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%15.3%
1 years$212,228$210,338$208,493$206,693$204,935$200,470
2 years$105,063$103,107$101,210$99,372$97,588$93,112
3 years$69,347$67,381$65,490$63,668$61,914$57,566
4 years$51,492$49,532$47,660$45,870$44,158$39,972
5 years$40,781$38,834$36,986$35,232$33,568$29,557
6 years$33,644$31,711$29,890$28,175$26,561$22,728
7 years$28,547$26,631$24,839$23,165$21,601$17,948
8 years$24,727$22,828$21,065$19,432$17,920$14,444
9 years$21,757$19,875$18,144$16,552$15,092$11,791
10 years$19,382$17,519$15,818$14,268$12,859$9,730
11 years$17,440$15,596$13,926$12,417$11,059$8,098
12 years$15,824$13,998$12,359$10,892$9,583$6,786
13 years$14,457$12,650$11,042$9,616$8,357$5,717
14 years$13,286$11,499$9,921$8,536$7,326$4,839
15 years$12,272$10,505$8,957$7,612$6,450$4,111
16 years$11,386$9,638$8,121$6,816$5,701$3,503
17 years$10,605$8,876$7,390$6,124$5,055$2,993
18 years$9,912$8,202$6,746$5,519$4,494$2,562
19 years$9,292$7,601$6,176$4,987$4,006$2,198
20 years$8,735$7,064$5,668$4,517$3,578$1,888
21 years$8,231$6,579$5,213$4,099$3,202$1,625
22 years$7,774$6,142$4,805$3,727$2,870$1,399
23 years$7,358$5,744$4,436$3,394$2,576$1,206
24 years$6,976$5,382$4,103$3,096$2,316$1,041
25 years$6,626$5,051$3,800$2,827$2,084$899
26 years$6,303$4,747$3,524$2,585$1,877$776
27 years$6,005$4,467$3,273$2,366$1,692$671
28 years$5,728$4,209$3,042$2,168$1,527$580
29 years$5,471$3,971$2,831$1,988$1,379$502
30 years$5,231$3,750$2,637$1,825$1,246$434
31 years$5,008$3,545$2,459$1,676$1,126$376
32 years$4,799$3,355$2,294$1,540$1,019$326
33 years$4,602$3,177$2,142$1,416$922$282
34 years$4,418$3,011$2,001$1,303$835$244
35 years$4,245$2,856$1,871$1,199$756$212
36 years$4,082$2,711$1,750$1,105$685$183
37 years$3,928$2,574$1,638$1,018$621$159
38 years$3,782$2,447$1,534$938$563$138
39 years$3,644$2,327$1,437$865$510$119
40 years$3,514$2,213$1,347$798$463$104
41 years$3,390$2,107$1,263$736$420$90
42 years$3,272$2,007$1,185$679$381$78
43 years$3,160$1,912$1,112$627$346$67
44 years$3,054$1,822$1,044$579$314$58
45 years$2,952$1,738$980$535$285$51
46 years$2,855$1,658$920$494$259$44
47 years$2,763$1,582$865$456$235$38
48 years$2,674$1,510$813$422$213$33
49 years$2,590$1,442$764$390$194$29
50 years$2,509$1,378$718$360$176$25

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 $2,717 every year, while hoping to spend $45,529 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: 70/13/17 Blend
34$2,570,000$2,570,000$2,570,000$2,570,000
35$2,834,943$2,698,733$2,658,898$3,021,822
36$3,075,664$2,782,528$2,699,528$3,230,358
37$3,339,414$2,868,903$2,739,994$3,452,830
38$3,628,491$2,957,937$2,780,241$3,695,169
39$3,945,431$3,049,710$2,820,213$3,959,330
40$4,293,025$3,144,305$2,859,850$4,247,467
41$4,674,345$3,241,808$2,899,086$4,561,951
42$5,092,778$3,342,306$2,937,856$4,905,396
43$5,552,053$3,445,891$2,976,086$5,280,677
44$6,056,278$3,552,656$3,013,700$5,690,963
45$6,609,979$3,662,696$3,050,620$6,139,743
46$7,218,140$3,776,111$3,086,758$6,630,863
47$7,886,252$3,893,003$3,122,027$7,168,555
48$8,620,366$4,013,476$3,156,331$7,757,486
49$9,427,145$4,137,638$3,189,570$8,402,792
50$10,313,932$4,265,600$3,221,638$9,110,135
51$11,288,816$4,397,477$3,252,426$9,885,750
52$12,360,708$4,533,387$3,281,815$10,736,507
53$13,539,426$4,673,449$3,309,682$11,669,977
54$14,835,789$4,817,789$3,335,898$12,694,496
55$16,261,714$4,966,535$3,360,324$13,819,253
56$17,830,332$5,119,819$3,382,819$15,054,370
57$19,556,112$5,277,776$3,403,230$16,411,001
58$21,454,995$5,440,546$3,421,397$17,901,432
59$23,544,545$5,608,274$3,437,154$19,539,204
60$25,844,114$5,781,105$3,450,325$21,339,235
61$28,375,028$5,959,194$3,460,725$23,317,963
62$31,160,782$6,142,695$3,468,160$25,493,501
63$34,227,265$6,331,770$3,472,427$27,885,805
64$37,603,003$6,526,584$3,473,311$30,516,866
65$41,319,431$6,727,308$3,470,588$33,410,916
66$45,411,183$6,934,117$3,464,023$36,594,656
67$49,916,425$7,147,189$3,453,369$40,097,507
68$54,877,210$7,366,712$3,438,367$43,951,890
69$60,339,879$7,592,874$3,418,745$48,193,531
70$66,355,494$7,825,872$3,394,220$52,861,796
71$72,980,321$8,065,906$3,364,493$58,000,064
72$80,276,362$8,313,185$3,329,253$63,656,137
73$88,311,940$8,567,919$3,288,171$69,882,690
74$97,162,338$8,830,328$3,240,905$76,737,769
75$106,910,519$9,100,636$3,187,098$84,285,338
76$117,647,899$9,379,074$3,126,373$92,595,882
77$129,475,216$9,665,880$3,058,338$101,747,073
78$142,503,478$9,961,298$2,982,581$111,824,504
79$156,855,008$10,265,577$2,898,673$122,922,495
80$172,664,603$10,578,975$2,806,164$135,144,985
81$190,080,805$10,901,757$2,704,582$148,606,512
82$209,267,298$11,234,194$2,593,437$163,433,294
83$230,404,459$11,576,565$2,472,213$179,764,420
84$253,691,054$11,929,158$2,340,373$197,753,167
85$279,346,121$12,292,265$2,197,354$217,568,439
86$307,611,029$12,666,190$2,042,569$239,396,368
87$338,751,764$13,051,243$1,875,405$263,442,071
88$373,061,432$13,447,743$1,695,220$289,931,582
89$410,863,032$13,856,016$1,501,344$319,113,988
90$452,512,499$14,276,399$1,293,076$351,263,782
91$498,402,067$14,709,235$1,069,687$386,683,452
92$548,963,969$15,154,879$830,414$425,706,338
93$604,674,520$15,613,694$574,458$468,699,779
94$666,058,608$16,086,052$300,990$516,068,579
95$733,694,653$16,572,335$9,139$568,258,831
96$808,220,063$17,072,935$0$625,762,128
97$890,337,254$17,588,254$0$689,175,039
98$980,820,280$18,118,704$0$759,045,049
99$1,080,522,136$18,664,708$0$836,028,556
100$1,190,382,814$19,226,699$0$920,850,729