Can I retire at age 35 with 2,460,000?

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 $2,460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$203,145$201,335$199,570$197,846$196,164$193,793
2 years$100,567$98,694$96,878$95,118$93,411$91,025
3 years$66,378$64,497$62,687$60,943$59,264$56,937
4 years$49,288$47,412$45,620$43,906$42,268$40,017
5 years$39,036$37,172$35,403$33,724$32,131$29,964
6 years$32,204$30,354$28,611$26,970$25,424$23,344
7 years$27,325$25,491$23,776$22,173$20,677$18,683
8 years$23,668$21,850$20,164$18,600$17,153$15,246
9 years$20,825$19,025$17,367$15,843$14,446$12,625
10 years$18,552$16,769$15,141$13,657$12,308$10,572
11 years$16,694$14,929$13,330$11,886$10,586$8,933
12 years$15,146$13,399$11,830$10,426$9,173$7,602
13 years$13,838$12,109$10,569$9,204$7,999$6,507
14 years$12,717$11,007$9,496$8,170$7,012$5,597
15 years$11,747$10,055$8,574$7,287$6,174$4,834
16 years$10,899$9,225$7,774$6,524$5,457$4,189
17 years$10,151$8,496$7,074$5,862$4,838$3,641
18 years$9,487$7,851$6,457$5,283$4,302$3,172
19 years$8,894$7,276$5,911$4,774$3,834$2,769
20 years$8,361$6,761$5,425$4,323$3,425$2,422
21 years$7,879$6,298$4,990$3,924$3,065$2,122
22 years$7,441$5,879$4,599$3,568$2,747$1,861
23 years$7,043$5,498$4,247$3,249$2,466$1,635
24 years$6,678$5,152$3,927$2,963$2,217$1,437
25 years$6,342$4,834$3,637$2,706$1,995$1,265
26 years$6,033$4,544$3,374$2,474$1,797$1,114
27 years$5,748$4,276$3,133$2,265$1,620$982
28 years$5,483$4,029$2,912$2,075$1,462$866
29 years$5,237$3,801$2,710$1,903$1,320$764
30 years$5,007$3,590$2,524$1,746$1,193$674
31 years$4,793$3,394$2,353$1,604$1,078$595
32 years$4,593$3,211$2,196$1,474$975$526
33 years$4,405$3,041$2,050$1,356$883$465
34 years$4,229$2,882$1,916$1,247$799$411
35 years$4,063$2,734$1,791$1,148$724$363
36 years$3,907$2,595$1,675$1,057$656$321
37 years$3,760$2,464$1,568$974$594$284
38 years$3,620$2,342$1,468$898$539$251
39 years$3,488$2,227$1,376$828$489$222
40 years$3,363$2,119$1,290$764$443$197
41 years$3,245$2,017$1,209$705$402$174
42 years$3,132$1,921$1,134$650$365$154
43 years$3,025$1,830$1,064$600$331$136
44 years$2,923$1,744$999$554$301$121
45 years$2,826$1,664$938$512$273$107
46 years$2,733$1,587$881$473$248$95
47 years$2,645$1,514$828$437$225$84
48 years$2,560$1,446$778$404$204$74
49 years$2,479$1,381$731$373$186$66
50 years$2,402$1,319$687$345$169$58

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,460,000, adding $5,784 every year, while hoping to spend $56,172 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: 81/10/9 Blend
34$2,460,000$2,460,000$2,460,000$2,460,000
35$2,716,886$2,586,506$2,548,376$2,932,969
36$2,934,242$2,653,478$2,573,980$3,142,343
37$3,171,885$2,721,850$2,598,559$3,364,097
38$3,431,827$2,791,629$2,622,020$3,605,803
39$3,716,279$2,862,825$2,644,263$3,869,430
40$4,027,679$2,935,443$2,665,186$4,157,142
41$4,368,710$3,009,487$2,684,677$4,471,327
42$4,742,328$3,084,962$2,702,624$4,814,612
43$5,151,788$3,161,867$2,718,904$5,189,890
44$5,600,673$3,240,202$2,733,390$5,600,351
45$6,092,932$3,319,962$2,745,949$6,049,504
46$6,632,912$3,401,141$2,756,439$6,541,218
47$7,225,403$3,483,731$2,764,714$7,079,753
48$7,875,680$3,567,720$2,770,618$7,669,803
49$8,589,554$3,653,093$2,773,988$8,316,538
50$9,373,426$3,739,831$2,774,654$9,025,653
51$10,234,346$3,827,914$2,772,436$9,803,424
52$11,180,082$3,917,314$2,767,145$10,656,765
53$12,219,191$4,008,003$2,758,585$11,593,291
54$13,361,099$4,099,946$2,746,549$12,621,395
55$14,616,192$4,193,105$2,730,819$13,750,323
56$15,995,911$4,287,434$2,711,168$14,990,262
57$17,512,860$4,382,884$2,687,359$16,352,437
58$19,180,927$4,479,401$2,659,140$17,849,214
59$21,015,412$4,576,922$2,626,252$19,494,220
60$23,033,173$4,675,380$2,588,420$21,302,471
61$25,252,782$4,774,699$2,545,358$23,290,510
62$27,694,704$4,874,797$2,496,765$25,476,568
63$30,381,484$4,975,583$2,442,328$27,880,733
64$33,337,967$5,076,958$2,381,717$30,525,140
65$36,591,525$5,178,814$2,314,590$33,434,177
66$40,172,318$5,281,033$2,240,586$36,634,723
67$44,113,578$5,383,488$2,159,329$40,156,392
68$48,451,922$5,486,038$2,070,426$44,031,819
69$53,227,699$5,588,535$1,973,466$48,296,966
70$58,485,366$5,690,814$1,868,019$52,991,459
71$64,273,911$5,792,702$1,753,635$58,158,968
72$70,647,312$5,894,007$1,629,845$63,847,611
73$77,665,052$5,994,527$1,496,157$70,110,416
74$85,392,669$6,094,041$1,352,061$77,005,814
75$93,902,385$6,192,313$1,197,019$84,598,199
76$103,273,782$6,289,090$1,030,473$92,958,527
77$113,594,553$6,384,100$851,838$102,164,993
78$124,961,327$6,477,050$660,505$112,303,765
79$137,480,586$6,567,630$455,836$123,469,798
80$151,269,666$6,655,504$237,166$135,767,731
81$166,457,863$6,740,314$3,802$149,312,877
82$183,187,654$6,821,679$0$164,232,306
83$201,616,044$6,899,190$0$180,689,601
84$221,916,042$6,972,412$0$198,817,446
85$244,278,297$7,040,879$0$218,785,604
86$268,912,897$7,104,096$0$240,781,551
87$296,051,350$7,161,534$0$265,011,880
88$325,948,769$7,212,631$0$291,704,251
89$358,886,280$7,256,787$0$321,109,541
90$395,173,676$7,293,365$0$353,504,210
91$435,152,338$7,321,686$0$389,192,909
92$479,198,458$7,341,031$0$428,511,360
93$527,726,591$7,350,631$0$471,829,523
94$581,193,565$7,349,673$0$519,555,085
95$640,102,794$7,337,293$0$572,137,314
96$705,009,030$7,312,572$0$630,071,296
97$776,523,599$7,274,535$0$693,902,611
98$855,320,168$7,222,150$0$764,232,478
99$942,141,110$7,154,319$0$841,723,440
100$1,037,804,503$7,069,881$0$927,105,607