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%15.9%
1 years$208,925$207,064$205,248$203,476$201,746$196,869
2 years$103,428$101,502$99,635$97,825$96,069$91,185
3 years$68,267$66,333$64,471$62,677$60,950$56,212
4 years$50,690$48,762$46,918$45,156$43,470$38,913
5 years$40,147$38,230$36,410$34,684$33,045$28,683
6 years$33,120$31,217$29,425$27,737$26,148$21,985
7 years$28,103$26,216$24,452$22,804$21,265$17,302
8 years$24,342$22,472$20,737$19,130$17,641$13,876
9 years$21,418$19,566$17,861$16,294$14,857$11,286
10 years$19,080$17,247$15,572$14,046$12,659$9,279
11 years$17,169$15,354$13,709$12,224$10,887$7,693
12 years$15,577$13,781$12,167$10,722$9,434$6,421
13 years$14,232$12,454$10,870$9,466$8,227$5,389
14 years$13,079$11,320$9,767$8,403$7,212$4,542
15 years$12,081$10,341$8,818$7,494$6,350$3,842
16 years$11,209$9,488$7,995$6,710$5,612$3,260
17 years$10,440$8,738$7,275$6,029$4,976$2,773
18 years$9,757$8,074$6,641$5,433$4,424$2,364
19 years$9,147$7,483$6,080$4,909$3,943$2,019
20 years$8,599$6,954$5,580$4,446$3,522$1,727
21 years$8,103$6,477$5,132$4,035$3,152$1,479
22 years$7,653$6,046$4,730$3,669$2,825$1,268
23 years$7,243$5,655$4,367$3,342$2,536$1,088
24 years$6,868$5,298$4,039$3,048$2,280$934
25 years$6,523$4,972$3,741$2,783$2,051$803
26 years$6,205$4,673$3,470$2,545$1,848$690
27 years$5,911$4,398$3,222$2,329$1,666$594
28 years$5,639$4,144$2,995$2,134$1,503$511
29 years$5,386$3,909$2,787$1,957$1,357$440
30 years$5,150$3,692$2,596$1,796$1,226$379
31 years$4,930$3,490$2,420$1,650$1,109$326
32 years$4,724$3,302$2,258$1,516$1,003$281
33 years$4,531$3,127$2,109$1,394$908$242
34 years$4,350$2,964$1,970$1,283$822$209
35 years$4,179$2,811$1,842$1,181$744$180
36 years$4,018$2,668$1,723$1,088$674$155
37 years$3,867$2,534$1,613$1,002$611$134
38 years$3,723$2,409$1,510$924$554$115
39 years$3,587$2,290$1,415$852$503$99
40 years$3,459$2,179$1,326$785$456$86
41 years$3,337$2,074$1,244$725$414$74
42 years$3,221$1,975$1,167$669$375$64
43 years$3,111$1,882$1,095$617$341$55
44 years$3,006$1,794$1,027$570$309$47
45 years$2,906$1,711$965$526$281$41
46 years$2,811$1,632$906$486$255$35
47 years$2,720$1,558$851$449$231$30
48 years$2,633$1,487$800$415$210$26
49 years$2,550$1,420$752$384$191$23
50 years$2,470$1,356$707$355$173$20

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 $6,580 every year, while hoping to spend $46,666 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: 83/8/9 Blend
34$2,530,000$2,530,000$2,530,000$2,530,000
35$2,794,847$2,660,757$2,621,542$3,022,847
36$3,030,269$2,741,482$2,659,712$3,253,672
37$3,288,141$2,824,598$2,697,596$3,500,179
38$3,570,701$2,910,174$2,735,136$3,769,447
39$3,880,419$2,998,279$2,772,269$4,063,734
40$4,220,012$3,088,984$2,808,930$4,385,524
41$4,592,472$3,182,364$2,845,048$4,737,557
42$5,001,097$3,278,492$2,880,549$5,122,846
43$5,449,517$3,377,447$2,915,357$5,544,713
44$5,941,733$3,479,307$2,949,387$6,006,815
45$6,482,151$3,584,154$2,982,552$6,513,181
46$7,075,624$3,692,071$3,014,761$7,068,248
47$7,727,498$3,803,143$3,045,916$7,676,906
48$8,443,664$3,917,458$3,075,915$8,344,539
49$9,230,609$4,035,105$3,104,649$9,077,080
50$10,095,481$4,156,176$3,132,006$9,881,064
51$11,046,157$4,280,764$3,157,864$10,763,690
52$12,091,310$4,408,968$3,182,098$11,732,891
53$13,240,501$4,540,884$3,204,575$12,797,406
54$14,504,259$4,676,614$3,225,155$13,966,863
55$15,894,187$4,816,262$3,243,692$15,251,868
56$17,423,068$4,959,932$3,260,029$16,664,109
57$19,104,987$5,107,735$3,274,006$18,216,463
58$20,955,461$5,259,780$3,285,451$19,923,117
59$22,991,590$5,416,181$3,294,186$21,799,703
60$25,232,212$5,577,053$3,300,020$23,863,446
61$27,698,085$5,742,516$3,302,758$26,133,323
62$30,412,080$5,912,691$3,302,192$28,630,246
63$33,399,401$6,087,701$3,298,104$31,377,256
64$36,687,814$6,267,673$3,290,265$34,399,741
65$40,307,919$6,452,736$3,278,436$37,725,678
66$44,293,430$6,643,023$3,262,367$41,385,891
67$48,681,496$6,838,668$3,241,793$45,414,349
68$53,513,055$7,039,809$3,216,439$49,848,479
69$58,833,214$7,246,587$3,186,017$54,729,524
70$64,691,676$7,459,144$3,150,223$60,102,932
71$71,143,212$7,677,627$3,108,740$66,018,782
72$78,248,173$7,902,184$3,061,237$72,532,257
73$86,073,064$8,132,968$3,007,365$79,704,165
74$94,691,166$8,370,133$2,946,762$87,601,516
75$104,183,232$8,613,837$2,879,045$96,298,147
76$114,638,247$8,864,240$2,803,818$105,875,427
77$126,154,264$9,121,504$2,720,662$116,423,018
78$138,839,338$9,385,796$2,629,143$128,039,725
79$152,812,535$9,657,285$2,528,804$140,834,427
80$168,205,063$9,936,142$2,419,169$154,927,105
81$185,161,508$10,222,540$2,299,739$170,449,973
82$203,841,194$10,516,658$2,169,993$187,548,727
83$224,419,695$10,818,673$2,029,386$206,383,922
84$247,090,484$11,128,768$1,877,351$227,132,483
85$272,066,762$11,447,127$1,713,291$249,989,377
86$299,583,473$11,773,936$1,536,587$275,169,456
87$329,899,513$12,109,386$1,346,589$302,909,479
88$363,300,183$12,453,665$1,142,620$333,470,352
89$400,099,876$12,806,969$923,971$367,139,589
90$440,645,044$13,169,491$689,905$404,234,025
91$485,317,471$13,541,428$439,649$445,102,807
92$534,537,874$13,922,980$172,399$490,130,692
93$588,769,876$14,314,345$0$539,741,675
94$648,524,381$14,715,725$0$594,413,828
95$714,364,394$15,127,322$0$654,669,582
96$786,910,340$15,549,338$0$721,059,859
97$866,845,917$15,981,978$0$794,210,027
98$954,924,551$16,425,445$0$874,809,231
99$1,051,976,506$16,879,943$0$963,616,898
100$1,158,916,725$17,345,676$0$1,061,469,908