Can I retire at age 35 with 2,500,000?

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$206,448$204,609$202,815$201,063$199,354$195,970
2 years$102,202$100,298$98,454$96,665$94,930$91,532
3 years$67,458$65,546$63,706$61,934$60,228$56,920
4 years$50,089$48,183$46,362$44,620$42,955$39,764
5 years$39,671$37,776$35,979$34,273$32,654$29,588
6 years$32,727$30,847$29,076$27,408$25,838$22,901
7 years$27,770$25,905$24,162$22,534$21,013$18,207
8 years$24,053$22,206$20,492$18,903$17,432$14,755
9 years$21,164$19,334$17,649$16,101$14,680$12,131
10 years$18,854$17,042$15,387$13,879$12,509$10,085
11 years$16,965$15,172$13,547$12,079$10,758$8,457
12 years$15,393$13,617$12,022$10,595$9,322$7,142
13 years$14,063$12,306$10,741$9,354$8,129$6,066
14 years$12,924$11,186$9,651$8,303$7,126$5,176
15 years$11,938$10,218$8,713$7,405$6,274$4,434
16 years$11,076$9,375$7,900$6,630$5,545$3,810
17 years$10,316$8,634$7,189$5,957$4,917$3,283
18 years$9,642$7,978$6,562$5,369$4,372$2,836
19 years$9,039$7,394$6,008$4,851$3,897$2,454
20 years$8,497$6,871$5,513$4,394$3,481$2,128
21 years$8,007$6,400$5,071$3,988$3,115$1,847
22 years$7,562$5,974$4,674$3,626$2,792$1,606
23 years$7,157$5,588$4,316$3,302$2,506$1,397
24 years$6,786$5,235$3,991$3,012$2,253$1,217
25 years$6,445$4,913$3,697$2,750$2,027$1,061
26 years$6,131$4,617$3,428$2,515$1,826$925
27 years$5,841$4,346$3,184$2,302$1,646$808
28 years$5,572$4,095$2,960$2,109$1,485$705
29 years$5,322$3,863$2,754$1,934$1,341$616
30 years$5,089$3,648$2,565$1,775$1,212$539
31 years$4,871$3,449$2,392$1,630$1,096$471
32 years$4,668$3,263$2,231$1,498$991$412
33 years$4,477$3,090$2,084$1,378$897$360
34 years$4,298$2,929$1,947$1,268$812$315
35 years$4,129$2,778$1,820$1,167$736$276
36 years$3,971$2,637$1,703$1,075$666$241
37 years$3,821$2,504$1,594$990$604$211
38 years$3,679$2,380$1,492$913$548$185
39 years$3,545$2,263$1,398$841$497$162
40 years$3,418$2,153$1,310$776$450$142
41 years$3,297$2,050$1,229$716$409$124
42 years$3,183$1,952$1,153$661$371$109
43 years$3,074$1,860$1,082$610$337$95
44 years$2,970$1,773$1,015$563$305$84
45 years$2,872$1,691$953$520$277$73
46 years$2,777$1,613$895$481$252$64
47 years$2,688$1,539$841$444$229$56
48 years$2,602$1,469$791$410$208$49
49 years$2,519$1,403$743$379$189$43
50 years$2,441$1,340$699$350$171$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,500,000, adding $6,314 every year, while hoping to spend $33,723 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: 43/49/8 Blend
34$2,500,000$2,500,000$2,500,000$2,500,000
35$2,761,513$2,629,013$2,590,263$2,873,613
36$3,007,306$2,721,954$2,641,156$3,045,056
37$3,277,040$2,818,318$2,692,623$3,226,739
38$3,573,121$2,918,238$2,744,649$3,422,784
39$3,898,200$3,021,852$2,797,215$3,634,515
40$4,255,196$3,129,303$2,850,301$3,863,389
41$4,647,326$3,240,739$2,903,887$4,111,004
42$5,078,134$3,356,316$2,957,948$4,379,117
43$5,551,523$3,476,194$3,012,458$4,669,658
44$6,071,793$3,600,543$3,067,390$4,984,751
45$6,643,682$3,729,535$3,122,714$5,326,726
46$7,272,410$3,863,355$3,178,397$5,698,149
47$7,963,726$4,002,190$3,234,404$6,101,838
48$8,723,967$4,146,238$3,290,697$6,540,895
49$9,560,113$4,295,705$3,347,237$7,018,729
50$10,479,854$4,450,804$3,403,979$7,539,091
51$11,491,664$4,611,759$3,460,877$8,106,106
52$12,604,879$4,778,800$3,517,882$8,724,315
53$13,829,786$4,952,170$3,574,939$9,398,712
54$15,177,718$5,132,120$3,631,994$10,134,791
55$16,661,163$5,318,912$3,688,984$10,938,601
56$18,293,883$5,512,820$3,745,846$11,816,798
57$20,091,038$5,714,128$3,802,511$12,776,705
58$22,069,336$5,923,131$3,858,907$13,826,387
59$24,247,183$6,140,140$3,914,956$14,974,718
60$26,644,865$6,365,476$3,970,575$16,231,470
61$29,284,731$6,599,474$4,025,679$17,607,398
62$32,191,409$6,842,484$4,080,175$19,114,345
63$35,392,036$7,094,869$4,133,965$20,765,349
64$38,916,517$7,357,010$4,186,945$22,574,767
65$42,797,801$7,629,303$4,239,007$24,558,408
66$47,072,197$7,912,160$4,290,035$26,733,679
67$51,779,717$8,206,011$4,339,906$29,119,752
68$56,964,447$8,511,304$4,388,492$31,737,738
69$62,674,970$8,828,508$4,435,656$34,610,887
70$68,964,821$9,158,109$4,481,255$37,764,806
71$75,892,993$9,500,617$4,525,137$41,227,699
72$83,524,492$9,856,560$4,567,143$45,030,629
73$91,930,952$10,226,493$4,607,103$49,207,811
74$101,191,309$10,610,992$4,644,842$53,796,932
75$111,392,551$11,010,659$4,680,172$58,839,505
76$122,630,531$11,426,121$4,712,898$64,381,258
77$135,010,876$11,858,032$4,742,811$70,472,565
78$148,649,986$12,307,076$4,769,696$77,168,914
79$163,676,127$12,773,965$4,793,323$84,531,433
80$180,230,645$13,259,443$4,813,453$92,627,465
81$198,469,301$13,764,285$4,829,833$101,531,194
82$218,563,735$14,289,301$4,842,198$111,324,351
83$240,703,095$14,835,336$4,850,271$122,096,975
84$265,095,814$15,403,271$4,853,758$133,948,264
85$291,971,583$15,994,026$4,852,354$146,987,507
86$321,583,513$16,608,562$4,845,737$161,335,111
87$354,210,531$17,247,882$4,833,569$177,123,736
88$390,160,008$17,913,031$4,815,497$194,499,543
89$429,770,663$18,605,103$4,791,149$213,623,566
90$473,415,755$19,325,238$4,760,138$234,673,235
91$521,506,614$20,074,627$4,722,054$257,844,039
92$574,496,518$20,854,513$4,676,473$283,351,375
93$632,884,974$21,666,194$4,622,945$311,432,568
94$697,222,430$22,511,027$4,561,003$342,349,114
95$768,115,478$23,390,428$4,490,157$376,389,138
96$846,232,573$24,305,874$4,409,893$413,870,114
97$932,310,344$25,258,911$4,319,673$455,141,850
98$1,027,160,552$26,251,151$4,218,935$500,589,791
99$1,131,677,750$27,284,279$4,107,091$550,638,647
100$1,246,847,728$28,360,055$3,983,526$605,756,399