Can I retire at age 35 with 2,540,000?

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 $2,540,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$209,751$207,882$206,060$204,280$202,543$195,668
2 years$103,837$101,903$100,029$98,212$96,449$89,592
3 years$68,537$66,595$64,725$62,925$61,191$54,567
4 years$50,891$48,954$47,103$45,334$43,642$37,301
5 years$40,305$38,381$36,554$34,821$33,176$27,135
6 years$33,251$31,341$29,541$27,847$26,251$20,515
7 years$28,214$26,320$24,549$22,894$21,349$15,918
8 years$24,438$22,561$20,819$19,205$17,711$12,580
9 years$21,503$19,643$17,932$16,359$14,915$10,077
10 years$19,156$17,315$15,633$14,101$12,709$8,157
11 years$17,237$15,414$13,763$12,272$10,930$6,655
12 years$15,639$13,835$12,215$10,765$9,472$5,464
13 years$14,288$12,503$10,913$9,503$8,259$4,508
14 years$13,131$11,365$9,805$8,436$7,240$3,735
15 years$12,129$10,382$8,853$7,524$6,375$3,104
16 years$11,253$9,525$8,026$6,737$5,634$2,587
17 years$10,481$8,772$7,304$6,053$4,996$2,161
18 years$9,796$8,106$6,667$5,455$4,442$1,808
19 years$9,183$7,513$6,104$4,929$3,959$1,516
20 years$8,633$6,981$5,602$4,464$3,536$1,272
21 years$8,135$6,503$5,152$4,051$3,165$1,068
22 years$7,683$6,070$4,749$3,684$2,837$898
23 years$7,272$5,677$4,385$3,355$2,546$756
24 years$6,895$5,319$4,055$3,060$2,289$636
25 years$6,549$4,992$3,756$2,794$2,059$536
26 years$6,229$4,691$3,483$2,555$1,855$451
27 years$5,934$4,415$3,235$2,339$1,673$381
28 years$5,661$4,160$3,007$2,143$1,509$321
29 years$5,407$3,925$2,798$1,965$1,363$271
30 years$5,170$3,707$2,606$1,803$1,231$228
31 years$4,949$3,504$2,430$1,656$1,113$193
32 years$4,743$3,315$2,267$1,522$1,007$163
33 years$4,549$3,140$2,117$1,400$911$137
34 years$4,367$2,976$1,978$1,288$825$116
35 years$4,195$2,822$1,849$1,185$747$98
36 years$4,034$2,679$1,730$1,092$677$83
37 years$3,882$2,544$1,619$1,006$614$70
38 years$3,738$2,418$1,516$927$556$59
39 years$3,602$2,299$1,421$855$505$50
40 years$3,473$2,188$1,331$789$458$42
41 years$3,350$2,082$1,248$728$415$35
42 years$3,234$1,983$1,171$671$377$30
43 years$3,123$1,890$1,099$620$342$25
44 years$3,018$1,801$1,032$572$310$21
45 years$2,918$1,718$969$529$282$18
46 years$2,822$1,639$910$488$256$15
47 years$2,731$1,564$855$451$232$13
48 years$2,643$1,493$803$417$211$11
49 years$2,560$1,425$755$385$192$9
50 years$2,480$1,362$710$356$174$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,540,000, adding $6,169 every year, while hoping to spend $46,098 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: 67/28/5 Blend
34$2,540,000$2,540,000$2,540,000$2,540,000
35$2,805,443$2,670,823$2,631,453$2,991,293
36$3,042,551$2,752,646$2,670,559$3,197,052
37$3,302,298$2,836,932$2,709,430$3,415,729
38$3,586,946$2,923,756$2,748,009$3,653,524
39$3,898,984$3,013,189$2,786,237$3,912,296
40$4,241,154$3,105,309$2,824,050$4,194,087
41$4,616,476$3,200,194$2,861,380$4,501,148
42$5,028,277$3,297,924$2,898,157$4,835,954
43$5,480,221$3,398,582$2,934,305$5,201,231
44$5,976,344$3,502,253$2,969,744$5,599,981
45$6,521,091$3,609,023$3,004,391$6,035,506
46$7,119,360$3,718,983$3,038,155$6,511,445
47$7,776,545$3,832,223$3,070,944$7,031,803
48$8,498,590$3,948,840$3,102,658$7,600,991
49$9,292,042$4,068,929$3,133,193$8,223,866
50$10,164,114$4,192,590$3,162,439$8,905,779
51$11,122,752$4,319,925$3,190,279$9,652,619
52$12,176,711$4,451,040$3,216,591$10,470,876
53$13,335,637$4,586,042$3,241,248$11,367,696
54$14,610,155$4,725,041$3,264,113$12,350,951
55$16,011,973$4,868,151$3,285,044$13,429,312
56$17,553,992$5,015,488$3,303,890$14,612,329
57$19,250,425$5,167,172$3,320,496$15,910,524
58$21,116,930$5,323,325$3,334,694$17,335,487
59$23,170,761$5,484,073$3,346,311$18,899,984
60$25,430,931$5,649,544$3,355,164$20,618,081
61$27,918,385$5,819,871$3,361,062$22,505,274
62$30,656,205$5,995,190$3,363,802$24,578,633
63$33,669,823$6,175,639$3,363,174$26,856,966
64$36,987,260$6,361,360$3,358,955$29,360,993
65$40,639,393$6,552,500$3,350,913$32,113,544
66$44,660,246$6,749,207$3,338,804$35,139,770
67$49,087,309$6,951,636$3,322,372$38,467,384
68$53,961,892$7,159,943$3,301,348$42,126,919
69$59,329,513$7,374,289$3,275,452$46,152,017
70$65,240,333$7,594,838$3,244,389$50,579,746
71$71,749,621$7,821,759$3,207,850$55,450,948
72$78,918,282$8,055,225$3,165,512$60,810,626
73$86,813,427$8,295,412$3,117,038$66,708,366
74$95,509,010$8,542,501$3,062,072$73,198,805
75$105,086,522$8,796,676$3,000,245$80,342,147
76$115,635,762$9,058,128$2,931,167$88,204,730
77$127,255,682$9,327,048$2,854,433$96,859,651
78$140,055,323$9,603,635$2,769,618$106,387,456
79$154,154,844$9,888,091$2,676,279$116,876,899
80$169,686,653$10,180,623$2,573,949$128,425,781
81$186,796,660$10,481,441$2,462,144$141,141,868
82$205,645,649$10,790,762$2,340,356$155,143,913
83$226,410,800$11,108,804$2,208,053$170,562,772
84$249,287,359$11,435,794$2,064,681$187,542,642
85$274,490,482$11,771,959$1,909,659$206,242,416
86$302,257,261$12,117,535$1,742,382$226,837,190
87$332,848,967$12,472,760$1,562,218$249,519,906
88$366,553,513$12,837,876$1,368,504$274,503,182
89$403,688,172$13,213,133$1,160,549$302,021,310
90$444,602,572$13,598,783$937,634$332,332,471
91$489,681,994$13,995,083$699,005$365,721,173
92$539,351,011$14,402,296$443,875$402,500,930
93$594,077,494$14,820,688$171,424$443,017,227
94$654,377,027$15,250,530$0$487,650,777
95$720,817,777$15,692,099$0$536,827,482
96$794,025,854$16,145,676$0$591,013,466
97$874,691,221$16,611,544$0$650,709,087
98$963,574,210$17,089,994$0$716,475,812
99$1,061,512,694$17,581,319$0$788,932,363
100$1,169,430,003$18,085,818$0$868,760,560