Can I retire at age 35 with 2,510,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$207,273$205,427$203,626$201,868$200,151$194,211
2 years$102,611$100,700$98,848$97,052$95,310$89,375
3 years$67,728$65,808$63,961$62,182$60,469$54,724
4 years$50,289$48,376$46,547$44,799$43,127$37,617
5 years$39,829$37,927$36,122$34,410$32,784$27,524
6 years$32,858$30,971$29,192$27,518$25,941$20,935
7 years$27,881$26,009$24,259$22,624$21,097$16,345
8 years$24,149$22,295$20,574$18,979$17,502$13,002
9 years$21,249$19,411$17,720$16,166$14,739$10,486
10 years$18,930$17,110$15,449$13,935$12,559$8,546
11 years$17,033$15,232$13,601$12,127$10,801$7,022
12 years$15,454$13,672$12,070$10,637$9,360$5,807
13 years$14,119$12,355$10,784$9,391$8,162$4,828
14 years$12,976$11,230$9,690$8,337$7,155$4,030
15 years$11,986$10,259$8,748$7,435$6,300$3,376
16 years$11,120$9,413$7,932$6,657$5,568$2,836
17 years$10,357$8,669$7,217$5,981$4,937$2,388
18 years$9,680$8,010$6,589$5,390$4,389$2,015
19 years$9,075$7,424$6,032$4,871$3,912$1,703
20 years$8,531$6,899$5,535$4,411$3,495$1,441
21 years$8,039$6,426$5,092$4,003$3,127$1,221
22 years$7,593$5,998$4,693$3,640$2,803$1,035
23 years$7,186$5,610$4,333$3,315$2,516$878
24 years$6,813$5,256$4,007$3,024$2,262$746
25 years$6,471$4,933$3,711$2,761$2,035$634
26 years$6,156$4,636$3,442$2,525$1,833$539
27 years$5,864$4,363$3,196$2,311$1,653$458
28 years$5,594$4,111$2,971$2,117$1,491$390
29 years$5,343$3,878$2,765$1,942$1,347$332
30 years$5,109$3,663$2,576$1,782$1,217$282
31 years$4,891$3,463$2,401$1,637$1,100$241
32 years$4,687$3,276$2,240$1,504$995$205
33 years$4,495$3,103$2,092$1,383$901$174
34 years$4,315$2,941$1,954$1,273$815$149
35 years$4,146$2,789$1,827$1,171$738$127
36 years$3,986$2,647$1,709$1,079$669$108
37 years$3,836$2,514$1,600$994$606$92
38 years$3,694$2,390$1,498$916$550$78
39 years$3,559$2,272$1,404$845$499$67
40 years$3,432$2,162$1,316$779$452$57
41 years$3,311$2,058$1,234$719$410$48
42 years$3,196$1,960$1,157$664$372$41
43 years$3,086$1,867$1,086$612$338$35
44 years$2,982$1,780$1,019$566$307$30
45 years$2,883$1,697$957$522$278$26
46 years$2,789$1,619$899$482$253$22
47 years$2,698$1,545$845$446$230$19
48 years$2,612$1,475$794$412$208$16
49 years$2,530$1,409$746$381$189$14
50 years$2,451$1,346$701$352$172$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,510,000, adding $5,842 every year, while hoping to spend $41,699 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: 35/35/30 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,772,046$2,639,016$2,600,111$2,843,878
36$3,010,427$2,723,960$2,642,847$2,983,429
37$3,271,726$2,811,669$2,685,618$3,129,764
38$3,558,235$2,902,235$2,728,379$3,286,870
39$3,872,482$2,995,751$2,771,086$3,455,744
40$4,217,247$3,092,315$2,813,690$3,637,480
41$4,595,597$3,192,029$2,856,139$3,833,280
42$5,010,906$3,294,997$2,898,379$4,044,468
43$5,466,894$3,401,326$2,940,349$4,272,501
44$5,967,656$3,511,130$2,981,989$4,518,979
45$6,517,704$3,624,523$3,023,233$4,785,665
46$7,122,010$3,741,624$3,064,012$5,074,499
47$7,786,049$3,862,558$3,104,250$5,387,615
48$8,515,854$3,987,451$3,143,871$5,727,364
49$9,318,072$4,116,437$3,182,791$6,096,331
50$10,200,024$4,249,652$3,220,924$6,497,364
51$11,169,778$4,387,236$3,258,176$6,933,598
52$12,236,221$4,529,337$3,294,451$7,408,485
53$13,409,147$4,676,105$3,329,646$7,925,825
54$14,699,342$4,827,697$3,363,652$8,489,803
55$16,118,695$4,984,274$3,396,354$9,105,028
56$17,680,303$5,146,005$3,427,633$9,776,576
57$19,398,597$5,313,061$3,457,361$10,510,037
58$21,289,475$5,485,623$3,485,405$11,311,568
59$23,370,458$5,663,875$3,511,622$12,187,951
60$25,660,850$5,848,010$3,535,866$13,146,656
61$28,181,919$6,038,225$3,557,980$14,195,912
62$30,957,103$6,234,726$3,577,801$15,344,782
63$34,012,225$6,437,725$3,595,155$16,603,251
64$37,375,741$6,647,443$3,609,861$17,982,320
65$41,079,005$6,864,106$3,621,730$19,494,106
66$45,156,566$7,087,950$3,630,561$21,151,960
67$49,646,495$7,319,219$3,636,144$22,970,590
68$54,590,742$7,558,164$3,638,259$24,966,200
69$60,035,531$7,805,048$3,636,674$27,156,644
70$66,031,799$8,060,140$3,631,147$29,561,593
71$72,635,676$8,323,719$3,621,423$32,202,719
72$79,909,009$8,596,076$3,607,236$35,103,901
73$87,919,954$8,877,510$3,588,304$38,291,450
74$96,743,613$9,168,331$3,564,336$41,794,356
75$106,462,743$9,468,862$3,535,023$45,644,561
76$117,168,540$9,779,433$3,500,043$49,877,262
77$128,961,496$10,100,390$3,459,060$54,531,242
78$141,952,350$10,432,090$3,411,719$59,649,233
79$156,263,128$10,774,901$3,357,651$65,278,323
80$172,028,303$11,129,207$3,296,468$71,470,398
81$189,396,056$11,495,404$3,227,765$78,282,632
82$208,529,676$11,873,901$3,151,118$85,778,025
83$229,609,105$12,265,124$3,066,082$94,026,000
84$252,832,632$12,669,514$2,972,194$103,103,053
85$278,418,766$13,087,525$2,868,968$113,093,482
86$306,608,297$13,519,631$2,755,896$124,090,176
87$337,666,572$13,966,321$2,632,446$136,195,494
88$371,885,993$14,428,102$2,498,065$149,522,230
89$409,588,785$14,905,500$2,352,170$164,194,679
90$451,130,029$15,399,058$2,194,156$180,349,810
91$496,901,021$15,909,341$2,023,390$198,138,555
92$547,332,960$16,436,933$1,839,208$217,727,238
93$602,901,020$16,982,440$1,640,919$239,299,141
94$664,128,834$17,546,490$1,427,800$263,056,238
95$731,593,441$18,129,734$1,199,097$289,221,096
96$805,930,727$18,732,846$954,022$318,038,982
97$887,841,431$19,356,526$691,751$349,780,173
98$978,097,759$20,001,497$411,427$384,742,508
99$1,077,550,671$20,668,511$112,151$423,254,202
100$1,187,137,920$21,358,349$0$465,676,941