Can I retire at age 35 with 2,590,000?

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$213,880$211,975$210,116$208,302$206,530$201,456
2 years$105,881$103,909$101,998$100,145$98,348$93,267
3 years$69,886$67,906$65,999$64,164$62,396$57,467
4 years$51,892$49,918$48,031$46,226$44,501$39,762
5 years$41,099$39,136$37,274$35,506$33,829$29,294
6 years$33,905$31,958$30,123$28,395$26,768$22,440
7 years$28,769$26,838$25,032$23,345$21,769$17,650
8 years$24,919$23,005$21,229$19,583$18,060$14,147
9 years$21,926$20,030$18,285$16,681$15,209$11,500
10 years$19,533$17,656$15,941$14,379$12,959$9,448
11 years$17,576$15,718$14,034$12,514$11,145$7,829
12 years$15,947$14,107$12,455$10,976$9,658$6,530
13 years$14,569$12,749$11,128$9,691$8,422$5,476
14 years$13,389$11,588$9,998$8,602$7,383$4,613
15 years$12,368$10,586$9,027$7,672$6,500$3,900
16 years$11,475$9,713$8,184$6,869$5,745$3,307
17 years$10,688$8,945$7,448$6,172$5,094$2,811
18 years$9,989$8,266$6,799$5,562$4,529$2,394
19 years$9,364$7,660$6,224$5,026$4,037$2,043
20 years$8,803$7,118$5,712$4,552$3,606$1,746
21 years$8,295$6,631$5,254$4,131$3,227$1,494
22 years$7,835$6,189$4,842$3,756$2,892$1,280
23 years$7,415$5,789$4,471$3,421$2,596$1,097
24 years$7,030$5,424$4,135$3,120$2,334$941
25 years$6,677$5,090$3,830$2,849$2,100$808
26 years$6,352$4,784$3,552$2,605$1,892$694
27 years$6,051$4,502$3,298$2,385$1,705$597
28 years$5,773$4,242$3,066$2,185$1,539$513
29 years$5,513$4,002$2,853$2,004$1,390$441
30 years$5,272$3,780$2,658$1,839$1,256$380
31 years$5,047$3,573$2,478$1,689$1,135$327
32 years$4,836$3,381$2,312$1,552$1,027$281
33 years$4,638$3,202$2,159$1,427$929$242
34 years$4,453$3,034$2,017$1,313$841$209
35 years$4,278$2,878$1,886$1,209$762$180
36 years$4,114$2,732$1,764$1,113$690$155
37 years$3,958$2,594$1,651$1,026$626$133
38 years$3,811$2,466$1,546$945$567$115
39 years$3,673$2,345$1,448$872$514$99
40 years$3,541$2,231$1,358$804$467$85
41 years$3,416$2,123$1,273$742$423$74
42 years$3,297$2,022$1,194$685$384$63
43 years$3,185$1,927$1,121$632$349$55
44 years$3,077$1,837$1,052$584$316$47
45 years$2,975$1,751$988$539$287$41
46 years$2,877$1,671$928$498$261$35
47 years$2,784$1,594$871$460$237$30
48 years$2,695$1,522$819$425$215$26
49 years$2,610$1,454$770$393$195$22
50 years$2,529$1,388$724$363$177$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,590,000, adding $3,273 every year, while hoping to spend $45,788 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: 40/48/12 Blend
34$2,590,000$2,590,000$2,590,000$2,590,000
35$2,857,556$2,720,286$2,680,141$2,961,490
36$3,100,309$2,804,862$2,721,208$3,119,734
37$3,366,288$2,892,048$2,762,116$3,286,055
38$3,657,813$2,981,922$2,802,811$3,464,969
39$3,977,442$3,074,568$2,843,236$3,657,635
40$4,327,988$3,170,069$2,883,332$3,865,330
41$4,712,553$3,268,512$2,923,034$4,089,457
42$5,134,551$3,369,987$2,962,273$4,331,558
43$5,597,745$3,474,586$3,000,979$4,593,328
44$6,106,277$3,582,404$3,039,074$4,876,632
45$6,664,714$3,693,537$3,076,479$5,183,522
46$7,278,082$3,808,088$3,113,108$5,516,255
47$7,951,920$3,926,159$3,148,872$5,877,312
48$8,692,332$4,047,857$3,183,675$6,269,427
49$9,506,040$4,173,291$3,217,418$6,695,605
50$10,400,449$4,302,575$3,249,994$7,159,154
51$11,383,718$4,435,825$3,281,293$7,663,717
52$12,464,838$4,573,161$3,311,196$8,213,301
53$13,653,710$4,714,705$3,339,581$8,812,320
54$14,961,248$4,860,585$3,366,316$9,465,629
55$16,399,473$5,010,931$3,391,266$10,178,579
56$17,981,631$5,165,878$3,414,284$10,957,056
57$19,722,315$5,325,564$3,435,220$11,807,546
58$21,637,605$5,490,131$3,453,914$12,737,188
59$23,745,219$5,659,725$3,470,198$13,753,846
60$26,064,677$5,834,498$3,483,896$14,866,177
61$28,617,490$6,014,604$3,494,823$16,083,720
62$31,427,357$6,200,203$3,502,783$17,416,977
63$34,520,394$6,391,459$3,507,572$18,877,518
64$37,925,375$6,588,542$3,508,977$20,478,086
65$41,674,008$6,791,624$3,506,771$22,232,715
66$45,801,228$7,000,885$3,500,720$24,156,868
67$50,345,533$7,216,509$3,490,574$26,267,577
68$55,349,345$7,438,685$3,476,075$28,583,603
69$60,859,404$7,667,607$3,456,950$31,125,615
70$66,927,219$7,903,475$3,432,914$33,916,383
71$73,609,547$8,146,496$3,403,667$36,980,993
72$80,968,927$8,396,882$3,368,897$40,347,080
73$89,074,278$8,654,849$3,328,275$44,045,093
74$98,001,540$8,920,622$3,281,458$48,108,576
75$107,834,395$9,194,431$3,228,085$52,574,488
76$118,665,058$9,476,513$3,167,781$57,483,551
77$130,595,142$9,767,110$3,100,150$62,880,629
78$143,736,622$10,066,474$3,024,780$68,815,155
79$158,212,887$10,374,861$2,941,240$75,341,597
80$174,159,908$10,692,535$2,849,078$82,519,967
81$191,727,518$11,019,769$2,747,821$90,416,391
82$211,080,829$11,356,841$2,636,977$99,103,730
83$232,401,785$11,704,038$2,516,028$108,662,265
84$255,890,887$12,061,656$2,384,434$119,180,459
85$281,769,077$12,429,996$2,241,632$130,755,786
86$310,279,827$12,809,371$2,087,032$143,495,653
87$341,691,439$13,200,099$1,920,017$157,518,413
88$376,299,572$13,602,510$1,739,943$172,954,477
89$414,430,036$14,016,941$1,546,139$189,947,550
90$456,441,867$14,443,738$1,337,902$208,655,983
91$502,730,713$14,883,257$1,114,497$229,254,266
92$553,732,573$15,335,864$875,160$251,934,677
93$609,927,907$15,801,933$619,089$276,909,093
94$671,846,175$16,281,849$345,450$304,410,991
95$740,070,834$16,776,009$53,372$334,697,650
96$815,244,843$17,284,817$0$368,052,579
97$898,076,734$17,808,690$0$404,821,267
98$989,347,302$18,348,057$0$445,324,348
99$1,089,916,969$18,903,354$0$489,934,477
100$1,200,733,915$19,475,033$0$539,069,835