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%19.4%
1 years$208,099$206,246$204,437$202,672$200,948$193,357
2 years$103,019$101,101$99,241$97,438$95,690$88,130
3 years$67,997$66,070$64,216$62,430$60,709$53,419
4 years$50,490$48,569$46,733$44,977$43,299$36,333
5 years$39,988$38,079$36,266$34,547$32,915$26,292
6 years$32,989$31,094$29,309$27,627$26,044$19,769
7 years$27,992$26,113$24,356$22,714$21,181$15,251
8 years$24,246$22,383$20,655$19,054$17,572$11,981
9 years$21,333$19,489$17,791$16,230$14,798$9,540
10 years$19,005$17,178$15,510$13,990$12,609$7,673
11 years$17,101$15,293$13,655$12,176$10,844$6,219
12 years$15,516$13,726$12,118$10,680$9,397$5,072
13 years$14,175$12,404$10,827$9,429$8,194$4,157
14 years$13,027$11,275$9,728$8,370$7,183$3,420
15 years$12,033$10,300$8,783$7,464$6,325$2,822
16 years$11,165$9,450$7,963$6,683$5,590$2,335
17 years$10,399$8,703$7,246$6,005$4,956$1,936
18 years$9,719$8,042$6,615$5,412$4,407$1,608
19 years$9,111$7,453$6,056$4,890$3,928$1,338
20 years$8,565$6,926$5,558$4,429$3,508$1,114
21 years$8,071$6,451$5,112$4,019$3,140$928
22 years$7,623$6,022$4,711$3,655$2,814$774
23 years$7,214$5,632$4,350$3,328$2,526$646
24 years$6,840$5,277$4,023$3,036$2,271$540
25 years$6,497$4,952$3,726$2,772$2,043$451
26 years$6,180$4,654$3,456$2,535$1,840$377
27 years$5,888$4,380$3,209$2,320$1,659$315
28 years$5,617$4,128$2,983$2,126$1,497$264
29 years$5,364$3,894$2,776$1,949$1,352$221
30 years$5,130$3,677$2,586$1,789$1,222$185
31 years$4,910$3,476$2,411$1,643$1,104$154
32 years$4,705$3,289$2,249$1,510$999$129
33 years$4,513$3,115$2,100$1,389$904$108
34 years$4,332$2,952$1,962$1,278$819$91
35 years$4,162$2,800$1,835$1,176$741$76
36 years$4,002$2,658$1,716$1,083$672$63
37 years$3,851$2,524$1,606$998$609$53
38 years$3,708$2,399$1,504$920$552$45
39 years$3,573$2,281$1,409$848$501$37
40 years$3,445$2,170$1,321$782$454$31
41 years$3,324$2,066$1,239$722$412$26
42 years$3,208$1,968$1,162$666$374$22
43 years$3,099$1,875$1,090$615$339$18
44 years$2,994$1,787$1,023$568$308$15
45 years$2,895$1,704$961$524$280$13
46 years$2,800$1,626$903$484$254$11
47 years$2,709$1,551$848$447$230$9
48 years$2,622$1,481$797$414$209$8
49 years$2,540$1,414$749$382$190$6
50 years$2,460$1,351$704$353$173$5

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 $3,418 every year, while hoping to spend $29,854 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: 34/42/24 Blend
34$2,520,000$2,520,000$2,520,000$2,520,000
35$2,780,566$2,647,006$2,607,946$2,854,692
36$3,032,419$2,744,945$2,663,547$3,008,231
37$3,308,961$2,846,682$2,720,011$3,170,738
38$3,612,678$2,952,372$2,777,335$3,345,384
39$3,946,309$3,062,177$2,835,514$3,533,264
40$4,312,873$3,176,263$2,894,543$3,735,584
41$4,715,693$3,294,808$2,954,418$3,953,664
42$5,158,433$3,417,992$3,015,130$4,188,955
43$5,645,127$3,546,008$3,076,671$4,443,052
44$6,180,220$3,679,053$3,139,030$4,717,704
45$6,768,611$3,817,334$3,202,195$5,014,835
46$7,415,695$3,961,069$3,266,154$5,336,559
47$8,127,417$4,110,483$3,330,892$5,685,200
48$8,910,327$4,265,810$3,396,390$6,063,310
49$9,771,642$4,427,297$3,462,631$6,473,698
50$10,719,314$4,595,199$3,529,594$6,919,450
51$11,762,104$4,769,784$3,597,255$7,403,961
52$12,909,665$4,951,330$3,665,590$7,930,966
53$14,172,634$5,140,128$3,734,571$8,504,570
54$15,562,731$5,336,482$3,804,167$9,129,291
55$17,092,869$5,540,709$3,874,346$9,810,099
56$18,777,277$5,753,140$3,945,072$10,552,463
57$20,631,635$5,974,119$4,016,307$11,362,399
58$22,673,217$6,204,006$4,088,009$12,246,530
59$24,921,062$6,443,179$4,160,134$13,212,142
60$27,396,145$6,692,029$4,232,633$14,267,256
61$30,121,579$6,950,967$4,305,454$15,420,701
62$33,122,836$7,220,420$4,378,542$16,682,194
63$36,427,980$7,500,835$4,451,838$18,062,432
64$40,067,937$7,792,679$4,525,277$19,573,194
65$44,076,785$8,096,438$4,598,792$21,227,445
66$48,492,075$8,412,623$4,672,311$23,039,462
67$53,355,189$8,741,763$4,745,755$25,024,964
68$58,711,723$9,084,414$4,819,043$27,201,259
69$64,611,924$9,441,156$4,892,086$29,587,409
70$71,111,161$9,812,593$4,964,792$32,204,401
71$78,270,449$10,199,359$5,037,061$35,075,352
72$86,157,021$10,602,114$5,108,789$38,225,717
73$94,844,967$11,021,548$5,179,864$41,683,534
74$104,415,932$11,458,382$5,250,167$45,479,681
75$114,959,884$11,913,369$5,319,574$49,648,168
76$126,575,965$12,387,297$5,387,953$54,226,458
77$139,373,426$12,880,988$5,455,162$59,255,810
78$153,472,660$13,395,301$5,521,055$64,781,677
79$169,006,335$13,931,134$5,585,474$70,854,124
80$186,120,648$14,489,427$5,648,254$77,528,299
81$204,976,704$15,071,159$5,709,221$84,864,956
82$225,752,039$15,677,356$5,768,190$92,931,019
83$248,642,290$16,309,090$5,824,968$101,800,215
84$273,863,048$16,967,480$5,879,349$111,553,763
85$301,651,890$17,653,698$5,931,119$122,281,142
86$332,270,621$18,368,967$5,980,049$134,080,927
87$366,007,744$19,114,566$6,025,900$147,061,720
88$403,181,188$19,891,834$6,068,422$161,343,170
89$444,141,304$20,702,168$6,107,349$177,057,096
90$489,274,174$21,547,032$6,142,402$194,348,732
91$539,005,257$22,427,953$6,173,289$213,378,090
92$593,803,401$23,346,530$6,199,702$234,321,465
93$654,185,273$24,304,435$6,221,317$257,373,100
94$720,720,235$25,303,417$6,237,796$282,747,009
95$794,035,716$26,345,302$6,248,780$310,678,995
96$874,823,141$27,432,004$6,253,895$341,428,870
97$963,844,450$28,565,520$6,252,750$375,282,902
98$1,061,939,297$29,747,944$6,244,930$412,556,512
99$1,170,032,974$30,981,462$6,230,004$453,597,245
100$1,289,145,146$32,268,362$6,207,517$498,788,045