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

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$206,448$204,609$202,815$201,063$199,354$194,062
2 years$102,202$100,298$98,454$96,665$94,930$89,636
3 years$67,458$65,546$63,706$61,934$60,228$55,096
4 years$50,089$48,183$46,362$44,620$42,955$38,026
5 years$39,671$37,776$35,979$34,273$32,654$27,941
6 years$32,727$30,847$29,076$27,408$25,838$21,346
7 years$27,770$25,905$24,162$22,534$21,013$16,742
8 years$24,053$22,206$20,492$18,903$17,432$13,380
9 years$21,164$19,334$17,649$16,101$14,680$10,843
10 years$18,854$17,042$15,387$13,879$12,509$8,881
11 years$16,965$15,172$13,547$12,079$10,758$7,335
12 years$15,393$13,617$12,022$10,595$9,322$6,099
13 years$14,063$12,306$10,741$9,354$8,129$5,097
14 years$12,924$11,186$9,651$8,303$7,126$4,279
15 years$11,938$10,218$8,713$7,405$6,274$3,605
16 years$11,076$9,375$7,900$6,630$5,545$3,046
17 years$10,316$8,634$7,189$5,957$4,917$2,579
18 years$9,642$7,978$6,562$5,369$4,372$2,189
19 years$9,039$7,394$6,008$4,851$3,897$1,861
20 years$8,497$6,871$5,513$4,394$3,481$1,584
21 years$8,007$6,400$5,071$3,988$3,115$1,351
22 years$7,562$5,974$4,674$3,626$2,792$1,152
23 years$7,157$5,588$4,316$3,302$2,506$984
24 years$6,786$5,235$3,991$3,012$2,253$841
25 years$6,445$4,913$3,697$2,750$2,027$719
26 years$6,131$4,617$3,428$2,515$1,826$615
27 years$5,841$4,346$3,184$2,302$1,646$527
28 years$5,572$4,095$2,960$2,109$1,485$451
29 years$5,322$3,863$2,754$1,934$1,341$387
30 years$5,089$3,648$2,565$1,775$1,212$331
31 years$4,871$3,449$2,392$1,630$1,096$284
32 years$4,668$3,263$2,231$1,498$991$243
33 years$4,477$3,090$2,084$1,378$897$209
34 years$4,298$2,929$1,947$1,268$812$179
35 years$4,129$2,778$1,820$1,167$736$153
36 years$3,971$2,637$1,703$1,075$666$132
37 years$3,821$2,504$1,594$990$604$113
38 years$3,679$2,380$1,492$913$548$97
39 years$3,545$2,263$1,398$841$497$83
40 years$3,418$2,153$1,310$776$450$71
41 years$3,297$2,050$1,229$716$409$61
42 years$3,183$1,952$1,153$661$371$53
43 years$3,074$1,860$1,082$610$337$45
44 years$2,970$1,773$1,015$563$305$39
45 years$2,872$1,691$953$520$277$33
46 years$2,777$1,613$895$481$252$28
47 years$2,688$1,539$841$444$229$24
48 years$2,602$1,469$791$410$208$21
49 years$2,519$1,403$743$379$189$18
50 years$2,441$1,340$699$350$171$15

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 $6,465 every year, while hoping to spend $23,582 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: 60/14/26 Blend
34$2,500,000$2,500,000$2,500,000$2,500,000
35$2,761,669$2,629,169$2,590,419$2,907,694
36$3,018,268$2,732,907$2,652,107$3,111,607
37$3,300,250$2,840,938$2,715,071$3,330,899
38$3,610,178$2,953,447$2,779,329$3,569,676
39$3,950,879$3,070,628$2,844,899$3,829,840
40$4,325,464$3,192,684$2,911,798$4,113,484
41$4,737,361$3,319,826$2,980,043$4,422,909
42$5,190,349$3,452,274$3,049,652$4,760,652
43$5,688,590$3,590,261$3,120,640$5,129,502
44$6,236,669$3,734,027$3,193,025$5,532,531
45$6,839,640$3,883,825$3,266,822$5,973,122
46$7,503,068$4,039,917$3,342,046$6,454,999
47$8,233,089$4,202,581$3,418,712$6,982,261
48$9,036,460$4,372,103$3,496,835$7,559,424
49$9,920,628$4,548,786$3,576,428$8,191,459
50$10,893,799$4,732,943$3,657,504$8,883,841
51$11,965,012$4,924,903$3,740,077$9,642,601
52$13,144,231$5,125,011$3,824,157$10,474,378
53$14,442,432$5,333,626$3,909,756$11,386,487
54$15,871,711$5,551,124$3,996,883$12,386,982
55$17,445,394$5,777,898$4,085,548$13,484,737
56$19,178,169$6,014,360$4,175,758$14,689,524
57$21,086,217$6,260,938$4,267,521$16,012,108
58$23,187,370$6,518,083$4,360,842$17,464,348
59$25,501,277$6,786,264$4,455,725$19,059,304
60$28,049,589$7,065,973$4,552,174$20,811,367
61$30,856,166$7,357,724$4,650,190$22,736,387
62$33,947,297$7,662,055$4,749,774$24,851,828
63$37,351,953$7,979,528$4,850,923$27,176,927
64$41,102,058$8,310,731$4,953,635$29,732,877
65$45,232,791$8,656,279$5,057,904$32,543,027
66$49,782,915$9,016,816$5,163,724$35,633,102
67$54,795,148$9,393,016$5,271,084$39,031,441
68$60,316,562$9,785,582$5,379,974$42,769,271
69$66,399,027$10,195,252$5,490,379$46,880,992
70$73,099,705$10,622,796$5,602,284$51,404,507
71$80,481,583$11,069,021$5,715,668$56,381,579
72$88,614,072$11,534,770$5,830,511$61,858,220
73$97,573,661$12,020,928$5,946,787$67,885,128
74$107,444,638$12,528,417$6,064,468$74,518,161
75$118,319,887$13,058,205$6,183,523$81,818,868
76$130,301,762$13,611,304$6,303,918$89,855,067
77$143,503,055$14,188,771$6,425,612$98,701,479
78$158,048,061$14,791,715$6,548,565$108,440,440
79$174,073,750$15,421,297$6,672,729$119,162,674
80$191,731,061$16,078,728$6,798,053$130,968,144
81$211,186,323$16,765,280$6,924,482$143,967,000
82$232,622,831$17,482,281$7,051,955$158,280,617
83$256,242,571$18,231,125$7,180,407$174,042,733
84$282,268,129$19,013,266$7,309,767$191,400,718
85$310,944,792$19,830,229$7,439,958$210,516,959
86$342,542,862$20,683,612$7,570,897$231,570,393
87$377,360,209$21,575,083$7,702,497$254,758,192
88$415,725,081$22,506,393$7,834,662$280,297,627
89$457,999,205$23,479,373$7,967,289$308,428,112
90$504,581,200$24,495,938$8,100,269$339,413,468
91$555,910,340$25,558,097$8,233,486$373,544,404
92$612,470,701$26,667,950$8,366,814$411,141,268
93$674,795,730$27,827,697$8,500,120$452,557,063
94$743,473,282$29,039,642$8,633,261$498,180,779
95$819,151,169$30,306,196$8,766,087$548,441,062
96$902,543,274$31,629,885$8,898,437$603,810,261
97$994,436,292$33,013,354$9,030,139$664,808,880
98$1,095,697,156$34,459,371$9,161,011$732,010,495
99$1,207,281,222$35,970,836$9,290,861$806,047,160
100$1,330,241,286$37,550,787$9,419,484$887,615,377