Can I retire at age 35 with 2,250,000?

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 $2,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$185,803$184,148$182,533$180,957$179,418$175,437
2 years$91,982$90,269$88,608$86,999$85,437$81,447
3 years$60,712$58,991$57,335$55,741$54,205$50,330
4 years$45,080$43,365$41,726$40,158$38,659$34,930
5 years$35,704$33,999$32,381$30,845$29,388$25,815
6 years$29,455$27,762$26,168$24,667$23,254$19,840
7 years$24,993$23,315$21,746$20,280$18,912$15,658
8 years$21,648$19,985$18,442$17,013$15,689$12,594
9 years$19,048$17,401$15,884$14,491$13,212$10,275
10 years$16,969$15,338$13,848$12,491$11,258$8,473
11 years$15,269$13,654$12,192$10,871$9,682$7,048
12 years$13,853$12,255$10,820$9,536$8,390$5,902
13 years$12,657$11,075$9,667$8,418$7,316$4,969
14 years$11,632$10,067$8,686$7,473$6,414$4,203
15 years$10,744$9,197$7,842$6,665$5,647$3,568
16 years$9,968$8,438$7,110$5,967$4,991$3,038
17 years$9,285$7,771$6,470$5,362$4,425$2,594
18 years$8,677$7,181$5,906$4,832$3,935$2,219
19 years$8,135$6,655$5,407$4,366$3,507$1,902
20 years$7,647$6,184$4,962$3,954$3,133$1,633
21 years$7,206$5,760$4,564$3,589$2,803$1,404
22 years$6,806$5,377$4,207$3,263$2,513$1,208
23 years$6,441$5,029$3,884$2,972$2,256$1,041
24 years$6,108$4,712$3,592$2,710$2,027$897
25 years$5,801$4,422$3,327$2,475$1,824$774
26 years$5,518$4,156$3,086$2,263$1,643$668
27 years$5,257$3,911$2,865$2,072$1,482$577
28 years$5,015$3,685$2,664$1,898$1,337$499
29 years$4,790$3,477$2,479$1,741$1,207$431
30 years$4,580$3,283$2,309$1,597$1,091$373
31 years$4,384$3,104$2,152$1,467$986$322
32 years$4,201$2,937$2,008$1,348$892$279
33 years$4,029$2,781$1,875$1,240$807$241
34 years$3,868$2,636$1,752$1,141$731$209
35 years$3,716$2,500$1,638$1,050$662$181
36 years$3,574$2,373$1,532$967$600$157
37 years$3,439$2,254$1,434$891$544$136
38 years$3,311$2,142$1,343$821$493$117
39 years$3,190$2,037$1,258$757$447$102
40 years$3,076$1,938$1,179$699$405$88
41 years$2,968$1,845$1,106$644$368$76
42 years$2,865$1,757$1,037$595$334$66
43 years$2,767$1,674$973$549$303$57
44 years$2,673$1,596$914$507$275$50
45 years$2,584$1,522$858$468$250$43
46 years$2,500$1,451$806$432$227$37
47 years$2,419$1,385$757$400$206$32
48 years$2,341$1,322$711$369$187$28
49 years$2,268$1,263$669$341$170$24
50 years$2,197$1,206$629$315$154$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,250,000, adding $3,601 every year, while hoping to spend $29,406 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: 44/42/14 Blend
34$2,250,000$2,250,000$2,250,000$2,250,000
35$2,483,214$2,363,964$2,329,089$2,582,312
36$2,705,215$2,448,511$2,375,826$2,736,423
37$2,948,873$2,536,215$2,423,143$2,900,124
38$3,216,368$2,627,199$2,471,028$3,076,912
39$3,510,099$2,721,593$2,519,469$3,268,007
40$3,832,709$2,819,531$2,568,451$3,474,747
41$4,187,109$2,921,152$2,617,958$3,698,602
42$4,576,508$3,026,602$2,667,973$3,941,190
43$5,004,438$3,136,031$2,718,476$4,204,288
44$5,474,792$3,249,599$2,769,447$4,489,849
45$5,991,859$3,367,467$2,820,862$4,800,023
46$6,560,364$3,489,809$2,872,696$5,137,172
47$7,185,513$3,616,801$2,924,923$5,503,896
48$7,873,040$3,748,629$2,977,513$5,903,052
49$8,629,266$3,885,488$3,030,435$6,337,785
50$9,461,151$4,027,577$3,083,655$6,811,555
51$10,376,368$4,175,107$3,137,136$7,328,169
52$11,383,367$4,328,297$3,190,840$7,891,816
53$12,491,461$4,487,374$3,244,724$8,507,105
54$13,710,911$4,652,576$3,298,743$9,179,110
55$15,053,022$4,824,151$3,352,850$9,913,414
56$16,530,253$5,002,357$3,406,992$10,716,166
57$18,156,328$5,187,462$3,461,116$11,594,131
58$19,946,372$5,379,746$3,515,162$12,554,757
59$21,917,051$5,579,503$3,569,069$13,606,245
60$24,086,728$5,787,036$3,622,771$14,757,624
61$26,475,638$6,002,664$3,676,197$16,018,836
62$29,106,076$6,226,718$3,729,273$17,400,826
63$32,002,612$6,459,543$3,781,919$18,915,648
64$35,192,317$6,701,499$3,834,052$20,576,577
65$38,705,023$6,952,963$3,885,583$22,398,228
66$42,573,603$7,214,326$3,936,418$24,396,702
67$46,834,279$7,485,996$3,986,456$26,589,726
68$51,526,966$7,768,401$4,035,593$28,996,829
69$56,695,649$8,061,984$4,083,717$31,639,516
70$62,388,794$8,367,211$4,130,711$34,541,477
71$68,659,811$8,684,564$4,176,450$37,728,804
72$75,567,554$9,014,550$4,220,803$41,230,237
73$83,176,877$9,357,695$4,263,632$45,077,437
74$91,559,245$9,714,549$4,304,791$49,305,275
75$100,793,413$10,085,686$4,344,126$53,952,170
76$110,966,162$10,471,706$4,381,475$59,060,441
77$122,173,123$10,873,232$4,416,667$64,676,708
78$134,519,680$11,290,919$4,449,524$70,852,332
79$148,121,960$11,725,447$4,479,855$77,643,892
80$163,107,932$12,177,526$4,507,463$85,113,725
81$179,618,616$12,647,900$4,532,138$93,330,503
82$197,809,411$13,137,342$4,553,660$102,369,887
83$217,851,561$13,646,663$4,571,799$112,315,234
84$239,933,778$14,176,707$4,586,311$123,258,383
85$264,264,013$14,728,355$4,596,943$135,300,517
86$291,071,427$15,302,530$4,603,425$148,553,120
87$320,608,551$15,900,192$4,605,478$163,139,022
88$353,153,669$16,522,347$4,602,807$179,193,557
89$389,013,444$17,170,043$4,595,102$196,865,839
90$428,525,817$17,844,376$4,582,040$216,320,164
91$472,063,191$18,546,491$4,563,279$237,737,558
92$520,035,951$19,277,584$4,538,463$261,317,485
93$572,896,336$20,038,903$4,507,219$287,279,722
94$631,142,707$20,831,754$4,469,156$315,866,434
95$695,324,252$21,657,499$4,423,861$347,344,453
96$766,046,172$22,517,563$4,370,907$382,007,793
97$843,975,391$23,413,433$4,309,842$420,180,424
98$929,846,855$24,346,665$4,240,196$462,219,324
99$1,024,470,466$25,318,884$4,161,474$508,517,844
100$1,128,738,731$26,331,787$4,073,161$559,509,415