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%14.6%
1 years$185,803$184,148$182,533$180,957$179,418$176,012
2 years$91,982$90,269$88,608$86,999$85,437$82,018
3 years$60,712$58,991$57,335$55,741$54,205$50,880
4 years$45,080$43,365$41,726$40,158$38,659$35,455
5 years$35,704$33,999$32,381$30,845$29,388$26,313
6 years$29,455$27,762$26,168$24,667$23,254$20,311
7 years$24,993$23,315$21,746$20,280$18,912$16,102
8 years$21,648$19,985$18,442$17,013$15,689$13,012
9 years$19,048$17,401$15,884$14,491$13,212$10,666
10 years$16,969$15,338$13,848$12,491$11,258$8,840
11 years$15,269$13,654$12,192$10,871$9,682$7,390
12 years$13,853$12,255$10,820$9,536$8,390$6,220
13 years$12,657$11,075$9,667$8,418$7,316$5,266
14 years$11,632$10,067$8,686$7,473$6,414$4,478
15 years$10,744$9,197$7,842$6,665$5,647$3,823
16 years$9,968$8,438$7,110$5,967$4,991$3,274
17 years$9,285$7,771$6,470$5,362$4,425$2,811
18 years$8,677$7,181$5,906$4,832$3,935$2,419
19 years$8,135$6,655$5,407$4,366$3,507$2,086
20 years$7,647$6,184$4,962$3,954$3,133$1,801
21 years$7,206$5,760$4,564$3,589$2,803$1,558
22 years$6,806$5,377$4,207$3,263$2,513$1,349
23 years$6,441$5,029$3,884$2,972$2,256$1,169
24 years$6,108$4,712$3,592$2,710$2,027$1,015
25 years$5,801$4,422$3,327$2,475$1,824$881
26 years$5,518$4,156$3,086$2,263$1,643$765
27 years$5,257$3,911$2,865$2,072$1,482$665
28 years$5,015$3,685$2,664$1,898$1,337$579
29 years$4,790$3,477$2,479$1,741$1,207$503
30 years$4,580$3,283$2,309$1,597$1,091$438
31 years$4,384$3,104$2,152$1,467$986$382
32 years$4,201$2,937$2,008$1,348$892$332
33 years$4,029$2,781$1,875$1,240$807$290
34 years$3,868$2,636$1,752$1,141$731$252
35 years$3,716$2,500$1,638$1,050$662$220
36 years$3,574$2,373$1,532$967$600$192
37 years$3,439$2,254$1,434$891$544$167
38 years$3,311$2,142$1,343$821$493$146
39 years$3,190$2,037$1,258$757$447$127
40 years$3,076$1,938$1,179$699$405$111
41 years$2,968$1,845$1,106$644$368$97
42 years$2,865$1,757$1,037$595$334$84
43 years$2,767$1,674$973$549$303$73
44 years$2,673$1,596$914$507$275$64
45 years$2,584$1,522$858$468$250$56
46 years$2,500$1,451$806$432$227$49
47 years$2,419$1,385$757$400$206$43
48 years$2,341$1,322$711$369$187$37
49 years$2,268$1,263$669$341$170$32
50 years$2,197$1,206$629$315$154$28

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 $4,666 every year, while hoping to spend $23,923 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: 64/29/7 Blend
34$2,250,000$2,250,000$2,250,000$2,250,000
35$2,484,313$2,365,063$2,330,188$2,639,796
36$2,712,259$2,455,497$2,382,795$2,834,355
37$2,962,654$2,549,561$2,436,363$3,043,510
38$3,237,762$2,647,407$2,490,899$3,271,317
39$3,540,078$2,749,194$2,546,408$3,519,584
40$3,872,350$2,855,088$2,602,897$3,790,302
41$4,237,606$2,965,264$2,660,370$4,085,659
42$4,639,182$3,079,902$2,718,833$4,408,062
43$5,080,753$3,199,192$2,778,288$4,760,163
44$5,566,368$3,323,330$2,838,739$5,144,876
45$6,100,488$3,452,524$2,900,188$5,565,412
46$6,688,028$3,586,989$2,962,634$6,025,303
47$7,334,404$3,726,948$3,026,080$6,528,435
48$8,045,583$3,872,638$3,090,523$7,079,090
49$8,828,139$4,024,304$3,155,962$7,681,979
50$9,689,315$4,182,201$3,222,393$8,342,287
51$10,637,094$4,346,597$3,289,812$9,065,726
52$11,680,269$4,517,772$3,358,212$9,858,583
53$12,828,532$4,696,018$3,427,587$10,727,780
54$14,092,558$4,881,639$3,497,928$11,680,941
55$15,484,114$5,074,955$3,569,223$12,726,458
56$17,016,164$5,276,297$3,641,462$13,873,577
57$18,702,991$5,486,015$3,714,630$15,132,476
58$20,560,337$5,704,470$3,788,711$16,514,367
59$22,605,546$5,932,044$3,863,687$18,031,596
60$24,857,730$6,169,133$3,939,539$19,697,763
61$27,337,949$6,416,151$4,016,244$21,527,844
62$30,069,410$6,673,532$4,093,778$23,538,338
63$33,077,683$6,941,729$4,172,114$25,747,416
64$36,390,949$7,221,215$4,251,221$28,175,092
65$40,040,256$7,512,485$4,331,067$30,843,416
66$44,059,822$7,816,056$4,411,618$33,776,674
67$48,487,350$8,132,470$4,492,834$37,001,619
68$53,364,389$8,462,290$4,574,673$40,547,724
69$58,736,724$8,806,109$4,657,091$44,447,457
70$64,654,805$9,164,544$4,740,039$48,736,584
71$71,174,229$9,538,240$4,823,464$53,454,509
72$78,356,259$9,927,873$4,907,310$58,644,642
73$86,268,409$10,334,150$4,991,515$64,354,809
74$94,985,071$10,757,808$5,076,016$70,637,697
75$104,588,228$11,199,620$5,160,742$77,551,358
76$115,168,219$11,660,393$5,245,618$85,159,746
77$126,824,597$12,140,972$5,330,566$93,533,326
78$139,667,066$12,642,240$5,415,500$102,749,731
79$153,816,517$13,165,120$5,500,330$112,894,500
80$169,406,169$13,710,578$5,584,958$124,061,875
81$186,582,827$14,279,626$5,669,284$136,355,696
82$205,508,268$14,873,319$5,753,197$149,890,374
83$226,360,764$15,492,765$5,836,581$164,791,969
84$249,336,770$16,139,119$5,919,315$181,199,381
85$274,652,776$16,813,591$6,001,267$199,265,655
86$302,547,349$17,517,447$6,082,300$219,159,422
87$333,283,389$18,252,012$6,162,268$241,066,493
88$367,150,606$19,018,672$6,241,014$265,191,605
89$404,468,256$19,818,875$6,318,377$291,760,353
90$445,588,158$20,654,140$6,394,182$321,021,317
91$490,898,010$21,526,052$6,468,247$353,248,403
92$540,825,053$22,436,275$6,540,379$388,743,426
93$595,840,100$23,386,544$6,610,374$427,838,956
94$656,461,986$24,378,680$6,678,017$470,901,455
95$723,262,459$25,414,586$6,743,081$518,334,729
96$796,871,583$26,496,254$6,805,327$570,583,739
97$877,983,682$27,625,768$6,864,504$628,138,793
98$967,363,899$28,805,312$6,920,346$691,540,176
99$1,065,855,412$30,037,168$6,972,573$761,383,241
100$1,174,387,403$31,323,728$7,020,893$838,324,026