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

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$213,054$211,156$209,305$207,497$205,733$202,491
2 years$105,472$103,508$101,604$99,758$97,968$94,711
3 years$69,616$67,644$65,745$63,916$62,155$58,983
4 years$51,692$49,725$47,845$46,048$44,329$41,267
5 years$40,940$38,985$37,130$35,369$33,699$30,755
6 years$33,775$31,834$30,006$28,285$26,664$23,843
7 years$28,658$26,734$24,936$23,255$21,685$18,987
8 years$24,823$22,916$21,147$19,508$17,990$15,415
9 years$21,841$19,953$18,214$16,616$15,150$12,696
10 years$19,457$17,587$15,880$14,323$12,909$10,574
11 years$17,508$15,657$13,980$12,466$11,102$8,884
12 years$15,885$14,053$12,407$10,934$9,621$7,517
13 years$14,513$12,700$11,085$9,653$8,389$6,397
14 years$13,338$11,544$9,960$8,569$7,354$5,469
15 years$12,320$10,545$8,992$7,642$6,475$4,695
16 years$11,430$9,675$8,153$6,843$5,723$4,043
17 years$10,646$8,910$7,419$6,148$5,074$3,491
18 years$9,950$8,234$6,772$5,541$4,512$3,022
19 years$9,328$7,631$6,200$5,006$4,021$2,621
20 years$8,769$7,091$5,690$4,534$3,592$2,278
21 years$8,263$6,605$5,234$4,115$3,214$1,982
22 years$7,804$6,166$4,824$3,742$2,881$1,727
23 years$7,386$5,766$4,454$3,408$2,586$1,506
24 years$7,003$5,403$4,119$3,108$2,325$1,315
25 years$6,652$5,070$3,815$2,838$2,092$1,149
26 years$6,328$4,765$3,538$2,595$1,884$1,004
27 years$6,028$4,485$3,285$2,375$1,699$879
28 years$5,750$4,226$3,054$2,176$1,533$769
29 years$5,492$3,987$2,842$1,996$1,384$674
30 years$5,252$3,765$2,647$1,832$1,251$590
31 years$5,027$3,559$2,468$1,682$1,131$517
32 years$4,817$3,368$2,303$1,546$1,023$454
33 years$4,620$3,189$2,150$1,422$926$398
34 years$4,436$3,023$2,009$1,308$838$349
35 years$4,262$2,867$1,878$1,204$759$306
36 years$4,098$2,721$1,757$1,109$688$269
37 years$3,943$2,584$1,645$1,022$623$236
38 years$3,797$2,456$1,540$942$565$207
39 years$3,658$2,336$1,443$868$512$182
40 years$3,527$2,222$1,352$801$465$160
41 years$3,403$2,115$1,268$739$422$140
42 years$3,285$2,014$1,190$682$383$123
43 years$3,172$1,919$1,116$630$347$108
44 years$3,065$1,830$1,048$581$315$95
45 years$2,963$1,745$984$537$286$83
46 years$2,866$1,664$924$496$260$73
47 years$2,774$1,588$868$458$236$64
48 years$2,685$1,516$816$423$214$57
49 years$2,600$1,448$767$391$195$50
50 years$2,519$1,383$721$362$177$44

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 $6,447 every year, while hoping to spend $49,730 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: 48/36/16 Blend
34$2,580,000$2,580,000$2,580,000$2,580,000
35$2,849,810$2,713,070$2,673,080$2,973,541
36$3,087,578$2,793,098$2,709,716$3,139,877
37$3,347,932$2,875,381$2,745,912$3,314,773
38$3,633,123$2,959,976$2,781,602$3,503,599
39$3,945,630$3,046,943$2,816,714$3,707,679
40$4,288,183$3,136,343$2,851,173$3,928,466
41$4,663,790$3,228,236$2,884,899$4,167,562
42$5,075,762$3,322,685$2,917,809$4,426,729
43$5,527,748$3,419,755$2,949,814$4,707,906
44$6,023,766$3,519,510$2,980,820$5,013,227
45$6,568,241$3,622,017$3,010,729$5,345,043
46$7,166,050$3,727,344$3,039,436$5,705,941
47$7,822,562$3,835,559$3,066,833$6,098,770
48$8,543,694$3,946,732$3,092,802$6,526,666
49$9,335,963$4,060,934$3,117,223$6,993,085
50$10,206,550$4,178,238$3,139,968$7,501,829
51$11,163,363$4,298,717$3,160,902$8,057,090
52$12,215,117$4,422,445$3,179,884$8,663,480
53$13,371,412$4,549,498$3,196,763$9,326,082
54$14,642,826$4,679,953$3,211,384$10,050,495
55$16,041,011$4,813,887$3,223,582$10,842,885
56$17,578,806$4,951,380$3,233,184$11,710,044
57$19,270,357$5,092,511$3,240,009$12,659,455
58$21,131,249$5,237,360$3,243,865$13,699,361
59$23,178,655$5,386,009$3,244,553$14,838,844
60$25,431,495$5,538,540$3,241,863$16,087,908
61$27,910,616$5,695,037$3,235,574$17,457,576
62$30,638,989$5,855,584$3,225,455$18,959,991
63$33,641,922$6,020,264$3,211,264$20,608,535
64$36,947,304$6,189,162$3,192,747$22,417,948
65$40,585,863$6,362,365$3,169,638$24,404,472
66$44,591,457$6,539,958$3,141,658$26,586,006
67$49,001,396$6,722,026$3,108,514$28,982,267
68$53,856,790$6,908,657$3,069,900$31,614,984
69$59,202,937$7,099,935$3,025,497$34,508,097
70$65,089,753$7,295,949$2,974,967$37,687,988
71$71,572,240$7,496,782$2,917,961$41,183,725
72$78,711,006$7,702,522$2,854,109$45,027,338
73$86,572,835$7,913,252$2,783,029$49,254,124
74$95,231,320$8,129,057$2,704,316$53,902,975
75$104,767,554$8,350,020$2,617,550$59,016,748
76$115,270,897$8,576,224$2,522,290$64,642,669
77$126,839,818$8,807,748$2,418,077$70,832,781
78$139,582,825$9,044,673$2,304,428$77,644,429
79$153,619,487$9,287,076$2,180,840$85,140,807
80$169,081,563$9,535,032$2,046,787$93,391,554
81$186,114,248$9,788,613$1,901,719$102,473,406
82$204,877,537$10,047,891$1,745,062$112,470,928
83$225,547,739$10,312,932$1,576,216$123,477,308
84$248,319,143$10,583,799$1,394,553$135,595,235
85$273,405,843$10,860,554$1,199,419$148,937,874
86$301,043,769$11,143,251$990,129$163,629,929
87$331,492,905$11,431,941$765,970$179,808,824
88$365,039,748$11,726,672$526,196$197,625,998
89$402,000,006$12,027,484$270,028$217,248,336
90$442,721,587$12,334,410$0$238,859,747
91$487,587,873$12,647,480$0$262,663,467
92$537,021,343$12,966,714$0$288,931,493
93$591,487,562$13,292,125$0$317,863,949
94$651,499,571$13,623,717$0$349,732,212
95$717,622,734$13,961,486$0$384,835,334
96$790,480,071$14,305,417$0$423,502,863
97$870,758,141$14,655,485$0$466,097,950
98$959,213,521$15,011,654$0$513,020,779
99$1,056,679,948$15,373,873$0$564,712,343
100$1,164,076,190$15,742,080$0$621,658,611