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%11%
1 years$185,803$184,148$182,533$180,957$179,418$178,662
2 years$91,982$90,269$88,608$86,999$85,437$84,674
3 years$60,712$58,991$57,335$55,741$54,205$53,458
4 years$45,080$43,365$41,726$40,158$38,659$37,935
5 years$35,704$33,999$32,381$30,845$29,388$28,688
6 years$29,455$27,762$26,168$24,667$23,254$22,579
7 years$24,993$23,315$21,746$20,280$18,912$18,262
8 years$21,648$19,985$18,442$17,013$15,689$15,065
9 years$19,048$17,401$15,884$14,491$13,212$12,614
10 years$16,969$15,338$13,848$12,491$11,258$10,684
11 years$15,269$13,654$12,192$10,871$9,682$9,133
12 years$13,853$12,255$10,820$9,536$8,390$7,866
13 years$12,657$11,075$9,667$8,418$7,316$6,816
14 years$11,632$10,067$8,686$7,473$6,414$5,937
15 years$10,744$9,197$7,842$6,665$5,647$5,193
16 years$9,968$8,438$7,110$5,967$4,991$4,559
17 years$9,285$7,771$6,470$5,362$4,425$4,015
18 years$8,677$7,181$5,906$4,832$3,935$3,545
19 years$8,135$6,655$5,407$4,366$3,507$3,138
20 years$7,647$6,184$4,962$3,954$3,133$2,783
21 years$7,206$5,760$4,564$3,589$2,803$2,472
22 years$6,806$5,377$4,207$3,263$2,513$2,200
23 years$6,441$5,029$3,884$2,972$2,256$1,960
24 years$6,108$4,712$3,592$2,710$2,027$1,749
25 years$5,801$4,422$3,327$2,475$1,824$1,562
26 years$5,518$4,156$3,086$2,263$1,643$1,396
27 years$5,257$3,911$2,865$2,072$1,482$1,249
28 years$5,015$3,685$2,664$1,898$1,337$1,118
29 years$4,790$3,477$2,479$1,741$1,207$1,001
30 years$4,580$3,283$2,309$1,597$1,091$898
31 years$4,384$3,104$2,152$1,467$986$805
32 years$4,201$2,937$2,008$1,348$892$722
33 years$4,029$2,781$1,875$1,240$807$648
34 years$3,868$2,636$1,752$1,141$731$582
35 years$3,716$2,500$1,638$1,050$662$523
36 years$3,574$2,373$1,532$967$600$470
37 years$3,439$2,254$1,434$891$544$422
38 years$3,311$2,142$1,343$821$493$380
39 years$3,190$2,037$1,258$757$447$341
40 years$3,076$1,938$1,179$699$405$307
41 years$2,968$1,845$1,106$644$368$276
42 years$2,865$1,757$1,037$595$334$248
43 years$2,767$1,674$973$549$303$224
44 years$2,673$1,596$914$507$275$201
45 years$2,584$1,522$858$468$250$181
46 years$2,500$1,451$806$432$227$163
47 years$2,419$1,385$757$400$206$147
48 years$2,341$1,322$711$369$187$132
49 years$2,268$1,263$669$341$170$119
50 years$2,197$1,206$629$315$154$107

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 $3,959 every year, while hoping to spend $45,993 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: 38/33/29 Blend
34$2,250,000$2,250,000$2,250,000$2,250,000
35$2,483,584$2,364,334$2,329,459$2,556,397
36$2,687,973$2,431,250$2,358,559$2,677,300
37$2,911,669$2,499,903$2,387,093$2,803,393
38$3,156,591$2,570,331$2,414,993$2,938,801
39$3,424,856$2,642,569$2,442,188$3,084,403
40$3,718,791$2,716,656$2,468,601$3,241,164
41$4,040,963$2,792,627$2,494,155$3,410,147
42$4,394,196$2,870,521$2,518,764$3,592,524
43$4,781,603$2,950,375$2,542,341$3,789,584
44$5,206,610$3,032,226$2,564,793$4,002,747
45$5,672,991$3,116,113$2,586,021$4,233,578
46$6,184,906$3,202,072$2,605,922$4,483,801
47$6,746,935$3,290,142$2,624,389$4,755,313
48$7,364,121$3,380,358$2,641,305$5,050,207
49$8,042,025$3,472,759$2,656,552$5,370,786
50$8,786,767$3,567,380$2,670,003$5,719,590
51$9,605,094$3,664,258$2,681,524$6,099,416
52$10,504,436$3,763,429$2,690,977$6,513,346
53$11,492,978$3,864,927$2,698,215$6,964,776
54$12,579,740$3,968,786$2,703,083$7,457,450
55$13,774,658$4,075,041$2,705,421$7,995,491
56$15,088,679$4,183,724$2,705,058$8,583,443
57$16,533,863$4,294,865$2,701,817$9,226,317
58$18,123,500$4,408,496$2,695,510$9,929,630
59$19,872,230$4,524,646$2,685,943$10,699,465
60$21,796,184$4,643,340$2,672,909$11,542,525
61$23,913,137$4,764,606$2,656,193$12,466,199
62$26,242,672$4,888,467$2,635,571$13,478,627
63$28,806,367$5,014,944$2,610,805$14,588,783
64$31,627,998$5,144,058$2,581,648$15,806,556
65$34,733,761$5,275,824$2,547,841$17,142,844
66$38,152,523$5,410,258$2,509,112$18,609,659
67$41,916,090$5,547,371$2,465,177$20,220,240
68$46,059,510$5,687,170$2,415,739$21,989,176
69$50,621,399$5,829,661$2,360,486$23,932,547
70$55,644,312$5,974,844$2,299,092$26,068,077
71$61,175,137$6,122,716$2,231,216$28,415,297
72$67,265,541$6,273,270$2,156,503$30,995,734
73$73,972,460$6,426,493$2,074,579$33,833,115
74$81,358,627$6,582,368$1,985,054$36,953,587
75$89,493,174$6,740,872$1,887,520$40,385,971
76$98,452,278$6,901,975$1,781,552$44,162,029
77$108,319,881$7,065,642$1,666,705$48,316,766
78$119,188,482$7,231,831$1,542,513$52,888,764
79$131,160,009$7,400,493$1,408,489$57,920,544
80$144,346,783$7,571,570$1,264,126$63,458,969
81$158,872,573$7,744,995$1,108,893$69,555,688
82$174,873,771$7,920,695$942,235$76,267,624
83$192,500,671$8,098,584$763,575$83,657,513
84$211,918,892$8,278,568$572,308$91,794,495
85$233,310,941$8,460,540$367,803$100,754,771
86$256,877,934$8,644,383$149,401$110,622,323
87$282,841,492$8,829,967$0$121,489,706
88$311,445,836$9,017,147$0$133,484,817
89$342,960,091$9,205,766$0$146,745,203
90$377,680,822$9,395,651$0$161,348,714
91$415,934,841$9,586,613$0$177,432,138
92$458,082,283$9,778,445$0$195,146,213
93$504,520,010$9,970,923$0$214,657,047
94$555,685,355$10,163,802$0$236,147,693
95$612,060,250$10,356,818$0$259,819,871
96$674,175,777$10,549,683$0$285,895,875
97$742,617,178$10,742,089$0$314,620,671
98$818,029,378$10,933,700$0$346,264,211
99$901,123,079$11,124,155$0$381,123,980
100$992,681,460$11,313,065$0$419,527,806