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%11.4%
1 years$207,273$205,427$203,626$201,868$200,151$198,973
2 years$102,611$100,700$98,848$97,052$95,310$94,122
3 years$67,728$65,808$63,961$62,182$60,469$59,306
4 years$50,289$48,376$46,547$44,799$43,127$42,000
5 years$39,829$37,927$36,122$34,410$32,784$31,696
6 years$32,858$30,971$29,192$27,518$25,941$24,893
7 years$27,881$26,009$24,259$22,624$21,097$20,089
8 years$24,149$22,295$20,574$18,979$17,502$16,535
9 years$21,249$19,411$17,720$16,166$14,739$13,812
10 years$18,930$17,110$15,449$13,935$12,559$11,672
11 years$17,033$15,232$13,601$12,127$10,801$9,953
12 years$15,454$13,672$12,070$10,637$9,360$8,551
13 years$14,119$12,355$10,784$9,391$8,162$7,391
14 years$12,976$11,230$9,690$8,337$7,155$6,420
15 years$11,986$10,259$8,748$7,435$6,300$5,601
16 years$11,120$9,413$7,932$6,657$5,568$4,904
17 years$10,357$8,669$7,217$5,981$4,937$4,307
18 years$9,680$8,010$6,589$5,390$4,389$3,792
19 years$9,075$7,424$6,032$4,871$3,912$3,347
20 years$8,531$6,899$5,535$4,411$3,495$2,960
21 years$8,039$6,426$5,092$4,003$3,127$2,622
22 years$7,593$5,998$4,693$3,640$2,803$2,326
23 years$7,186$5,610$4,333$3,315$2,516$2,066
24 years$6,813$5,256$4,007$3,024$2,262$1,838
25 years$6,471$4,933$3,711$2,761$2,035$1,636
26 years$6,156$4,636$3,442$2,525$1,833$1,458
27 years$5,864$4,363$3,196$2,311$1,653$1,300
28 years$5,594$4,111$2,971$2,117$1,491$1,160
29 years$5,343$3,878$2,765$1,942$1,347$1,036
30 years$5,109$3,663$2,576$1,782$1,217$926
31 years$4,891$3,463$2,401$1,637$1,100$828
32 years$4,687$3,276$2,240$1,504$995$740
33 years$4,495$3,103$2,092$1,383$901$662
34 years$4,315$2,941$1,954$1,273$815$593
35 years$4,146$2,789$1,827$1,171$738$531
36 years$3,986$2,647$1,709$1,079$669$475
37 years$3,836$2,514$1,600$994$606$426
38 years$3,694$2,390$1,498$916$550$381
39 years$3,559$2,272$1,404$845$499$342
40 years$3,432$2,162$1,316$779$452$306
41 years$3,311$2,058$1,234$719$410$275
42 years$3,196$1,960$1,157$664$372$246
43 years$3,086$1,867$1,086$612$338$221
44 years$2,982$1,780$1,019$566$307$198
45 years$2,883$1,697$957$522$278$178
46 years$2,789$1,619$899$482$253$159
47 years$2,698$1,545$845$446$230$143
48 years$2,612$1,475$794$412$208$128
49 years$2,530$1,409$746$381$189$115
50 years$2,451$1,346$701$352$172$103

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 $3,012 every year, while hoping to spend $23,651 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: 68/14/18 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,769,127$2,636,097$2,597,192$2,945,110
36$3,026,413$2,740,101$2,659,033$3,167,014
37$3,309,150$2,848,409$2,722,154$3,406,599
38$3,619,909$2,961,206$2,786,571$3,668,086
39$3,961,521$3,078,687$2,852,303$3,953,627
40$4,337,108$3,201,055$2,919,367$4,265,595
41$4,750,108$3,328,521$2,987,780$4,606,601
42$5,204,308$3,461,307$3,057,560$4,979,518
43$5,703,881$3,599,645$3,128,722$5,387,512
44$6,253,426$3,743,777$3,201,283$5,834,066
45$6,858,009$3,893,955$3,275,259$6,323,016
46$7,523,211$4,050,444$3,350,666$6,858,588
47$8,255,183$4,213,520$3,427,517$7,445,434
48$9,060,701$4,383,472$3,505,829$8,088,676
49$9,947,231$4,560,601$3,585,613$8,793,956
50$10,923,002$4,745,224$3,666,884$9,567,490
51$11,997,078$4,937,669$3,749,654$10,416,120
52$13,179,447$5,138,282$3,833,935$11,347,385
53$14,481,115$5,347,423$3,919,737$12,369,586
54$15,914,211$5,565,469$4,007,070$13,491,871
55$17,492,098$5,792,814$4,095,944$14,724,310
56$19,229,499$6,029,870$4,186,366$16,078,003
57$21,142,642$6,277,067$4,278,343$17,565,171
58$23,249,405$6,534,857$4,371,881$19,199,279
59$25,569,490$6,803,710$4,466,984$20,995,163
60$28,124,606$7,084,120$4,563,656$22,969,162
61$30,938,674$7,376,601$4,661,897$25,139,280
62$34,038,057$7,681,692$4,761,709$27,525,348
63$37,451,801$7,999,957$4,863,088$30,149,218
64$41,211,916$8,331,986$4,966,033$33,034,960
65$45,353,673$8,678,395$5,070,537$36,209,098
66$49,915,941$9,039,830$5,176,594$39,700,849
67$54,941,551$9,416,965$5,284,193$43,542,408
68$60,477,700$9,810,507$5,393,324$47,769,244
69$66,576,397$10,221,194$5,503,972$52,420,437
70$73,294,955$10,649,798$5,616,121$57,539,045
71$80,696,531$11,097,129$5,729,752$63,172,511
72$88,850,721$11,564,032$5,844,842$69,373,108
73$97,834,217$12,051,392$5,961,367$76,198,430
74$107,731,533$12,560,136$6,079,298$83,711,941
75$118,635,799$13,091,232$6,198,604$91,983,564
76$130,649,642$13,645,694$6,319,249$101,090,349
77$143,886,158$14,224,585$6,441,196$111,117,191
78$158,469,970$14,829,014$6,564,401$122,157,636
79$174,538,416$15,460,144$6,688,816$134,314,759
80$192,242,834$16,119,192$6,814,392$147,702,138
81$211,750,001$16,807,430$6,941,072$162,444,925
82$233,243,699$17,526,191$7,068,795$178,681,023
83$256,926,452$18,276,871$7,197,496$196,562,389
84$283,021,441$19,060,928$7,327,103$216,256,467
85$311,774,606$19,879,892$7,457,539$237,947,766
86$343,456,971$20,735,361$7,588,721$261,839,599
87$378,367,199$21,629,012$7,720,561$288,156,003
88$416,834,416$22,562,596$7,852,963$317,143,851
89$459,221,313$23,537,949$7,985,823$349,075,179
90$505,927,571$24,556,993$8,119,032$384,249,756
91$557,393,637$25,621,739$8,252,473$422,997,907
92$614,104,877$26,734,294$8,386,020$465,683,635
93$676,596,162$27,896,862$8,519,540$512,708,047
94$745,456,914$29,111,752$8,652,888$564,513,149
95$821,336,674$30,381,382$8,785,914$621,586,004
96$904,951,228$31,708,283$8,918,456$684,463,338
97$997,089,371$33,095,107$9,050,342$753,736,599
98$1,098,620,347$34,544,627$9,181,389$830,057,540
99$1,210,502,061$36,059,752$9,311,403$914,144,364
100$1,333,790,116$37,643,525$9,440,180$1,006,788,511