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%14.1%
1 years$211,402$209,519$207,682$205,889$204,138$200,674
2 years$104,655$102,706$100,817$98,985$97,209$93,729
3 years$69,077$67,119$65,235$63,421$61,673$58,287
4 years$51,291$49,340$47,474$45,691$43,986$40,718
5 years$40,623$38,683$36,842$35,095$33,437$30,298
6 years$33,513$31,588$29,774$28,066$26,458$23,451
7 years$28,436$26,527$24,742$23,074$21,517$18,644
8 years$24,630$22,739$20,983$19,357$17,851$15,109
9 years$21,672$19,798$18,073$16,488$15,033$12,423
10 years$19,307$17,451$15,756$14,212$12,809$10,327
11 years$17,373$15,536$13,872$12,369$11,016$8,660
12 years$15,762$13,944$12,311$10,849$9,546$7,314
13 years$14,400$12,601$10,999$9,578$8,324$6,211
14 years$13,234$11,454$9,883$8,503$7,297$5,300
15 years$12,224$10,464$8,923$7,583$6,425$4,540
16 years$11,342$9,600$8,090$6,790$5,678$3,902
17 years$10,564$8,841$7,361$6,100$5,035$3,362
18 years$9,873$8,170$6,720$5,498$4,477$2,904
19 years$9,256$7,572$6,152$4,968$3,990$2,513
20 years$8,701$7,036$5,646$4,499$3,564$2,179
21 years$8,199$6,554$5,193$4,083$3,190$1,892
22 years$7,744$6,118$4,786$3,713$2,859$1,644
23 years$7,329$5,722$4,419$3,381$2,566$1,431
24 years$6,949$5,361$4,087$3,084$2,307$1,246
25 years$6,600$5,031$3,785$2,816$2,076$1,086
26 years$6,278$4,728$3,511$2,575$1,870$948
27 years$5,981$4,450$3,260$2,357$1,686$827
28 years$5,706$4,193$3,031$2,160$1,521$722
29 years$5,450$3,956$2,820$1,980$1,373$631
30 years$5,211$3,736$2,627$1,817$1,241$551
31 years$4,988$3,532$2,449$1,669$1,122$482
32 years$4,780$3,342$2,285$1,534$1,015$422
33 years$4,585$3,164$2,134$1,411$918$369
34 years$4,401$2,999$1,993$1,298$832$323
35 years$4,229$2,845$1,864$1,195$753$283
36 years$4,066$2,700$1,743$1,100$682$247
37 years$3,912$2,564$1,632$1,014$619$216
38 years$3,767$2,437$1,528$935$561$190
39 years$3,630$2,317$1,432$862$509$166
40 years$3,500$2,205$1,342$795$461$145
41 years$3,376$2,099$1,258$733$418$127
42 years$3,259$1,999$1,180$677$380$112
43 years$3,148$1,905$1,108$625$345$98
44 years$3,042$1,815$1,040$577$313$86
45 years$2,941$1,731$976$533$284$75
46 years$2,844$1,651$917$492$258$66
47 years$2,752$1,576$861$455$234$58
48 years$2,664$1,504$809$420$213$50
49 years$2,580$1,437$761$388$193$44
50 years$2,499$1,372$715$359$175$39

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 $3,936 every year, while hoping to spend $34,974 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: 48/30/22 Blend
34$2,560,000$2,560,000$2,560,000$2,560,000
35$2,825,180$2,689,500$2,649,820$2,942,994
36$3,076,136$2,784,073$2,701,377$3,120,156
37$3,351,518$2,882,109$2,753,489$3,308,606
38$3,653,779$2,983,739$2,806,137$3,512,529
39$3,985,624$3,089,101$2,859,302$3,733,397
40$4,350,031$3,198,340$2,912,962$3,972,823
41$4,750,280$3,311,605$2,967,092$4,232,585
42$5,189,986$3,429,051$3,021,667$4,514,637
43$5,673,130$3,550,840$3,076,658$4,821,132
44$6,204,098$3,677,140$3,132,035$5,154,434
45$6,787,722$3,808,126$3,187,765$5,517,147
46$7,429,327$3,943,981$3,243,812$5,912,138
47$8,134,777$4,084,895$3,300,138$6,342,558
48$8,910,534$4,231,065$3,356,703$6,811,881
49$9,763,718$4,382,696$3,413,461$7,323,925
50$10,702,172$4,540,003$3,470,367$7,882,898
51$11,734,539$4,703,208$3,527,370$8,493,428
52$12,870,341$4,872,545$3,584,416$9,160,615
53$14,120,069$5,048,253$3,641,447$9,890,071
54$15,495,284$5,230,585$3,698,403$10,687,975
55$17,008,722$5,419,802$3,755,219$11,561,134
56$18,674,417$5,616,179$3,811,824$12,517,041
57$20,507,834$5,819,998$3,868,147$13,563,948
58$22,526,011$6,031,556$3,924,108$14,710,943
59$24,747,724$6,251,161$3,979,625$15,968,038
60$27,193,658$6,479,135$4,034,609$17,346,254
61$29,886,611$6,715,812$4,088,968$18,857,736
62$32,851,699$6,961,541$4,142,602$20,515,855
63$36,116,602$7,216,685$4,195,408$22,335,345
64$39,711,816$7,481,624$4,247,275$24,332,431
65$43,670,948$7,756,750$4,298,086$26,524,987
66$48,031,031$8,042,477$4,347,718$28,932,704
67$52,832,870$8,339,232$4,396,040$31,577,272
68$58,121,430$8,647,463$4,442,916$34,482,585
69$63,946,262$8,967,634$4,488,199$37,674,966
70$70,361,964$9,300,232$4,531,737$41,183,416
71$77,428,704$9,645,762$4,573,370$45,039,881
72$85,212,780$10,004,752$4,612,926$49,279,561
73$93,787,251$10,377,754$4,650,227$53,941,233
74$103,232,626$10,765,339$4,685,085$59,067,619
75$113,637,621$11,168,107$4,717,302$64,705,792
76$125,099,995$11,586,681$4,746,668$70,907,611
77$137,727,479$12,021,713$4,772,966$77,730,216
78$151,638,785$12,473,881$4,795,964$85,236,564
79$166,964,733$12,943,892$4,815,420$93,496,020
80$183,849,479$13,432,486$4,831,081$102,585,013
81$202,451,881$13,940,433$4,842,677$112,587,753
82$222,946,996$14,468,537$4,849,929$123,597,028
83$245,527,730$15,017,636$4,852,543$135,715,076
84$270,406,664$15,588,606$4,850,208$149,054,547
85$297,818,055$16,182,358$4,842,601$163,739,570
86$328,020,049$16,799,847$4,829,381$179,906,916
87$361,297,121$17,442,066$4,810,192$197,707,291
88$397,962,754$18,110,054$4,784,660$217,306,760
89$438,362,400$18,804,892$4,752,392$238,888,303
90$482,876,745$19,527,712$4,712,977$262,653,552
91$531,925,297$20,279,694$4,665,986$288,824,682
92$585,970,348$21,062,069$4,610,966$317,646,514
93$645,521,336$21,876,124$4,547,447$349,388,819
94$711,139,659$22,723,200$4,474,933$384,348,862
95$783,443,968$23,604,701$4,392,907$422,854,211
96$863,116,011$24,522,089$4,300,827$465,265,819
97$950,907,066$25,476,893$4,198,127$511,981,437
98$1,047,645,035$26,470,709$4,084,212$563,439,358
99$1,154,242,258$27,505,204$3,958,463$620,122,559
100$1,271,704,127$28,582,118$3,820,231$682,563,251