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%18.5%
1 years$209,751$207,882$206,060$204,280$202,543$195,590
2 years$103,837$101,903$100,029$98,212$96,449$89,515
3 years$68,537$66,595$64,725$62,925$61,191$54,494
4 years$50,891$48,954$47,103$45,334$43,642$37,232
5 years$40,305$38,381$36,554$34,821$33,176$27,071
6 years$33,251$31,341$29,541$27,847$26,251$20,456
7 years$28,214$26,320$24,549$22,894$21,349$15,862
8 years$24,438$22,561$20,819$19,205$17,711$12,528
9 years$21,503$19,643$17,932$16,359$14,915$10,030
10 years$19,156$17,315$15,633$14,101$12,709$8,113
11 years$17,237$15,414$13,763$12,272$10,930$6,615
12 years$15,639$13,835$12,215$10,765$9,472$5,427
13 years$14,288$12,503$10,913$9,503$8,259$4,475
14 years$13,131$11,365$9,805$8,436$7,240$3,705
15 years$12,129$10,382$8,853$7,524$6,375$3,077
16 years$11,253$9,525$8,026$6,737$5,634$2,563
17 years$10,481$8,772$7,304$6,053$4,996$2,139
18 years$9,796$8,106$6,667$5,455$4,442$1,789
19 years$9,183$7,513$6,104$4,929$3,959$1,498
20 years$8,633$6,981$5,602$4,464$3,536$1,256
21 years$8,135$6,503$5,152$4,051$3,165$1,054
22 years$7,683$6,070$4,749$3,684$2,837$886
23 years$7,272$5,677$4,385$3,355$2,546$744
24 years$6,895$5,319$4,055$3,060$2,289$626
25 years$6,549$4,992$3,756$2,794$2,059$527
26 years$6,229$4,691$3,483$2,555$1,855$444
27 years$5,934$4,415$3,235$2,339$1,673$374
28 years$5,661$4,160$3,007$2,143$1,509$315
29 years$5,407$3,925$2,798$1,965$1,363$265
30 years$5,170$3,707$2,606$1,803$1,231$224
31 years$4,949$3,504$2,430$1,656$1,113$189
32 years$4,743$3,315$2,267$1,522$1,007$159
33 years$4,549$3,140$2,117$1,400$911$134
34 years$4,367$2,976$1,978$1,288$825$113
35 years$4,195$2,822$1,849$1,185$747$95
36 years$4,034$2,679$1,730$1,092$677$80
37 years$3,882$2,544$1,619$1,006$614$68
38 years$3,738$2,418$1,516$927$556$57
39 years$3,602$2,299$1,421$855$505$48
40 years$3,473$2,188$1,331$789$458$41
41 years$3,350$2,082$1,248$728$415$34
42 years$3,234$1,983$1,171$671$377$29
43 years$3,123$1,890$1,099$620$342$24
44 years$3,018$1,801$1,032$572$310$21
45 years$2,918$1,718$969$529$282$17
46 years$2,822$1,639$910$488$256$15
47 years$2,731$1,564$855$451$232$12
48 years$2,643$1,493$803$417$211$10
49 years$2,560$1,425$755$385$192$9
50 years$2,480$1,362$710$356$174$7

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 $2,005 every year, while hoping to spend $39,258 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: 73/5/22 Blend
34$2,540,000$2,540,000$2,540,000$2,540,000
35$2,801,148$2,666,528$2,627,158$2,990,434
36$3,045,095$2,755,418$2,673,398$3,205,550
37$3,312,609$2,847,347$2,719,871$3,436,253
38$3,606,052$2,942,424$2,766,543$3,688,029
39$3,928,026$3,040,760$2,813,379$3,962,969
40$4,281,397$3,142,470$2,860,340$4,263,376
41$4,669,323$3,247,674$2,907,385$4,591,787
42$5,095,281$3,356,497$2,954,469$4,950,996
43$5,563,101$3,469,067$3,001,546$5,344,081
44$6,077,005$3,585,519$3,048,565$5,774,432
45$6,641,640$3,705,990$3,095,472$6,245,784
46$7,262,129$3,830,625$3,142,212$6,762,254
47$7,944,113$3,959,573$3,188,723$7,328,373
48$8,693,809$4,092,988$3,234,942$7,949,136
49$9,518,066$4,231,032$3,280,800$8,630,045
50$10,424,427$4,373,871$3,326,225$9,377,162
51$11,421,205$4,521,678$3,371,141$10,197,167
52$12,517,560$4,674,632$3,415,467$11,097,418
53$13,723,582$4,832,920$3,459,116$12,086,023
54$15,050,390$4,996,735$3,501,998$13,171,917
55$16,510,231$5,166,277$3,544,017$14,364,941
56$18,116,605$5,341,755$3,585,072$15,675,943
57$19,884,383$5,523,385$3,625,055$17,116,873
58$21,829,950$5,711,391$3,663,855$18,700,900
59$23,971,362$5,906,006$3,701,351$20,442,532
60$26,328,513$6,107,472$3,737,418$22,357,760
61$28,923,323$6,316,041$3,771,924$24,464,199
62$31,779,947$6,531,972$3,804,728$26,781,264
63$34,925,000$6,755,536$3,835,685$29,330,346
64$38,387,808$6,987,016$3,864,638$32,135,017
65$42,200,687$7,226,702$3,891,426$35,221,253
66$46,399,246$7,474,899$3,915,878$38,617,675
67$51,022,721$7,731,921$3,937,812$42,355,825
68$56,114,349$7,998,096$3,957,039$46,470,459
69$61,721,774$8,273,764$3,973,361$50,999,877
70$67,897,495$8,559,278$3,986,568$55,986,284
71$74,699,362$8,855,006$3,996,441$61,476,188
72$82,191,124$9,161,328$4,002,749$67,520,840
73$90,443,027$9,478,641$4,005,249$74,176,716
74$99,532,479$9,807,358$4,003,688$81,506,052
75$109,544,779$10,147,906$3,997,800$89,577,431
76$120,573,924$10,500,731$3,987,303$98,466,427
77$132,723,492$10,866,294$3,971,905$108,256,325
78$146,107,623$11,245,078$3,951,299$119,038,901
79$160,852,095$11,637,582$3,925,163$130,915,291
80$177,095,511$12,044,325$3,893,158$143,996,946
81$194,990,605$12,465,849$3,854,930$158,406,685
82$214,705,686$12,902,714$3,810,109$174,279,849
83$236,426,225$13,355,507$3,758,307$191,765,587
84$260,356,607$13,824,834$3,699,118$211,028,257
85$286,722,058$14,311,327$3,632,115$232,248,981
86$315,770,770$14,815,645$3,556,853$255,627,354
87$347,776,248$15,338,471$3,472,867$281,383,329
88$383,039,885$15,880,516$3,379,668$309,759,294
89$421,893,813$16,442,521$3,276,747$341,022,357
90$464,704,033$17,025,255$3,163,569$375,466,872
91$511,873,873$17,629,521$3,039,577$413,417,215
92$563,847,792$18,256,152$2,904,187$455,230,847
93$621,115,579$18,906,015$2,756,789$501,301,692
94$684,216,972$19,580,014$2,596,746$552,063,851
95$753,746,757$20,279,088$2,423,390$607,995,702
96$830,360,379$21,004,217$2,236,027$669,624,420
97$914,780,131$21,756,417$2,033,927$737,530,948
98$1,007,801,972$22,536,749$1,816,332$812,355,488
99$1,110,303,041$23,346,317$1,582,446$894,803,539
100$1,223,249,934$24,186,270$1,331,441$985,652,564