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%18.6%
1 years$181,674$180,056$178,477$176,936$175,431$169,341
2 years$89,938$88,263$86,639$85,065$83,539$77,466
3 years$59,363$57,681$56,061$54,502$53,000$47,136
4 years$44,078$42,401$40,798$39,266$37,800$32,189
5 years$34,910$33,243$31,661$30,160$28,735$23,392
6 years$28,800$27,146$25,587$24,119$22,737$17,666
7 years$24,437$22,797$21,263$19,830$18,491$13,691
8 years$21,167$19,541$18,033$16,635$15,340$10,807
9 years$18,624$17,014$15,531$14,169$12,919$8,647
10 years$16,592$14,997$13,541$12,214$11,007$6,990
11 years$14,930$13,351$11,921$10,630$9,467$5,695
12 years$13,546$11,983$10,580$9,324$8,204$4,670
13 years$12,375$10,829$9,452$8,231$7,154$3,848
14 years$11,373$9,843$8,493$7,307$6,271$3,184
15 years$10,505$8,992$7,668$6,516$5,521$2,642
16 years$9,747$8,250$6,952$5,835$4,880$2,199
17 years$9,078$7,598$6,326$5,243$4,327$1,834
18 years$8,485$7,021$5,775$4,725$3,847$1,532
19 years$7,954$6,507$5,287$4,269$3,429$1,282
20 years$7,477$6,047$4,852$3,866$3,063$1,074
21 years$7,046$5,632$4,463$3,509$2,741$901
22 years$6,655$5,257$4,113$3,191$2,457$756
23 years$6,298$4,917$3,798$2,906$2,205$635
24 years$5,972$4,607$3,512$2,650$1,982$534
25 years$5,672$4,323$3,253$2,420$1,784$449
26 years$5,396$4,063$3,017$2,213$1,607$378
27 years$5,140$3,824$2,802$2,026$1,449$318
28 years$4,903$3,603$2,604$1,856$1,307$268
29 years$4,683$3,399$2,424$1,702$1,180$225
30 years$4,478$3,210$2,258$1,562$1,066$190
31 years$4,287$3,035$2,105$1,434$964$160
32 years$4,108$2,872$1,964$1,318$872$135
33 years$3,940$2,719$1,833$1,212$789$114
34 years$3,782$2,577$1,713$1,115$715$96
35 years$3,634$2,445$1,602$1,027$647$81
36 years$3,494$2,320$1,498$946$586$68
37 years$3,362$2,204$1,402$871$532$57
38 years$3,238$2,094$1,313$803$482$48
39 years$3,120$1,992$1,230$740$437$41
40 years$3,008$1,895$1,153$683$396$34
41 years$2,902$1,804$1,081$630$360$29
42 years$2,801$1,718$1,014$582$326$24
43 years$2,705$1,637$952$537$296$21
44 years$2,614$1,560$893$496$269$17
45 years$2,527$1,488$839$458$244$15
46 years$2,444$1,419$788$423$222$12
47 years$2,365$1,354$740$391$201$10
48 years$2,289$1,293$696$361$183$9
49 years$2,217$1,235$654$334$166$7
50 years$2,148$1,179$615$308$151$6

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 $4,821 every year, while hoping to spend $55,527 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: 40/50/10 Blend
34$2,200,000$2,200,000$2,200,000$2,200,000
35$2,429,373$2,312,773$2,278,673$2,519,076
36$2,618,089$2,367,018$2,295,928$2,636,895
37$2,824,192$2,422,061$2,311,900$2,758,393
38$3,049,399$2,477,881$2,326,488$2,888,582
39$3,295,597$2,534,456$2,339,584$3,028,269
40$3,564,864$2,591,761$2,351,077$3,178,346
41$3,859,489$2,649,767$2,360,847$3,339,795
42$4,181,994$2,708,442$2,368,772$3,513,698
43$4,535,152$2,767,750$2,374,721$3,701,246
44$4,922,020$2,827,652$2,378,556$3,903,752
45$5,345,963$2,888,105$2,380,135$4,122,660
46$5,810,689$2,949,059$2,379,307$4,359,565
47$6,320,278$3,010,462$2,375,913$4,616,221
48$6,879,228$3,072,256$2,369,788$4,894,564
49$7,492,491$3,134,379$2,360,757$5,196,726
50$8,165,522$3,196,759$2,348,639$5,525,055
51$8,904,328$3,259,324$2,333,242$5,882,142
52$9,715,530$3,321,991$2,314,366$6,270,841
53$10,606,417$3,384,672$2,291,800$6,694,298
54$11,585,022$3,447,271$2,265,326$7,155,981
55$12,660,192$3,509,686$2,234,712$7,659,712
56$13,841,675$3,571,803$2,199,718$8,209,704
57$15,140,208$3,633,504$2,160,092$8,810,602
58$16,567,623$3,694,659$2,115,568$9,467,525
59$18,136,952$3,755,128$2,065,870$10,186,118
60$19,862,554$3,814,763$2,010,710$10,972,602
61$21,760,250$3,873,402$1,949,785$11,833,835
62$23,847,470$3,930,874$1,882,777$12,777,377
63$26,143,419$3,986,993$1,809,357$13,811,564
64$28,669,254$4,041,562$1,729,177$14,945,583
65$31,448,290$4,094,371$1,641,877$16,189,562
66$34,506,213$4,145,193$1,547,077$17,554,667
67$37,871,326$4,193,785$1,444,383$19,053,206
68$41,574,812$4,239,892$1,333,380$20,698,747
69$45,651,033$4,283,237$1,213,639$22,506,250
70$50,137,850$4,323,527$1,084,707$24,492,201
71$55,076,980$4,360,449$946,115$26,674,778
72$60,514,391$4,393,670$797,368$29,074,019
73$66,500,734$4,422,835$637,955$31,712,011
74$73,091,821$4,447,567$467,339$34,613,103
75$80,349,151$4,467,462$284,960$37,804,136
76$88,340,491$4,482,094$90,232$41,314,696
77$97,140,514$4,491,009$0$45,177,399
78$106,831,501$4,493,723$0$49,440,741
79$117,504,122$4,489,723$0$54,142,897
80$129,258,288$4,478,466$0$59,317,985
81$142,204,096$4,459,373$0$65,014,229
82$156,462,861$4,431,830$0$71,284,786
83$172,168,270$4,395,186$0$78,188,242
84$189,467,636$4,348,753$0$85,789,170
85$208,523,290$4,291,797$0$94,158,744
86$229,514,115$4,223,545$0$103,375,405
87$252,637,230$4,143,173$0$113,525,615
88$278,109,851$4,049,813$0$124,704,665
89$306,171,345$3,942,542$0$137,017,584
90$337,085,480$3,820,385$0$150,580,129
91$371,142,924$3,682,309$0$165,519,885
92$408,663,982$3,527,221$0$181,977,468
93$450,001,618$3,353,965$0$200,107,859
94$495,544,791$3,161,318$0$220,081,868
95$545,722,123$2,947,986$0$242,087,752
96$601,005,943$2,712,601$0$266,332,998
97$661,916,748$2,453,717$0$293,046,281
98$729,028,113$2,169,806$0$322,479,632
99$802,972,107$1,859,253$0$354,910,817
100$884,445,257$1,520,351$0$390,645,972