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

Use the below retirement simulation to view the chances of a successful retirement.
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%12.1%
1 years$208,925$207,064$205,248$203,476$201,746$199,972
2 years$103,428$101,502$99,635$97,825$96,069$94,282
3 years$68,267$66,333$64,471$62,677$60,950$59,205
4 years$50,690$48,762$46,918$45,156$43,470$41,780
5 years$40,147$38,230$36,410$34,684$33,045$31,415
6 years$33,120$31,217$29,425$27,737$26,148$24,580
7 years$28,103$26,216$24,452$22,804$21,265$19,760
8 years$24,342$22,472$20,737$19,130$17,641$16,199
9 years$21,418$19,566$17,861$16,294$14,857$13,477
10 years$19,080$17,247$15,572$14,046$12,659$11,340
11 years$17,169$15,354$13,709$12,224$10,887$9,629
12 years$15,577$13,781$12,167$10,722$9,434$8,236
13 years$14,232$12,454$10,870$9,466$8,227$7,087
14 years$13,079$11,320$9,767$8,403$7,212$6,128
15 years$12,081$10,341$8,818$7,494$6,350$5,321
16 years$11,209$9,488$7,995$6,710$5,612$4,637
17 years$10,440$8,738$7,275$6,029$4,976$4,052
18 years$9,757$8,074$6,641$5,433$4,424$3,551
19 years$9,147$7,483$6,080$4,909$3,943$3,118
20 years$8,599$6,954$5,580$4,446$3,522$2,743
21 years$8,103$6,477$5,132$4,035$3,152$2,418
22 years$7,653$6,046$4,730$3,669$2,825$2,134
23 years$7,243$5,655$4,367$3,342$2,536$1,885
24 years$6,868$5,298$4,039$3,048$2,280$1,668
25 years$6,523$4,972$3,741$2,783$2,051$1,477
26 years$6,205$4,673$3,470$2,545$1,848$1,309
27 years$5,911$4,398$3,222$2,329$1,666$1,161
28 years$5,639$4,144$2,995$2,134$1,503$1,030
29 years$5,386$3,909$2,787$1,957$1,357$915
30 years$5,150$3,692$2,596$1,796$1,226$813
31 years$4,930$3,490$2,420$1,650$1,109$722
32 years$4,724$3,302$2,258$1,516$1,003$642
33 years$4,531$3,127$2,109$1,394$908$571
34 years$4,350$2,964$1,970$1,283$822$508
35 years$4,179$2,811$1,842$1,181$744$452
36 years$4,018$2,668$1,723$1,088$674$403
37 years$3,867$2,534$1,613$1,002$611$359
38 years$3,723$2,409$1,510$924$554$319
39 years$3,587$2,290$1,415$852$503$285
40 years$3,459$2,179$1,326$785$456$254
41 years$3,337$2,074$1,244$725$414$226
42 years$3,221$1,975$1,167$669$375$201
43 years$3,111$1,882$1,095$617$341$179
44 years$3,006$1,794$1,027$570$309$160
45 years$2,906$1,711$965$526$281$143
46 years$2,811$1,632$906$486$255$127
47 years$2,720$1,558$851$449$231$113
48 years$2,633$1,487$800$415$210$101
49 years$2,550$1,420$752$384$191$90
50 years$2,470$1,356$707$355$173$80

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 $3,190 every year, while hoping to spend $55,933 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: 62/20/18 Blend
34$2,530,000$2,530,000$2,530,000$2,530,000
35$2,791,350$2,657,260$2,618,045$2,951,430
36$3,016,556$2,727,954$2,646,238$3,130,342
37$3,262,858$2,800,237$2,673,500$3,319,010
38$3,532,349$2,874,128$2,699,741$3,523,674
39$3,827,333$2,949,645$2,724,868$3,745,894
40$4,150,348$3,026,805$2,748,778$3,987,390
41$4,504,189$3,105,623$2,771,367$4,250,054
42$4,891,932$3,186,115$2,792,524$4,535,972
43$5,316,967$3,268,293$2,812,132$4,847,440
44$5,783,027$3,352,168$2,830,067$5,186,988
45$6,294,222$3,437,750$2,846,200$5,557,404
46$6,855,081$3,525,048$2,860,396$5,961,757
47$7,470,591$3,614,067$2,872,511$6,403,430
48$8,146,246$3,704,812$2,882,395$6,886,150
49$8,888,098$3,797,282$2,889,891$7,414,023
50$9,702,814$3,891,479$2,894,831$7,991,572
51$10,597,736$3,987,397$2,897,044$8,623,783
52$11,580,956$4,085,030$2,896,345$9,316,148
53$12,661,385$4,184,368$2,892,544$10,074,717
54$13,848,841$4,285,397$2,885,440$10,906,161
55$15,154,142$4,388,101$2,874,822$11,817,826
56$16,589,205$4,492,458$2,860,468$12,817,809
57$18,167,158$4,598,442$2,842,148$13,915,032
58$19,902,466$4,706,024$2,819,618$15,119,328
59$21,811,067$4,815,169$2,792,625$16,441,531
60$23,910,520$4,925,836$2,760,902$17,893,580
61$26,220,171$5,037,980$2,724,170$19,488,633
62$28,761,336$5,151,548$2,682,137$21,241,187
63$31,557,500$5,266,482$2,634,497$23,167,221
64$34,634,543$5,382,718$2,580,930$25,284,344
65$38,020,976$5,500,181$2,521,101$27,611,957
66$41,748,218$5,618,792$2,454,660$30,171,447
67$45,850,885$5,738,461$2,381,240$32,986,377
68$50,367,121$5,859,092$2,300,457$36,082,718
69$55,338,955$5,980,575$2,211,910$39,489,089
70$60,812,700$6,102,795$2,115,181$43,237,030
71$66,839,386$6,225,622$2,009,830$47,361,299
72$73,475,243$6,348,917$1,895,399$51,900,201
73$80,782,232$6,472,529$1,771,409$56,895,949
74$88,828,629$6,596,291$1,637,360$62,395,064
75$97,689,665$6,720,026$1,492,728$68,448,814
76$107,448,244$6,843,540$1,336,967$75,113,699
77$118,195,716$6,966,625$1,169,507$82,451,985
78$130,032,745$7,089,055$989,751$90,532,291
79$143,070,254$7,210,588$797,076$99,430,238
80$157,430,475$7,330,962$590,834$109,229,165
81$173,248,101$7,449,896$370,344$120,020,915
82$190,671,556$7,567,090$134,899$131,906,702
83$209,864,396$7,682,219$0$144,998,070
84$231,006,852$7,794,936$0$159,440,293
85$254,297,533$7,904,869$0$175,375,592
86$279,955,293$8,011,620$0$192,927,481
87$308,221,308$8,114,763$0$212,260,646
88$339,361,338$8,213,844$0$233,556,573
89$373,668,248$8,308,375$0$257,015,253
90$411,464,762$8,397,838$0$282,857,075
91$453,106,514$8,481,679$0$311,324,905
92$498,985,404$8,559,307$0$342,686,381
93$549,533,295$8,630,093$0$377,236,434
94$605,226,089$8,693,365$0$415,300,078
95$666,588,221$8,748,411$0$457,235,478
96$734,197,606$8,794,469$0$503,437,327
97$808,691,096$8,830,732$0$554,340,578
98$890,770,489$8,856,340$0$610,424,546
99$981,209,158$8,870,379$0$672,217,436
100$1,080,859,343$8,871,879$0$740,301,328