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%17.1%
1 years$208,925$207,064$205,248$203,476$201,746$195,916
2 years$103,428$101,502$99,635$97,825$96,069$90,242
3 years$68,267$66,333$64,471$62,677$60,950$55,308
4 years$50,690$48,762$46,918$45,156$43,470$38,057
5 years$40,147$38,230$36,410$34,684$33,045$27,875
6 years$33,120$31,217$29,425$27,737$26,148$21,226
7 years$28,103$26,216$24,452$22,804$21,265$16,591
8 years$24,342$22,472$20,737$19,130$17,641$13,213
9 years$21,418$19,566$17,861$16,294$14,857$10,669
10 years$19,080$17,247$15,572$14,046$12,659$8,706
11 years$17,169$15,354$13,709$12,224$10,887$7,163
12 years$15,577$13,781$12,167$10,722$9,434$5,932
13 years$14,232$12,454$10,870$9,466$8,227$4,938
14 years$13,079$11,320$9,767$8,403$7,212$4,128
15 years$12,081$10,341$8,818$7,494$6,350$3,463
16 years$11,209$9,488$7,995$6,710$5,612$2,913
17 years$10,440$8,738$7,275$6,029$4,976$2,457
18 years$9,757$8,074$6,641$5,433$4,424$2,076
19 years$9,147$7,483$6,080$4,909$3,943$1,757
20 years$8,599$6,954$5,580$4,446$3,522$1,489
21 years$8,103$6,477$5,132$4,035$3,152$1,263
22 years$7,653$6,046$4,730$3,669$2,825$1,073
23 years$7,243$5,655$4,367$3,342$2,536$912
24 years$6,868$5,298$4,039$3,048$2,280$776
25 years$6,523$4,972$3,741$2,783$2,051$660
26 years$6,205$4,673$3,470$2,545$1,848$562
27 years$5,911$4,398$3,222$2,329$1,666$479
28 years$5,639$4,144$2,995$2,134$1,503$408
29 years$5,386$3,909$2,787$1,957$1,357$348
30 years$5,150$3,692$2,596$1,796$1,226$297
31 years$4,930$3,490$2,420$1,650$1,109$253
32 years$4,724$3,302$2,258$1,516$1,003$216
33 years$4,531$3,127$2,109$1,394$908$184
34 years$4,350$2,964$1,970$1,283$822$157
35 years$4,179$2,811$1,842$1,181$744$134
36 years$4,018$2,668$1,723$1,088$674$114
37 years$3,867$2,534$1,613$1,002$611$98
38 years$3,723$2,409$1,510$924$554$83
39 years$3,587$2,290$1,415$852$503$71
40 years$3,459$2,179$1,326$785$456$61
41 years$3,337$2,074$1,244$725$414$52
42 years$3,221$1,975$1,167$669$375$44
43 years$3,111$1,882$1,095$617$341$38
44 years$3,006$1,794$1,027$570$309$32
45 years$2,906$1,711$965$526$281$28
46 years$2,811$1,632$906$486$255$24
47 years$2,720$1,558$851$449$231$20
48 years$2,633$1,487$800$415$210$17
49 years$2,550$1,420$752$384$191$15
50 years$2,470$1,356$707$355$173$13

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 $4,987 every year, while hoping to spend $31,507 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: 44/26/30 Blend
34$2,530,000$2,530,000$2,530,000$2,530,000
35$2,793,204$2,659,114$2,619,899$2,891,567
36$3,044,588$2,755,887$2,674,143$3,059,287
37$3,320,556$2,856,347$2,729,147$3,237,623
38$3,623,585$2,960,639$2,784,905$3,430,362
39$3,956,398$3,068,919$2,841,407$3,638,863
40$4,322,000$3,181,345$2,898,644$3,864,624
41$4,723,698$3,298,084$2,956,602$4,109,290
42$5,165,135$3,419,311$3,015,268$4,374,670
43$5,650,328$3,545,206$3,074,629$4,662,757
44$6,183,698$3,675,957$3,134,665$4,975,742
45$6,770,118$3,811,762$3,195,360$5,316,035
46$7,414,957$3,952,826$3,256,691$5,686,289
47$8,124,130$4,099,362$3,318,638$6,089,423
48$8,904,154$4,251,592$3,381,174$6,528,650
49$9,762,207$4,409,750$3,444,273$7,007,506
50$10,706,202$4,574,077$3,507,906$7,529,885
51$11,744,854$4,744,827$3,572,040$8,100,072
52$12,887,766$4,922,261$3,636,641$8,722,784
53$14,145,522$5,106,655$3,701,672$9,403,217
54$15,529,780$5,298,295$3,767,092$10,147,088
55$17,053,386$5,497,481$3,832,859$10,960,696
56$18,730,497$5,704,523$3,898,925$11,850,974
57$20,576,709$5,919,746$3,965,240$12,825,560
58$22,609,209$6,143,490$4,031,752$13,892,862
59$24,846,936$6,376,108$4,098,403$15,062,141
60$27,310,756$6,617,969$4,165,132$16,343,599
61$30,023,662$6,869,459$4,231,873$17,748,467
62$33,010,992$7,130,979$4,298,557$19,289,121
63$36,300,664$7,402,948$4,365,110$20,979,189
64$39,923,443$7,685,804$4,431,453$22,833,683
65$43,913,230$7,980,003$4,497,501$24,869,139
66$48,307,378$8,286,023$4,563,167$27,103,773
67$53,147,053$8,604,360$4,628,355$29,557,651
68$58,477,612$8,935,533$4,692,965$32,252,876
69$64,349,039$9,280,085$4,756,890$35,213,799
70$70,816,414$9,638,582$4,820,018$38,467,248
71$77,940,429$10,011,614$4,882,230$42,042,775
72$85,787,968$10,399,798$4,943,399$45,972,940
73$94,432,730$10,803,777$5,003,393$50,293,613
74$103,955,931$11,224,225$5,062,069$55,044,313
75$114,447,067$11,661,843$5,119,280$60,268,582
76$126,004,760$12,117,365$5,174,867$66,014,389
77$138,737,686$12,591,557$5,228,666$72,334,589
78$152,765,604$13,085,217$5,280,501$79,287,413
79$168,220,486$13,599,183$5,330,187$86,937,023
80$185,247,758$14,134,325$5,377,531$95,354,111
81$204,007,678$14,691,556$5,422,327$104,616,570
82$224,676,847$15,271,828$5,464,361$114,810,221
83$247,449,873$15,876,135$5,503,405$126,029,628
84$272,541,211$16,505,517$5,539,220$138,378,985
85$300,187,187$17,161,060$5,571,556$151,973,101
86$330,648,226$17,843,897$5,600,148$166,938,478
87$364,211,311$18,555,215$5,624,720$183,414,507
88$401,192,696$19,296,251$5,644,979$201,554,780
89$441,940,885$20,068,302$5,660,620$221,528,539
90$486,839,925$20,872,718$5,671,320$243,522,269
91$536,313,031$21,710,914$5,676,743$267,741,461
92$590,826,579$22,584,369$5,676,533$294,412,545
93$650,894,513$23,494,625$5,670,320$323,785,027
94$717,083,190$24,443,299$5,657,712$356,133,843
95$790,016,731$25,432,076$5,638,301$391,761,951
96$870,382,912$26,462,722$5,611,658$431,003,188
97$958,939,654$27,537,080$5,577,334$474,225,419
98$1,056,522,180$28,657,079$5,534,857$521,834,007
99$1,164,050,901$29,824,735$5,483,733$574,275,637
100$1,282,540,101$31,042,154$5,423,446$632,042,532