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%13.9%
1 years$213,054$211,156$209,305$207,497$205,733$202,408
2 years$105,472$103,508$101,604$99,758$97,968$94,627
3 years$69,616$67,644$65,745$63,916$62,155$58,902
4 years$51,692$49,725$47,845$46,048$44,329$41,190
5 years$40,940$38,985$37,130$35,369$33,699$30,682
6 years$33,775$31,834$30,006$28,285$26,664$23,774
7 years$28,658$26,734$24,936$23,255$21,685$18,921
8 years$24,823$22,916$21,147$19,508$17,990$15,352
9 years$21,841$19,953$18,214$16,616$15,150$12,637
10 years$19,457$17,587$15,880$14,323$12,909$10,518
11 years$17,508$15,657$13,980$12,466$11,102$8,832
12 years$15,885$14,053$12,407$10,934$9,621$7,468
13 years$14,513$12,700$11,085$9,653$8,389$6,351
14 years$13,338$11,544$9,960$8,569$7,354$5,426
15 years$12,320$10,545$8,992$7,642$6,475$4,655
16 years$11,430$9,675$8,153$6,843$5,723$4,006
17 years$10,646$8,910$7,419$6,148$5,074$3,457
18 years$9,950$8,234$6,772$5,541$4,512$2,990
19 years$9,328$7,631$6,200$5,006$4,021$2,592
20 years$8,769$7,091$5,690$4,534$3,592$2,250
21 years$8,263$6,605$5,234$4,115$3,214$1,956
22 years$7,804$6,166$4,824$3,742$2,881$1,703
23 years$7,386$5,766$4,454$3,408$2,586$1,484
24 years$7,003$5,403$4,119$3,108$2,325$1,295
25 years$6,652$5,070$3,815$2,838$2,092$1,130
26 years$6,328$4,765$3,538$2,595$1,884$988
27 years$6,028$4,485$3,285$2,375$1,699$863
28 years$5,750$4,226$3,054$2,176$1,533$755
29 years$5,492$3,987$2,842$1,996$1,384$661
30 years$5,252$3,765$2,647$1,832$1,251$579
31 years$5,027$3,559$2,468$1,682$1,131$507
32 years$4,817$3,368$2,303$1,546$1,023$444
33 years$4,620$3,189$2,150$1,422$926$389
34 years$4,436$3,023$2,009$1,308$838$341
35 years$4,262$2,867$1,878$1,204$759$299
36 years$4,098$2,721$1,757$1,109$688$262
37 years$3,943$2,584$1,645$1,022$623$230
38 years$3,797$2,456$1,540$942$565$202
39 years$3,658$2,336$1,443$868$512$177
40 years$3,527$2,222$1,352$801$465$155
41 years$3,403$2,115$1,268$739$422$136
42 years$3,285$2,014$1,190$682$383$119
43 years$3,172$1,919$1,116$630$347$105
44 years$3,065$1,830$1,048$581$315$92
45 years$2,963$1,745$984$537$286$81
46 years$2,866$1,664$924$496$260$71
47 years$2,774$1,588$868$458$236$62
48 years$2,685$1,516$816$423$214$55
49 years$2,600$1,448$767$391$195$48
50 years$2,519$1,383$721$362$177$42

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 $6,325 every year, while hoping to spend $29,417 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: 71/13/16 Blend
34$2,580,000$2,580,000$2,580,000$2,580,000
35$2,849,684$2,712,944$2,672,954$3,041,065
36$3,109,053$2,814,579$2,731,199$3,270,674
37$3,393,891$2,920,208$2,790,409$3,517,815
38$3,706,765$3,029,996$2,850,585$3,787,623
39$4,050,504$3,144,114$2,911,728$4,082,332
40$4,428,222$3,262,742$2,973,837$4,404,405
41$4,843,350$3,386,067$3,036,911$4,756,552
42$5,299,671$3,514,283$3,100,947$5,141,757
43$5,801,349$3,647,595$3,165,940$5,563,306
44$6,352,973$3,786,213$3,231,886$6,024,819
45$6,959,600$3,930,361$3,298,777$6,530,281
46$7,626,798$4,080,268$3,366,605$7,084,079
47$8,360,707$4,236,176$3,435,362$7,691,048
48$9,168,087$4,398,337$3,505,035$8,356,510
49$10,056,390$4,567,014$3,575,611$9,086,329
50$11,033,824$4,742,480$3,647,076$9,886,963
51$12,109,434$4,925,021$3,719,414$10,765,525
52$13,293,187$5,114,938$3,792,604$11,729,851
53$14,596,063$5,312,541$3,866,628$12,788,571
54$16,030,162$5,518,156$3,941,460$13,951,193
55$17,608,816$5,732,123$4,017,077$15,228,191
56$19,346,715$5,954,797$4,093,449$16,631,103
57$21,260,047$6,186,549$4,170,546$18,172,639
58$23,366,648$6,427,766$4,248,335$19,866,803
59$25,686,171$6,678,852$4,326,780$21,729,020
60$28,240,274$6,940,228$4,405,840$23,776,288
61$31,052,820$7,212,337$4,485,474$26,027,331
62$34,150,104$7,495,639$4,565,634$28,502,777
63$37,561,103$7,790,614$4,646,271$31,225,357
64$41,317,747$8,097,765$4,727,332$34,220,112
65$45,455,218$8,417,617$4,808,759$37,514,633
66$50,012,289$8,750,718$4,890,491$41,139,320
67$55,031,680$9,097,641$4,972,460$45,127,667
68$60,560,470$9,458,984$5,054,597$49,516,579
69$66,650,538$9,835,374$5,136,825$54,346,719
70$73,359,048$10,227,463$5,219,064$59,662,890
71$80,748,997$10,635,934$5,301,228$65,514,462
72$88,889,801$11,061,501$5,383,226$71,955,829
73$97,857,955$11,504,910$5,464,959$79,046,929
74$107,737,756$11,966,940$5,546,324$86,853,806
75$118,622,092$12,448,405$5,627,211$95,449,231
76$130,613,326$12,950,157$5,707,503$104,913,391
77$143,824,257$13,473,086$5,787,076$115,334,644
78$158,379,186$14,018,122$5,865,798$126,810,352
79$174,415,091$14,586,238$5,943,530$139,447,798
80$192,082,917$15,178,451$6,020,125$153,365,199
81$211,549,002$15,795,823$6,095,427$168,692,821
82$232,996,647$16,439,465$6,169,271$185,574,206
83$256,627,846$17,110,539$6,241,482$204,167,530
84$282,665,191$17,810,261$6,311,877$224,647,087
85$311,353,977$18,539,900$6,380,261$247,204,944
86$342,964,513$19,300,785$6,446,430$272,052,742
87$377,794,675$20,094,305$6,510,167$299,423,700
88$416,172,718$20,921,912$6,571,244$329,574,813
89$458,460,376$21,785,127$6,629,421$362,789,275
90$505,056,273$22,685,537$6,684,446$399,379,154
91$556,399,689$23,624,805$6,736,051$439,688,334
92$612,974,706$24,604,668$6,783,957$484,095,761
93$675,314,775$25,626,946$6,827,869$533,019,018
94$744,007,755$26,693,540$6,867,476$586,918,267
95$819,701,463$27,806,439$6,902,452$646,300,588
96$903,109,783$28,967,726$6,932,455$711,724,769
97$995,019,413$30,179,577$6,957,125$783,806,575
98$1,096,297,287$31,444,270$6,976,082$863,224,560
99$1,207,898,759$32,764,188$6,988,930$950,726,474
100$1,330,876,625$34,141,826$6,995,252$1,047,136,315