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

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 $2,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$206,448$204,609$202,815$201,063$199,354$196,537
2 years$102,202$100,298$98,454$96,665$94,930$92,098
3 years$67,458$65,546$63,706$61,934$60,228$57,468
4 years$50,089$48,183$46,362$44,620$42,955$40,289
5 years$39,671$37,776$35,979$34,273$32,654$30,089
6 years$32,727$30,847$29,076$27,408$25,838$23,377
7 years$27,770$25,905$24,162$22,534$21,013$18,658
8 years$24,053$22,206$20,492$18,903$17,432$15,182
9 years$21,164$19,334$17,649$16,101$14,680$12,534
10 years$18,854$17,042$15,387$13,879$12,509$10,465
11 years$16,965$15,172$13,547$12,079$10,758$8,814
12 years$15,393$13,617$12,022$10,595$9,322$7,477
13 years$14,063$12,306$10,741$9,354$8,129$6,379
14 years$12,924$11,186$9,651$8,303$7,126$5,469
15 years$11,938$10,218$8,713$7,405$6,274$4,707
16 years$11,076$9,375$7,900$6,630$5,545$4,065
17 years$10,316$8,634$7,189$5,957$4,917$3,521
18 years$9,642$7,978$6,562$5,369$4,372$3,056
19 years$9,039$7,394$6,008$4,851$3,897$2,659
20 years$8,497$6,871$5,513$4,394$3,481$2,317
21 years$8,007$6,400$5,071$3,988$3,115$2,022
22 years$7,562$5,974$4,674$3,626$2,792$1,767
23 years$7,157$5,588$4,316$3,302$2,506$1,546
24 years$6,786$5,235$3,991$3,012$2,253$1,354
25 years$6,445$4,913$3,697$2,750$2,027$1,187
26 years$6,131$4,617$3,428$2,515$1,826$1,041
27 years$5,841$4,346$3,184$2,302$1,646$914
28 years$5,572$4,095$2,960$2,109$1,485$802
29 years$5,322$3,863$2,754$1,934$1,341$705
30 years$5,089$3,648$2,565$1,775$1,212$620
31 years$4,871$3,449$2,392$1,630$1,096$545
32 years$4,668$3,263$2,231$1,498$991$479
33 years$4,477$3,090$2,084$1,378$897$422
34 years$4,298$2,929$1,947$1,268$812$371
35 years$4,129$2,778$1,820$1,167$736$327
36 years$3,971$2,637$1,703$1,075$666$288
37 years$3,821$2,504$1,594$990$604$254
38 years$3,679$2,380$1,492$913$548$223
39 years$3,545$2,263$1,398$841$497$197
40 years$3,418$2,153$1,310$776$450$173
41 years$3,297$2,050$1,229$716$409$153
42 years$3,183$1,952$1,153$661$371$135
43 years$3,074$1,860$1,082$610$337$119
44 years$2,970$1,773$1,015$563$305$105
45 years$2,872$1,691$953$520$277$92
46 years$2,777$1,613$895$481$252$81
47 years$2,688$1,539$841$444$229$72
48 years$2,602$1,469$791$410$208$63
49 years$2,519$1,403$743$379$189$56
50 years$2,441$1,340$699$350$171$49

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 $5,684 every year, while hoping to spend $59,213 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: 74/10/16 Blend
34$2,500,000$2,500,000$2,500,000$2,500,000
35$2,760,863$2,628,363$2,589,613$2,954,860
36$2,979,469$2,694,151$2,613,363$3,149,861
37$3,218,388$2,761,177$2,635,924$3,355,627
38$3,479,630$2,829,441$2,657,193$3,579,518
39$3,765,407$2,898,938$2,677,064$3,823,320
40$4,078,155$2,969,663$2,695,422$4,089,001
41$4,420,556$3,041,606$2,712,149$4,378,728
42$4,795,565$3,114,757$2,727,118$4,694,888
43$5,206,435$3,189,102$2,740,198$5,040,111
44$5,656,747$3,264,625$2,751,251$5,417,293
45$6,150,448$3,341,304$2,760,131$5,829,627
46$6,691,883$3,419,117$2,766,684$6,280,627
47$7,285,838$3,498,037$2,770,751$6,774,169
48$7,937,585$3,578,032$2,772,163$7,314,520
49$8,652,931$3,659,068$2,770,743$7,906,383
50$9,438,272$3,741,104$2,766,305$8,554,939
51$10,300,655$3,824,097$2,758,654$9,265,898
52$11,247,840$3,907,996$2,747,588$10,045,551
53$12,288,378$3,992,746$2,732,891$10,900,829
54$13,431,689$4,078,287$2,714,339$11,839,370
55$14,688,150$4,164,552$2,691,697$12,869,590
56$16,069,191$4,251,465$2,664,720$14,000,765
57$17,587,409$4,338,947$2,633,148$15,243,114
58$19,256,679$4,426,910$2,596,713$16,607,899
59$21,092,288$4,515,256$2,555,130$18,107,529
60$23,111,079$4,603,881$2,508,104$19,755,681
61$25,331,609$4,692,671$2,455,326$21,567,423
62$27,774,324$4,781,502$2,396,470$23,559,364
63$30,461,750$4,870,242$2,331,198$25,749,803
64$33,418,710$4,958,745$2,259,153$28,158,908
65$36,672,550$5,046,854$2,179,967$30,808,903
66$40,253,403$5,134,403$2,093,248$33,724,280
67$44,194,471$5,221,210$1,998,593$36,932,028
68$48,532,337$5,307,080$1,895,577$40,461,889
69$53,307,312$5,391,803$1,783,755$44,346,641
70$58,563,812$5,475,156$1,662,665$48,622,405
71$64,350,778$5,556,895$1,531,821$53,328,987
72$70,722,138$5,636,764$1,390,718$58,510,253
73$77,737,316$5,714,486$1,238,827$64,214,546
74$85,461,790$5,789,763$1,075,595$70,495,141
75$93,967,711$5,862,280$900,446$77,410,747
76$103,334,584$5,931,698$712,778$85,026,064
77$113,650,016$5,997,656$511,961$93,412,393
78$125,010,545$6,059,768$297,338$102,648,309
79$137,522,546$6,117,623$68,225$112,820,405
80$151,303,241$6,170,781$0$124,024,107
81$166,481,799$6,218,776$0$136,394,674
82$183,200,556$6,261,111$0$150,032,289
83$201,616,362$6,297,254$0$165,053,144
84$221,902,055$6,326,643$0$181,598,125
85$244,248,094$6,348,678$0$199,822,484
86$268,864,358$6,362,722$0$219,897,306
87$295,982,124$6,368,097$0$242,011,121
88$325,856,251$6,364,084$0$266,371,684
89$358,767,583$6,349,919$0$293,207,939
90$395,025,602$6,324,790$0$322,772,174
91$434,971,346$6,287,838$0$355,342,410
92$478,980,630$6,238,148$0$391,225,019
93$527,467,590$6,174,753$0$430,757,617
94$580,888,595$6,096,627$0$474,312,257
95$639,746,550$6,002,680$0$522,298,933
96$704,595,648$5,891,761$0$575,169,454
97$776,046,594$5,762,647$0$633,421,712
98$854,772,376$5,614,046$0$697,604,376
99$941,514,611$5,444,588$0$768,322,078
100$1,037,090,552$5,252,823$0$846,241,115