Can I retire at age 35 with 2,560,000?

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 $2,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$211,402$209,519$207,682$205,889$204,138$196,660
2 years$104,655$102,706$100,817$98,985$97,209$89,758
3 years$69,077$67,119$65,235$63,421$61,673$54,484
4 years$51,291$49,340$47,474$45,691$43,986$37,113
5 years$40,623$38,683$36,842$35,095$33,437$26,899
6 years$33,513$31,588$29,774$28,066$26,458$20,259
7 years$28,436$26,527$24,742$23,074$21,517$15,656
8 years$24,630$22,739$20,983$19,357$17,851$12,322
9 years$21,672$19,798$18,073$16,488$15,033$9,828
10 years$19,307$17,451$15,756$14,212$12,809$7,920
11 years$17,373$15,536$13,872$12,369$11,016$6,432
12 years$15,762$13,944$12,311$10,849$9,546$5,256
13 years$14,400$12,601$10,999$9,578$8,324$4,317
14 years$13,234$11,454$9,883$8,503$7,297$3,559
15 years$12,224$10,464$8,923$7,583$6,425$2,943
16 years$11,342$9,600$8,090$6,790$5,678$2,441
17 years$10,564$8,841$7,361$6,100$5,035$2,028
18 years$9,873$8,170$6,720$5,498$4,477$1,688
19 years$9,256$7,572$6,152$4,968$3,990$1,407
20 years$8,701$7,036$5,646$4,499$3,564$1,175
21 years$8,199$6,554$5,193$4,083$3,190$981
22 years$7,744$6,118$4,786$3,713$2,859$820
23 years$7,329$5,722$4,419$3,381$2,566$687
24 years$6,949$5,361$4,087$3,084$2,307$575
25 years$6,600$5,031$3,785$2,816$2,076$481
26 years$6,278$4,728$3,511$2,575$1,870$403
27 years$5,981$4,450$3,260$2,357$1,686$338
28 years$5,706$4,193$3,031$2,160$1,521$283
29 years$5,450$3,956$2,820$1,980$1,373$238
30 years$5,211$3,736$2,627$1,817$1,241$199
31 years$4,988$3,532$2,449$1,669$1,122$167
32 years$4,780$3,342$2,285$1,534$1,015$140
33 years$4,585$3,164$2,134$1,411$918$118
34 years$4,401$2,999$1,993$1,298$832$99
35 years$4,229$2,845$1,864$1,195$753$83
36 years$4,066$2,700$1,743$1,100$682$70
37 years$3,912$2,564$1,632$1,014$619$58
38 years$3,767$2,437$1,528$935$561$49
39 years$3,630$2,317$1,432$862$509$41
40 years$3,500$2,205$1,342$795$461$35
41 years$3,376$2,099$1,258$733$418$29
42 years$3,259$1,999$1,180$677$380$24
43 years$3,148$1,905$1,108$625$345$20
44 years$3,042$1,815$1,040$577$313$17
45 years$2,941$1,731$976$533$284$14
46 years$2,844$1,651$917$492$258$12
47 years$2,752$1,576$861$455$234$10
48 years$2,664$1,504$809$420$213$9
49 years$2,580$1,437$761$388$193$7
50 years$2,499$1,372$715$359$175$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,560,000, adding $6,321 every year, while hoping to spend $32,737 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: 75/19/6 Blend
34$2,560,000$2,560,000$2,560,000$2,560,000
35$2,827,640$2,691,960$2,652,280$3,037,474
36$3,081,227$2,789,034$2,706,300$3,273,394
37$3,359,584$2,889,768$2,761,031$3,527,022
38$3,665,200$2,994,306$2,816,465$3,803,987
39$4,000,822$3,102,798$2,872,588$4,106,585
40$4,369,474$3,215,403$2,929,388$4,437,346
41$4,774,485$3,332,283$2,986,848$4,799,056
42$5,219,527$3,453,609$3,044,951$5,194,780
43$5,708,641$3,579,558$3,103,679$5,627,894
44$6,246,282$3,710,316$3,163,012$6,102,114
45$6,837,356$3,846,074$3,222,926$6,621,533
46$7,487,269$3,987,035$3,283,397$7,190,658
47$8,201,977$4,133,406$3,344,397$7,814,452
48$8,988,041$4,285,406$3,405,897$8,498,378
49$9,852,693$4,443,262$3,467,866$9,248,458
50$10,803,897$4,607,211$3,530,269$10,071,318
51$11,850,430$4,777,500$3,593,068$10,974,261
52$13,001,962$4,954,386$3,656,224$11,965,327
53$14,269,148$5,138,137$3,719,694$13,053,374
54$15,663,728$5,329,033$3,783,431$14,248,157
55$17,198,638$5,527,365$3,847,385$15,560,424
56$18,888,131$5,733,437$3,911,505$17,002,012
57$20,747,912$5,947,567$3,975,732$18,585,961
58$22,795,286$6,170,085$4,040,006$20,326,636
59$25,049,322$6,401,336$4,104,262$22,239,862
60$27,531,030$6,641,679$4,168,432$24,343,073
61$30,263,562$6,891,488$4,232,442$26,655,473
62$33,272,431$7,151,156$4,296,214$29,198,221
63$36,585,746$7,421,091$4,359,665$31,994,627
64$40,234,485$7,701,717$4,422,707$35,070,373
65$44,252,781$7,993,479$4,485,245$38,453,753
66$48,678,245$8,296,841$4,547,182$42,175,940
67$53,552,325$8,612,285$4,608,412$46,271,279
68$58,920,692$8,940,316$4,668,823$50,777,612
69$64,833,671$9,281,461$4,728,297$55,736,632
70$71,346,722$9,636,268$4,786,711$61,194,275
71$78,520,954$10,005,311$4,843,932$67,201,156
72$86,423,709$10,389,189$4,899,822$73,813,045
73$95,129,194$10,788,526$4,954,232$81,091,388
74$104,719,181$11,203,974$5,007,009$89,103,892
75$115,283,782$11,636,213$5,057,988$97,925,159
76$126,922,295$12,085,954$5,106,997$107,637,389
77$139,744,142$12,553,939$5,153,855$118,331,159
78$153,869,904$13,040,942$5,198,369$130,106,270
79$169,432,458$13,547,772$5,240,338$143,072,694
80$186,578,228$14,075,272$5,279,549$157,351,607
81$205,468,573$14,624,326$5,315,779$173,076,532
82$226,281,303$15,195,853$5,348,793$190,394,600
83$249,212,361$15,790,815$5,378,343$209,467,936
84$274,477,674$16,410,218$5,404,170$230,475,186
85$302,315,187$17,055,108$5,426,000$253,613,204
86$332,987,111$17,726,584$5,443,546$279,098,909
87$366,782,399$18,425,789$5,456,507$307,171,331
88$404,019,469$19,153,918$5,464,566$338,093,862
89$445,049,217$19,912,222$5,467,390$372,156,744
90$490,258,322$20,702,005$5,464,632$409,679,808
91$540,072,898$21,524,632$5,455,926$451,015,488
92$594,962,521$22,381,526$5,440,886$496,552,147
93$655,444,655$23,274,177$5,419,112$546,717,741
94$722,089,538$24,204,140$5,390,181$601,983,859
95$795,525,570$25,173,042$5,353,651$662,870,168
96$876,445,238$26,182,581$5,309,059$729,949,321
97$965,611,659$27,234,534$5,255,918$803,852,356
98$1,063,865,778$28,330,756$5,193,721$885,274,656
99$1,172,134,311$29,473,187$5,121,935$974,982,504
100$1,291,438,493$30,663,855$5,040,002$1,073,820,322