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%12%
1 years$205,622$203,790$202,003$200,259$198,556$196,892
2 years$101,793$99,897$98,060$96,278$94,551$92,874
3 years$67,188$65,284$63,451$61,687$59,987$58,349
4 years$49,889$47,991$46,176$44,442$42,783$41,197
5 years$39,512$37,625$35,835$34,135$32,523$30,993
6 years$32,596$30,724$28,960$27,298$25,734$24,262
7 years$27,659$25,802$24,066$22,444$20,929$19,516
8 years$23,957$22,117$20,410$18,827$17,363$16,008
9 years$21,079$19,257$17,579$16,037$14,622$13,325
10 years$18,779$16,974$15,326$13,824$12,458$11,220
11 years$16,898$15,111$13,492$12,031$10,715$9,533
12 years$15,331$13,563$11,974$10,553$9,285$8,159
13 years$14,007$12,257$10,698$9,316$8,097$7,025
14 years$12,872$11,141$9,612$8,270$7,098$6,078
15 years$11,890$10,178$8,679$7,375$6,249$5,281
16 years$11,032$9,338$7,868$6,604$5,523$4,605
17 years$10,275$8,600$7,160$5,934$4,897$4,028
18 years$9,603$7,946$6,536$5,347$4,354$3,532
19 years$9,002$7,365$5,984$4,832$3,881$3,104
20 years$8,463$6,844$5,491$4,376$3,467$2,733
21 years$7,975$6,375$5,051$3,972$3,102$2,410
22 years$7,532$5,950$4,655$3,611$2,781$2,129
23 years$7,129$5,565$4,298$3,289$2,496$1,882
24 years$6,759$5,214$3,975$2,999$2,244$1,666
25 years$6,420$4,893$3,682$2,739$2,019$1,477
26 years$6,107$4,599$3,415$2,505$1,819$1,310
27 years$5,818$4,328$3,171$2,293$1,640$1,162
28 years$5,550$4,078$2,948$2,100$1,479$1,032
29 years$5,301$3,848$2,743$1,926$1,336$918
30 years$5,069$3,634$2,555$1,768$1,207$816
31 years$4,852$3,435$2,382$1,624$1,091$726
32 years$4,649$3,250$2,223$1,492$987$646
33 years$4,459$3,078$2,075$1,372$893$575
34 years$4,281$2,917$1,939$1,262$809$512
35 years$4,113$2,767$1,813$1,162$733$456
36 years$3,955$2,626$1,696$1,070$664$406
37 years$3,805$2,494$1,587$986$602$362
38 years$3,664$2,370$1,486$909$545$323
39 years$3,531$2,254$1,393$838$495$288
40 years$3,404$2,145$1,305$773$449$257
41 years$3,284$2,041$1,224$713$407$229
42 years$3,170$1,944$1,148$658$369$204
43 years$3,062$1,852$1,077$608$335$182
44 years$2,958$1,766$1,011$561$304$162
45 years$2,860$1,684$950$518$276$145
46 years$2,766$1,606$892$479$251$129
47 years$2,677$1,533$838$442$228$115
48 years$2,591$1,463$787$409$207$103
49 years$2,509$1,397$740$378$188$92
50 years$2,431$1,335$696$349$171$82

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 $4,184 every year, while hoping to spend $50,948 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: 57/32/11 Blend
34$2,490,000$2,490,000$2,490,000$2,490,000
35$2,748,296$2,616,326$2,577,731$2,897,278
36$2,974,414$2,690,317$2,609,877$3,072,339
37$3,221,888$2,766,227$2,641,392$3,256,984
38$3,492,843$2,844,095$2,672,201$3,456,960
39$3,789,619$2,923,962$2,702,226$3,673,741
40$4,114,793$3,005,868$2,731,382$3,908,949
41$4,471,200$3,089,854$2,759,582$4,164,371
42$4,861,967$3,175,962$2,786,733$4,441,974
43$5,290,536$3,264,232$2,812,737$4,743,921
44$5,760,697$3,354,706$2,837,490$5,072,597
45$6,276,627$3,447,425$2,860,884$5,430,625
46$6,842,923$3,542,429$2,882,804$5,820,897
47$7,464,654$3,639,760$2,903,130$6,246,594
48$8,147,399$3,739,459$2,921,736$6,711,222
49$8,897,306$3,841,565$2,938,487$7,218,640
50$9,721,149$3,946,120$2,953,243$7,773,101
51$10,626,388$4,053,161$2,965,859$8,379,288
52$11,621,242$4,162,728$2,976,177$9,042,359
53$12,714,766$4,274,860$2,984,037$9,767,996
54$13,916,937$4,389,592$2,989,267$10,562,460
55$15,238,745$4,506,963$2,991,688$11,432,646
56$16,692,299$4,627,007$2,991,112$12,386,151
57$18,290,941$4,749,757$2,987,341$13,431,344
58$20,049,369$4,875,247$2,980,169$14,577,446
59$21,983,778$5,003,508$2,969,379$15,834,616
60$24,112,013$5,134,569$2,954,742$17,214,046
61$26,453,733$5,268,458$2,936,021$18,728,068
62$29,030,601$5,405,199$2,912,964$20,390,269
63$31,866,484$5,544,816$2,885,311$22,215,620
64$34,987,683$5,687,330$2,852,786$24,220,617
65$38,423,175$5,832,757$2,815,102$26,423,435
66$42,204,889$5,981,113$2,771,959$28,844,102
67$46,368,009$6,132,408$2,723,041$31,504,685
68$50,951,301$6,286,651$2,668,018$34,429,501
69$55,997,482$6,443,845$2,606,544$37,645,345
70$61,553,621$6,603,990$2,538,260$41,181,741
71$67,671,586$6,767,081$2,462,787$45,071,225
72$74,408,526$6,933,107$2,379,729$49,349,648
73$81,827,420$7,102,053$2,288,674$54,056,517
74$89,997,661$7,273,898$2,189,189$59,235,364
75$98,995,718$7,448,614$2,080,822$64,934,163
76$108,905,853$7,626,168$1,963,102$71,205,777
77$119,820,918$7,806,518$1,835,533$78,108,460
78$131,843,230$7,989,615$1,697,602$85,706,408
79$145,085,535$8,175,403$1,548,767$94,070,362
80$159,672,076$8,363,814$1,388,467$103,278,276
81$175,739,760$8,554,773$1,216,114$113,416,057
82$193,439,454$8,748,195$1,031,092$124,578,370
83$212,937,405$8,943,984$832,760$136,869,540
84$234,416,812$9,142,030$620,449$150,404,526
85$258,079,552$9,342,214$393,459$165,310,018
86$284,148,086$9,544,403$151,059$181,725,626
87$312,867,559$9,748,448$0$199,805,198
88$344,508,115$9,954,186$0$219,730,910
89$379,367,442$10,161,440$0$241,696,708
90$417,773,583$10,370,013$0$265,890,837
91$460,088,038$10,579,693$0$292,540,293
92$506,709,165$10,790,245$0$321,895,226
93$558,075,950$11,001,417$0$354,231,294
94$614,672,144$11,212,934$0$389,852,268
95$677,030,833$11,424,498$0$429,092,898
96$745,739,464$11,635,785$0$472,322,078
97$821,445,398$11,846,446$0$519,946,321
98$904,862,013$12,056,107$0$572,413,602
99$996,775,442$12,264,360$0$630,217,588
100$1,098,051,992$12,470,768$0$693,902,291