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

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 $2,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$181,674$180,056$178,477$176,936$175,431$168,604
2 years$89,938$88,263$86,639$85,065$83,539$76,743
3 years$59,363$57,681$56,061$54,502$53,000$46,450
4 years$44,078$42,401$40,798$39,266$37,800$31,545
5 years$34,910$33,243$31,661$30,160$28,735$22,791
6 years$28,800$27,146$25,587$24,119$22,737$17,108
7 years$24,437$22,797$21,263$19,830$18,491$13,176
8 years$21,167$19,541$18,033$16,635$15,340$10,333
9 years$18,624$17,014$15,531$14,169$12,919$8,212
10 years$16,592$14,997$13,541$12,214$11,007$6,592
11 years$14,930$13,351$11,921$10,630$9,467$5,333
12 years$13,546$11,983$10,580$9,324$8,204$4,341
13 years$12,375$10,829$9,452$8,231$7,154$3,550
14 years$11,373$9,843$8,493$7,307$6,271$2,914
15 years$10,505$8,992$7,668$6,516$5,521$2,400
16 years$9,747$8,250$6,952$5,835$4,880$1,981
17 years$9,078$7,598$6,326$5,243$4,327$1,639
18 years$8,485$7,021$5,775$4,725$3,847$1,358
19 years$7,954$6,507$5,287$4,269$3,429$1,127
20 years$7,477$6,047$4,852$3,866$3,063$937
21 years$7,046$5,632$4,463$3,509$2,741$779
22 years$6,655$5,257$4,113$3,191$2,457$648
23 years$6,298$4,917$3,798$2,906$2,205$540
24 years$5,972$4,607$3,512$2,650$1,982$450
25 years$5,672$4,323$3,253$2,420$1,784$375
26 years$5,396$4,063$3,017$2,213$1,607$313
27 years$5,140$3,824$2,802$2,026$1,449$261
28 years$4,903$3,603$2,604$1,856$1,307$218
29 years$4,683$3,399$2,424$1,702$1,180$182
30 years$4,478$3,210$2,258$1,562$1,066$152
31 years$4,287$3,035$2,105$1,434$964$126
32 years$4,108$2,872$1,964$1,318$872$106
33 years$3,940$2,719$1,833$1,212$789$88
34 years$3,782$2,577$1,713$1,115$715$74
35 years$3,634$2,445$1,602$1,027$647$61
36 years$3,494$2,320$1,498$946$586$51
37 years$3,362$2,204$1,402$871$532$43
38 years$3,238$2,094$1,313$803$482$36
39 years$3,120$1,992$1,230$740$437$30
40 years$3,008$1,895$1,153$683$396$25
41 years$2,902$1,804$1,081$630$360$21
42 years$2,801$1,718$1,014$582$326$17
43 years$2,705$1,637$952$537$296$15
44 years$2,614$1,560$893$496$269$12
45 years$2,527$1,488$839$458$244$10
46 years$2,444$1,419$788$423$222$8
47 years$2,365$1,354$740$391$201$7
48 years$2,289$1,293$696$361$183$6
49 years$2,217$1,235$654$334$166$5
50 years$2,148$1,179$615$308$151$4

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 $5,258 every year, while hoping to spend $45,846 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: 63/7/30 Blend
34$2,200,000$2,200,000$2,200,000$2,200,000
35$2,429,824$2,313,224$2,279,124$2,563,010
36$2,628,886$2,377,792$2,306,694$2,718,714
37$2,846,716$2,443,987$2,333,652$2,883,283
38$3,085,180$2,511,841$2,359,928$3,062,092
39$3,346,332$2,581,385$2,385,450$3,256,546
40$3,632,435$2,652,651$2,410,140$3,468,195
41$3,945,981$2,725,668$2,433,917$3,698,747
42$4,289,715$2,800,470$2,456,697$3,950,083
43$4,666,658$2,877,085$2,478,389$4,224,275
44$5,080,141$2,955,546$2,498,899$4,523,608
45$5,533,830$3,035,882$2,518,126$4,850,600
46$6,031,764$3,118,124$2,535,967$5,208,024
47$6,578,391$3,202,300$2,552,309$5,598,936
48$7,178,614$3,288,439$2,567,038$6,026,707
49$7,837,830$3,376,569$2,580,031$6,495,047
50$8,561,986$3,466,719$2,591,160$7,008,048
51$9,357,634$3,558,914$2,600,289$7,570,220
52$10,231,991$3,653,179$2,607,278$8,186,530
53$11,193,009$3,749,540$2,611,976$8,862,455
54$12,249,448$3,848,019$2,614,229$9,604,031
55$13,410,958$3,948,638$2,613,872$10,417,907
56$14,688,172$4,051,418$2,610,733$11,311,415
57$16,092,805$4,156,376$2,604,632$12,292,633
58$17,637,763$4,263,531$2,595,379$13,370,464
59$19,337,267$4,372,896$2,582,777$14,554,721
60$21,206,984$4,484,484$2,566,616$15,856,218
61$23,264,178$4,598,306$2,546,679$17,286,874
62$25,527,870$4,714,368$2,522,738$18,859,823
63$28,019,016$4,832,676$2,494,554$20,589,543
64$30,760,710$4,953,231$2,461,875$22,491,988
65$33,778,395$5,076,031$2,424,440$24,584,741
66$37,100,106$5,201,072$2,381,974$26,887,181
67$40,756,736$5,328,343$2,334,189$29,420,665
68$44,782,323$5,457,832$2,280,785$32,208,732
69$49,214,375$5,589,521$2,221,446$35,277,322
70$54,094,220$5,723,386$2,155,843$38,655,025
71$59,467,398$5,859,400$2,083,632$42,373,350
72$65,384,091$5,997,530$2,004,452$46,467,020
73$71,899,594$6,137,734$1,917,927$50,974,306
74$79,074,838$6,279,968$1,823,662$55,937,384
75$86,976,963$6,424,178$1,721,247$61,402,737
76$95,679,954$6,570,304$1,610,249$67,421,592
77$105,265,338$6,718,277$1,490,221$74,050,404
78$115,822,950$6,868,021$1,360,692$81,351,393
79$127,451,787$7,019,449$1,221,171$89,393,130
80$140,260,934$7,172,467$1,071,144$98,251,182
81$154,370,599$7,326,968$910,078$108,008,832
82$169,913,247$7,482,836$737,412$118,757,863
83$187,034,845$7,639,942$552,562$130,599,425
84$205,896,245$7,798,145$354,919$143,644,992
85$226,674,699$7,957,292$143,846$158,017,413
86$249,565,533$8,117,213$0$173,852,079
87$274,783,986$8,277,726$0$191,324,253
88$302,567,250$8,438,631$0$210,623,140
89$333,176,697$8,599,712$0$231,884,093
90$366,900,358$8,760,736$0$255,307,059
91$404,055,631$8,921,448$0$281,112,374
92$444,992,281$9,081,575$0$309,542,846
93$490,095,744$9,240,822$0$340,866,042
94$539,790,759$9,398,872$0$375,376,818
95$594,545,381$9,555,381$0$413,400,097
96$654,875,397$9,709,982$0$455,293,941
97$721,349,195$9,862,279$0$501,452,929
98$794,593,132$10,011,849$0$552,311,880
99$875,297,438$10,158,237$0$608,349,960
100$964,222,742$10,300,956$0$670,095,202