Can I retire at age 35 with 2,050,000?

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 $2,050,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$169,287$167,779$166,308$164,872$163,470$159,778
2 years$83,805$82,245$80,732$79,265$77,843$74,143
3 years$55,315$53,748$52,239$50,786$49,387$45,794
4 years$41,073$39,510$38,017$36,589$35,223$31,766
5 years$32,530$30,977$29,502$28,104$26,776$23,464
6 years$26,836$25,295$23,842$22,475$21,187$18,024
7 years$22,771$21,242$19,813$18,478$17,231$14,216
8 years$19,724$18,209$16,803$15,500$14,294$11,428
9 years$17,355$15,854$14,472$13,203$12,038$9,318
10 years$15,460$13,974$12,617$11,381$10,257$7,679
11 years$13,912$12,441$11,108$9,905$8,821$6,383
12 years$12,622$11,166$9,858$8,688$7,644$5,342
13 years$11,532$10,091$8,808$7,670$6,666$4,495
14 years$10,598$9,172$7,914$6,809$5,843$3,799
15 years$9,789$8,379$7,145$6,072$5,145$3,223
16 years$9,082$7,688$6,478$5,437$4,547$2,743
17 years$8,459$7,080$5,895$4,885$4,032$2,340
18 years$7,906$6,542$5,381$4,402$3,585$2,000
19 years$7,412$6,063$4,926$3,978$3,195$1,713
20 years$6,967$5,634$4,521$3,603$2,854$1,470
21 years$6,566$5,248$4,158$3,270$2,554$1,262
22 years$6,201$4,899$3,833$2,973$2,289$1,086
23 years$5,869$4,582$3,539$2,708$2,055$934
24 years$5,565$4,293$3,273$2,469$1,847$805
25 years$5,285$4,029$3,031$2,255$1,662$694
26 years$5,028$3,786$2,811$2,062$1,497$599
27 years$4,790$3,563$2,611$1,887$1,350$517
28 years$4,569$3,358$2,427$1,729$1,218$446
29 years$4,364$3,168$2,258$1,586$1,100$385
30 years$4,173$2,992$2,104$1,455$994$333
31 years$3,995$2,828$1,961$1,337$898$288
32 years$3,828$2,676$1,830$1,228$813$249
33 years$3,671$2,534$1,708$1,130$736$215
34 years$3,524$2,402$1,596$1,039$666$186
35 years$3,386$2,278$1,492$957$603$161
36 years$3,256$2,162$1,396$881$546$139
37 years$3,133$2,054$1,307$812$495$120
38 years$3,017$1,952$1,224$748$449$104
39 years$2,907$1,856$1,146$690$407$90
40 years$2,803$1,766$1,075$636$369$78
41 years$2,704$1,681$1,008$587$335$67
42 years$2,610$1,601$945$542$304$58
43 years$2,521$1,525$887$500$276$51
44 years$2,436$1,454$833$462$250$44
45 years$2,355$1,386$782$427$227$38
46 years$2,277$1,322$734$394$206$33
47 years$2,204$1,262$690$364$187$28
48 years$2,133$1,205$648$336$170$25
49 years$2,066$1,150$609$311$155$21
50 years$2,002$1,099$573$287$140$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,050,000, adding $3,260 every year, while hoping to spend $56,006 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: 25/45/30 Blend
34$2,050,000$2,050,000$2,050,000$2,050,000
35$2,262,463$2,153,813$2,122,038$2,297,760
36$2,433,644$2,199,760$2,133,536$2,373,801
37$2,620,409$2,246,081$2,143,542$2,450,331
38$2,824,287$2,292,735$2,151,948$2,531,240
39$3,046,964$2,339,679$2,158,638$2,616,937
40$3,290,294$2,386,863$2,163,491$2,707,871
41$3,556,318$2,434,233$2,166,383$2,804,541
42$3,847,285$2,481,733$2,167,179$2,907,498
43$4,165,669$2,529,300$2,165,741$3,017,351
44$4,514,197$2,576,865$2,161,923$3,134,773
45$4,895,869$2,624,355$2,155,571$3,260,511
46$5,313,989$2,671,690$2,146,525$3,395,386
47$5,772,199$2,718,786$2,134,616$3,540,309
48$6,274,505$2,765,548$2,119,668$3,696,286
49$6,825,324$2,811,879$2,101,495$3,864,430
50$7,429,517$2,857,671$2,079,905$4,045,969
51$8,092,439$2,902,809$2,054,694$4,242,261
52$8,819,991$2,947,169$2,025,649$4,454,809
53$9,618,670$2,990,620$1,992,548$4,685,271
54$10,495,634$3,033,020$1,955,158$4,935,480
55$11,458,768$3,074,218$1,913,235$5,207,461
56$12,516,757$3,114,050$1,866,524$5,503,452
57$13,679,172$3,152,343$1,814,757$5,825,924
58$14,956,552$3,188,913$1,757,657$6,177,609
59$16,360,512$3,223,561$1,694,929$6,561,520
60$17,903,844$3,256,076$1,626,270$6,980,990
61$19,600,645$3,286,232$1,551,359$7,439,696
62$21,466,444$3,313,791$1,469,863$7,941,699
63$23,518,351$3,338,496$1,381,432$8,491,486
64$25,775,215$3,360,075$1,285,703$9,094,007
65$28,257,806$3,378,237$1,182,293$9,754,730
66$30,989,007$3,392,676$1,070,805$10,479,690
67$33,994,032$3,403,063$950,822$11,275,551
68$37,300,659$3,409,049$821,911$12,149,667
69$40,939,498$3,410,264$683,617$13,110,154
70$44,944,276$3,406,316$535,467$14,165,973
71$49,352,152$3,396,786$376,965$15,327,012
72$54,204,074$3,381,231$207,596$16,604,181
73$59,545,159$3,359,181$26,820$18,009,521
74$65,425,121$3,330,137$0$19,556,321
75$71,898,740$3,293,570$0$21,312,407
76$79,026,376$3,248,919$0$23,253,405
77$86,874,541$3,195,590$0$25,388,762
78$95,516,524$3,132,954$0$27,738,371
79$105,033,083$3,060,343$0$30,324,164
80$115,513,209$2,977,051$0$33,170,322
81$127,054,960$2,882,330$0$36,303,507
82$139,766,391$2,775,390$0$39,753,112
83$153,766,571$2,655,391$0$43,551,543
84$169,186,705$2,521,450$0$47,734,527
85$186,171,375$2,372,627$0$52,341,452
86$204,879,902$2,207,932$0$57,415,740
87$225,487,848$2,026,317$0$63,005,264
88$248,188,676$1,826,674$0$69,162,796
89$273,195,572$1,607,832$0$75,946,515
90$300,743,459$1,368,554$0$83,420,554
91$331,091,211$1,107,532$0$91,655,615
92$364,524,099$823,386$0$100,729,636
93$401,356,482$514,657$0$110,728,530
94$441,934,772$179,803$0$121,747,006
95$486,640,705$0$0$133,889,460
96$535,894,944$0$0$147,361,492
97$590,161,047$0$0$162,303,060
98$649,949,844$0$0$178,765,855
99$715,824,259$0$0$196,904,953
100$788,404,619$0$0$216,891,246