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%11.3%
1 years$205,622$203,790$202,003$200,259$198,556$197,470
2 years$101,793$99,897$98,060$96,278$94,551$93,455
3 years$67,188$65,284$63,451$61,687$59,987$58,915
4 years$49,889$47,991$46,176$44,442$42,783$41,744
5 years$39,512$37,625$35,835$34,135$32,523$31,519
6 years$32,596$30,724$28,960$27,298$25,734$24,767
7 years$27,659$25,802$24,066$22,444$20,929$19,999
8 years$23,957$22,117$20,410$18,827$17,363$16,470
9 years$21,079$19,257$17,579$16,037$14,622$13,766
10 years$18,779$16,974$15,326$13,824$12,458$11,640
11 years$16,898$15,111$13,492$12,031$10,715$9,932
12 years$15,331$13,563$11,974$10,553$9,285$8,538
13 years$14,007$12,257$10,698$9,316$8,097$7,384
14 years$12,872$11,141$9,612$8,270$7,098$6,419
15 years$11,890$10,178$8,679$7,375$6,249$5,603
16 years$11,032$9,338$7,868$6,604$5,523$4,909
17 years$10,275$8,600$7,160$5,934$4,897$4,315
18 years$9,603$7,946$6,536$5,347$4,354$3,802
19 years$9,002$7,365$5,984$4,832$3,881$3,358
20 years$8,463$6,844$5,491$4,376$3,467$2,971
21 years$7,975$6,375$5,051$3,972$3,102$2,634
22 years$7,532$5,950$4,655$3,611$2,781$2,339
23 years$7,129$5,565$4,298$3,289$2,496$2,079
24 years$6,759$5,214$3,975$2,999$2,244$1,851
25 years$6,420$4,893$3,682$2,739$2,019$1,649
26 years$6,107$4,599$3,415$2,505$1,819$1,470
27 years$5,818$4,328$3,171$2,293$1,640$1,312
28 years$5,550$4,078$2,948$2,100$1,479$1,172
29 years$5,301$3,848$2,743$1,926$1,336$1,047
30 years$5,069$3,634$2,555$1,768$1,207$937
31 years$4,852$3,435$2,382$1,624$1,091$838
32 years$4,649$3,250$2,223$1,492$987$750
33 years$4,459$3,078$2,075$1,372$893$672
34 years$4,281$2,917$1,939$1,262$809$602
35 years$4,113$2,767$1,813$1,162$733$539
36 years$3,955$2,626$1,696$1,070$664$483
37 years$3,805$2,494$1,587$986$602$433
38 years$3,664$2,370$1,486$909$545$388
39 years$3,531$2,254$1,393$838$495$348
40 years$3,404$2,145$1,305$773$449$312
41 years$3,284$2,041$1,224$713$407$280
42 years$3,170$1,944$1,148$658$369$252
43 years$3,062$1,852$1,077$608$335$226
44 years$2,958$1,766$1,011$561$304$203
45 years$2,860$1,684$950$518$276$182
46 years$2,766$1,606$892$479$251$163
47 years$2,677$1,533$838$442$228$147
48 years$2,591$1,463$787$409$207$132
49 years$2,509$1,397$740$378$188$118
50 years$2,431$1,335$696$349$171$106

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 $4,139 every year, while hoping to spend $54,306 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: 88/6/6 Blend
34$2,490,000$2,490,000$2,490,000$2,490,000
35$2,748,249$2,616,279$2,577,684$2,989,249
36$2,970,790$2,686,696$2,606,256$3,217,140
37$3,214,209$2,758,743$2,633,964$3,459,623
38$3,480,580$2,832,442$2,660,723$3,724,415
39$3,772,183$2,907,817$2,686,442$4,013,723
40$4,091,533$2,984,887$2,711,025$4,329,980
41$4,441,396$3,063,673$2,734,371$4,675,865
42$4,824,820$3,144,194$2,756,373$5,054,327
43$5,245,160$3,226,469$2,776,921$5,468,617
44$5,706,114$3,310,513$2,795,895$5,922,312
45$6,211,752$3,396,343$2,813,172$6,419,354
46$6,766,560$3,483,972$2,828,622$6,964,086
47$7,375,476$3,573,414$2,842,108$7,561,288
48$8,043,941$3,664,678$2,853,485$8,216,231
49$8,777,949$3,757,773$2,862,603$8,934,718
50$9,584,101$3,852,705$2,869,302$9,723,141
51$10,469,672$3,949,480$2,873,416$10,588,544
52$11,442,672$4,048,099$2,874,769$11,538,686
53$12,511,929$4,148,560$2,873,178$12,582,116
54$13,687,167$4,250,860$2,868,450$13,728,252
55$14,979,097$4,354,992$2,860,383$14,987,470
56$16,399,524$4,460,945$2,848,765$16,371,202
57$17,961,450$4,568,706$2,833,373$17,892,044
58$19,679,201$4,678,256$2,813,974$19,563,873
59$21,568,562$4,789,573$2,790,325$21,401,981
60$23,646,924$4,902,630$2,762,168$23,423,214
61$25,933,446$5,017,395$2,729,238$25,646,137
62$28,449,242$5,133,832$2,691,252$28,091,202
63$31,217,573$5,251,898$2,647,917$30,780,948
64$34,264,068$5,371,544$2,598,925$33,740,209
65$37,616,969$5,492,715$2,543,954$36,996,346
66$41,307,391$5,615,349$2,482,668$40,579,512
67$45,369,621$5,739,378$2,414,714$44,522,930
68$49,841,439$5,864,723$2,339,722$48,863,209
69$54,764,471$5,991,300$2,257,309$53,640,690
70$60,184,588$6,119,015$2,167,069$58,899,825
71$66,152,331$6,247,762$2,068,582$64,689,595
72$72,723,396$6,377,429$1,961,406$71,063,977
73$79,959,150$6,507,891$1,845,081$78,082,446
74$87,927,218$6,639,012$1,719,125$85,810,544
75$96,702,113$6,770,643$1,583,035$94,320,493
76$106,365,947$6,902,623$1,436,286$103,691,877
77$117,009,199$7,034,777$1,278,326$114,012,396
78$128,731,571$7,166,915$1,108,584$125,378,689
79$141,642,929$7,298,831$926,460$137,897,252
80$155,864,340$7,430,305$731,327$151,685,435
81$171,529,209$7,561,097$522,534$166,872,559
82$188,784,547$7,690,949$299,397$183,601,127
83$207,792,349$7,819,584$61,205$202,028,177
84$228,731,127$7,946,703$0$222,326,758
85$251,797,596$8,071,985$0$244,699,924
86$277,208,525$8,195,086$0$269,350,446
87$305,202,788$8,315,639$0$296,506,031
88$336,043,613$8,433,246$0$326,421,921
89$370,021,073$8,547,486$0$359,379,391
90$407,454,815$8,657,906$0$395,688,394
91$448,697,083$8,764,021$0$435,690,494
92$494,136,043$8,865,315$0$479,762,082
93$544,199,440$8,961,235$0$528,317,937
94$599,358,641$9,051,194$0$581,815,134
95$660,133,082$9,134,563$0$640,757,364
96$727,095,173$9,210,672$0$705,699,682
97$800,875,694$9,278,810$0$777,253,752
98$882,169,759$9,338,215$0$856,093,618
99$971,743,368$9,388,081$0$942,962,066
100$1,070,440,642$9,427,547$0$1,038,677,638