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

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 $2,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$185,803$184,148$182,533$180,957$179,418$177,250
2 years$91,982$90,269$88,608$86,999$85,437$83,255
3 years$60,712$58,991$57,335$55,741$54,205$52,076
4 years$45,080$43,365$41,726$40,158$38,659$36,601
5 years$35,704$33,999$32,381$30,845$29,388$27,407
6 years$29,455$27,762$26,168$24,667$23,254$21,351
7 years$24,993$23,315$21,746$20,280$18,912$17,088
8 years$21,648$19,985$18,442$17,013$15,689$13,945
9 years$19,048$17,401$15,884$14,491$13,212$11,547
10 years$16,969$15,338$13,848$12,491$11,258$9,670
11 years$15,269$13,654$12,192$10,871$9,682$8,170
12 years$13,853$12,255$10,820$9,536$8,390$6,953
13 years$12,657$11,075$9,667$8,418$7,316$5,951
14 years$11,632$10,067$8,686$7,473$6,414$5,119
15 years$10,744$9,197$7,842$6,665$5,647$4,421
16 years$9,968$8,438$7,110$5,967$4,991$3,831
17 years$9,285$7,771$6,470$5,362$4,425$3,330
18 years$8,677$7,181$5,906$4,832$3,935$2,901
19 years$8,135$6,655$5,407$4,366$3,507$2,533
20 years$7,647$6,184$4,962$3,954$3,133$2,215
21 years$7,206$5,760$4,564$3,589$2,803$1,941
22 years$6,806$5,377$4,207$3,263$2,513$1,703
23 years$6,441$5,029$3,884$2,972$2,256$1,495
24 years$6,108$4,712$3,592$2,710$2,027$1,315
25 years$5,801$4,422$3,327$2,475$1,824$1,157
26 years$5,518$4,156$3,086$2,263$1,643$1,019
27 years$5,257$3,911$2,865$2,072$1,482$898
28 years$5,015$3,685$2,664$1,898$1,337$792
29 years$4,790$3,477$2,479$1,741$1,207$698
30 years$4,580$3,283$2,309$1,597$1,091$616
31 years$4,384$3,104$2,152$1,467$986$544
32 years$4,201$2,937$2,008$1,348$892$481
33 years$4,029$2,781$1,875$1,240$807$425
34 years$3,868$2,636$1,752$1,141$731$376
35 years$3,716$2,500$1,638$1,050$662$332
36 years$3,574$2,373$1,532$967$600$294
37 years$3,439$2,254$1,434$891$544$260
38 years$3,311$2,142$1,343$821$493$230
39 years$3,190$2,037$1,258$757$447$203
40 years$3,076$1,938$1,179$699$405$180
41 years$2,968$1,845$1,106$644$368$159
42 years$2,865$1,757$1,037$595$334$141
43 years$2,767$1,674$973$549$303$125
44 years$2,673$1,596$914$507$275$110
45 years$2,584$1,522$858$468$250$98
46 years$2,500$1,451$806$432$227$86
47 years$2,419$1,385$757$400$206$77
48 years$2,341$1,322$711$369$187$68
49 years$2,268$1,263$669$341$170$60
50 years$2,197$1,206$629$315$154$53

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 $2,433 every year, while hoping to spend $33,341 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: 75/12/13 Blend
34$2,250,000$2,250,000$2,250,000$2,250,000
35$2,482,010$2,362,760$2,327,885$2,661,350
36$2,699,700$2,443,060$2,370,394$2,860,386
37$2,938,477$2,526,178$2,413,210$3,074,048
38$3,200,457$2,612,216$2,456,308$3,307,295
39$3,487,971$2,701,281$2,499,661$3,562,064
40$3,803,583$2,793,484$2,543,240$3,840,486
41$4,150,124$2,888,940$2,587,013$4,144,908
42$4,530,707$2,987,768$2,630,948$4,477,916
43$4,948,763$3,090,092$2,675,009$4,842,357
44$5,408,072$3,196,043$2,719,157$5,241,365
45$5,912,799$3,305,752$2,763,353$5,678,394
46$6,467,531$3,419,360$2,807,551$6,157,248
47$7,077,322$3,537,012$2,851,707$6,682,114
48$7,747,739$3,658,856$2,895,770$7,257,608
49$8,484,918$3,785,049$2,939,687$7,888,813
50$9,295,617$3,915,754$2,983,404$8,581,327
51$10,187,282$4,051,138$3,026,860$9,341,319
52$11,168,117$4,191,376$3,069,993$10,175,582
53$12,247,162$4,336,651$3,112,735$11,091,602
54$13,434,377$4,487,151$3,155,015$12,097,624
55$14,740,735$4,643,073$3,196,760$13,202,734
56$16,178,326$4,804,620$3,237,888$14,416,940
57$17,760,475$4,972,005$3,278,316$15,751,268
58$19,501,859$5,145,449$3,317,955$17,217,867
59$21,418,653$5,325,181$3,356,712$18,830,121
60$23,528,680$5,511,439$3,394,486$20,602,777
61$25,851,578$5,704,472$3,431,173$22,552,084
62$28,408,984$5,904,537$3,466,663$24,695,944
63$31,224,744$6,111,902$3,500,839$27,054,081
64$34,325,129$6,326,847$3,533,579$29,648,229
65$37,739,090$6,549,660$3,564,752$32,502,335
66$41,498,529$6,780,645$3,594,223$35,642,785
67$45,638,597$7,020,115$3,621,847$39,098,653
68$50,198,029$7,268,396$3,647,475$42,901,974
69$55,219,509$7,525,828$3,670,946$47,088,048
70$60,750,070$7,792,765$3,692,094$51,695,770
71$66,841,541$8,069,574$3,710,742$56,767,999
72$73,551,033$8,356,638$3,726,707$62,351,961
73$80,941,480$8,654,355$3,739,794$68,499,697
74$89,082,233$8,963,140$3,749,798$75,268,548
75$98,049,711$9,283,424$3,756,507$82,721,703
76$107,928,126$9,615,657$3,759,695$90,928,787
77$118,810,276$9,960,305$3,759,125$99,966,527
78$130,798,420$10,317,856$3,754,552$109,919,468
79$144,005,243$10,688,815$3,745,714$120,880,773
80$158,554,923$11,073,712$3,732,340$132,953,105
81$174,584,295$11,473,094$3,714,144$146,249,590
82$192,244,152$11,887,535$3,690,826$160,894,890
83$211,700,660$12,317,629$3,662,074$177,026,375
84$233,136,932$12,763,997$3,627,558$194,795,421
85$256,754,752$13,227,286$3,586,934$214,368,840
86$282,776,482$13,708,168$3,539,841$235,930,449
87$311,447,160$14,207,345$3,485,903$259,682,810
88$343,036,812$14,725,547$3,424,723$285,849,141
89$377,843,004$15,263,535$3,355,887$314,675,418
90$416,193,644$15,822,102$3,278,964$346,432,701
91$458,450,086$16,402,075$3,193,499$381,419,692
92$505,010,532$17,004,314$3,099,019$419,965,550
93$556,313,798$17,629,717$2,995,027$462,433,004
94$612,843,451$18,279,219$2,881,006$509,221,770
95$675,132,376$18,953,794$2,756,413$560,772,328
96$743,767,807$19,654,458$2,620,681$617,570,079
97$819,396,868$20,382,271$2,473,219$680,149,925
98$902,732,682$21,138,336$2,313,405$749,101,320
99$994,561,105$21,923,804$2,140,594$825,073,832
100$1,095,748,143$22,739,875$1,954,109$908,783,274