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

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 $2,000,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$165,158$163,687$162,252$160,851$159,483$158,811
2 years$81,761$80,239$78,763$77,332$75,944$75,266
3 years$53,966$52,437$50,965$49,547$48,182$47,518
4 years$40,071$38,547$37,089$35,696$34,364$33,720
5 years$31,737$30,221$28,783$27,418$26,123$25,500
6 years$26,182$24,678$23,261$21,926$20,670$20,070
7 years$22,216$20,724$19,330$18,027$16,810$16,233
8 years$19,243$17,765$16,393$15,122$13,946$13,391
9 years$16,931$15,467$14,120$12,881$11,744$11,212
10 years$15,083$13,634$12,310$11,103$10,007$9,497
11 years$13,572$12,137$10,837$9,663$8,606$8,119
12 years$12,314$10,894$9,618$8,476$7,458$6,992
13 years$11,250$9,845$8,593$7,483$6,503$6,059
14 years$10,339$8,949$7,721$6,643$5,701$5,277
15 years$9,550$8,175$6,971$5,924$5,020$4,616
16 years$8,861$7,500$6,320$5,304$4,436$4,052
17 years$8,253$6,907$5,751$4,766$3,934$3,569
18 years$7,713$6,383$5,250$4,295$3,497$3,151
19 years$7,231$5,915$4,806$3,881$3,117$2,789
20 years$6,797$5,497$4,411$3,515$2,785$2,474
21 years$6,406$5,120$4,057$3,190$2,492$2,198
22 years$6,050$4,779$3,739$2,900$2,234$1,955
23 years$5,726$4,470$3,452$2,642$2,005$1,742
24 years$5,429$4,188$3,193$2,409$1,802$1,554
25 years$5,156$3,930$2,957$2,200$1,622$1,388
26 years$4,905$3,694$2,743$2,012$1,461$1,241
27 years$4,673$3,476$2,547$1,841$1,317$1,110
28 years$4,458$3,276$2,368$1,687$1,188$994
29 years$4,258$3,090$2,203$1,547$1,073$890
30 years$4,071$2,919$2,052$1,420$970$798
31 years$3,897$2,759$1,913$1,304$877$716
32 years$3,734$2,611$1,785$1,198$793$642
33 years$3,582$2,472$1,667$1,102$718$576
34 years$3,438$2,343$1,557$1,014$650$518
35 years$3,304$2,222$1,456$933$588$465
36 years$3,176$2,109$1,362$860$533$418
37 years$3,057$2,003$1,275$792$483$375
38 years$2,943$1,904$1,194$730$438$338
39 years$2,836$1,811$1,119$673$397$303
40 years$2,734$1,723$1,048$621$360$273
41 years$2,638$1,640$983$573$327$246
42 years$2,546$1,562$922$529$297$221
43 years$2,459$1,488$865$488$269$199
44 years$2,376$1,418$812$451$244$179
45 years$2,297$1,352$763$416$222$161
46 years$2,222$1,290$716$384$201$145
47 years$2,150$1,231$673$355$183$130
48 years$2,081$1,175$632$328$166$117
49 years$2,016$1,122$594$303$151$106
50 years$1,953$1,072$559$280$137$95

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,000,000, adding $4,077 every year, while hoping to spend $41,542 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: 61/20/19 Blend
34$2,000,000$2,000,000$2,000,000$2,000,000
35$2,208,205$2,102,205$2,071,205$2,331,825
36$2,389,242$2,161,013$2,096,390$2,474,599
37$2,587,352$2,221,310$2,121,027$2,625,370
38$2,804,233$2,283,125$2,145,052$2,788,961
39$3,041,755$2,346,488$2,168,401$2,966,622
40$3,301,975$2,411,428$2,191,005$3,159,730
41$3,587,162$2,477,973$2,212,789$3,369,801
42$3,899,812$2,546,154$2,233,677$3,598,504
43$4,242,676$2,615,998$2,253,587$3,847,678
44$4,618,781$2,687,534$2,272,435$4,119,349
45$5,031,465$2,760,792$2,290,130$4,415,747
46$5,484,402$2,835,798$2,306,577$4,739,331
47$5,981,640$2,912,581$2,321,676$5,092,807
48$6,527,638$2,991,168$2,335,323$5,479,159
49$7,127,308$3,071,586$2,347,407$5,901,672
50$7,786,060$3,153,861$2,357,812$6,363,966
51$8,509,856$3,238,018$2,366,416$6,870,030
52$9,305,262$3,324,081$2,373,092$7,424,258
53$10,179,512$3,412,075$2,377,704$8,031,493
54$11,140,577$3,502,021$2,380,112$8,697,068
55$12,197,238$3,593,941$2,380,167$9,426,863
56$13,359,167$3,687,856$2,377,714$10,227,354
57$14,637,025$3,783,784$2,372,590$11,105,678
58$16,042,554$3,881,741$2,364,624$12,069,699
59$17,588,692$3,981,744$2,353,637$13,128,083
60$19,289,695$4,083,806$2,339,440$14,290,379
61$21,161,269$4,187,938$2,321,836$15,567,108
62$23,220,721$4,294,149$2,300,620$16,969,866
63$25,487,118$4,402,446$2,275,575$18,511,431
64$27,981,471$4,512,833$2,246,473$20,205,882
65$30,726,930$4,625,311$2,213,079$22,068,735
66$33,749,003$4,739,877$2,175,144$24,117,088
67$37,075,798$4,856,528$2,132,407$26,369,784
68$40,738,284$4,975,252$2,084,598$28,847,586
69$44,770,587$5,096,038$2,031,430$31,573,376
70$49,210,311$5,218,868$1,972,607$34,572,370
71$54,098,890$5,343,719$1,907,817$37,872,355
72$59,481,982$5,470,567$1,836,733$41,503,954
73$65,409,897$5,599,377$1,759,016$45,500,914
74$71,938,072$5,730,112$1,674,310$49,900,423
75$79,127,597$5,862,730$1,582,241$54,743,464
76$87,045,787$5,997,178$1,482,421$60,075,202
77$95,766,818$6,133,401$1,374,442$65,945,407
78$105,372,428$6,271,332$1,257,881$72,408,929
79$115,952,689$6,410,901$1,132,293$79,526,214
80$127,606,853$6,552,024$997,215$87,363,873
81$140,444,292$6,694,614$852,161$95,995,315
82$154,585,528$6,838,568$696,627$105,501,438
83$170,163,372$6,983,777$530,084$115,971,392
84$187,324,174$7,130,121$351,980$127,503,425
85$206,229,209$7,277,466$161,741$140,205,807
86$227,056,193$7,425,667$0$154,197,857
87$250,000,965$7,574,565$0$169,619,432
88$275,279,333$7,723,988$0$186,642,606
89$303,129,109$7,873,748$0$205,394,378
90$333,812,359$8,023,642$0$226,050,870
91$367,617,868$8,173,449$0$248,806,162
92$404,863,874$8,322,931$0$273,874,129
93$445,901,065$8,471,831$0$301,490,456
94$491,115,894$8,619,870$0$331,914,865
95$540,934,222$8,766,751$0$365,433,564
96$595,825,342$8,912,151$0$402,361,954
97$656,306,404$9,055,724$0$443,047,599
98$722,947,301$9,197,099$0$487,873,514
99$796,376,046$9,335,876$0$537,261,777
100$877,284,699$9,471,630$0$591,677,513