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%16.5%
1 years$208,099$206,246$204,437$202,672$200,948$195,614
2 years$103,019$101,101$99,241$97,438$95,690$90,353
3 years$67,997$66,070$64,216$62,430$60,709$55,537
4 years$50,490$48,569$46,733$44,977$43,299$38,330
5 years$39,988$38,079$36,266$34,547$32,915$28,164
6 years$32,989$31,094$29,309$27,627$26,044$21,516
7 years$27,992$26,113$24,356$22,714$21,181$16,876
8 years$24,246$22,383$20,655$19,054$17,572$13,487
9 years$21,333$19,489$17,791$16,230$14,798$10,930
10 years$19,005$17,178$15,510$13,990$12,609$8,952
11 years$17,101$15,293$13,655$12,176$10,844$7,394
12 years$15,516$13,726$12,118$10,680$9,397$6,147
13 years$14,175$12,404$10,827$9,429$8,194$5,138
14 years$13,027$11,275$9,728$8,370$7,183$4,313
15 years$12,033$10,300$8,783$7,464$6,325$3,633
16 years$11,165$9,450$7,963$6,683$5,590$3,070
17 years$10,399$8,703$7,246$6,005$4,956$2,600
18 years$9,719$8,042$6,615$5,412$4,407$2,207
19 years$9,111$7,453$6,056$4,890$3,928$1,876
20 years$8,565$6,926$5,558$4,429$3,508$1,597
21 years$8,071$6,451$5,112$4,019$3,140$1,361
22 years$7,623$6,022$4,711$3,655$2,814$1,162
23 years$7,214$5,632$4,350$3,328$2,526$992
24 years$6,840$5,277$4,023$3,036$2,271$848
25 years$6,497$4,952$3,726$2,772$2,043$725
26 years$6,180$4,654$3,456$2,535$1,840$620
27 years$5,888$4,380$3,209$2,320$1,659$531
28 years$5,617$4,128$2,983$2,126$1,497$455
29 years$5,364$3,894$2,776$1,949$1,352$390
30 years$5,130$3,677$2,586$1,789$1,222$334
31 years$4,910$3,476$2,411$1,643$1,104$286
32 years$4,705$3,289$2,249$1,510$999$245
33 years$4,513$3,115$2,100$1,389$904$210
34 years$4,332$2,952$1,962$1,278$819$180
35 years$4,162$2,800$1,835$1,176$741$155
36 years$4,002$2,658$1,716$1,083$672$133
37 years$3,851$2,524$1,606$998$609$114
38 years$3,708$2,399$1,504$920$552$98
39 years$3,573$2,281$1,409$848$501$84
40 years$3,445$2,170$1,321$782$454$72
41 years$3,324$2,066$1,239$722$412$62
42 years$3,208$1,968$1,162$666$374$53
43 years$3,099$1,875$1,090$615$339$45
44 years$2,994$1,787$1,023$568$308$39
45 years$2,895$1,704$961$524$280$33
46 years$2,800$1,626$903$484$254$29
47 years$2,709$1,551$848$447$230$25
48 years$2,622$1,481$797$414$209$21
49 years$2,540$1,414$749$382$190$18
50 years$2,460$1,351$704$353$173$16

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 $6,488 every year, while hoping to spend $33,835 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: 48/45/7 Blend
34$2,520,000$2,520,000$2,520,000$2,520,000
35$2,783,732$2,650,172$2,611,112$2,911,907
36$3,031,673$2,744,031$2,662,584$3,094,219
37$3,303,769$2,841,354$2,714,647$3,287,938
38$3,602,450$2,942,276$2,767,284$3,497,462
39$3,930,389$3,046,937$2,820,477$3,724,271
40$4,290,534$3,155,482$2,874,208$3,969,990
41$4,686,130$3,268,062$2,928,455$4,236,407
42$5,120,752$3,384,834$2,983,195$4,525,484
43$5,598,339$3,505,962$3,038,403$4,839,381
44$6,123,232$3,631,616$3,094,052$5,180,473
45$6,700,210$3,761,974$3,150,111$5,551,369
46$7,334,541$3,897,220$3,206,550$5,954,941
47$8,032,028$4,037,547$3,263,332$6,394,346
48$8,799,063$4,183,155$3,320,422$6,873,058
49$9,642,690$4,334,253$3,377,779$7,394,899
50$10,570,670$4,491,057$3,435,360$7,964,073
51$11,591,554$4,653,794$3,493,120$8,585,206
52$12,714,762$4,822,699$3,551,009$9,263,391
53$13,950,674$4,998,018$3,608,975$10,004,228
54$15,310,728$5,180,006$3,666,961$10,813,886
55$16,807,526$5,368,930$3,724,907$11,699,152
56$18,454,953$5,565,067$3,782,751$12,667,496
57$20,268,309$5,768,706$3,840,424$13,727,143
58$22,264,453$5,980,149$3,897,854$14,887,149
59$24,461,959$6,199,708$3,954,965$16,157,481
60$26,881,297$6,427,712$4,011,674$17,549,116
61$29,545,020$6,664,501$4,067,896$19,074,137
62$32,477,980$6,910,430$4,123,539$20,745,853
63$35,707,563$7,165,870$4,178,506$22,578,916
64$39,263,943$7,431,206$4,232,695$24,589,464
65$43,180,372$7,706,841$4,285,996$26,795,266
66$47,493,488$7,993,195$4,338,296$29,215,893
67$52,243,668$8,290,705$4,389,472$31,872,901
68$57,475,399$8,599,827$4,439,397$34,790,028
69$63,237,708$8,921,037$4,487,935$37,993,422
70$69,584,617$9,254,830$4,534,943$41,511,882
71$76,575,655$9,601,724$4,580,271$45,377,131
72$84,276,421$9,962,258$4,623,759$49,624,111
73$92,759,202$10,336,995$4,665,242$54,291,312
74$102,103,654$10,726,521$4,704,541$59,421,135
75$112,397,556$11,131,449$4,741,471$65,060,285
76$123,737,634$11,552,417$4,775,838$71,260,216
77$136,230,479$11,990,092$4,807,435$78,077,609
78$149,993,549$12,445,169$4,836,046$85,574,909
79$165,156,282$12,918,372$4,861,444$93,820,907
80$181,861,310$13,410,460$4,883,389$102,891,391
81$200,265,811$13,922,220$4,901,631$112,869,859
82$220,542,994$14,454,479$4,915,906$123,848,298
83$242,883,726$15,008,095$4,925,935$135,928,059
84$267,498,342$15,583,967$4,931,430$149,220,801
85$294,618,623$16,183,032$4,932,083$163,849,549
86$324,499,989$16,806,268$4,927,575$179,949,849
87$357,423,909$17,454,695$4,917,569$197,671,044
88$393,700,553$18,129,381$4,901,713$217,177,681
89$433,671,726$18,831,437$4,879,637$238,651,058
90$477,714,091$19,562,026$4,850,953$262,290,937
91$526,242,724$20,322,361$4,815,256$288,317,421
92$579,715,034$21,113,710$4,772,120$316,973,028
93$638,635,080$21,937,394$4,721,098$348,524,976
94$703,558,328$22,794,796$4,661,725$383,267,706
95$775,096,895$23,687,358$4,593,510$421,525,648
96$853,925,328$24,616,588$4,515,942$463,656,285
97$940,786,969$25,584,059$4,428,484$510,053,522
98$1,036,500,979$26,591,416$4,330,577$561,151,396
99$1,141,970,059$27,640,377$4,221,632$617,428,170
100$1,258,188,985$28,732,735$4,101,036$679,410,843