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%17.9%
1 years$207,273$205,427$203,626$201,868$200,151$193,744
2 years$102,611$100,700$98,848$97,052$95,310$88,914
3 years$67,728$65,808$63,961$62,182$60,469$54,285
4 years$50,289$48,376$46,547$44,799$43,127$37,202
5 years$39,829$37,927$36,122$34,410$32,784$27,135
6 years$32,858$30,971$29,192$27,518$25,941$20,571
7 years$27,881$26,009$24,259$22,624$21,097$16,007
8 years$24,149$22,295$20,574$18,979$17,502$12,687
9 years$21,249$19,411$17,720$16,166$14,739$10,195
10 years$18,930$17,110$15,449$13,935$12,559$8,278
11 years$17,033$15,232$13,601$12,127$10,801$6,775
12 years$15,454$13,672$12,070$10,637$9,360$5,581
13 years$14,119$12,355$10,784$9,391$8,162$4,621
14 years$12,976$11,230$9,690$8,337$7,155$3,842
15 years$11,986$10,259$8,748$7,435$6,300$3,204
16 years$11,120$9,413$7,932$6,657$5,568$2,680
17 years$10,357$8,669$7,217$5,981$4,937$2,247
18 years$9,680$8,010$6,589$5,390$4,389$1,887
19 years$9,075$7,424$6,032$4,871$3,912$1,588
20 years$8,531$6,899$5,535$4,411$3,495$1,337
21 years$8,039$6,426$5,092$4,003$3,127$1,128
22 years$7,593$5,998$4,693$3,640$2,803$952
23 years$7,186$5,610$4,333$3,315$2,516$804
24 years$6,813$5,256$4,007$3,024$2,262$679
25 years$6,471$4,933$3,711$2,761$2,035$575
26 years$6,156$4,636$3,442$2,525$1,833$486
27 years$5,864$4,363$3,196$2,311$1,653$411
28 years$5,594$4,111$2,971$2,117$1,491$348
29 years$5,343$3,878$2,765$1,942$1,347$295
30 years$5,109$3,663$2,576$1,782$1,217$250
31 years$4,891$3,463$2,401$1,637$1,100$212
32 years$4,687$3,276$2,240$1,504$995$179
33 years$4,495$3,103$2,092$1,383$901$152
34 years$4,315$2,941$1,954$1,273$815$129
35 years$4,146$2,789$1,827$1,171$738$109
36 years$3,986$2,647$1,709$1,079$669$93
37 years$3,836$2,514$1,600$994$606$79
38 years$3,694$2,390$1,498$916$550$67
39 years$3,559$2,272$1,404$845$499$56
40 years$3,432$2,162$1,316$779$452$48
41 years$3,311$2,058$1,234$719$410$41
42 years$3,196$1,960$1,157$664$372$34
43 years$3,086$1,867$1,086$612$338$29
44 years$2,982$1,780$1,019$566$307$25
45 years$2,883$1,697$957$522$278$21
46 years$2,789$1,619$899$482$253$18
47 years$2,698$1,545$845$446$230$15
48 years$2,612$1,475$794$412$208$13
49 years$2,530$1,409$746$381$189$11
50 years$2,451$1,346$701$352$172$9

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 $5,765 every year, while hoping to spend $35,892 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: 56/14/30 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,771,967$2,638,937$2,600,032$2,903,890
36$3,016,518$2,730,056$2,648,944$3,086,622
37$3,284,811$2,824,437$2,698,292$3,281,441
38$3,579,230$2,922,201$2,748,052$3,493,010
39$3,902,399$3,023,477$2,798,199$3,722,960
40$4,257,210$3,128,394$2,848,706$3,973,088
41$4,646,851$3,237,091$2,899,543$4,245,369
42$5,074,831$3,349,709$2,950,678$4,541,981
43$5,545,015$3,466,397$3,002,078$4,865,322
44$6,061,664$3,587,307$3,053,704$5,218,030
45$6,629,469$3,712,601$3,105,519$5,603,014
46$7,253,600$3,842,443$3,157,479$6,023,474
47$7,939,752$3,977,008$3,209,539$6,482,937
48$8,694,199$4,116,474$3,261,652$6,985,286
49$9,523,855$4,261,028$3,313,764$7,534,800
50$10,436,335$4,410,866$3,365,822$8,136,188
51$11,440,031$4,566,188$3,417,767$8,794,643
52$12,544,189$4,727,206$3,469,537$9,515,881
53$13,758,995$4,894,138$3,521,065$10,306,200
54$15,095,673$5,067,211$3,572,282$11,172,539
55$16,566,590$5,246,663$3,623,111$12,122,541
56$18,185,372$5,432,739$3,673,476$13,164,627
57$19,967,033$5,625,696$3,723,290$14,308,074
58$21,928,116$5,825,801$3,772,466$15,563,103
59$24,086,850$6,033,331$3,820,909$16,940,974
60$26,463,319$6,248,575$3,868,520$18,454,095
61$29,079,657$6,471,834$3,915,194$20,116,136
62$31,960,248$6,703,420$3,960,820$21,942,157
63$35,131,966$6,943,660$4,005,280$23,948,753
64$38,624,419$7,192,892$4,048,449$26,154,209
65$42,470,236$7,451,470$4,090,199$28,578,671
66$46,705,370$7,719,762$4,130,390$31,244,338
67$51,369,436$7,998,149$4,168,877$34,175,669
68$56,506,092$8,287,031$4,205,507$37,399,617
69$62,163,441$8,586,823$4,240,119$40,945,880
70$68,394,491$8,897,958$4,272,543$44,847,180
71$75,257,657$9,220,884$4,302,600$49,139,576
72$82,817,303$9,556,073$4,330,103$53,862,801
73$91,144,359$9,904,012$4,354,852$59,060,638
74$100,316,985$10,265,210$4,376,641$64,781,331
75$110,421,309$10,640,197$4,395,251$71,078,042
76$121,552,243$11,029,527$4,410,452$78,009,352
77$133,814,372$11,433,774$4,422,003$85,639,814
78$147,322,949$11,853,540$4,429,650$94,040,562
79$162,204,975$12,289,448$4,433,129$103,289,982
80$178,600,402$12,742,152$4,432,159$113,474,449
81$196,663,455$13,212,329$4,426,448$124,689,149
82$216,564,082$13,700,687$4,415,688$137,038,968
83$238,489,563$14,207,966$4,399,559$150,639,489
84$262,646,276$14,734,933$4,377,721$165,618,082
85$289,261,642$15,282,392$4,349,821$182,115,101
86$318,586,278$15,851,177$4,315,488$200,285,214
87$350,896,355$16,442,161$4,274,333$220,298,860
88$386,496,209$17,056,253$4,225,950$242,343,860
89$425,721,214$17,694,401$4,169,911$266,627,185
90$468,940,945$18,357,593$4,105,770$293,376,916
91$516,562,667$19,046,862$4,033,059$322,844,390
92$569,035,183$19,763,281$3,951,290$355,306,580
93$626,853,063$20,507,973$3,859,949$391,068,702
94$690,561,320$21,282,109$3,758,503$430,467,099
95$760,760,551$22,086,908$3,646,388$473,872,418
96$838,112,605$22,923,645$3,523,021$521,693,106
97$923,346,835$23,793,648$3,387,786$574,379,265
98$1,017,266,979$24,698,303$3,240,044$632,426,905
99$1,120,758,749$25,639,058$3,079,123$696,382,621
100$1,234,798,191$26,617,422$2,904,323$766,848,756