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%15.5%
1 years$203,145$201,335$199,570$197,846$196,164$191,733
2 years$100,567$98,694$96,878$95,118$93,411$88,971
3 years$66,378$64,497$62,687$60,943$59,264$54,953
4 years$49,288$47,412$45,620$43,906$42,268$38,119
5 years$39,036$37,172$35,403$33,724$32,131$28,157
6 years$32,204$30,354$28,611$26,970$25,424$21,628
7 years$27,325$25,491$23,776$22,173$20,677$17,060
8 years$23,668$21,850$20,164$18,600$17,153$13,714
9 years$20,825$19,025$17,367$15,843$14,446$11,181
10 years$18,552$16,769$15,141$13,657$12,308$9,215
11 years$16,694$14,929$13,330$11,886$10,586$7,660
12 years$15,146$13,399$11,830$10,426$9,173$6,410
13 years$13,838$12,109$10,569$9,204$7,999$5,394
14 years$12,717$11,007$9,496$8,170$7,012$4,559
15 years$11,747$10,055$8,574$7,287$6,174$3,868
16 years$10,899$9,225$7,774$6,524$5,457$3,291
17 years$10,151$8,496$7,074$5,862$4,838$2,808
18 years$9,487$7,851$6,457$5,283$4,302$2,400
19 years$8,894$7,276$5,911$4,774$3,834$2,056
20 years$8,361$6,761$5,425$4,323$3,425$1,764
21 years$7,879$6,298$4,990$3,924$3,065$1,515
22 years$7,441$5,879$4,599$3,568$2,747$1,303
23 years$7,043$5,498$4,247$3,249$2,466$1,121
24 years$6,678$5,152$3,927$2,963$2,217$966
25 years$6,342$4,834$3,637$2,706$1,995$833
26 years$6,033$4,544$3,374$2,474$1,797$718
27 years$5,748$4,276$3,133$2,265$1,620$620
28 years$5,483$4,029$2,912$2,075$1,462$535
29 years$5,237$3,801$2,710$1,903$1,320$462
30 years$5,007$3,590$2,524$1,746$1,193$399
31 years$4,793$3,394$2,353$1,604$1,078$345
32 years$4,593$3,211$2,196$1,474$975$298
33 years$4,405$3,041$2,050$1,356$883$258
34 years$4,229$2,882$1,916$1,247$799$223
35 years$4,063$2,734$1,791$1,148$724$193
36 years$3,907$2,595$1,675$1,057$656$167
37 years$3,760$2,464$1,568$974$594$144
38 years$3,620$2,342$1,468$898$539$125
39 years$3,488$2,227$1,376$828$489$108
40 years$3,363$2,119$1,290$764$443$94
41 years$3,245$2,017$1,209$705$402$81
42 years$3,132$1,921$1,134$650$365$70
43 years$3,025$1,830$1,064$600$331$61
44 years$2,923$1,744$999$554$301$53
45 years$2,826$1,664$938$512$273$45
46 years$2,733$1,587$881$473$248$39
47 years$2,645$1,514$828$437$225$34
48 years$2,560$1,446$778$404$204$29
49 years$2,479$1,381$731$373$186$26
50 years$2,402$1,319$687$345$169$22

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 $4,216 every year, while hoping to spend $52,771 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: 63/28/9 Blend
34$2,460,000$2,460,000$2,460,000$2,460,000
35$2,715,269$2,584,889$2,546,759$2,880,871
36$2,936,078$2,655,400$2,575,927$3,062,494
37$3,177,642$2,727,598$2,604,304$3,254,190
38$3,442,020$2,801,510$2,631,807$3,462,153
39$3,731,483$2,877,161$2,658,350$3,687,957
40$4,048,531$2,954,578$2,683,841$3,933,337
41$4,395,915$3,033,786$2,708,184$4,200,204
42$4,776,667$3,114,810$2,731,276$4,490,658
43$5,194,125$3,197,674$2,753,012$4,807,015
44$5,651,966$3,282,400$2,773,278$5,151,825
45$6,154,240$3,369,012$2,791,957$5,527,895
46$6,705,408$3,457,529$2,808,923$5,938,316
47$7,310,384$3,547,972$2,824,046$6,386,493
48$7,974,580$3,640,359$2,837,188$6,876,177
49$8,703,957$3,734,707$2,848,204$7,411,499
50$9,505,083$3,831,030$2,856,942$7,997,008
51$10,385,195$3,929,344$2,863,242$8,637,718
52$11,352,261$4,029,658$2,866,938$9,339,150
53$12,415,063$4,131,983$2,867,851$10,107,386
54$13,583,275$4,236,325$2,865,799$10,949,128
55$14,867,553$4,342,689$2,860,588$11,871,757
56$16,279,639$4,451,076$2,852,013$12,883,408
57$17,832,469$4,561,486$2,839,862$13,993,042
58$19,540,295$4,673,913$2,823,912$15,210,531
59$21,418,821$4,788,351$2,803,929$16,546,753
60$23,485,347$4,904,786$2,779,667$18,013,694
61$25,758,935$5,023,203$2,750,868$19,624,560
62$28,260,589$5,143,583$2,717,265$21,393,902
63$31,013,450$5,265,899$2,678,574$23,337,752
64$34,043,017$5,390,124$2,634,502$25,473,778
65$37,377,385$5,516,220$2,584,738$27,821,446
66$41,047,511$5,644,147$2,528,959$30,402,206
67$45,087,505$5,773,858$2,466,827$33,239,695
68$49,534,952$5,905,299$2,397,988$36,359,958
69$54,431,268$6,038,410$2,322,071$39,791,697
70$59,822,086$6,173,120$2,238,689$43,566,536
71$65,757,691$6,309,355$2,147,437$47,719,327
72$72,293,490$6,447,029$2,047,891$52,288,474
73$79,490,540$6,586,046$1,939,609$57,316,295
74$87,416,116$6,726,304$1,822,127$62,849,426
75$96,144,354$6,867,686$1,694,962$68,939,256
76$105,756,943$7,010,068$1,557,609$75,642,417
77$116,343,901$7,153,312$1,409,539$83,021,315
78$128,004,421$7,297,266$1,250,200$91,144,720
79$140,847,808$7,441,768$1,079,018$100,088,417
80$154,994,509$7,586,639$895,389$109,935,920
81$170,577,250$7,731,685$698,686$120,779,262
82$187,742,289$7,876,698$488,252$132,719,860
83$206,650,797$8,021,451$263,402$145,869,480
84$227,480,374$8,165,698$23,423$160,351,284
85$250,426,732$8,309,176$0$176,301,001
86$275,705,533$8,451,600$0$193,890,545
87$303,554,433$8,592,665$0$213,266,256
88$334,235,320$8,732,040$0$234,607,602
89$368,036,784$8,869,371$0$258,114,837
90$405,276,846$9,004,281$0$284,008,638
91$446,305,954$9,136,360$0$312,532,188
92$491,510,294$9,265,174$0$343,953,470
93$541,315,431$9,390,255$0$378,567,804
94$596,190,332$9,511,105$0$416,700,624
95$656,651,786$9,627,189$0$458,710,560
96$723,269,285$9,737,937$0$504,992,821
97$796,670,397$9,842,741$0$555,982,924
98$877,546,693$9,940,951$0$612,160,807
99$966,660,273$10,031,875$0$674,055,362
100$1,064,850,959$10,114,775$0$742,249,426