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%11.1%
1 years$203,145$201,335$199,570$197,846$196,164$195,255
2 years$100,567$98,694$96,878$95,118$93,411$92,494
3 years$66,378$64,497$62,687$60,943$59,264$58,367
4 years$49,288$47,412$45,620$43,906$42,268$41,397
5 years$39,036$37,172$35,403$33,724$32,131$31,290
6 years$32,204$30,354$28,611$26,970$25,424$24,613
7 years$27,325$25,491$23,776$22,173$20,677$19,897
8 years$23,668$21,850$20,164$18,600$17,153$16,404
9 years$20,825$19,025$17,367$15,843$14,446$13,727
10 years$18,552$16,769$15,141$13,657$12,308$11,620
11 years$16,694$14,929$13,330$11,886$10,586$9,928
12 years$15,146$13,399$11,830$10,426$9,173$8,545
13 years$13,838$12,109$10,569$9,204$7,999$7,400
14 years$12,717$11,007$9,496$8,170$7,012$6,441
15 years$11,747$10,055$8,574$7,287$6,174$5,630
16 years$10,899$9,225$7,774$6,524$5,457$4,939
17 years$10,151$8,496$7,074$5,862$4,838$4,347
18 years$9,487$7,851$6,457$5,283$4,302$3,836
19 years$8,894$7,276$5,911$4,774$3,834$3,392
20 years$8,361$6,761$5,425$4,323$3,425$3,006
21 years$7,879$6,298$4,990$3,924$3,065$2,669
22 years$7,441$5,879$4,599$3,568$2,747$2,373
23 years$7,043$5,498$4,247$3,249$2,466$2,113
24 years$6,678$5,152$3,927$2,963$2,217$1,884
25 years$6,342$4,834$3,637$2,706$1,995$1,681
26 years$6,033$4,544$3,374$2,474$1,797$1,501
27 years$5,748$4,276$3,133$2,265$1,620$1,342
28 years$5,483$4,029$2,912$2,075$1,462$1,200
29 years$5,237$3,801$2,710$1,903$1,320$1,075
30 years$5,007$3,590$2,524$1,746$1,193$962
31 years$4,793$3,394$2,353$1,604$1,078$862
32 years$4,593$3,211$2,196$1,474$975$773
33 years$4,405$3,041$2,050$1,356$883$693
34 years$4,229$2,882$1,916$1,247$799$622
35 years$4,063$2,734$1,791$1,148$724$558
36 years$3,907$2,595$1,675$1,057$656$501
37 years$3,760$2,464$1,568$974$594$450
38 years$3,620$2,342$1,468$898$539$404
39 years$3,488$2,227$1,376$828$489$363
40 years$3,363$2,119$1,290$764$443$326
41 years$3,245$2,017$1,209$705$402$293
42 years$3,132$1,921$1,134$650$365$264
43 years$3,025$1,830$1,064$600$331$237
44 years$2,923$1,744$999$554$301$213
45 years$2,826$1,664$938$512$273$192
46 years$2,733$1,587$881$473$248$172
47 years$2,645$1,514$828$437$225$155
48 years$2,560$1,446$778$404$204$139
49 years$2,479$1,381$731$373$186$125
50 years$2,402$1,319$687$345$169$113

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 $5,751 every year, while hoping to spend $36,682 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: 72/23/5 Blend
34$2,460,000$2,460,000$2,460,000$2,460,000
35$2,716,852$2,586,472$2,548,342$2,910,870
36$2,954,942$2,674,180$2,594,682$3,127,220
37$3,216,087$2,764,956$2,641,345$3,358,842
38$3,502,601$2,858,912$2,688,303$3,611,379
39$3,817,031$2,956,163$2,735,527$3,886,877
40$4,162,184$3,056,831$2,782,982$4,187,592
41$4,541,151$3,161,040$2,830,636$4,516,005
42$4,957,336$3,268,919$2,878,451$4,874,846
43$5,414,492$3,380,603$2,926,386$5,267,123
44$5,916,750$3,496,233$2,974,400$5,696,145
45$6,468,662$3,615,952$3,022,446$6,165,558
46$7,075,245$3,739,913$3,070,477$6,679,375
47$7,742,022$3,868,271$3,118,441$7,242,016
48$8,475,082$4,001,189$3,166,282$7,858,345
49$9,281,130$4,138,837$3,213,941$8,533,723
50$10,167,554$4,281,390$3,261,358$9,274,051
51$11,142,496$4,429,029$3,308,465$10,085,828
52$12,214,925$4,581,946$3,355,193$10,976,213
53$13,394,722$4,740,336$3,401,466$11,953,092
54$14,692,775$4,904,404$3,447,207$13,025,148
55$16,121,081$5,074,362$3,492,331$14,201,946
56$17,692,858$5,250,433$3,536,751$15,494,024
57$19,422,671$5,432,845$3,580,373$16,912,989
58$21,326,566$5,621,837$3,623,098$18,471,625
59$23,422,226$5,817,658$3,664,823$20,184,017
60$25,729,134$6,020,564$3,705,436$22,065,681
61$28,268,759$6,230,825$3,744,821$24,133,710
62$31,064,757$6,448,720$3,782,856$26,406,934
63$34,143,192$6,674,537$3,819,412$28,906,097
64$37,532,788$6,908,579$3,854,353$31,654,056
65$41,265,192$7,151,160$3,887,534$34,675,990
66$45,375,280$7,402,605$3,918,804$37,999,641
67$49,901,479$7,663,253$3,948,005$41,655,574
68$54,886,135$7,933,458$3,974,968$45,677,463
69$60,375,909$8,213,585$3,999,518$50,102,411
70$66,422,219$8,504,018$4,021,469$54,971,297
71$73,081,724$8,805,153$4,040,626$60,329,164
72$80,416,857$9,117,404$4,056,785$66,225,639
73$88,496,420$9,441,200$4,069,730$72,715,403
74$97,396,225$9,776,988$4,079,236$79,858,705
75$107,199,814$10,125,235$4,085,065$87,721,933
76$117,999,249$10,486,426$4,086,969$96,378,236
77$129,895,976$10,861,063$4,084,685$105,908,212
78$143,001,783$11,249,674$4,077,941$116,400,675
79$157,439,861$11,652,803$4,066,447$127,953,483
80$173,345,957$12,071,021$4,049,903$140,674,467
81$190,869,662$12,504,919$4,027,993$154,682,446
82$210,175,822$12,955,114$4,000,385$170,108,346
83$231,446,089$13,422,248$3,966,731$187,096,436
84$254,880,643$13,906,991$3,926,669$205,805,688
85$280,700,073$14,410,038$3,879,817$226,411,276
86$309,147,465$14,932,115$3,825,776$249,106,229
87$340,490,696$15,473,977$3,764,128$274,103,252
88$375,024,956$16,036,411$3,694,436$301,636,729
89$413,075,544$16,620,238$3,616,242$331,964,939
90$455,000,930$17,226,310$3,529,066$365,372,489
91$501,196,143$17,855,517$3,432,408$402,173,000
92$552,096,499$18,508,787$3,325,744$442,712,066
93$608,181,709$19,187,085$3,208,524$487,370,515
94$669,980,410$19,891,418$3,080,175$536,567,999
95$738,075,148$20,622,835$2,940,098$590,766,961
96$813,107,888$21,382,428$2,787,665$650,476,989
97$895,786,062$22,171,337$2,622,222$716,259,634
98$986,889,257$22,990,749$2,443,083$788,733,700
99$1,087,276,568$23,841,903$2,249,533$868,581,091
100$1,197,894,710$24,726,088$2,040,825$956,553,241