Can I retire at age 35 with 2,250,000?

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 $2,250,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$185,803$184,148$182,533$180,957$179,418$172,300
2 years$91,982$90,269$88,608$86,999$85,437$78,354
3 years$60,712$58,991$57,335$55,741$54,205$47,379
4 years$45,080$43,365$41,726$40,158$38,659$32,144
5 years$35,704$33,999$32,381$30,845$29,388$23,199
6 years$29,455$27,762$26,168$24,667$23,254$17,395
7 years$24,993$23,315$21,746$20,280$18,912$13,381
8 years$21,648$19,985$18,442$17,013$15,689$10,482
9 years$19,048$17,401$15,884$14,491$13,212$8,320
10 years$16,969$15,338$13,848$12,491$11,258$6,670
11 years$15,269$13,654$12,192$10,871$9,682$5,389
12 years$13,853$12,255$10,820$9,536$8,390$4,380
13 years$12,657$11,075$9,667$8,418$7,316$3,578
14 years$11,632$10,067$8,686$7,473$6,414$2,933
15 years$10,744$9,197$7,842$6,665$5,647$2,412
16 years$9,968$8,438$7,110$5,967$4,991$1,988
17 years$9,285$7,771$6,470$5,362$4,425$1,643
18 years$8,677$7,181$5,906$4,832$3,935$1,359
19 years$8,135$6,655$5,407$4,366$3,507$1,126
20 years$7,647$6,184$4,962$3,954$3,133$934
21 years$7,206$5,760$4,564$3,589$2,803$776
22 years$6,806$5,377$4,207$3,263$2,513$644
23 years$6,441$5,029$3,884$2,972$2,256$536
24 years$6,108$4,712$3,592$2,710$2,027$446
25 years$5,801$4,422$3,327$2,475$1,824$371
26 years$5,518$4,156$3,086$2,263$1,643$309
27 years$5,257$3,911$2,865$2,072$1,482$257
28 years$5,015$3,685$2,664$1,898$1,337$214
29 years$4,790$3,477$2,479$1,741$1,207$178
30 years$4,580$3,283$2,309$1,597$1,091$149
31 years$4,384$3,104$2,152$1,467$986$124
32 years$4,201$2,937$2,008$1,348$892$103
33 years$4,029$2,781$1,875$1,240$807$86
34 years$3,868$2,636$1,752$1,141$731$72
35 years$3,716$2,500$1,638$1,050$662$60
36 years$3,574$2,373$1,532$967$600$50
37 years$3,439$2,254$1,434$891$544$42
38 years$3,311$2,142$1,343$821$493$35
39 years$3,190$2,037$1,258$757$447$29
40 years$3,076$1,938$1,179$699$405$24
41 years$2,968$1,845$1,106$644$368$20
42 years$2,865$1,757$1,037$595$334$17
43 years$2,767$1,674$973$549$303$14
44 years$2,673$1,596$914$507$275$12
45 years$2,584$1,522$858$468$250$10
46 years$2,500$1,451$806$432$227$8
47 years$2,419$1,385$757$400$206$7
48 years$2,341$1,322$711$369$187$6
49 years$2,268$1,263$669$341$170$5
50 years$2,197$1,206$629$315$154$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,250,000, adding $6,466 every year, while hoping to spend $27,671 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: 49/25/26 Blend
34$2,250,000$2,250,000$2,250,000$2,250,000
35$2,486,170$2,366,920$2,332,045$2,589,377
36$2,710,317$2,453,457$2,380,726$2,748,750
37$2,956,400$2,543,307$2,430,112$2,918,529
38$3,226,628$2,636,604$2,480,195$3,102,439
39$3,523,431$2,733,485$2,530,969$3,301,827
40$3,849,491$2,834,095$2,582,426$3,518,177
41$4,207,758$2,938,585$2,634,557$3,753,120
42$4,601,486$3,047,113$2,687,351$4,008,450
43$5,034,258$3,159,841$2,740,797$4,286,141
44$5,510,019$3,276,940$2,794,881$4,588,367
45$6,033,120$3,398,589$2,849,588$4,917,518
46$6,608,351$3,524,973$2,904,902$5,276,226
47$7,240,991$3,656,285$2,960,805$5,667,387
48$7,936,856$3,792,726$3,017,275$6,094,188
49$8,702,353$3,934,508$3,074,292$6,560,140
50$9,544,543$4,081,849$3,131,831$7,069,106
51$10,471,205$4,234,978$3,189,866$7,625,339
52$11,490,910$4,394,134$3,248,368$8,233,523
53$12,613,101$4,559,565$3,307,307$8,898,813
54$13,848,185$4,731,531$3,366,649$9,626,889
55$15,207,626$4,910,302$3,426,358$10,424,002
56$16,704,058$5,096,161$3,486,395$11,297,039
57$18,351,402$5,289,403$3,546,720$12,253,581
58$20,164,996$5,490,335$3,607,286$13,301,981
59$22,161,743$5,699,278$3,668,046$14,451,437
60$24,360,264$5,916,567$3,728,950$15,712,078
61$26,781,083$6,142,550$3,789,941$17,095,063
62$29,446,811$6,377,593$3,850,962$18,612,683
63$32,382,366$6,622,075$3,911,950$20,278,475
64$35,615,206$6,876,395$3,972,838$22,107,352
65$39,175,584$7,140,966$4,033,556$24,115,742
66$43,096,842$7,416,222$4,094,029$26,321,739
67$47,415,717$7,702,613$4,154,175$28,745,280
68$52,172,691$8,000,613$4,213,911$31,408,325
69$57,412,375$8,310,712$4,273,146$34,335,067
70$63,183,925$8,633,425$4,331,785$37,552,161
71$69,541,511$8,969,289$4,389,726$41,088,969
72$76,544,826$9,318,864$4,446,862$44,977,842
73$84,259,646$9,682,736$4,503,079$49,254,423
74$92,758,455$10,061,516$4,558,258$53,957,980
75$102,121,130$10,455,842$4,612,272$59,131,777
76$112,435,689$10,866,382$4,664,987$64,823,482
77$123,799,126$11,293,832$4,716,261$71,085,615
78$136,318,326$11,738,919$4,765,945$77,976,042
79$150,111,073$12,202,404$4,813,882$85,558,521
80$165,307,161$12,685,080$4,859,905$93,903,303
81$182,049,620$13,187,777$4,903,840$103,087,792
82$200,496,065$13,711,362$4,945,503$113,197,274
83$220,820,185$14,256,740$4,984,698$124,325,724
84$243,213,381$14,824,857$5,021,223$136,576,688
85$267,886,573$15,416,703$5,054,861$150,064,261
86$295,072,192$16,033,310$5,085,388$164,914,160
87$325,026,372$16,675,759$5,112,565$181,264,913
88$358,031,368$17,345,177$5,136,141$199,269,161
89$394,398,221$18,042,744$5,155,856$219,095,098
90$434,469,694$18,769,693$5,171,431$240,928,060
91$478,623,507$19,527,312$5,182,579$264,972,269
92$527,275,903$20,316,949$5,188,993$291,452,758
93$580,885,577$21,140,011$5,190,356$320,617,497
94$639,958,005$21,997,970$5,186,332$352,739,731
95$705,050,216$22,892,366$5,176,569$388,120,552
96$776,776,053$23,824,806$5,160,699$427,091,748
97$855,811,962$24,796,974$5,138,334$470,018,922
98$942,903,384$25,810,627$5,109,070$517,304,952
99$1,038,871,787$26,867,606$5,072,482$569,393,781
100$1,144,622,423$27,969,832$5,028,124$626,774,613