Can I retire at age 35 with 2,450,000?

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 $2,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$202,319$200,517$198,758$197,042$195,366$192,606
2 years$100,158$98,292$96,485$94,732$93,032$90,256
3 years$66,109$64,235$62,432$60,696$59,023$56,318
4 years$49,087$47,220$45,434$43,728$42,096$39,483
5 years$38,877$37,021$35,259$33,587$32,001$29,487
6 years$32,073$30,230$28,495$26,860$25,321$22,910
7 years$27,214$25,387$23,679$22,083$20,593$18,285
8 years$23,572$21,762$20,082$18,525$17,084$14,878
9 years$20,741$18,947$17,296$15,779$14,387$12,284
10 years$18,477$16,701$15,079$13,602$12,258$10,255
11 years$16,626$14,868$13,276$11,838$10,543$8,638
12 years$15,085$13,345$11,782$10,383$9,136$7,327
13 years$13,782$12,060$10,526$9,167$7,967$6,252
14 years$12,666$10,962$9,458$8,137$6,984$5,360
15 years$11,699$10,014$8,539$7,257$6,149$4,613
16 years$10,854$9,188$7,742$6,498$5,434$3,984
17 years$10,110$8,462$7,045$5,838$4,819$3,450
18 years$9,449$7,819$6,431$5,261$4,284$2,995
19 years$8,858$7,246$5,887$4,754$3,819$2,606
20 years$8,327$6,734$5,403$4,306$3,411$2,271
21 years$7,847$6,272$4,970$3,908$3,052$1,982
22 years$7,411$5,855$4,580$3,553$2,736$1,732
23 years$7,014$5,476$4,229$3,236$2,456$1,515
24 years$6,650$5,131$3,911$2,951$2,208$1,327
25 years$6,316$4,815$3,623$2,695$1,987$1,163
26 years$6,009$4,525$3,360$2,464$1,789$1,020
27 years$5,724$4,259$3,120$2,256$1,613$895
28 years$5,461$4,013$2,900$2,067$1,456$786
29 years$5,215$3,786$2,699$1,895$1,314$691
30 years$4,987$3,575$2,514$1,739$1,188$607
31 years$4,774$3,380$2,344$1,597$1,074$534
32 years$4,575$3,198$2,187$1,468$971$470
33 years$4,388$3,029$2,042$1,350$879$413
34 years$4,212$2,870$1,908$1,242$796$364
35 years$4,047$2,722$1,784$1,143$721$320
36 years$3,891$2,584$1,669$1,053$653$282
37 years$3,744$2,454$1,562$970$592$248
38 years$3,605$2,332$1,462$894$537$219
39 years$3,474$2,218$1,370$825$487$193
40 years$3,350$2,110$1,284$761$441$170
41 years$3,231$2,009$1,204$702$400$150
42 years$3,119$1,913$1,130$648$363$132
43 years$3,013$1,823$1,060$598$330$116
44 years$2,911$1,737$995$552$299$102
45 years$2,814$1,657$934$510$272$90
46 years$2,722$1,580$877$471$247$80
47 years$2,634$1,508$824$435$224$70
48 years$2,550$1,440$775$402$203$62
49 years$2,469$1,375$728$372$185$55
50 years$2,392$1,313$685$343$168$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,450,000, adding $3,482 every year, while hoping to spend $39,966 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: 63/12/25 Blend
34$2,450,000$2,450,000$2,450,000$2,450,000
35$2,703,492$2,573,642$2,535,667$2,855,767
36$2,936,724$2,657,227$2,578,088$3,042,794
37$3,192,407$2,743,568$2,620,591$3,242,260
38$3,472,788$2,832,758$2,663,136$3,459,246
39$3,780,343$2,924,893$2,705,681$3,695,471
40$4,117,797$3,020,073$2,748,182$3,952,830
41$4,488,156$3,118,400$2,790,589$4,233,409
42$4,894,728$3,219,981$2,832,853$4,539,505
43$5,341,156$3,324,926$2,874,920$4,873,648
44$5,831,456$3,433,349$2,916,731$5,238,626
45$6,370,049$3,545,368$2,958,227$5,637,507
46$6,961,808$3,661,105$2,999,342$6,073,673
47$7,612,100$3,780,687$3,040,007$6,550,848
48$8,326,838$3,904,245$3,080,151$7,073,135
49$9,112,536$4,031,913$3,119,696$7,645,055
50$9,976,370$4,163,832$3,158,562$8,271,585
51$10,926,247$4,300,147$3,196,661$8,958,213
52$11,970,879$4,441,009$3,233,904$9,710,981
53$13,119,864$4,586,573$3,270,195$10,536,548
54$14,383,775$4,737,001$3,305,431$11,442,249
55$15,774,264$4,892,458$3,339,508$12,436,167
56$17,304,169$5,053,118$3,372,311$13,527,208
57$18,987,633$5,219,160$3,403,722$14,725,182
58$20,840,241$5,390,768$3,433,616$16,040,902
59$22,879,166$5,568,136$3,461,862$17,486,279
60$25,123,327$5,751,460$3,488,321$19,074,438
61$27,593,572$5,940,948$3,512,846$20,819,841
62$30,312,874$6,136,813$3,535,284$22,738,425
63$33,306,545$6,339,274$3,555,474$24,847,749
64$36,602,476$6,548,562$3,573,245$27,167,162
65$40,231,400$6,764,912$3,588,420$29,717,984
66$44,227,181$6,988,571$3,600,810$32,523,709
67$48,627,135$7,219,793$3,610,219$35,610,225
68$53,472,381$7,458,842$3,616,440$39,006,060
69$58,808,229$7,705,990$3,619,256$42,742,647
70$64,684,606$7,961,520$3,618,438$46,854,628
71$71,156,528$8,225,727$3,613,748$51,380,173
72$78,284,620$8,498,914$3,604,935$56,361,346
73$86,135,686$8,781,396$3,591,735$61,844,497
74$94,783,342$9,073,500$3,573,874$67,880,704
75$104,308,705$9,375,564$3,551,061$74,526,254
76$114,801,165$9,687,939$3,522,994$81,843,172
77$126,359,225$10,010,989$3,489,355$89,899,809
78$139,091,430$10,345,091$3,449,813$98,771,485
79$153,117,392$10,690,637$3,404,018$108,541,201
80$168,568,920$11,048,032$3,351,606$119,300,424
81$185,591,260$11,417,695$3,292,195$131,149,948
82$204,344,470$11,800,064$3,225,385$144,200,848
83$225,004,929$12,195,591$3,150,759$158,575,523
84$247,767,001$12,604,744$3,067,878$174,408,861
85$272,844,869$13,028,010$2,976,285$191,849,503
86$300,474,556$13,465,893$2,875,502$211,061,251
87$330,916,156$13,918,917$2,765,027$232,224,615
88$364,456,286$14,387,625$2,644,336$255,538,514
89$401,410,788$14,872,580$2,512,883$281,222,157
90$442,127,719$15,374,367$2,370,095$309,517,110
91$486,990,627$15,893,592$2,215,374$340,689,578
92$536,422,177$16,430,884$2,048,095$375,032,918
93$590,888,139$16,986,897$1,867,606$412,870,410
94$650,901,781$17,562,307$1,673,223$454,558,307
95$717,028,721$18,157,819$1,464,234$500,489,197
96$789,892,261$18,774,161$1,239,896$551,095,716
97$870,179,269$19,412,093$999,430$606,854,623
98$958,646,669$20,072,401$742,026$668,291,310
99$1,056,128,582$20,755,900$466,836$735,984,759
100$1,163,544,197$21,463,440$172,975$810,573,005