2,858,851$390,206,745
92$491,052,041$16,192,892$2,752,966$429,671,115
93$540,931,342$16,778,335$2,637,183$473,151,192
94$595,891,778$17,385,914$2,510,968$521,056,298
95$656,451,421$18,016,505$2,373,767$573,837,499
96$723,181,175$18,671,023$2,224,998$631,991,861
97$796,710,174$19,350,421$2,064,053$696,067,141
98$877,731,712$20,055,693$1,890,300$766,666,959
99$967,009,796$20,787,871$1,703,074$844,456,493
100$1,065,386,353$21,548,034$1,501,685$930,168,762