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

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 $2,540,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$209,751$207,882$206,060$204,280$202,543$198,292
2 years$103,837$101,903$100,029$98,212$96,449$92,186
3 years$68,537$66,595$64,725$62,925$61,191$57,049
4 years$50,891$48,954$47,103$45,334$43,642$39,653
5 years$40,305$38,381$36,554$34,821$33,176$29,352
6 years$33,251$31,341$29,541$27,847$26,251$22,595
7 years$28,214$26,320$24,549$22,894$21,349$17,862
8 years$24,438$22,561$20,819$19,205$17,711$14,393
9 years$21,503$19,643$17,932$16,359$14,915$11,763
10 years$19,156$17,315$15,633$14,101$12,709$9,719
11 years$17,237$15,414$13,763$12,272$10,930$8,099
12 years$15,639$13,835$12,215$10,765$9,472$6,795
13 years$14,288$12,503$10,913$9,503$8,259$5,733
14 years$13,131$11,365$9,805$8,436$7,240$4,859
15 years$12,129$10,382$8,853$7,524$6,375$4,133
16 years$11,253$9,525$8,026$6,737$5,634$3,527
17 years$10,481$8,772$7,304$6,053$4,996$3,018
18 years$9,796$8,106$6,667$5,455$4,442$2,588
19 years$9,183$7,513$6,104$4,929$3,959$2,223
20 years$8,633$6,981$5,602$4,464$3,536$1,913
21 years$8,135$6,503$5,152$4,051$3,165$1,648
22 years$7,683$6,070$4,749$3,684$2,837$1,422
23 years$7,272$5,677$4,385$3,355$2,546$1,227
24 years$6,895$5,319$4,055$3,060$2,289$1,061
25 years$6,549$4,992$3,756$2,794$2,059$917
26 years$6,229$4,691$3,483$2,555$1,855$794
27 years$5,934$4,415$3,235$2,339$1,673$687
28 years$5,661$4,160$3,007$2,143$1,509$595
29 years$5,407$3,925$2,798$1,965$1,363$516
30 years$5,170$3,707$2,606$1,803$1,231$447
31 years$4,949$3,504$2,430$1,656$1,113$388
32 years$4,743$3,315$2,267$1,522$1,007$336
33 years$4,549$3,140$2,117$1,400$911$292
34 years$4,367$2,976$1,978$1,288$825$253
35 years$4,195$2,822$1,849$1,185$747$220
36 years$4,034$2,679$1,730$1,092$677$191
37 years$3,882$2,544$1,619$1,006$614$166
38 years$3,738$2,418$1,516$927$556$144
39 years$3,602$2,299$1,421$855$505$125
40 years$3,473$2,188$1,331$789$458$108
41 years$3,350$2,082$1,248$728$415$94
42 years$3,234$1,983$1,171$671$377$82
43 years$3,123$1,890$1,099$620$342$71
44 years$3,018$1,801$1,032$572$310$62
45 years$2,918$1,718$969$529$282$54
46 years$2,822$1,639$910$488$256$47
47 years$2,731$1,564$855$451$232$40
48 years$2,643$1,493$803$417$211$35
49 years$2,560$1,425$755$385$192$30
50 years$2,480$1,362$710$356$174$26

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 $5,788 every year, while hoping to spend $27,475 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: 59/12/29 Blend
34$2,540,000$2,540,000$2,540,000$2,540,000
35$2,805,050$2,670,430$2,631,060$2,948,057
36$3,061,932$2,772,048$2,689,968$3,148,191
37$3,344,095$2,877,725$2,749,928$3,362,991
38$3,654,089$2,987,629$2,810,946$3,596,738
39$3,994,723$3,101,939$2,873,029$3,851,282
40$4,369,090$3,220,840$2,936,181$4,128,660
41$4,780,600$3,344,524$3,000,407$4,431,113
42$5,233,010$3,473,194$3,065,708$4,761,111
43$5,730,455$3,607,059$3,132,088$5,121,370
44$6,277,496$3,746,340$3,199,548$5,514,883
45$6,879,156$3,891,265$3,268,087$5,944,945
46$7,540,967$4,042,074$3,337,705$6,415,183
47$8,269,027$4,199,017$3,408,400$6,929,592
48$9,070,053$4,362,355$3,480,167$7,492,573
49$9,951,449$4,532,361$3,553,003$8,108,970
50$10,921,369$4,709,319$3,626,901$8,784,121
51$11,988,799$4,893,526$3,701,853$9,523,903
52$13,163,641$5,085,293$3,777,849$10,334,789
53$14,456,804$5,284,944$3,854,879$11,223,912
54$15,880,310$5,492,818$3,932,929$12,199,125
55$17,447,404$5,709,268$4,011,984$13,269,081
56$19,172,681$5,934,665$4,092,028$14,443,310
57$21,072,225$6,169,393$4,173,041$15,732,314
58$23,163,755$6,413,857$4,255,002$17,147,657
59$25,466,800$6,668,478$4,337,886$18,702,083
60$28,002,877$6,933,697$4,421,668$20,409,627
61$30,795,695$7,209,972$4,506,318$22,285,757
62$33,871,380$7,497,786$4,591,805$24,347,510
63$37,258,724$7,797,640$4,678,093$26,613,656
64$40,989,449$8,110,059$4,765,144$29,104,878
65$45,098,513$8,435,592$4,852,917$31,843,961
66$49,624,438$8,774,813$4,941,367$34,856,009
67$54,609,673$9,128,321$5,030,444$38,168,683
68$60,100,993$9,496,743$5,120,098$41,812,460
69$66,149,944$9,880,733$5,210,271$45,820,918
70$72,813,325$10,280,975$5,300,902$50,231,055
71$80,153,728$10,698,187$5,391,925$55,083,638
72$88,240,125$11,133,115$5,483,272$60,423,585
73$97,148,522$11,586,542$5,574,866$66,300,390
74$106,962,675$12,059,286$5,666,628$72,768,587
75$117,774,879$12,552,203$5,758,471$79,888,268
76$129,686,842$13,066,185$5,850,305$87,725,645
77$142,810,640$13,602,169$5,942,030$96,353,679
78$157,269,782$14,161,132$6,033,545$105,852,763
79$173,200,369$14,744,096$6,124,738$116,311,484
80$190,752,381$15,352,131$6,215,491$127,827,456
81$210,091,094$15,986,356$6,305,680$140,508,241
82$231,398,638$16,647,940$6,395,173$154,472,364
83$254,875,716$17,338,106$6,483,828$169,850,431
84$280,743,501$18,058,135$6,571,498$186,786,360
85$309,245,719$18,809,364$6,658,024$205,438,739
86$340,650,954$19,593,195$6,743,240$225,982,323
87$375,255,182$20,411,092$6,826,969$248,609,680
88$413,384,562$21,264,587$6,909,024$273,533,011
89$455,398,520$22,155,285$6,989,209$300,986,150
90$501,693,137$23,084,861$7,067,315$331,226,770
91$552,704,889$24,055,072$7,143,123$364,538,814
92$608,914,771$25,067,753$7,216,400$401,235,178
93$670,852,831$26,124,826$7,286,903$441,660,657
94$739,103,178$27,228,302$7,354,373$486,195,204
95$814,309,497$28,380,283$7,418,539$535,257,513
96$897,181,121$29,582,973$7,479,115$589,308,971
97$988,499,731$30,838,673$7,535,801$648,858,010
98$1,089,126,732$32,149,797$7,588,278$714,464,908
99$1,200,011,387$33,518,866$7,636,215$786,747,077
100$1,322,199,781$34,948,522$7,679,260$866,384,885