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%14.3%
1 years$207,273$205,427$203,626$201,868$200,151$196,593
2 years$102,611$100,700$98,848$97,052$95,310$91,737
3 years$67,728$65,808$63,961$62,182$60,469$56,992
4 years$50,289$48,376$46,547$44,799$43,127$39,774
5 years$39,829$37,927$36,122$34,410$32,784$29,565
6 years$32,858$30,971$29,192$27,518$25,941$22,859
7 years$27,881$26,009$24,259$22,624$21,097$18,152
8 years$24,149$22,295$20,574$18,979$17,502$14,694
9 years$21,249$19,411$17,720$16,166$14,739$12,067
10 years$18,930$17,110$15,449$13,935$12,559$10,019
11 years$17,033$15,232$13,601$12,127$10,801$8,391
12 years$15,454$13,672$12,070$10,637$9,360$7,077
13 years$14,119$12,355$10,784$9,391$8,162$6,003
14 years$12,976$11,230$9,690$8,337$7,155$5,115
15 years$11,986$10,259$8,748$7,435$6,300$4,376
16 years$11,120$9,413$7,932$6,657$5,568$3,755
17 years$10,357$8,669$7,217$5,981$4,937$3,231
18 years$9,680$8,010$6,589$5,390$4,389$2,787
19 years$9,075$7,424$6,032$4,871$3,912$2,408
20 years$8,531$6,899$5,535$4,411$3,495$2,085
21 years$8,039$6,426$5,092$4,003$3,127$1,807
22 years$7,593$5,998$4,693$3,640$2,803$1,568
23 years$7,186$5,610$4,333$3,315$2,516$1,363
24 years$6,813$5,256$4,007$3,024$2,262$1,185
25 years$6,471$4,933$3,711$2,761$2,035$1,031
26 years$6,156$4,636$3,442$2,525$1,833$898
27 years$5,864$4,363$3,196$2,311$1,653$783
28 years$5,594$4,111$2,971$2,117$1,491$682
29 years$5,343$3,878$2,765$1,942$1,347$595
30 years$5,109$3,663$2,576$1,782$1,217$519
31 years$4,891$3,463$2,401$1,637$1,100$453
32 years$4,687$3,276$2,240$1,504$995$396
33 years$4,495$3,103$2,092$1,383$901$346
34 years$4,315$2,941$1,954$1,273$815$302
35 years$4,146$2,789$1,827$1,171$738$264
36 years$3,986$2,647$1,709$1,079$669$231
37 years$3,836$2,514$1,600$994$606$202
38 years$3,694$2,390$1,498$916$550$176
39 years$3,559$2,272$1,404$845$499$154
40 years$3,432$2,162$1,316$779$452$135
41 years$3,311$2,058$1,234$719$410$118
42 years$3,196$1,960$1,157$664$372$103
43 years$3,086$1,867$1,086$612$338$90
44 years$2,982$1,780$1,019$566$307$79
45 years$2,883$1,697$957$522$278$69
46 years$2,789$1,619$899$482$253$60
47 years$2,698$1,545$845$446$230$53
48 years$2,612$1,475$794$412$208$46
49 years$2,530$1,409$746$381$189$40
50 years$2,451$1,346$701$352$172$35

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 $2,288 every year, while hoping to spend $27,973 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: 52/23/25 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,768,380$2,635,350$2,596,445$2,892,908
36$3,020,992$2,734,719$2,653,663$3,078,758
37$3,298,432$2,838,020$2,711,860$3,277,771
38$3,603,205$2,945,415$2,771,040$3,493,690
39$3,938,066$3,057,075$2,831,204$3,728,137
40$4,306,055$3,173,178$2,892,356$3,982,896
41$4,710,517$3,293,908$2,954,494$4,259,930
42$5,155,140$3,419,459$3,017,619$4,561,397
43$5,643,984$3,550,033$3,081,730$4,889,675
44$6,181,526$3,685,840$3,146,823$5,247,378
45$6,772,696$3,827,100$3,212,896$5,637,382
46$7,422,926$3,974,043$3,279,943$6,062,856
47$8,138,200$4,126,907$3,347,957$6,527,284
48$8,925,114$4,285,943$3,416,931$7,034,505
49$9,790,933$4,451,412$3,486,855$7,588,742
50$10,743,662$4,623,585$3,557,719$8,194,646
51$11,792,122$4,802,747$3,629,509$8,857,336
52$12,946,033$4,989,196$3,702,212$9,582,450
53$14,216,102$5,183,240$3,775,810$10,376,196
54$15,614,130$5,385,205$3,850,285$11,245,408
55$17,153,119$5,595,427$3,925,617$12,197,613
56$18,847,394$5,814,260$4,001,782$13,241,100
57$20,712,742$6,042,072$4,078,755$14,384,998
58$22,766,557$6,279,250$4,156,509$15,639,360
59$25,028,006$6,526,193$4,235,013$17,015,260
60$27,518,210$6,783,324$4,314,233$18,524,892
61$30,260,442$7,051,081$4,394,134$20,181,690
62$33,280,345$7,329,922$4,474,676$22,000,449
63$36,606,178$7,620,327$4,555,816$23,997,467
64$40,269,081$7,922,795$4,637,508$26,190,698
65$44,303,365$8,237,850$4,719,702$28,599,917
66$48,746,842$8,566,038$4,802,346$31,246,910
67$53,641,176$8,907,930$4,885,381$34,155,674
68$59,032,280$9,264,123$4,968,745$37,352,649
69$64,970,748$9,635,240$5,052,373$40,866,958
70$71,512,330$10,021,932$5,136,193$44,730,691
71$78,718,462$10,424,882$5,220,130$48,979,195
72$86,656,844$10,844,800$5,304,103$53,651,418
73$95,402,077$11,282,430$5,388,026$58,790,265
74$105,036,371$11,738,551$5,471,807$64,443,010
75$115,650,316$12,213,975$5,555,348$70,661,737
76$127,343,741$12,709,553$5,638,544$77,503,830
77$140,226,653$13,226,172$5,721,286$85,032,513
78$154,420,279$13,764,761$5,803,457$93,317,447
79$170,058,206$14,326,293$5,884,931$102,435,387
80$187,287,643$14,911,782$5,965,577$112,470,900
81$206,270,814$15,522,290$6,045,254$123,517,167
82$227,186,482$16,158,928$6,123,816$135,676,857
83$250,231,645$16,822,856$6,201,105$149,063,096
84$275,623,386$17,515,290$6,276,955$163,800,533
85$303,600,930$18,237,498$6,351,192$180,026,515
86$334,427,899$18,990,809$6,423,631$197,892,381
87$368,394,798$19,776,612$6,494,076$217,564,886
88$405,821,761$20,596,360$6,562,321$239,227,778
89$447,061,571$21,451,572$6,628,150$263,083,526
90$492,502,991$22,343,839$6,691,332$289,355,232
91$542,574,431$23,274,822$6,751,627$318,288,731
92$597,747,997$24,246,262$6,808,780$350,154,912
93$658,543,942$25,259,978$6,862,524$385,252,273
94$725,535,581$26,317,874$6,912,575$423,909,732
95$799,354,703$27,421,942$6,958,639$466,489,733
96$880,697,531$28,574,266$7,000,402$513,391,664
97$970,331,301$29,777,026$7,037,536$565,055,622
98$1,069,101,497$31,032,504$7,069,698$621,966,566
99$1,177,939,840$32,343,087$7,096,523$684,658,891
100$1,297,873,079$33,711,274$7,117,632$753,721,472