Can I retire at age 35 with 2,490,000?

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 $2,490,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$205,622$203,790$202,003$200,259$198,556$195,508
2 years$101,793$99,897$98,060$96,278$94,551$91,487
3 years$67,188$65,284$63,451$61,687$59,987$57,003
4 years$49,889$47,991$46,176$44,442$42,783$39,903
5 years$39,512$37,625$35,835$34,135$32,523$29,754
6 years$32,596$30,724$28,960$27,298$25,734$23,079
7 years$27,659$25,802$24,066$22,444$20,929$18,389
8 years$23,957$22,117$20,410$18,827$17,363$14,938
9 years$21,079$19,257$17,579$16,037$14,622$12,311
10 years$18,779$16,974$15,326$13,824$12,458$10,259
11 years$16,898$15,111$13,492$12,031$10,715$8,625
12 years$15,331$13,563$11,974$10,553$9,285$7,302
13 years$14,007$12,257$10,698$9,316$8,097$6,218
14 years$12,872$11,141$9,612$8,270$7,098$5,320
15 years$11,890$10,178$8,679$7,375$6,249$4,570
16 years$11,032$9,338$7,868$6,604$5,523$3,938
17 years$10,275$8,600$7,160$5,934$4,897$3,403
18 years$9,603$7,946$6,536$5,347$4,354$2,948
19 years$9,002$7,365$5,984$4,832$3,881$2,559
20 years$8,463$6,844$5,491$4,376$3,467$2,225
21 years$7,975$6,375$5,051$3,972$3,102$1,938
22 years$7,532$5,950$4,655$3,611$2,781$1,689
23 years$7,129$5,565$4,298$3,289$2,496$1,475
24 years$6,759$5,214$3,975$2,999$2,244$1,288
25 years$6,420$4,893$3,682$2,739$2,019$1,127
26 years$6,107$4,599$3,415$2,505$1,819$986
27 years$5,818$4,328$3,171$2,293$1,640$863
28 years$5,550$4,078$2,948$2,100$1,479$756
29 years$5,301$3,848$2,743$1,926$1,336$663
30 years$5,069$3,634$2,555$1,768$1,207$581
31 years$4,852$3,435$2,382$1,624$1,091$510
32 years$4,649$3,250$2,223$1,492$987$447
33 years$4,459$3,078$2,075$1,372$893$393
34 years$4,281$2,917$1,939$1,262$809$345
35 years$4,113$2,767$1,813$1,162$733$303
36 years$3,955$2,626$1,696$1,070$664$266
37 years$3,805$2,494$1,587$986$602$234
38 years$3,664$2,370$1,486$909$545$205
39 years$3,531$2,254$1,393$838$495$180
40 years$3,404$2,145$1,305$773$449$159
41 years$3,284$2,041$1,224$713$407$139
42 years$3,170$1,944$1,148$658$369$122
43 years$3,062$1,852$1,077$608$335$108
44 years$2,958$1,766$1,011$561$304$95
45 years$2,860$1,684$950$518$276$83
46 years$2,766$1,606$892$479$251$73
47 years$2,677$1,533$838$442$228$64
48 years$2,591$1,463$787$409$207$57
49 years$2,509$1,397$740$378$188$50
50 years$2,431$1,335$696$349$171$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,490,000, adding $2,391 every year, while hoping to spend $58,891 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: 65/16/19 Blend
34$2,490,000$2,490,000$2,490,000$2,490,000
35$2,746,446$2,614,476$2,575,881$2,911,708
36$2,963,924$2,679,926$2,599,514$3,088,356
37$3,201,611$2,746,609$2,621,964$3,274,370
38$3,461,506$2,814,524$2,643,131$3,476,252
39$3,745,811$2,883,666$2,662,906$3,695,556
40$4,056,948$2,954,030$2,681,178$3,933,996
41$4,397,586$3,025,607$2,697,827$4,193,458
42$4,770,665$3,098,387$2,712,730$4,476,022
43$5,179,420$3,172,356$2,725,754$4,783,977
44$5,627,417$3,247,496$2,736,762$5,119,847
45$6,118,579$3,323,789$2,745,609$5,486,413
46$6,657,230$3,401,211$2,752,143$5,886,736
47$7,248,132$3,479,736$2,756,205$6,324,194
48$7,896,531$3,559,331$2,757,626$6,802,503
49$8,608,202$3,639,964$2,756,232$7,325,763
50$9,389,509$3,721,593$2,751,836$7,898,489
51$10,247,463$3,804,175$2,744,247$8,525,657
52$11,189,786$3,887,661$2,733,260$9,212,750
53$12,224,983$3,971,995$2,718,664$9,965,812
54$13,362,426$4,057,118$2,700,234$10,791,500
55$14,612,439$4,142,962$2,677,737$11,697,152
56$15,986,396$4,229,455$2,650,929$12,690,857
57$17,496,826$4,316,516$2,619,553$13,781,524
58$19,157,534$4,404,057$2,583,340$14,978,976
59$20,983,729$4,491,983$2,542,008$16,294,035
60$22,992,168$4,580,188$2,495,264$17,738,630
61$25,201,313$4,668,561$2,442,800$19,325,905
62$27,631,505$4,756,979$2,384,291$21,070,348
63$30,305,155$4,845,308$2,319,402$22,987,923
64$33,246,959$4,933,406$2,247,780$25,096,226
65$36,484,122$5,021,116$2,169,054$27,414,647
66$40,046,624$5,108,273$2,082,839$29,964,557
67$43,967,497$5,194,695$1,988,731$32,769,506
68$48,283,137$5,280,190$1,886,309$35,855,452
69$53,033,646$5,364,549$1,775,130$39,250,998
70$58,263,215$5,447,549$1,654,734$42,987,670
71$64,020,535$5,528,951$1,524,639$47,100,210
72$70,359,257$5,608,497$1,384,342$51,626,909
73$77,338,500$5,685,912$1,233,316$56,609,963
74$85,023,408$5,760,903$1,071,014$62,095,879
75$93,485,763$5,833,154$896,860$68,135,909
76$102,804,662$5,902,330$710,255$74,786,537
77$113,067,264$5,968,071$510,575$82,110,012
78$124,369,612$6,029,993$297,167$90,174,938
79$136,817,539$6,087,689$69,348$99,056,920
80$150,527,664$6,140,722$0$108,839,282
81$165,628,496$6,188,627$0$119,649,079
82$182,261,643$6,230,911$0$131,569,576
83$200,583,152$6,267,047$0$144,698,386
84$220,764,975$6,296,474$0$159,158,582
85$242,996,598$6,318,597$0$175,085,794
86$267,486,825$6,332,782$0$192,629,479
87$294,465,749$6,338,356$0$211,954,339
88$324,186,924$6,334,604$0$233,241,875
89$356,929,758$6,320,767$0$256,692,097
90$393,002,147$6,296,039$0$282,525,416
91$432,743,385$6,259,564$0$310,984,722
92$476,527,362$6,210,434$0$342,337,680
93$524,766,096$6,147,689$0$376,879,255
94$577,913,619$6,070,306$0$414,934,498
95$636,470,262$5,977,205$0$456,861,614
96$700,987,380$5,867,240$0$503,055,344
97$772,072,555$5,739,197$0$553,950,694
98$850,395,329$5,591,790$0$610,027,039
99$936,693,523$5,423,659$0$671,812,652
100$1,031,780,206$5,233,362$0$739,889,691