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

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$213,880$211,975$210,116$208,302$206,530$204,714
2 years$105,881$103,909$101,998$100,145$98,348$96,518
3 years$69,886$67,906$65,999$64,164$62,396$60,609
4 years$51,892$49,918$48,031$46,226$44,501$42,771
5 years$41,099$39,136$37,274$35,506$33,829$32,160
6 years$33,905$31,958$30,123$28,395$26,768$25,162
7 years$28,769$26,838$25,032$23,345$21,769$20,228
8 years$24,919$23,005$21,229$19,583$18,060$16,583
9 years$21,926$20,030$18,285$16,681$15,209$13,796
10 years$19,533$17,656$15,941$14,379$12,959$11,609
11 years$17,576$15,718$14,034$12,514$11,145$9,857
12 years$15,947$14,107$12,455$10,976$9,658$8,431
13 years$14,569$12,749$11,128$9,691$8,422$7,255
14 years$13,389$11,588$9,998$8,602$7,383$6,273
15 years$12,368$10,586$9,027$7,672$6,500$5,447
16 years$11,475$9,713$8,184$6,869$5,745$4,747
17 years$10,688$8,945$7,448$6,172$5,094$4,148
18 years$9,989$8,266$6,799$5,562$4,529$3,635
19 years$9,364$7,660$6,224$5,026$4,037$3,192
20 years$8,803$7,118$5,712$4,552$3,606$2,808
21 years$8,295$6,631$5,254$4,131$3,227$2,475
22 years$7,835$6,189$4,842$3,756$2,892$2,184
23 years$7,415$5,789$4,471$3,421$2,596$1,930
24 years$7,030$5,424$4,135$3,120$2,334$1,707
25 years$6,677$5,090$3,830$2,849$2,100$1,512
26 years$6,352$4,784$3,552$2,605$1,892$1,340
27 years$6,051$4,502$3,298$2,385$1,705$1,188
28 years$5,773$4,242$3,066$2,185$1,539$1,055
29 years$5,513$4,002$2,853$2,004$1,390$936
30 years$5,272$3,780$2,658$1,839$1,256$832
31 years$5,047$3,573$2,478$1,689$1,135$739
32 years$4,836$3,381$2,312$1,552$1,027$658
33 years$4,638$3,202$2,159$1,427$929$585
34 years$4,453$3,034$2,017$1,313$841$520
35 years$4,278$2,878$1,886$1,209$762$463
36 years$4,114$2,732$1,764$1,113$690$412
37 years$3,958$2,594$1,651$1,026$626$367
38 years$3,811$2,466$1,546$945$567$327
39 years$3,673$2,345$1,448$872$514$291
40 years$3,541$2,231$1,358$804$467$260
41 years$3,416$2,123$1,273$742$423$231
42 years$3,297$2,022$1,194$685$384$206
43 years$3,185$1,927$1,121$632$349$184
44 years$3,077$1,837$1,052$584$316$164
45 years$2,975$1,751$988$539$287$146
46 years$2,877$1,671$928$498$261$130
47 years$2,784$1,594$871$460$237$116
48 years$2,695$1,522$819$425$215$103
49 years$2,610$1,454$770$393$195$92
50 years$2,529$1,388$724$363$177$82

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 $6,862 every year, while hoping to spend $36,810 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: 47/29/24 Blend
34$2,590,000$2,590,000$2,590,000$2,590,000
35$2,861,258$2,723,988$2,683,843$2,975,828
36$3,113,941$2,818,298$2,734,586$3,151,225
37$3,391,164$2,915,995$2,785,796$3,337,319
38$3,695,390$3,017,207$2,837,448$3,538,581
39$4,029,336$3,122,066$2,889,518$3,756,451
40$4,395,990$3,230,709$2,941,978$3,992,513
41$4,798,645$3,343,278$2,994,799$4,248,509
42$5,240,931$3,459,923$3,047,949$4,526,356
43$5,726,844$3,580,797$3,101,394$4,828,161
44$6,260,788$3,706,062$3,155,096$5,156,247
45$6,847,612$3,835,883$3,209,016$5,513,165
46$7,492,662$3,970,434$3,263,111$5,901,726
47$8,201,824$4,109,896$3,317,336$6,325,023
48$8,981,586$4,254,457$3,371,642$6,786,462
49$9,839,093$4,404,311$3,425,978$7,289,789
50$10,782,220$4,559,661$3,480,287$7,839,132
51$11,819,641$4,720,720$3,534,512$8,439,033
52$12,960,915$4,887,705$3,588,588$9,094,494
53$14,216,572$5,060,846$3,642,450$9,811,022
54$15,598,216$5,240,381$3,696,025$10,594,683
55$17,118,632$5,426,558$3,749,240$11,452,154
56$18,791,906$5,619,633$3,802,013$12,390,791
57$20,633,559$5,819,874$3,854,260$13,418,693
58$22,660,696$6,027,561$3,905,891$14,544,781
59$24,892,159$6,242,984$3,956,811$15,778,881
60$27,348,714$6,466,445$4,006,918$17,131,813
61$30,053,241$6,698,259$4,056,108$18,615,499
62$33,030,950$6,938,752$4,104,266$20,243,067
63$36,309,623$7,188,267$4,151,275$22,028,982
64$39,919,870$7,447,157$4,197,008$23,989,174
65$43,895,422$7,715,793$4,241,333$26,141,194
66$48,273,447$7,994,560$4,284,110$28,504,375
67$53,094,903$8,283,858$4,325,193$31,100,017
68$58,404,921$8,584,104$4,364,424$33,951,584
69$64,253,233$8,895,735$4,401,642$37,084,924
70$70,694,639$9,219,202$4,436,673$40,528,518
71$77,789,527$9,554,978$4,469,337$44,313,741
72$85,604,440$9,903,554$4,499,441$48,475,161
73$94,212,707$10,265,442$4,526,787$53,050,864
74$103,695,131$10,641,176$4,551,161$58,082,812
75$114,140,752$11,031,312$4,572,344$63,617,235
76$125,647,692$11,436,429$4,590,100$69,705,075
77$138,324,074$11,857,131$4,604,186$76,402,455
78$152,289,046$12,294,048$4,614,343$83,771,216
79$167,673,908$12,747,835$4,620,302$91,879,494
80$184,623,344$13,219,176$4,621,779$100,802,367
81$203,296,793$13,708,784$4,618,477$110,622,556
82$223,869,952$14,217,401$4,610,083$121,431,212
83$246,536,436$14,745,802$4,596,269$133,328,770
84$271,509,602$15,294,795$4,576,693$146,425,897
85$299,024,563$15,865,222$4,550,994$160,844,535
86$329,340,411$16,457,961$4,518,796$176,719,052
87$362,742,659$17,073,928$4,479,702$194,197,507
88$399,545,937$17,714,076$4,433,298$213,443,048
89$440,096,960$18,379,404$4,379,151$234,635,447
90$484,777,804$19,070,948$4,316,806$257,972,802
91$534,009,508$19,789,793$4,245,787$283,673,398
92$588,256,054$20,537,069$4,165,598$311,977,769
93$648,028,741$21,313,955$4,075,715$343,150,969
94$713,891,016$22,121,682$3,975,594$377,485,067
95$786,463,788$22,961,532$3,864,665$415,301,907
96$866,431,292$23,834,846$3,742,329$456,956,143
97$954,547,551$24,743,020$3,607,964$502,838,583
98$1,051,643,486$25,687,513$3,460,916$553,379,876
99$1,158,634,768$26,669,847$3,300,503$609,054,580
100$1,276,530,455$27,691,611$3,126,010$670,385,633