Can I retire at age 35 with 2,570,000?

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 $2,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$212,228$210,338$208,493$206,693$204,935$198,853
2 years$105,063$103,107$101,210$99,372$97,588$91,511
3 years$69,347$67,381$65,490$63,668$61,914$56,032
4 years$51,492$49,532$47,660$45,870$44,158$38,516
5 years$40,781$38,834$36,986$35,232$33,568$28,182
6 years$33,644$31,711$29,890$28,175$26,561$21,436
7 years$28,547$26,631$24,839$23,165$21,601$16,736
8 years$24,727$22,828$21,065$19,432$17,920$13,313
9 years$21,757$19,875$18,144$16,552$15,092$10,736
10 years$19,382$17,519$15,818$14,268$12,859$8,750
11 years$17,440$15,596$13,926$12,417$11,059$7,190
12 years$15,824$13,998$12,359$10,892$9,583$5,946
13 years$14,457$12,650$11,042$9,616$8,357$4,943
14 years$13,286$11,499$9,921$8,536$7,326$4,127
15 years$12,272$10,505$8,957$7,612$6,450$3,457
16 years$11,386$9,638$8,121$6,816$5,701$2,904
17 years$10,605$8,876$7,390$6,124$5,055$2,445
18 years$9,912$8,202$6,746$5,519$4,494$2,063
19 years$9,292$7,601$6,176$4,987$4,006$1,743
20 years$8,735$7,064$5,668$4,517$3,578$1,475
21 years$8,231$6,579$5,213$4,099$3,202$1,250
22 years$7,774$6,142$4,805$3,727$2,870$1,060
23 years$7,358$5,744$4,436$3,394$2,576$899
24 years$6,976$5,382$4,103$3,096$2,316$764
25 years$6,626$5,051$3,800$2,827$2,084$649
26 years$6,303$4,747$3,524$2,585$1,877$552
27 years$6,005$4,467$3,273$2,366$1,692$469
28 years$5,728$4,209$3,042$2,168$1,527$399
29 years$5,471$3,971$2,831$1,988$1,379$340
30 years$5,231$3,750$2,637$1,825$1,246$289
31 years$5,008$3,545$2,459$1,676$1,126$246
32 years$4,799$3,355$2,294$1,540$1,019$210
33 years$4,602$3,177$2,142$1,416$922$179
34 years$4,418$3,011$2,001$1,303$835$152
35 years$4,245$2,856$1,871$1,199$756$130
36 years$4,082$2,711$1,750$1,105$685$110
37 years$3,928$2,574$1,638$1,018$621$94
38 years$3,782$2,447$1,534$938$563$80
39 years$3,644$2,327$1,437$865$510$68
40 years$3,514$2,213$1,347$798$463$58
41 years$3,390$2,107$1,263$736$420$50
42 years$3,272$2,007$1,185$679$381$42
43 years$3,160$1,912$1,112$627$346$36
44 years$3,054$1,822$1,044$579$314$31
45 years$2,952$1,738$980$535$285$26
46 years$2,855$1,658$920$494$259$22
47 years$2,763$1,582$865$456$235$19
48 years$2,674$1,510$813$422$213$16
49 years$2,590$1,442$764$390$194$14
50 years$2,509$1,378$718$360$176$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,570,000, adding $4,276 every year, while hoping to spend $59,869 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: 58/30/12 Blend
34$2,570,000$2,570,000$2,570,000$2,570,000
35$2,836,551$2,700,341$2,660,506$2,992,419
36$3,062,179$2,768,957$2,685,932$3,166,683
37$3,308,814$2,838,929$2,710,205$3,349,510
38$3,578,537$2,910,261$2,733,220$3,547,369
39$3,873,636$2,982,952$2,754,871$3,761,712
40$4,196,633$3,057,003$2,775,046$3,994,136
41$4,550,305$3,132,411$2,793,625$4,246,401
42$4,937,708$3,209,171$2,810,483$4,520,443
43$5,362,208$3,287,275$2,825,489$4,818,395
44$5,827,515$3,366,713$2,838,504$5,142,608
45$6,337,712$3,447,472$2,849,384$5,495,670
46$6,897,296$3,529,535$2,857,976$5,880,431
47$7,511,221$3,612,884$2,864,119$6,300,033
48$8,184,945$3,697,494$2,867,646$6,757,934
49$8,924,477$3,783,339$2,868,380$7,257,946
50$9,736,438$3,870,387$2,866,135$7,804,269
51$10,628,122$3,958,603$2,860,718$8,401,528
52$11,607,562$4,047,946$2,851,924$9,054,822
53$12,683,610$4,138,372$2,839,539$9,769,766
54$13,866,014$4,229,829$2,823,341$10,552,549
55$15,165,518$4,322,260$2,803,092$11,409,990
56$16,593,953$4,415,604$2,778,549$12,349,602
57$18,164,358$4,509,790$2,749,452$13,379,664
58$19,891,095$4,604,742$2,715,531$14,509,300
59$21,789,990$4,700,378$2,676,505$15,748,563
60$23,878,478$4,796,605$2,632,076$17,108,532
61$26,175,767$4,893,323$2,581,935$18,601,415
62$28,703,022$4,990,423$2,525,757$20,240,666
63$31,483,564$5,087,787$2,463,203$22,041,109
64$34,543,085$5,185,286$2,393,918$24,019,084
65$37,909,895$5,282,781$2,317,530$26,192,595
66$41,615,188$5,380,120$2,233,650$28,581,484
67$45,693,333$5,477,142$2,141,873$31,207,617
68$50,182,200$5,573,669$2,041,774$34,095,093
69$55,123,518$5,669,513$1,932,907$37,270,468
70$60,563,268$5,764,469$1,814,810$40,763,010
71$66,552,111$5,858,319$1,686,996$44,604,971
72$73,145,876$5,950,826$1,548,960$48,831,897
73$80,406,076$6,041,737$1,400,171$53,482,961
74$88,400,496$6,130,782$1,240,076$58,601,333
75$97,203,825$6,217,669$1,068,098$64,234,592
76$106,898,369$6,302,088$883,632$70,435,169
77$117,574,817$6,383,706$686,049$77,260,850
78$129,333,108$6,462,166$474,691$84,775,315
79$142,283,362$6,537,090$248,870$93,048,746
80$156,546,928$6,608,070$7,871$102,158,489
81$172,257,524$6,674,675$0$112,189,781
82$189,562,498$6,736,441$0$123,268,484
83$208,624,224$6,792,877$0$135,469,351
84$229,621,626$6,843,459$0$148,905,571
85$252,751,871$6,887,628$0$163,702,988
86$278,232,229$6,924,789$0$180,000,285
87$306,302,124$6,954,311$0$197,950,293
88$337,225,389$6,975,521$0$217,721,432
89$371,292,762$6,987,704$0$239,499,304
90$408,824,623$6,990,102$0$263,488,444
91$450,174,025$6,981,907$0$289,914,254
92$495,730,018$6,962,263$0$319,025,131
93$545,921,327$6,930,261$0$351,094,811
94$601,220,395$6,884,937$0$386,424,958
95$662,147,844$6,825,267$0$425,348,008
96$729,277,385$6,750,167$0$468,230,315
97$803,241,240$6,658,486$0$515,475,605
98$884,736,101$6,549,007$0$567,528,793
99$974,529,712$6,420,436$0$624,880,183
100$1,073,468,113$6,271,408$0$688,070,099