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%11.6%
1 years$213,054$211,156$209,305$207,497$205,733$204,351
2 years$105,472$103,508$101,604$99,758$97,968$96,574
3 years$69,616$67,644$65,745$63,916$62,155$60,792
4 years$51,692$49,725$47,845$46,048$44,329$43,009
5 years$40,940$38,985$37,130$35,369$33,699$32,424
6 years$33,775$31,834$30,006$28,285$26,664$25,437
7 years$28,658$26,734$24,936$23,255$21,685$20,506
8 years$24,823$22,916$21,147$19,508$17,990$16,858
9 years$21,841$19,953$18,214$16,616$15,150$14,066
10 years$19,457$17,587$15,880$14,323$12,909$11,872
11 years$17,508$15,657$13,980$12,466$11,102$10,112
12 years$15,885$14,053$12,407$10,934$9,621$8,676
13 years$14,513$12,700$11,085$9,653$8,389$7,489
14 years$13,338$11,544$9,960$8,569$7,354$6,497
15 years$12,320$10,545$8,992$7,642$6,475$5,661
16 years$11,430$9,675$8,153$6,843$5,723$4,949
17 years$10,646$8,910$7,419$6,148$5,074$4,341
18 years$9,950$8,234$6,772$5,541$4,512$3,817
19 years$9,328$7,631$6,200$5,006$4,021$3,364
20 years$8,769$7,091$5,690$4,534$3,592$2,970
21 years$8,263$6,605$5,234$4,115$3,214$2,627
22 years$7,804$6,166$4,824$3,742$2,881$2,328
23 years$7,386$5,766$4,454$3,408$2,586$2,065
24 years$7,003$5,403$4,119$3,108$2,325$1,833
25 years$6,652$5,070$3,815$2,838$2,092$1,630
26 years$6,328$4,765$3,538$2,595$1,884$1,450
27 years$6,028$4,485$3,285$2,375$1,699$1,291
28 years$5,750$4,226$3,054$2,176$1,533$1,150
29 years$5,492$3,987$2,842$1,996$1,384$1,026
30 years$5,252$3,765$2,647$1,832$1,251$915
31 years$5,027$3,559$2,468$1,682$1,131$816
32 years$4,817$3,368$2,303$1,546$1,023$729
33 years$4,620$3,189$2,150$1,422$926$651
34 years$4,436$3,023$2,009$1,308$838$582
35 years$4,262$2,867$1,878$1,204$759$520
36 years$4,098$2,721$1,757$1,109$688$465
37 years$3,943$2,584$1,645$1,022$623$416
38 years$3,797$2,456$1,540$942$565$372
39 years$3,658$2,336$1,443$868$512$333
40 years$3,527$2,222$1,352$801$465$298
41 years$3,403$2,115$1,268$739$422$266
42 years$3,285$2,014$1,190$682$383$238
43 years$3,172$1,919$1,116$630$347$213
44 years$3,065$1,830$1,048$581$315$191
45 years$2,963$1,745$984$537$286$171
46 years$2,866$1,664$924$496$260$153
47 years$2,774$1,588$868$458$236$137
48 years$2,685$1,516$816$423$214$123
49 years$2,600$1,448$767$391$195$110
50 years$2,519$1,383$721$362$177$98

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 $2,663 every year, while hoping to spend $45,594 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: 59/24/17 Blend
34$2,580,000$2,580,000$2,580,000$2,580,000
35$2,845,907$2,709,167$2,669,177$3,001,159
36$3,087,678$2,793,404$2,710,083$3,190,728
37$3,352,581$2,880,241$2,750,831$3,392,103
38$3,642,928$2,969,757$2,791,367$3,610,662
39$3,961,265$3,062,033$2,831,636$3,848,071
40$4,310,395$3,157,154$2,871,577$4,106,163
41$4,693,406$3,255,206$2,911,126$4,386,958
42$5,113,700$3,356,277$2,950,215$4,692,677
43$5,575,024$3,460,461$2,988,773$5,025,766
44$6,081,503$3,567,850$3,026,724$5,388,921
45$6,637,685$3,678,544$3,063,988$5,785,107
46$7,248,578$3,792,641$3,100,481$6,217,590
47$7,919,698$3,910,246$3,136,112$6,689,969
48$8,657,123$4,031,463$3,170,787$7,206,205
49$9,467,548$4,156,403$3,204,407$7,770,661
50$10,358,349$4,285,178$3,236,866$8,388,143
51$11,337,653$4,417,905$3,268,053$9,063,945
52$12,414,413$4,554,701$3,297,852$9,803,897
53$13,598,492$4,695,691$3,326,140$10,614,422
54$14,900,758$4,841,000$3,352,786$11,502,595
55$16,333,185$4,990,758$3,377,653$12,476,210
56$17,908,965$5,145,101$3,400,600$13,543,853
57$19,642,633$5,304,164$3,421,473$14,714,983
58$21,550,204$5,468,091$3,440,115$16,000,021
59$23,649,324$5,637,026$3,456,358$17,410,446
60$25,959,436$5,811,121$3,470,027$18,958,909
61$28,501,963$5,990,530$3,480,937$20,659,343
62$31,300,509$6,175,412$3,488,894$22,527,103
63$34,381,084$6,365,930$3,493,696$24,579,106
64$37,772,347$6,562,254$3,495,127$26,833,989
65$41,505,878$6,764,556$3,492,965$29,312,291
66$45,616,472$6,973,014$3,486,974$32,036,637
67$50,142,473$7,187,812$3,476,908$35,031,962
68$55,126,129$7,409,138$3,462,508$38,325,737
69$60,613,995$7,637,187$3,443,503$41,948,232
70$66,657,371$7,872,157$3,419,609$45,932,802
71$73,312,784$8,114,255$3,390,528$50,316,201
72$80,642,526$8,363,691$3,355,948$55,138,926
73$88,715,234$8,620,682$3,315,543$60,445,603
74$97,606,544$8,885,451$3,268,969$66,285,404
75$107,399,802$9,158,229$3,215,870$72,712,515
76$118,186,849$9,439,250$3,155,870$79,786,644
77$130,068,893$9,728,758$3,088,576$87,573,584
78$143,157,454$10,027,002$3,013,578$96,145,838
79$157,575,428$10,334,238$2,930,446$105,583,296
80$173,458,236$10,650,730$2,838,730$115,973,996
81$190,955,109$10,976,749$2,737,961$127,414,951
82$210,230,493$11,312,572$2,627,645$140,013,064
83$231,465,602$11,658,487$2,507,270$153,886,140
84$254,860,127$12,014,787$2,376,298$169,163,993
85$280,634,123$12,381,775$2,234,167$185,989,676
86$309,030,082$12,759,760$2,080,290$204,520,829
87$340,315,223$13,149,062$1,914,053$224,931,165
88$374,784,018$13,550,007$1,734,815$247,412,114
89$412,760,964$13,962,933$1,541,907$272,174,625
90$454,603,651$14,388,186$1,334,630$299,451,161
91$500,706,135$14,826,119$1,112,252$329,497,891
92$551,502,660$15,277,098$874,012$362,597,110
93$607,471,752$15,741,497$619,112$399,059,900
94$669,140,740$16,219,699$346,721$439,229,072
95$737,090,731$16,712,100$55,972$483,482,398
96$811,962,096$17,219,103$0$532,236,177
97$894,460,517$17,741,126$0$585,995,297
98$985,363,642$18,278,594$0$645,233,010
99$1,085,528,432$18,831,944$0$710,496,440
100$1,195,899,249$19,401,626$0$782,399,704