Can I retire at age 35 with 2,480,000?

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 $2,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$204,796$202,972$201,192$199,455$197,759$191,275
2 years$101,384$99,496$97,666$95,892$94,171$87,701
3 years$66,918$65,022$63,196$61,439$59,746$53,492
4 years$49,688$47,798$45,991$44,263$42,611$36,622
5 years$39,353$37,474$35,691$33,998$32,392$26,683
6 years$32,465$30,600$28,843$27,189$25,631$20,207
7 years$27,548$25,698$23,969$22,353$20,845$15,705
8 years$23,861$22,028$20,328$18,752$17,293$12,434
9 years$20,995$19,179$17,508$15,972$14,563$9,979
10 years$18,703$16,906$15,264$13,768$12,408$8,092
11 years$16,830$15,050$13,438$11,983$10,672$6,615
12 years$15,270$13,508$11,926$10,510$9,248$5,442
13 years$13,950$12,207$10,655$9,279$8,064$4,499
14 years$12,821$11,096$9,574$8,237$7,069$3,735
15 years$11,842$10,137$8,644$7,346$6,224$3,111
16 years$10,987$9,300$7,837$6,577$5,501$2,599
17 years$10,234$8,565$7,131$5,910$4,878$2,175
18 years$9,564$7,915$6,510$5,326$4,337$1,824
19 years$8,966$7,335$5,959$4,812$3,866$1,532
20 years$8,429$6,816$5,469$4,359$3,453$1,289
21 years$7,943$6,349$5,031$3,956$3,090$1,085
22 years$7,502$5,927$4,637$3,597$2,770$914
23 years$7,100$5,543$4,281$3,275$2,486$771
24 years$6,732$5,193$3,959$2,987$2,235$651
25 years$6,394$4,874$3,667$2,728$2,011$549
26 years$6,082$4,581$3,401$2,495$1,811$464
27 years$5,794$4,311$3,158$2,283$1,633$392
28 years$5,527$4,062$2,936$2,092$1,474$331
29 years$5,279$3,832$2,732$1,918$1,331$280
30 years$5,048$3,619$2,545$1,761$1,202$237
31 years$4,832$3,421$2,373$1,617$1,087$200
32 years$4,631$3,237$2,214$1,486$983$170
33 years$4,441$3,066$2,067$1,367$890$144
34 years$4,264$2,905$1,931$1,257$806$121
35 years$4,096$2,756$1,805$1,157$730$103
36 years$3,939$2,616$1,689$1,066$661$87
37 years$3,790$2,484$1,581$982$599$74
38 years$3,650$2,361$1,480$905$543$62
39 years$3,517$2,245$1,387$835$493$53
40 years$3,391$2,136$1,300$770$447$45
41 years$3,271$2,033$1,219$710$405$38
42 years$3,157$1,936$1,143$656$368$32
43 years$3,049$1,845$1,073$605$334$27
44 years$2,947$1,759$1,007$559$303$23
45 years$2,849$1,677$946$516$275$19
46 years$2,755$1,600$888$477$250$16
47 years$2,666$1,527$834$440$227$14
48 years$2,581$1,457$784$407$206$12
49 years$2,499$1,392$737$376$187$10
50 years$2,421$1,330$693$348$170$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,480,000, adding $6,041 every year, while hoping to spend $51,609 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: 42/48/10 Blend
34$2,480,000$2,480,000$2,480,000$2,480,000
35$2,739,191$2,607,751$2,569,311$2,845,966
36$2,963,677$2,680,620$2,600,472$2,994,041
37$3,209,331$2,755,329$2,630,946$3,148,627
38$3,478,257$2,831,914$2,660,657$3,314,854
39$3,772,774$2,910,412$2,689,523$3,493,805
40$4,095,432$2,990,858$2,717,458$3,686,669
41$4,449,044$3,073,288$2,744,371$3,894,758
42$4,836,704$3,157,736$2,770,165$4,119,511
43$5,261,822$3,244,240$2,794,740$4,362,514
44$5,728,153$3,332,833$2,817,988$4,625,511
45$6,239,833$3,423,550$2,839,799$4,910,424
46$6,801,418$3,516,425$2,860,054$5,219,365
47$7,417,925$3,611,493$2,878,629$5,554,662
48$8,094,884$3,708,786$2,895,393$5,918,877
49$8,838,382$3,808,337$2,910,209$6,314,830
50$9,655,129$3,910,177$2,922,933$6,745,627
51$10,552,514$4,014,338$2,933,413$7,214,688
52$11,538,677$4,120,848$2,941,489$7,725,781
53$12,622,589$4,229,735$2,946,995$8,283,053
54$13,814,128$4,341,028$2,949,755$8,891,072
55$15,124,182$4,454,751$2,949,585$9,554,873
56$16,564,743$4,570,928$2,946,291$10,279,997
57$18,149,025$4,689,582$2,939,670$11,072,550
58$19,891,587$4,810,732$2,929,509$11,939,260
59$21,808,467$4,934,397$2,915,586$12,887,536
60$23,917,339$5,060,591$2,897,667$13,925,542
61$26,237,675$5,189,327$2,875,507$15,062,271
62$28,790,930$5,320,616$2,848,848$16,307,632
63$31,600,742$5,454,464$2,817,422$17,672,543
64$34,693,159$5,590,874$2,780,947$19,169,032
65$38,096,881$5,729,846$2,739,128$20,810,351
66$41,843,530$5,871,376$2,691,656$22,611,103
67$45,967,952$6,015,455$2,638,208$24,587,379
68$50,508,540$6,162,070$2,578,445$26,756,908
69$55,507,602$6,311,202$2,512,014$29,139,224
70$61,011,756$6,462,829$2,438,545$31,755,856
71$67,072,367$6,616,920$2,357,648$34,630,523
72$73,746,040$6,773,440$2,268,921$37,789,364
73$81,095,144$6,932,347$2,171,938$41,261,181
74$89,188,408$7,093,591$2,066,257$45,077,714
75$98,101,563$7,257,115$1,951,414$49,273,940
76$107,918,063$7,422,854$1,826,927$53,888,400
77$118,729,865$7,590,733$1,692,288$58,963,567
78$130,638,302$7,760,670$1,546,971$64,546,245
79$143,755,036$7,932,570$1,390,421$70,688,014
80$158,203,113$8,106,329$1,222,064$77,445,711
81$174,118,123$8,281,832$1,041,296$84,881,973
82$191,649,481$8,458,951$847,489$93,065,827
83$210,961,834$8,637,545$639,985$102,073,339
84$232,236,615$8,817,460$418,100$111,988,335
85$255,673,760$8,998,525$181,116$122,903,196
86$281,493,588$9,180,557$0$134,919,722
87$309,938,882$9,363,353$0$148,157,764
88$341,277,185$9,546,694$0$162,754,417
89$375,803,317$9,730,341$0$178,826,670
90$413,842,165$9,914,037$0$196,524,764
91$455,751,742$10,097,502$0$216,014,260
92$501,926,573$10,280,433$0$237,477,608
93$552,801,414$10,462,504$0$261,115,866
94$608,855,356$10,643,365$0$287,150,598
95$670,616,348$10,822,635$0$315,825,970
96$738,666,180$10,999,909$0$347,411,053
97$813,645,975$11,174,749$0$382,202,363
98$896,262,238$11,346,685$0$420,526,661
99$987,293,528$11,515,214$0$462,744,043
100$1,087,597,804$11,679,796$0$509,251,334