Can I retire at age 35 with 2,550,000?

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 $2,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$210,577$208,701$206,871$205,085$203,341$200,219
2 years$104,246$102,304$100,423$98,598$96,829$93,692
3 years$68,807$66,857$64,980$63,173$61,432$58,377
4 years$51,091$49,147$47,289$45,513$43,814$40,864
5 years$40,464$38,532$36,698$34,958$33,307$30,471
6 years$33,382$31,464$29,658$27,956$26,354$23,636
7 years$28,325$26,424$24,646$22,984$21,433$18,832
8 years$24,534$22,650$20,901$19,281$17,781$15,298
9 years$21,587$19,721$18,002$16,423$14,974$12,607
10 years$19,231$17,383$15,695$14,157$12,759$10,506
11 years$17,305$15,475$13,818$12,321$10,973$8,833
12 years$15,701$13,889$12,263$10,807$9,509$7,478
13 years$14,344$12,552$10,956$9,541$8,292$6,368
14 years$13,183$11,409$9,844$8,469$7,269$5,448
15 years$12,177$10,423$8,888$7,553$6,400$4,680
16 years$11,297$9,563$8,058$6,763$5,656$4,033
17 years$10,522$8,807$7,332$6,077$5,015$3,485
18 years$9,834$8,138$6,694$5,476$4,459$3,019
19 years$9,219$7,542$6,128$4,948$3,975$2,621
20 years$8,667$7,009$5,624$4,482$3,550$2,279
21 years$8,167$6,528$5,173$4,067$3,177$1,984
22 years$7,714$6,094$4,767$3,698$2,848$1,730
23 years$7,300$5,699$4,402$3,368$2,556$1,510
24 years$6,922$5,340$4,071$3,072$2,298$1,319
25 years$6,574$5,011$3,771$2,805$2,068$1,154
26 years$6,254$4,710$3,497$2,565$1,862$1,010
27 years$5,958$4,433$3,247$2,348$1,679$884
28 years$5,683$4,177$3,019$2,151$1,515$775
29 years$5,428$3,940$2,809$1,973$1,368$679
30 years$5,191$3,721$2,617$1,810$1,236$595
31 years$4,969$3,518$2,439$1,663$1,118$522
32 years$4,761$3,328$2,276$1,528$1,011$458
33 years$4,567$3,152$2,125$1,405$915$402
34 years$4,384$2,988$1,986$1,293$828$353
35 years$4,212$2,834$1,856$1,190$750$310
36 years$4,050$2,690$1,737$1,096$680$272
37 years$3,897$2,554$1,625$1,010$616$239
38 years$3,753$2,428$1,522$931$559$210
39 years$3,616$2,308$1,426$858$507$185
40 years$3,486$2,196$1,337$792$459$162
41 years$3,363$2,091$1,253$730$417$143
42 years$3,247$1,991$1,176$674$378$125
43 years$3,135$1,897$1,103$622$343$110
44 years$3,030$1,808$1,036$575$312$97
45 years$2,929$1,724$972$531$283$85
46 years$2,833$1,645$913$490$257$75
47 years$2,741$1,570$858$453$233$66
48 years$2,654$1,499$806$418$212$58
49 years$2,570$1,431$758$387$192$51
50 years$2,490$1,367$713$357$175$45

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,550,000, adding $6,640 every year, while hoping to spend $53,637 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: 78/9/13 Blend
34$2,550,000$2,550,000$2,550,000$2,550,000
35$2,816,949$2,681,799$2,642,274$3,028,923
36$3,047,209$2,756,138$2,673,721$3,243,734
37$3,299,157$2,832,322$2,704,424$3,471,775
38$3,574,950$2,910,384$2,734,300$3,720,383
39$3,876,960$2,990,359$2,763,265$3,991,590
40$4,207,803$3,072,279$2,791,228$4,287,635
41$4,570,357$3,156,179$2,818,092$4,610,982
42$4,967,792$3,242,090$2,843,756$4,964,345
43$5,403,600$3,330,046$2,868,116$5,350,717
44$5,881,627$3,420,078$2,891,057$5,773,389
45$6,406,109$3,512,217$2,912,463$6,235,991
46$6,981,711$3,606,495$2,932,210$6,742,519
47$7,613,573$3,702,942$2,950,167$7,297,378
48$8,307,357$3,801,585$2,966,197$7,905,416
49$9,069,299$3,902,454$2,980,156$8,571,980
50$9,906,268$4,005,575$2,991,892$9,302,955
51$10,825,833$4,110,974$3,001,246$10,104,829
52$11,836,331$4,218,675$3,008,050$10,984,748
53$12,946,947$4,328,700$3,012,131$11,950,585
54$14,167,800$4,441,071$3,013,302$13,011,017
55$15,510,039$4,555,806$3,011,370$14,175,602
56$16,985,945$4,672,923$3,006,133$15,454,872
57$18,609,052$4,792,436$2,997,379$16,860,431
58$20,394,266$4,914,357$2,984,882$18,405,067
59$22,358,017$5,038,696$2,968,411$20,102,868
60$24,518,401$5,165,458$2,947,719$21,969,359
61$26,895,360$5,294,648$2,922,550$24,021,647
62$29,510,865$5,426,264$2,892,634$26,278,583
63$32,389,126$5,560,304$2,857,690$28,760,936
64$35,556,816$5,696,758$2,817,422$31,491,595
65$39,043,326$5,835,614$2,771,520$34,495,780
66$42,881,042$5,976,855$2,719,662$37,801,285
67$47,105,646$6,120,459$2,661,509$41,438,733
68$51,756,458$6,266,398$2,596,706$45,441,871
69$56,876,804$6,414,638$2,524,882$49,847,889
70$62,514,421$6,565,139$2,445,650$54,697,765
71$68,721,916$6,717,854$2,358,602$60,036,658
72$75,557,252$6,872,730$2,263,316$65,914,329
73$83,084,302$7,029,704$2,159,348$72,385,617
74$91,373,448$7,188,707$2,046,233$79,510,949
75$100,502,245$7,349,659$1,923,487$87,356,918
76$110,556,154$7,512,472$1,790,603$95,996,905
77$121,629,345$7,677,047$1,647,053$105,511,777
78$133,825,591$7,843,274$1,492,281$115,990,648
79$147,259,241$8,011,034$1,325,712$127,531,718
80$162,056,301$8,180,192$1,146,741$140,243,206
81$178,355,624$8,350,602$954,738$154,244,366
82$196,310,221$8,522,105$749,044$169,666,616
83$216,088,699$8,694,524$528,973$186,654,776
84$237,876,860$8,867,669$293,807$205,368,441
85$261,879,447$9,041,332$42,797$225,983,479
86$288,322,081$9,215,287$0$248,693,700
87$317,453,388$9,389,291$0$273,743,901
88$349,547,345$9,563,079$0$301,346,589
89$384,905,869$9,736,364$0$331,755,305
90$423,861,659$9,908,837$0$365,256,000
91$466,781,345$10,080,167$0$402,163,779
92$514,068,941$10,249,994$0$442,825,883
93$566,169,664$10,417,934$0$487,624,965
94$623,574,129$10,583,572$0$536,982,700
95$686,822,987$10,746,464$0$591,363,767
96$756,512,024$10,906,133$0$651,280,234
97$833,297,785$11,062,069$0$717,296,393
98$917,903,772$11,213,723$0$790,034,084
99$1,011,127,272$11,360,511$0$870,178,568
100$1,113,846,885$11,501,808$0$958,484,995