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

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 $2,450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$202,319$200,517$198,758$197,042$195,366$188,285
2 years$100,158$98,292$96,485$94,732$93,032$85,975
3 years$66,109$64,235$62,432$60,696$59,023$52,213
4 years$49,087$47,220$45,434$43,728$42,096$35,584
5 years$38,877$37,021$35,259$33,587$32,001$25,804
6 years$32,073$30,230$28,495$26,860$25,321$19,445
7 years$27,214$25,387$23,679$22,083$20,593$15,035
8 years$23,572$21,762$20,082$18,525$17,084$11,840
9 years$20,741$18,947$17,296$15,779$14,387$9,450
10 years$18,477$16,701$15,079$13,602$12,258$7,620
11 years$16,626$14,868$13,276$11,838$10,543$6,193
12 years$15,085$13,345$11,782$10,383$9,136$5,064
13 years$13,782$12,060$10,526$9,167$7,967$4,162
14 years$12,666$10,962$9,458$8,137$6,984$3,433
15 years$11,699$10,014$8,539$7,257$6,149$2,842
16 years$10,854$9,188$7,742$6,498$5,434$2,358
17 years$10,110$8,462$7,045$5,838$4,819$1,961
18 years$9,449$7,819$6,431$5,261$4,284$1,633
19 years$8,858$7,246$5,887$4,754$3,819$1,363
20 years$8,327$6,734$5,403$4,306$3,411$1,138
21 years$7,847$6,272$4,970$3,908$3,052$952
22 years$7,411$5,855$4,580$3,553$2,736$796
23 years$7,014$5,476$4,229$3,236$2,456$667
24 years$6,650$5,131$3,911$2,951$2,208$559
25 years$6,316$4,815$3,623$2,695$1,987$468
26 years$6,009$4,525$3,360$2,464$1,789$393
27 years$5,724$4,259$3,120$2,256$1,613$329
28 years$5,461$4,013$2,900$2,067$1,456$276
29 years$5,215$3,786$2,699$1,895$1,314$232
30 years$4,987$3,575$2,514$1,739$1,188$195
31 years$4,774$3,380$2,344$1,597$1,074$164
32 years$4,575$3,198$2,187$1,468$971$137
33 years$4,388$3,029$2,042$1,350$879$115
34 years$4,212$2,870$1,908$1,242$796$97
35 years$4,047$2,722$1,784$1,143$721$81
36 years$3,891$2,584$1,669$1,053$653$68
37 years$3,744$2,454$1,562$970$592$57
38 years$3,605$2,332$1,462$894$537$48
39 years$3,474$2,218$1,370$825$487$41
40 years$3,350$2,110$1,284$761$441$34
41 years$3,231$2,009$1,204$702$400$29
42 years$3,119$1,913$1,130$648$363$24
43 years$3,013$1,823$1,060$598$330$20
44 years$2,911$1,737$995$552$299$17
45 years$2,814$1,657$934$510$272$14
46 years$2,722$1,580$877$471$247$12
47 years$2,634$1,508$824$435$224$10
48 years$2,550$1,440$775$402$203$8
49 years$2,469$1,375$728$372$185$7
50 years$2,392$1,313$685$343$168$6

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 $6,630 every year, while hoping to spend $42,167 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: 51/19/30 Blend
34$2,450,000$2,450,000$2,450,000$2,450,000
35$2,706,739$2,576,889$2,538,914$2,821,543
36$2,937,961$2,658,291$2,579,102$2,983,870
37$3,191,354$2,742,269$2,619,223$3,155,560
38$3,469,136$2,828,903$2,659,231$3,341,455
39$3,773,748$2,918,280$2,699,075$3,542,927
40$4,107,879$3,010,484$2,738,703$3,761,490
41$4,474,491$3,105,607$2,778,058$3,998,809
42$4,876,848$3,203,740$2,817,082$4,256,717
43$5,318,543$3,304,980$2,855,711$4,537,235
44$5,803,535$3,409,424$2,893,877$4,842,586
45$6,336,184$3,517,175$2,931,511$5,175,219
46$6,921,296$3,628,337$2,968,538$5,537,833
47$7,564,162$3,743,020$3,004,877$5,933,398
48$8,270,612$3,861,333$3,040,447$6,365,189
49$9,047,070$3,983,394$3,075,157$6,836,810
50$9,900,612$4,109,321$3,108,915$7,352,233
51$10,839,033$4,239,236$3,141,622$7,915,835
52$11,870,922$4,373,267$3,173,175$8,532,435
53$13,005,743$4,511,544$3,203,463$9,207,343
54$14,253,922$4,654,202$3,232,372$9,946,412
55$15,626,944$4,801,381$3,259,779$10,756,086
56$17,137,468$4,953,224$3,285,557$11,643,468
57$18,799,437$5,109,879$3,309,570$12,616,384
58$20,628,216$5,271,499$3,331,677$13,683,455
59$22,640,734$5,438,243$3,351,729$14,854,181
60$24,855,645$5,610,274$3,369,568$16,139,030
61$27,293,503$5,787,758$3,385,030$17,549,535
62$29,976,953$5,970,871$3,397,941$19,098,406
63$32,930,949$6,159,791$3,408,120$20,799,646
64$36,182,988$6,354,703$3,415,374$22,668,687
65$39,763,367$6,555,798$3,419,503$24,722,533
66$43,705,471$6,763,273$3,420,297$26,979,920
67$48,046,086$6,977,330$3,417,534$29,461,495
68$52,825,748$7,198,180$3,410,982$32,190,011
69$58,089,122$7,426,039$3,400,398$35,190,537
70$63,885,427$7,661,129$3,385,526$38,490,703
71$70,268,899$7,903,683$3,366,100$42,120,951
72$77,299,301$8,153,937$3,341,838$46,114,832
73$85,042,487$8,412,138$3,312,447$50,509,315
74$93,571,026$8,678,538$3,277,619$55,345,140
75$102,964,883$8,953,399$3,237,032$60,667,202
76$113,312,177$9,236,991$3,190,348$66,524,975
77$124,710,008$9,529,593$3,137,214$72,972,977
78$137,265,378$9,831,491$3,077,259$80,071,288
79$151,096,196$10,142,984$3,010,097$87,886,115
80$166,332,394$10,464,377$2,935,322$96,490,419
81$183,117,153$10,795,986$2,852,510$105,964,601
82$201,608,252$11,138,138$2,761,218$116,397,265
83$221,979,557$11,491,170$2,660,982$127,886,050
84$244,422,663$11,855,429$2,551,317$140,538,557
85$269,148,704$12,231,275$2,431,715$154,473,361
86$296,390,341$12,619,077$2,301,647$169,821,133
87$326,403,963$13,019,218$2,160,559$186,725,871
88$359,472,100$13,432,093$2,007,871$205,346,266
89$395,906,098$13,858,109$1,842,978$225,857,192
90$436,049,051$14,297,687$1,665,248$248,451,363
91$480,279,042$14,751,261$1,474,022$273,341,153
92$529,012,710$15,219,280$1,268,608$300,760,597
93$582,709,187$15,702,205$1,048,287$330,967,606
94$641,874,426$16,200,515$812,307$364,246,396
95$707,065,980$16,714,702$559,881$400,910,181
96$778,898,264$17,245,276$290,191$441,304,121
97$858,048,354$17,792,762$2,380$485,808,587
98$945,262,382$18,357,703$0$534,842,751
99$1,041,362,572$18,940,658$0$588,966,099
100$1,147,255,010$19,542,206$0$648,597,282