Can I retire at age 35 with 2,520,000?

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 $2,520,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$208,099$206,246$204,437$202,672$200,948$198,602
2 years$103,019$101,101$99,241$97,438$95,690$93,328
3 years$67,997$66,070$64,216$62,430$60,709$58,406
4 years$50,490$48,569$46,733$44,977$43,299$41,071
5 years$39,988$38,079$36,266$34,547$32,915$30,769
6 years$32,989$31,094$29,309$27,627$26,044$23,983
7 years$27,992$26,113$24,356$22,714$21,181$19,206
8 years$24,246$22,383$20,655$19,054$17,572$15,682
9 years$21,333$19,489$17,791$16,230$14,798$12,993
10 years$19,005$17,178$15,510$13,990$12,609$10,887
11 years$17,101$15,293$13,655$12,176$10,844$9,204
12 years$15,516$13,726$12,118$10,680$9,397$7,838
13 years$14,175$12,404$10,827$9,429$8,194$6,714
14 years$13,027$11,275$9,728$8,370$7,183$5,779
15 years$12,033$10,300$8,783$7,464$6,325$4,994
16 years$11,165$9,450$7,963$6,683$5,590$4,331
17 years$10,399$8,703$7,246$6,005$4,956$3,767
18 years$9,719$8,042$6,615$5,412$4,407$3,284
19 years$9,111$7,453$6,056$4,890$3,928$2,869
20 years$8,565$6,926$5,558$4,429$3,508$2,511
21 years$8,071$6,451$5,112$4,019$3,140$2,202
22 years$7,623$6,022$4,711$3,655$2,814$1,933
23 years$7,214$5,632$4,350$3,328$2,526$1,699
24 years$6,840$5,277$4,023$3,036$2,271$1,495
25 years$6,497$4,952$3,726$2,772$2,043$1,316
26 years$6,180$4,654$3,456$2,535$1,840$1,160
27 years$5,888$4,380$3,209$2,320$1,659$1,023
28 years$5,617$4,128$2,983$2,126$1,497$903
29 years$5,364$3,894$2,776$1,949$1,352$797
30 years$5,130$3,677$2,586$1,789$1,222$704
31 years$4,910$3,476$2,411$1,643$1,104$622
32 years$4,705$3,289$2,249$1,510$999$550
33 years$4,513$3,115$2,100$1,389$904$487
34 years$4,332$2,952$1,962$1,278$819$431
35 years$4,162$2,800$1,835$1,176$741$381
36 years$4,002$2,658$1,716$1,083$672$337
37 years$3,851$2,524$1,606$998$609$298
38 years$3,708$2,399$1,504$920$552$264
39 years$3,573$2,281$1,409$848$501$234
40 years$3,445$2,170$1,321$782$454$207
41 years$3,324$2,066$1,239$722$412$184
42 years$3,208$1,968$1,162$666$374$163
43 years$3,099$1,875$1,090$615$339$144
44 years$2,994$1,787$1,023$568$308$128
45 years$2,895$1,704$961$524$280$113
46 years$2,800$1,626$903$484$254$100
47 years$2,709$1,551$848$447$230$89
48 years$2,622$1,481$797$414$209$79
49 years$2,540$1,414$749$382$190$70
50 years$2,460$1,351$704$353$173$62

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,520,000, adding $6,031 every year, while hoping to spend $35,856 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: 66/11/23 Blend
34$2,520,000$2,520,000$2,520,000$2,520,000
35$2,783,261$2,649,701$2,610,641$2,950,133
36$3,029,003$2,741,386$2,659,947$3,154,734
37$3,298,609$2,836,361$2,709,703$3,373,707
38$3,594,475$2,934,751$2,759,886$3,612,278
39$3,919,241$3,036,684$2,810,472$3,872,376
40$4,275,815$3,142,292$2,861,433$4,156,125
41$4,667,398$3,251,714$2,912,741$4,465,863
42$5,097,519$3,365,095$2,964,365$4,804,166
43$5,570,066$3,482,584$3,016,271$5,173,870
44$6,089,318$3,604,337$3,068,422$5,578,098
45$6,659,995$3,730,515$3,120,780$6,020,292
46$7,287,292$3,861,288$3,173,303$6,504,240
47$7,976,934$3,996,829$3,225,948$7,034,117
48$8,735,230$4,137,322$3,278,665$7,614,519
49$9,569,128$4,282,956$3,331,405$8,250,511
50$10,486,285$4,433,927$3,384,113$8,947,672
51$11,495,137$4,590,440$3,436,732$9,712,148
52$12,604,979$4,752,709$3,489,200$10,550,707
53$13,826,050$4,920,956$3,541,452$11,470,810
54$15,169,635$5,095,410$3,593,418$12,480,673
55$16,648,165$5,276,313$3,645,025$13,589,348
56$18,275,338$5,463,913$3,696,194$14,806,809
57$20,066,249$5,658,471$3,746,843$16,144,043
58$22,037,528$5,860,258$3,796,884$17,613,158
59$24,207,500$6,069,554$3,846,224$19,227,492
60$26,596,357$6,286,654$3,894,764$21,001,742
61$29,226,347$6,511,862$3,942,400$22,952,100
62$32,121,986$6,745,495$3,989,023$25,096,408
63$35,310,290$6,987,885$4,034,515$27,454,324
64$38,821,023$7,239,376$4,078,756$30,047,510
65$42,686,988$7,500,326$4,121,615$32,899,833
66$46,944,328$7,771,108$4,162,955$36,037,591
67$51,632,868$8,052,112$4,202,634$39,489,762
68$56,796,497$8,343,741$4,240,498$43,288,277
69$62,483,574$8,646,419$4,276,389$47,468,320
70$68,747,388$8,960,583$4,310,138$52,068,660
71$75,646,662$9,286,692$4,341,568$57,132,018
72$83,246,104$9,625,222$4,370,492$62,705,468
73$91,617,018$9,976,670$4,396,716$68,840,884
74$100,837,980$10,341,552$4,420,032$75,595,424
75$110,995,574$10,720,409$4,440,223$83,032,076
76$122,185,216$11,113,802$4,457,063$91,220,246
77$134,512,045$11,522,315$4,470,312$100,236,418
78$148,091,925$11,946,560$4,479,719$110,164,870
79$163,052,532$12,387,172$4,485,020$121,098,476
80$179,534,560$12,844,814$4,485,938$133,139,578
81$197,693,051$13,320,176$4,482,184$146,400,949
82$217,698,857$13,813,979$4,473,451$161,006,866
83$239,740,250$14,326,973$4,459,421$177,094,274
84$264,024,702$14,859,942$4,439,758$194,814,082
85$290,780,843$15,413,700$4,414,112$214,332,589
86$320,260,618$15,989,100$4,382,113$235,833,049
87$352,741,664$16,587,029$4,343,377$259,517,406
88$388,529,932$17,208,412$4,297,498$285,608,195
89$427,962,574$17,854,214$4,244,054$314,350,645
90$471,411,128$18,525,441$4,182,601$346,014,993
91$519,285,021$19,223,145$4,112,676$380,899,034
92$572,035,433$19,948,420$4,033,791$419,330,935
93$630,159,563$20,702,408$3,945,439$461,672,327
94$694,205,315$21,486,303$3,847,087$508,321,724
95$764,776,472$22,301,346$3,738,180$559,718,281
96$842,538,397$23,148,837$3,618,133$616,345,943
97$928,224,311$24,030,128$3,486,339$678,738,008
98$1,022,642,220$24,946,633$3,342,160$747,482,165
99$1,126,682,534$25,899,826$3,184,930$823,226,043
100$1,241,326,481$26,891,246$3,013,954$906,683,318