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

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 $2,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$211,402$209,519$207,682$205,889$204,138$201,922
2 years$104,655$102,706$100,817$98,985$97,209$94,977
3 years$69,077$67,119$65,235$63,421$61,673$59,496
4 years$51,291$49,340$47,474$45,691$43,986$41,879
5 years$40,623$38,683$36,842$35,095$33,437$31,408
6 years$33,513$31,588$29,774$28,066$26,458$24,508
7 years$28,436$26,527$24,742$23,074$21,517$19,648
8 years$24,630$22,739$20,983$19,357$17,851$16,061
9 years$21,672$19,798$18,073$16,488$15,033$13,323
10 years$19,307$17,451$15,756$14,212$12,809$11,177
11 years$17,373$15,536$13,872$12,369$11,016$9,461
12 years$15,762$13,944$12,311$10,849$9,546$8,067
13 years$14,400$12,601$10,999$9,578$8,324$6,919
14 years$13,234$11,454$9,883$8,503$7,297$5,963
15 years$12,224$10,464$8,923$7,583$6,425$5,160
16 years$11,342$9,600$8,090$6,790$5,678$4,481
17 years$10,564$8,841$7,361$6,100$5,035$3,903
18 years$9,873$8,170$6,720$5,498$4,477$3,408
19 years$9,256$7,572$6,152$4,968$3,990$2,982
20 years$8,701$7,036$5,646$4,499$3,564$2,614
21 years$8,199$6,554$5,193$4,083$3,190$2,295
22 years$7,744$6,118$4,786$3,713$2,859$2,018
23 years$7,329$5,722$4,419$3,381$2,566$1,776
24 years$6,949$5,361$4,087$3,084$2,307$1,565
25 years$6,600$5,031$3,785$2,816$2,076$1,381
26 years$6,278$4,728$3,511$2,575$1,870$1,219
27 years$5,981$4,450$3,260$2,357$1,686$1,077
28 years$5,706$4,193$3,031$2,160$1,521$952
29 years$5,450$3,956$2,820$1,980$1,373$842
30 years$5,211$3,736$2,627$1,817$1,241$745
31 years$4,988$3,532$2,449$1,669$1,122$659
32 years$4,780$3,342$2,285$1,534$1,015$584
33 years$4,585$3,164$2,134$1,411$918$517
34 years$4,401$2,999$1,993$1,298$832$458
35 years$4,229$2,845$1,864$1,195$753$406
36 years$4,066$2,700$1,743$1,100$682$360
37 years$3,912$2,564$1,632$1,014$619$319
38 years$3,767$2,437$1,528$935$561$283
39 years$3,630$2,317$1,432$862$509$251
40 years$3,500$2,205$1,342$795$461$223
41 years$3,376$2,099$1,258$733$418$198
42 years$3,259$1,999$1,180$677$380$175
43 years$3,148$1,905$1,108$625$345$156
44 years$3,042$1,815$1,040$577$313$138
45 years$2,941$1,731$976$533$284$123
46 years$2,844$1,651$917$492$258$109
47 years$2,752$1,576$861$455$234$97
48 years$2,664$1,504$809$420$213$86
49 years$2,580$1,437$761$388$193$76
50 years$2,499$1,372$715$359$175$68

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 $5,929 every year, while hoping to spend $22,856 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: 42/41/17 Blend
34$2,560,000$2,560,000$2,560,000$2,560,000
35$2,827,236$2,691,556$2,651,876$2,931,671
36$3,091,295$2,799,123$2,716,395$3,113,576
37$3,381,523$2,911,196$2,782,310$3,307,739
38$3,700,563$3,027,970$2,849,642$3,517,512
39$4,051,331$3,149,650$2,918,415$3,744,334
40$4,437,036$3,276,452$2,988,652$3,989,788
41$4,861,216$3,408,601$3,060,374$4,255,611
42$5,327,767$3,546,330$3,133,604$4,543,714
43$5,840,985$3,689,885$3,208,364$4,856,191
44$6,405,598$3,839,523$3,284,678$5,195,348
45$7,026,821$3,995,511$3,362,566$5,563,715
46$7,710,395$4,158,129$3,442,051$5,964,076
47$8,462,650$4,327,672$3,523,154$6,399,489
48$9,290,557$4,504,444$3,605,896$6,873,317
49$10,201,799$4,688,768$3,690,299$7,389,257
50$11,204,841$4,880,976$3,776,382$7,951,375
51$12,309,011$5,081,420$3,864,168$8,564,143
52$13,524,586$5,290,466$3,953,674$9,232,478
53$14,862,893$5,508,497$4,044,920$9,961,790
54$16,336,408$5,735,914$4,137,925$10,758,032
55$17,958,883$5,973,135$4,232,707$11,627,749
56$19,745,470$6,220,600$4,329,284$12,578,148
57$21,712,864$6,478,766$4,427,671$13,617,155
58$23,879,464$6,748,112$4,527,885$14,753,495
59$26,265,540$7,029,141$4,629,941$15,996,769
60$28,893,434$7,322,377$4,733,852$17,357,545
61$31,787,760$7,628,369$4,839,632$18,847,455
62$34,975,643$7,947,692$4,947,292$20,479,302
63$38,486,976$8,280,945$5,056,843$22,267,181
64$42,354,694$8,628,758$5,168,294$24,226,610
65$46,615,094$8,991,789$5,281,653$26,374,671
66$51,308,172$9,370,725$5,396,927$28,730,174
67$56,478,001$9,766,286$5,514,119$31,313,828
68$62,173,150$10,179,227$5,633,235$34,148,438
69$68,447,137$10,610,335$5,754,274$37,259,113
70$75,358,939$11,060,435$5,877,236$40,673,505
71$82,973,546$11,530,392$6,002,119$44,422,066
72$91,362,575$12,021,108$6,128,917$48,538,329
73$100,604,945$12,533,529$6,257,623$53,059,229
74$110,787,623$13,068,646$6,388,227$58,025,440
75$122,006,446$13,627,495$6,520,718$63,481,764
76$134,367,020$14,211,159$6,655,079$69,477,543
77$147,985,724$14,820,774$6,791,292$76,067,128
78$162,990,805$15,457,529$6,929,337$83,310,382
79$179,523,585$16,122,666$7,069,188$91,273,247
80$197,739,802$16,817,488$7,210,817$100,028,360
81$217,811,075$17,543,358$7,354,193$109,655,734
82$239,926,525$18,301,702$7,499,278$120,243,508
83$264,294,560$19,094,016$7,646,034$131,888,778
84$291,144,844$19,921,861$7,794,415$144,698,508
85$320,730,463$20,786,877$7,944,372$158,790,530
86$353,330,313$21,690,777$8,095,852$174,294,657
87$389,251,736$22,635,356$8,248,794$191,353,902
88$428,833,419$23,622,495$8,403,135$210,125,819
89$472,448,591$24,654,160$8,558,803$230,783,988
90$520,508,547$25,732,413$8,715,722$253,519,646
91$573,466,529$26,859,412$8,873,809$278,543,485
92$631,822,008$28,037,416$9,032,975$306,087,637
93$696,125,395$29,268,792$9,193,122$336,407,855
94$766,983,241$30,556,018$9,354,147$369,785,922
95$845,063,958$31,901,690$9,515,937$406,532,304
96$931,104,133$33,308,524$9,678,373$446,989,071
97$1,025,915,482$34,779,369$9,841,325$491,533,119
98$1,130,392,508$36,317,205$10,004,657$540,579,719
99$1,245,520,950$37,925,155$10,168,219$594,586,427
100$1,372,387,089$39,606,489$10,331,856$654,057,397