Can I retire at age 35 with 2,450,000?

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 $2,450,000?

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%
1 years$202,319$200,517$198,758$197,042$195,366$194,461
2 years$100,158$98,292$96,485$94,732$93,032$92,118
3 years$66,109$64,235$62,432$60,696$59,023$58,129
4 years$49,087$47,220$45,434$43,728$42,096$41,229
5 years$38,877$37,021$35,259$33,587$32,001$31,163
6 years$32,073$30,230$28,495$26,860$25,321$24,513
7 years$27,214$25,387$23,679$22,083$20,593$19,816
8 years$23,572$21,762$20,082$18,525$17,084$16,338
9 years$20,741$18,947$17,296$15,779$14,387$13,671
10 years$18,477$16,701$15,079$13,602$12,258$11,573
11 years$16,626$14,868$13,276$11,838$10,543$9,887
12 years$15,085$13,345$11,782$10,383$9,136$8,510
13 years$13,782$12,060$10,526$9,167$7,967$7,369
14 years$12,666$10,962$9,458$8,137$6,984$6,414
15 years$11,699$10,014$8,539$7,257$6,149$5,607
16 years$10,854$9,188$7,742$6,498$5,434$4,919
17 years$10,110$8,462$7,045$5,838$4,819$4,329
18 years$9,449$7,819$6,431$5,261$4,284$3,820
19 years$8,858$7,246$5,887$4,754$3,819$3,379
20 years$8,327$6,734$5,403$4,306$3,411$2,994
21 years$7,847$6,272$4,970$3,908$3,052$2,658
22 years$7,411$5,855$4,580$3,553$2,736$2,364
23 years$7,014$5,476$4,229$3,236$2,456$2,104
24 years$6,650$5,131$3,911$2,951$2,208$1,876
25 years$6,316$4,815$3,623$2,695$1,987$1,674
26 years$6,009$4,525$3,360$2,464$1,789$1,495
27 years$5,724$4,259$3,120$2,256$1,613$1,336
28 years$5,461$4,013$2,900$2,067$1,456$1,196
29 years$5,215$3,786$2,699$1,895$1,314$1,070
30 years$4,987$3,575$2,514$1,739$1,188$959
31 years$4,774$3,380$2,344$1,597$1,074$859
32 years$4,575$3,198$2,187$1,468$971$770
33 years$4,388$3,029$2,042$1,350$879$691
34 years$4,212$2,870$1,908$1,242$796$620
35 years$4,047$2,722$1,784$1,143$721$556
36 years$3,891$2,584$1,669$1,053$653$499
37 years$3,744$2,454$1,562$970$592$448
38 years$3,605$2,332$1,462$894$537$403
39 years$3,474$2,218$1,370$825$487$362
40 years$3,350$2,110$1,284$761$441$325
41 years$3,231$2,009$1,204$702$400$292
42 years$3,119$1,913$1,130$648$363$263
43 years$3,013$1,823$1,060$598$330$236
44 years$2,911$1,737$995$552$299$212
45 years$2,814$1,657$934$510$272$191
46 years$2,722$1,580$877$471$247$172
47 years$2,634$1,508$824$435$224$154
48 years$2,550$1,440$775$402$203$139
49 years$2,469$1,375$728$372$185$125
50 years$2,392$1,313$685$343$168$112

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,450,000, adding $4,673 every year, while hoping to spend $47,052 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: 55/37/8 Blend
34$2,450,000$2,450,000$2,450,000$2,450,000
35$2,704,720$2,574,870$2,536,895$2,848,095
36$2,930,539$2,650,976$2,571,818$3,021,611
37$3,177,814$2,729,234$2,606,334$3,204,834
38$3,448,684$2,809,700$2,640,380$3,403,179
39$3,745,505$2,892,430$2,673,888$3,618,093
40$4,070,872$2,977,484$2,706,788$3,851,162
41$4,427,640$3,064,920$2,739,005$4,104,137
42$4,818,957$3,154,799$2,770,459$4,378,942
43$5,248,289$3,247,183$2,801,068$4,677,694
44$5,719,454$3,342,134$2,830,743$5,002,724
45$6,236,656$3,439,717$2,859,391$5,356,599
46$6,804,529$3,539,996$2,886,914$5,742,144
47$7,428,173$3,643,039$2,913,209$6,162,468
48$8,113,212$3,748,913$2,938,166$6,620,997
49$8,865,836$3,857,686$2,961,671$7,121,500
50$9,692,868$3,969,429$2,983,604$7,668,130
51$10,601,823$4,084,214$3,003,837$8,265,459
52$11,600,980$4,202,111$3,022,236$8,918,522
53$12,699,461$4,323,196$3,038,662$9,632,865
54$13,907,315$4,447,541$3,052,967$10,414,596
55$15,235,615$4,575,224$3,064,994$11,270,442
56$16,696,558$4,706,320$3,074,582$12,207,814
57$18,303,585$4,840,908$3,081,558$13,234,873
58$20,071,504$4,979,066$3,085,744$14,360,610
59$22,016,630$5,120,874$3,086,950$15,594,931
60$24,156,942$5,266,412$3,084,978$16,948,746
61$26,512,245$5,415,761$3,079,620$18,434,075
62$29,104,366$5,569,005$3,070,659$20,064,160
63$31,957,350$5,726,226$3,057,865$21,853,590
64$35,097,696$5,887,507$3,041,000$23,818,437
65$38,554,599$6,052,932$3,019,811$25,976,410
66$42,360,229$6,222,588$2,994,036$28,347,018
67$46,550,036$6,396,557$2,963,399$30,951,757
68$51,163,078$6,574,927$2,927,612$33,814,310
69$56,242,396$6,757,782$2,886,370$36,960,774
70$61,835,415$6,945,209$2,839,359$40,419,900
71$67,994,397$7,137,293$2,786,247$44,223,369
72$74,776,925$7,334,120$2,726,685$48,406,088
73$82,246,454$7,535,775$2,660,312$53,006,521
74$90,472,907$7,742,343$2,586,748$58,067,049
75$99,533,334$7,953,908$2,505,595$63,634,373
76$109,512,639$8,170,554$2,416,436$69,759,951
77$120,504,380$8,392,363$2,318,839$76,500,487
78$132,611,655$8,619,417$2,212,348$83,918,460
79$145,948,070$8,851,795$2,096,488$92,082,721
80$160,638,815$9,089,575$1,970,762$101,069,136
81$176,821,843$9,332,833$1,834,652$110,961,307
82$194,649,174$9,581,644$1,687,615$121,851,355
83$214,288,324$9,836,080$1,529,085$133,840,796
84$235,923,893$10,096,208$1,358,469$147,041,493
85$259,759,303$10,362,094$1,175,150$161,576,713
86$286,018,715$10,633,800$978,482$177,582,295
87$314,949,153$10,911,386$767,790$195,207,924
88$346,822,827$11,194,903$542,370$214,618,551
89$381,939,703$11,484,402$301,489$235,995,946
90$420,630,342$11,779,926$44,377$259,540,413
91$463,259,008$12,081,514$0$285,472,684
92$510,227,116$12,389,197$0$314,055,634
93$561,977,015$12,703,001$0$345,542,992
94$618,996,166$13,022,944$0$380,226,426
95$681,821,741$13,349,034$0$418,431,518
96$751,045,696$13,681,274$0$460,517,052
97$827,320,356$14,019,656$0$506,878,401
98$911,364,573$14,364,159$0$557,951,253
99$1,003,970,513$14,714,756$0$614,215,728
100$1,106,011,131$15,071,405$0$676,200,909