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

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 $2,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$207,273$205,427$203,626$201,868$200,151$195,471
2 years$102,611$100,700$98,848$97,052$95,310$90,622
3 years$67,728$65,808$63,961$62,182$60,469$55,918
4 years$50,289$48,376$46,547$44,799$43,127$38,750
5 years$39,829$37,927$36,122$34,410$32,784$28,593
6 years$32,858$30,971$29,192$27,518$25,941$21,939
7 years$27,881$26,009$24,259$22,624$21,097$17,285
8 years$24,149$22,295$20,574$18,979$17,502$13,879
9 years$21,249$19,411$17,720$16,166$14,739$11,302
10 years$18,930$17,110$15,449$13,935$12,559$9,303
11 years$17,033$15,232$13,601$12,127$10,801$7,723
12 years$15,454$13,672$12,070$10,637$9,360$6,455
13 years$14,119$12,355$10,784$9,391$8,162$5,424
14 years$12,976$11,230$9,690$8,337$7,155$4,578
15 years$11,986$10,259$8,748$7,435$6,300$3,879
16 years$11,120$9,413$7,932$6,657$5,568$3,296
17 years$10,357$8,669$7,217$5,981$4,937$2,808
18 years$9,680$8,010$6,589$5,390$4,389$2,397
19 years$9,075$7,424$6,032$4,871$3,912$2,050
20 years$8,531$6,899$5,535$4,411$3,495$1,756
21 years$8,039$6,426$5,092$4,003$3,127$1,506
22 years$7,593$5,998$4,693$3,640$2,803$1,293
23 years$7,186$5,610$4,333$3,315$2,516$1,111
24 years$6,813$5,256$4,007$3,024$2,262$956
25 years$6,471$4,933$3,711$2,761$2,035$822
26 years$6,156$4,636$3,442$2,525$1,833$708
27 years$5,864$4,363$3,196$2,311$1,653$610
28 years$5,594$4,111$2,971$2,117$1,491$526
29 years$5,343$3,878$2,765$1,942$1,347$454
30 years$5,109$3,663$2,576$1,782$1,217$391
31 years$4,891$3,463$2,401$1,637$1,100$338
32 years$4,687$3,276$2,240$1,504$995$291
33 years$4,495$3,103$2,092$1,383$901$251
34 years$4,315$2,941$1,954$1,273$815$217
35 years$4,146$2,789$1,827$1,171$738$187
36 years$3,986$2,647$1,709$1,079$669$162
37 years$3,836$2,514$1,600$994$606$140
38 years$3,694$2,390$1,498$916$550$121
39 years$3,559$2,272$1,404$845$499$104
40 years$3,432$2,162$1,316$779$452$90
41 years$3,311$2,058$1,234$719$410$78
42 years$3,196$1,960$1,157$664$372$67
43 years$3,086$1,867$1,086$612$338$58
44 years$2,982$1,780$1,019$566$307$50
45 years$2,883$1,697$957$522$278$43
46 years$2,789$1,619$899$482$253$38
47 years$2,698$1,545$845$446$230$32
48 years$2,612$1,475$794$412$208$28
49 years$2,530$1,409$746$381$189$24
50 years$2,451$1,346$701$352$172$21

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 $6,151 every year, while hoping to spend $29,240 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: 47/32/21 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,772,365$2,639,335$2,600,430$2,885,826
36$3,024,035$2,737,551$2,656,433$3,063,947
37$3,300,395$2,839,600$2,713,332$3,253,759
38$3,603,934$2,945,638$2,771,127$3,459,184
39$3,937,390$3,055,830$2,829,815$3,681,694
40$4,303,784$3,170,345$2,889,394$3,922,911
41$4,706,440$3,289,362$2,949,859$4,184,616
42$5,149,023$3,413,067$3,011,205$4,468,768
43$5,635,568$3,541,653$3,073,426$4,777,520
44$6,170,524$3,675,322$3,136,513$5,113,244
45$6,758,789$3,814,284$3,200,458$5,478,544
46$7,405,762$3,958,761$3,265,250$5,876,288
47$8,117,390$4,108,980$3,330,876$6,309,632
48$8,900,225$4,265,181$3,397,322$6,782,046
49$9,761,488$4,427,615$3,464,572$7,297,350
50$10,709,133$4,596,541$3,532,608$7,859,748
51$11,751,925$4,772,232$3,601,410$8,473,867
52$12,899,521$4,954,971$3,670,957$9,144,799
53$14,162,562$5,145,055$3,741,224$9,878,150
54$15,552,773$5,342,792$3,812,185$10,680,091
55$17,083,073$5,548,506$3,883,810$11,557,414
56$18,767,696$5,762,533$3,956,068$12,517,600
57$20,622,330$5,985,225$4,028,925$13,568,883
58$22,664,256$6,216,950$4,102,342$14,720,331
59$24,912,519$6,458,090$4,176,280$15,981,927
60$27,388,106$6,709,046$4,250,695$17,364,665
61$30,114,139$6,970,236$4,325,540$18,880,653
62$33,116,100$7,242,096$4,400,765$20,543,223
63$36,422,066$7,525,082$4,476,314$22,367,060
64$40,062,977$7,819,671$4,552,130$24,368,335
65$44,072,925$8,126,359$4,628,151$26,564,861
66$48,489,478$8,445,666$4,704,309$28,976,255
67$53,354,036$8,778,134$4,780,534$31,624,126
68$58,712,214$9,124,330$4,856,749$34,532,274
69$64,614,284$9,484,846$4,932,874$37,726,918
70$71,115,637$9,860,299$5,008,821$41,236,938
71$78,277,315$10,251,337$5,084,500$45,094,144
72$86,166,583$10,658,634$5,159,812$49,333,583
73$94,857,562$11,082,896$5,234,654$53,993,861
74$104,431,935$11,524,859$5,308,916$59,117,505
75$114,979,709$11,985,293$5,382,481$64,751,369
76$126,600,070$12,465,004$5,455,226$70,947,068
77$139,402,321$12,964,832$5,527,019$77,761,469
78$153,506,905$13,485,657$5,597,722$85,257,220
79$169,046,552$14,028,397$5,667,189$93,503,343
80$186,167,525$14,594,012$5,735,263$102,575,883
81$205,031,000$15,183,507$5,801,782$112,558,621
82$225,814,593$15,797,930$5,866,573$123,543,866
83$248,714,032$16,438,378$5,929,453$135,633,322
84$273,945,003$17,105,999$5,990,230$148,939,046
85$301,745,190$17,801,990$6,048,700$163,584,503
86$332,376,517$18,527,605$6,104,649$179,705,726
87$366,127,619$19,284,155$6,157,852$197,452,604
88$403,316,568$20,073,010$6,208,071$216,990,287
89$444,293,873$20,895,602$6,255,057$238,500,745
90$489,445,792$21,753,431$6,298,545$262,184,483
91$539,197,976$22,648,062$6,338,260$288,262,428
92$594,019,487$23,581,135$6,373,909$316,978,014
93$654,427,227$24,554,363$6,405,188$348,599,473
94$720,990,816$25,569,538$6,431,773$383,422,368
95$794,337,969$26,628,536$6,453,327$421,772,373
96$875,160,424$27,733,316$6,469,495$464,008,348
97$964,220,468$28,885,929$6,479,904$510,525,721
98$1,062,358,138$30,088,522$6,484,163$561,760,216
99$1,170,499,146$31,343,338$6,481,861$618,191,960
100$1,289,663,622$32,652,724$6,472,567$680,350,015