Can I retire at age 35 with 2,530,000?

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 $2,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$208,925$207,064$205,248$203,476$201,746$200,390
2 years$103,428$101,502$99,635$97,825$96,069$94,702
3 years$68,267$66,333$64,471$62,677$60,950$59,614
4 years$50,690$48,762$46,918$45,156$43,470$42,175
5 years$40,147$38,230$36,410$34,684$33,045$31,795
6 years$33,120$31,217$29,425$27,737$26,148$24,944
7 years$28,103$26,216$24,452$22,804$21,265$20,108
8 years$24,342$22,472$20,737$19,130$17,641$16,532
9 years$21,418$19,566$17,861$16,294$14,857$13,794
10 years$19,080$17,247$15,572$14,046$12,659$11,642
11 years$17,169$15,354$13,709$12,224$10,887$9,916
12 years$15,577$13,781$12,167$10,722$9,434$8,508
13 years$14,232$12,454$10,870$9,466$8,227$7,344
14 years$13,079$11,320$9,767$8,403$7,212$6,371
15 years$12,081$10,341$8,818$7,494$6,350$5,551
16 years$11,209$9,488$7,995$6,710$5,612$4,854
17 years$10,440$8,738$7,275$6,029$4,976$4,257
18 years$9,757$8,074$6,641$5,433$4,424$3,743
19 years$9,147$7,483$6,080$4,909$3,943$3,299
20 years$8,599$6,954$5,580$4,446$3,522$2,913
21 years$8,103$6,477$5,132$4,035$3,152$2,577
22 years$7,653$6,046$4,730$3,669$2,825$2,282
23 years$7,243$5,655$4,367$3,342$2,536$2,025
24 years$6,868$5,298$4,039$3,048$2,280$1,798
25 years$6,523$4,972$3,741$2,783$2,051$1,598
26 years$6,205$4,673$3,470$2,545$1,848$1,422
27 years$5,911$4,398$3,222$2,329$1,666$1,266
28 years$5,639$4,144$2,995$2,134$1,503$1,128
29 years$5,386$3,909$2,787$1,957$1,357$1,006
30 years$5,150$3,692$2,596$1,796$1,226$897
31 years$4,930$3,490$2,420$1,650$1,109$801
32 years$4,724$3,302$2,258$1,516$1,003$715
33 years$4,531$3,127$2,109$1,394$908$639
34 years$4,350$2,964$1,970$1,283$822$571
35 years$4,179$2,811$1,842$1,181$744$510
36 years$4,018$2,668$1,723$1,088$674$456
37 years$3,867$2,534$1,613$1,002$611$408
38 years$3,723$2,409$1,510$924$554$365
39 years$3,587$2,290$1,415$852$503$326
40 years$3,459$2,179$1,326$785$456$292
41 years$3,337$2,074$1,244$725$414$261
42 years$3,221$1,975$1,167$669$375$234
43 years$3,111$1,882$1,095$617$341$209
44 years$3,006$1,794$1,027$570$309$187
45 years$2,906$1,711$965$526$281$168
46 years$2,811$1,632$906$486$255$150
47 years$2,720$1,558$851$449$231$134
48 years$2,633$1,487$800$415$210$120
49 years$2,550$1,420$752$384$191$108
50 years$2,470$1,356$707$355$173$97

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,530,000, adding $3,791 every year, while hoping to spend $57,298 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: 53/41/6 Blend
34$2,530,000$2,530,000$2,530,000$2,530,000
35$2,791,970$2,657,880$2,618,665$2,935,892
36$3,015,787$2,727,152$2,645,426$3,103,007
37$3,260,512$2,797,897$2,671,163$3,278,110
38$3,528,218$2,870,128$2,695,781$3,467,210
39$3,821,187$2,943,856$2,719,180$3,671,638
40$4,141,932$3,019,088$2,741,256$3,892,858
41$4,493,218$3,095,832$2,761,897$4,132,482
42$4,878,093$3,174,095$2,780,988$4,392,287
43$5,299,912$3,253,879$2,798,404$4,674,225
44$5,762,370$3,335,186$2,814,018$4,980,448
45$6,269,538$3,418,017$2,827,694$5,313,325
46$6,825,899$3,502,367$2,839,290$5,675,463
47$7,436,390$3,588,232$2,848,655$6,069,736
48$8,106,449$3,675,603$2,855,632$6,499,307
49$8,842,068$3,764,469$2,860,058$6,967,660
50$9,649,847$3,854,816$2,861,757$7,478,633
51$10,537,054$3,946,625$2,860,549$8,036,452
52$11,511,699$4,039,874$2,856,242$8,645,774
53$12,582,603$4,134,539$2,848,637$9,311,730
54$13,759,486$4,230,589$2,837,524$10,039,968
55$15,053,054$4,327,989$2,822,682$10,836,716
56$16,475,105$4,426,699$2,803,881$11,708,831
57$18,038,634$4,526,676$2,780,880$12,663,871
58$19,757,960$4,627,868$2,753,424$13,710,160
59$21,648,858$4,730,220$2,721,249$14,856,872
60$23,728,708$4,833,667$2,684,078$16,114,115
61$26,016,660$4,938,141$2,641,619$17,493,024
62$28,533,814$5,043,564$2,593,567$19,005,872
63$31,303,416$5,149,852$2,539,605$20,666,181
64$34,351,081$5,256,911$2,479,398$22,488,850
65$37,705,031$5,364,640$2,412,598$24,490,297
66$41,396,364$5,472,926$2,338,839$26,688,616
67$45,459,343$5,581,650$2,257,741$29,103,742
68$49,931,724$5,690,678$2,168,903$31,757,646
69$54,855,106$5,799,868$2,071,907$34,674,538
70$60,275,329$5,909,064$1,966,319$37,881,098
71$66,242,903$6,018,098$1,851,681$41,406,724
72$72,813,483$6,126,789$1,727,516$45,283,818
73$80,048,397$6,234,941$1,593,327$49,548,082
74$88,015,223$6,342,342$1,448,592$54,238,864
75$96,788,424$6,448,765$1,292,768$59,399,524
76$106,450,055$6,553,966$1,125,287$65,077,847
77$117,090,532$6,657,682$945,556$71,326,491
78$128,809,488$6,759,631$752,954$78,203,491
79$141,716,714$6,859,510$546,836$85,772,799
80$155,933,189$6,956,997$326,526$94,104,895
81$171,592,228$7,051,743$91,318$103,277,450
82$188,840,735$7,143,379$0$113,376,061
83$207,840,593$7,231,506$0$124,505,281
84$228,770,186$7,315,703$0$136,765,748
85$251,826,087$7,395,515$0$150,266,225
86$277,224,913$7,470,460$0$165,133,020
87$305,205,365$7,540,024$0$181,505,330
88$336,030,484$7,603,656$0$199,536,548
89$369,990,131$7,660,773$0$219,395,722
90$407,403,725$7,710,752$0$241,269,142
91$448,623,256$7,752,930$0$265,362,106
92$494,036,606$7,786,601$0$291,900,858
93$544,071,212$7,811,016$0$321,134,725
94$599,198,097$7,825,378$0$353,338,470
95$659,936,322$7,828,840$0$388,814,891
96$726,857,875$7,820,502$0$427,897,677
97$800,593,081$7,799,409$0$470,954,564
98$881,836,543$7,764,547$0$518,390,806
99$971,353,701$7,714,841$0$570,653,005
100$1,069,988,058$7,649,148$0$628,233,326