Can I retire at age 35 with 2,580,000?

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 $2,580,000?

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 years$213,054$211,156$209,305$207,497$205,733$198,276
2 years$105,472$103,508$101,604$99,758$97,968$90,537
3 years$69,616$67,644$65,745$63,916$62,155$54,983
4 years$51,692$49,725$47,845$46,048$44,329$37,472
5 years$40,940$38,985$37,130$35,369$33,699$27,174
6 years$33,775$31,834$30,006$28,285$26,664$20,477
7 years$28,658$26,734$24,936$23,255$21,685$15,833
8 years$24,823$22,916$21,147$19,508$17,990$12,469
9 years$21,841$19,953$18,214$16,616$15,150$9,952
10 years$19,457$17,587$15,880$14,323$12,909$8,024
11 years$17,508$15,657$13,980$12,466$11,102$6,521
12 years$15,885$14,053$12,407$10,934$9,621$5,333
13 years$14,513$12,700$11,085$9,653$8,389$4,382
14 years$13,338$11,544$9,960$8,569$7,354$3,615
15 years$12,320$10,545$8,992$7,642$6,475$2,992
16 years$11,430$9,675$8,153$6,843$5,723$2,483
17 years$10,646$8,910$7,419$6,148$5,074$2,065
18 years$9,950$8,234$6,772$5,541$4,512$1,720
19 years$9,328$7,631$6,200$5,006$4,021$1,435
20 years$8,769$7,091$5,690$4,534$3,592$1,199
21 years$8,263$6,605$5,234$4,115$3,214$1,002
22 years$7,804$6,166$4,824$3,742$2,881$839
23 years$7,386$5,766$4,454$3,408$2,586$702
24 years$7,003$5,403$4,119$3,108$2,325$588
25 years$6,652$5,070$3,815$2,838$2,092$493
26 years$6,328$4,765$3,538$2,595$1,884$414
27 years$6,028$4,485$3,285$2,375$1,699$347
28 years$5,750$4,226$3,054$2,176$1,533$291
29 years$5,492$3,987$2,842$1,996$1,384$244
30 years$5,252$3,765$2,647$1,832$1,251$205
31 years$5,027$3,559$2,468$1,682$1,131$172
32 years$4,817$3,368$2,303$1,546$1,023$145
33 years$4,620$3,189$2,150$1,422$926$121
34 years$4,436$3,023$2,009$1,308$838$102
35 years$4,262$2,867$1,878$1,204$759$86
36 years$4,098$2,721$1,757$1,109$688$72
37 years$3,943$2,584$1,645$1,022$623$60
38 years$3,797$2,456$1,540$942$565$51
39 years$3,658$2,336$1,443$868$512$43
40 years$3,527$2,222$1,352$801$465$36
41 years$3,403$2,115$1,268$739$422$30
42 years$3,285$2,014$1,190$682$383$25
43 years$3,172$1,919$1,116$630$347$21
44 years$3,065$1,830$1,048$581$315$18
45 years$2,963$1,745$984$537$286$15
46 years$2,866$1,664$924$496$260$13
47 years$2,774$1,588$868$458$236$11
48 years$2,685$1,516$816$423$214$9
49 years$2,600$1,448$767$391$195$7
50 years$2,519$1,383$721$362$177$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,580,000, adding $6,328 every year, while hoping to spend $56,895 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: 49/33/18 Blend
34$2,580,000$2,580,000$2,580,000$2,580,000
35$2,849,687$2,712,947$2,672,957$2,974,694
36$3,079,820$2,785,346$2,701,966$3,134,260
37$3,331,518$2,859,385$2,730,039$3,301,163
38$3,606,924$2,935,085$2,757,085$3,481,255
39$3,908,391$3,012,466$2,783,009$3,675,797
40$4,238,516$3,091,545$2,807,709$3,886,179
41$4,600,154$3,172,341$2,831,077$4,113,928
42$4,996,453$3,254,869$2,853,001$4,360,730
43$5,430,878$3,339,144$2,873,363$4,628,437
44$5,907,244$3,425,179$2,892,037$4,919,094
45$6,429,756$3,512,986$2,908,894$5,234,948
46$7,003,044$3,602,574$2,923,794$5,578,478
47$7,632,206$3,693,953$2,936,593$5,952,415
48$8,322,861$3,787,126$2,947,139$6,359,764
49$9,081,196$3,882,099$2,955,271$6,803,839
50$9,914,028$3,978,871$2,960,822$7,288,290
51$10,828,865$4,077,441$2,963,616$7,817,137
52$11,833,978$4,177,805$2,963,466$8,394,813
53$12,938,481$4,279,955$2,960,180$9,026,198
54$14,152,413$4,383,879$2,953,552$9,716,673
55$15,486,833$4,489,563$2,943,370$10,472,164
56$16,953,927$4,596,989$2,929,410$11,299,204
57$18,567,118$4,706,132$2,911,436$12,204,989
58$20,341,197$4,816,966$2,889,202$13,197,452
59$22,292,460$4,929,458$2,862,451$14,285,332
60$24,438,861$5,043,571$2,830,913$15,478,261
61$26,800,180$5,159,261$2,794,304$16,786,854
62$29,398,213$5,276,479$2,752,327$18,222,808
63$32,256,974$5,395,171$2,704,674$19,799,012
64$35,402,924$5,515,272$2,651,019$21,529,674
65$38,865,216$5,636,715$2,591,022$23,430,449
66$42,675,975$5,759,420$2,524,328$25,518,591
67$46,870,596$5,883,303$2,450,565$27,813,114
68$51,488,081$6,008,270$2,369,343$30,334,973
69$56,571,405$6,134,215$2,280,256$33,107,264
70$62,167,921$6,261,025$2,182,878$36,155,436
71$68,329,809$6,388,574$2,076,764$39,507,541
72$75,114,563$6,516,728$1,961,449$43,194,491
73$82,585,538$6,645,338$1,836,447$47,250,355
74$90,812,545$6,774,241$1,701,250$51,712,680
75$99,872,511$6,903,265$1,555,328$56,622,846
76$109,850,201$7,032,219$1,398,125$62,026,456
77$120,839,022$7,160,898$1,229,063$67,973,770
78$132,941,902$7,289,082$1,047,537$74,520,178
79$146,272,261$7,416,532$852,914$81,726,725
80$160,955,081$7,542,991$644,536$89,660,688
81$177,128,084$7,668,183$421,713$98,396,211
82$194,943,034$7,791,809$183,726$108,015,006
83$214,567,168$7,913,552$0$118,607,130
84$236,184,771$8,033,069$0$130,285,320
85$259,998,921$8,149,992$0$143,183,998
86$286,233,397$8,263,928$0$157,388,540
87$315,134,800$8,374,457$0$173,031,957
88$346,974,872$8,481,128$0$190,260,830
89$382,053,066$8,583,460$0$209,236,688
90$420,699,368$8,680,939$0$230,137,539
91$463,277,415$8,773,016$0$253,159,549
92$510,187,924$8,859,107$0$278,518,892
93$561,872,476$8,938,587$0$306,453,797
94$618,817,682$9,010,791$0$337,226,792
95$681,559,776$9,075,010$0$371,127,188
96$750,689,679$9,130,491$0$408,473,805
97$826,858,573$9,176,432$0$449,617,992
98$910,784,047$9,211,977$0$494,946,935
99$1,003,256,876$9,236,220$0$544,887,320
100$1,105,148,479$9,248,196$0$599,909,361