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%13%
1 years$213,880$211,975$210,116$208,302$206,530$203,949
2 years$105,881$103,909$101,998$100,145$98,348$95,751
3 years$69,886$67,906$65,999$64,164$62,396$59,864
4 years$51,892$49,918$48,031$46,226$44,501$42,053
5 years$41,099$39,136$37,274$35,506$33,829$31,472
6 years$33,905$31,958$30,123$28,395$26,768$24,505
7 years$28,769$26,838$25,032$23,345$21,769$19,602
8 years$24,919$23,005$21,229$19,583$18,060$15,987
9 years$21,926$20,030$18,285$16,681$15,209$13,230
10 years$19,533$17,656$15,941$14,379$12,959$11,072
11 years$17,576$15,718$14,034$12,514$11,145$9,349
12 years$15,947$14,107$12,455$10,976$9,658$7,951
13 years$14,569$12,749$11,128$9,691$8,422$6,802
14 years$13,389$11,588$9,998$8,602$7,383$5,847
15 years$12,368$10,586$9,027$7,672$6,500$5,046
16 years$11,475$9,713$8,184$6,869$5,745$4,370
17 years$10,688$8,945$7,448$6,172$5,094$3,795
18 years$9,989$8,266$6,799$5,562$4,529$3,304
19 years$9,364$7,660$6,224$5,026$4,037$2,883
20 years$8,803$7,118$5,712$4,552$3,606$2,520
21 years$8,295$6,631$5,254$4,131$3,227$2,206
22 years$7,835$6,189$4,842$3,756$2,892$1,933
23 years$7,415$5,789$4,471$3,421$2,596$1,697
24 years$7,030$5,424$4,135$3,120$2,334$1,491
25 years$6,677$5,090$3,830$2,849$2,100$1,311
26 years$6,352$4,784$3,552$2,605$1,892$1,153
27 years$6,051$4,502$3,298$2,385$1,705$1,015
28 years$5,773$4,242$3,066$2,185$1,539$895
29 years$5,513$4,002$2,853$2,004$1,390$789
30 years$5,272$3,780$2,658$1,839$1,256$696
31 years$5,047$3,573$2,478$1,689$1,135$614
32 years$4,836$3,381$2,312$1,552$1,027$542
33 years$4,638$3,202$2,159$1,427$929$478
34 years$4,453$3,034$2,017$1,313$841$422
35 years$4,278$2,878$1,886$1,209$762$373
36 years$4,114$2,732$1,764$1,113$690$330
37 years$3,958$2,594$1,651$1,026$626$291
38 years$3,811$2,466$1,546$945$567$257
39 years$3,673$2,345$1,448$872$514$228
40 years$3,541$2,231$1,358$804$467$201
41 years$3,416$2,123$1,273$742$423$178
42 years$3,297$2,022$1,194$685$384$157
43 years$3,185$1,927$1,121$632$349$139
44 years$3,077$1,837$1,052$584$316$123
45 years$2,975$1,751$988$539$287$109
46 years$2,877$1,671$928$498$261$96
47 years$2,784$1,594$871$460$237$85
48 years$2,695$1,522$819$425$215$75
49 years$2,610$1,454$770$393$195$67
50 years$2,529$1,388$724$363$177$59

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 $4,900 every year, while hoping to spend $33,405 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: 24/50/26 Blend
34$2,590,000$2,590,000$2,590,000$2,590,000
35$2,859,234$2,721,964$2,681,819$2,904,221
36$3,115,334$2,819,798$2,736,118$3,040,200
37$3,396,435$2,921,306$2,791,115$3,182,630
38$3,705,055$3,026,633$2,846,801$3,334,527
39$4,043,962$3,135,929$2,903,160$3,496,700
40$4,416,209$3,249,353$2,960,179$3,670,035
41$4,825,158$3,367,066$3,017,840$3,855,502
42$5,274,512$3,489,241$3,076,126$4,054,165
43$5,768,351$3,616,053$3,135,015$4,267,191
44$6,311,172$3,747,688$3,194,487$4,495,859
45$6,907,925$3,884,338$3,254,516$4,741,575
46$7,564,066$4,026,204$3,315,075$5,005,878
47$8,285,608$4,173,495$3,376,137$5,290,462
48$9,079,172$4,326,428$3,437,670$5,597,182
49$9,952,055$4,485,231$3,499,639$5,928,080
50$10,912,296$4,650,139$3,562,009$6,285,395
51$11,968,754$4,821,399$3,624,740$6,671,589
52$13,131,188$4,999,269$3,687,790$7,089,367
53$14,410,351$5,184,015$3,751,113$7,541,701
54$15,818,092$5,375,917$3,814,660$8,031,858
55$17,367,466$5,575,265$3,878,379$8,563,429
56$19,072,857$5,782,363$3,942,215$9,140,364
57$20,950,117$5,997,527$4,006,108$9,767,004
58$23,016,710$6,221,087$4,069,993$10,448,124
59$25,291,881$6,453,386$4,133,804$11,188,977
60$27,796,833$6,694,783$4,197,468$11,995,338
61$30,554,935$6,945,652$4,260,907$12,873,564
62$33,591,931$7,206,382$4,324,041$13,830,647
63$36,936,194$7,477,380$4,386,782$14,874,280
64$40,618,985$7,759,071$4,449,038$16,012,929
65$44,674,752$8,051,896$4,510,712$17,255,912
66$49,141,456$8,356,318$4,571,699$18,613,481
67$54,060,924$8,672,818$4,631,891$20,096,924
68$59,479,250$9,001,898$4,691,171$21,718,664
69$65,447,225$9,344,082$4,749,417$23,492,375
70$72,020,817$9,699,917$4,806,498$25,433,112
71$79,261,703$10,069,975$4,862,278$27,557,451
72$87,237,843$10,454,851$4,916,611$29,883,639
73$96,024,131$10,855,166$4,969,345$32,431,769
74$105,703,092$11,271,570$5,020,318$35,223,965
75$116,365,670$11,704,739$5,069,361$38,284,589
76$128,112,077$12,155,380$5,116,294$41,640,468
77$141,052,747$12,624,232$5,160,928$45,321,146
78$155,309,373$13,112,064$5,203,064$49,359,159
79$171,016,055$13,619,682$5,242,493$53,790,341
80$188,320,571$14,147,924$5,278,994$58,654,155
81$207,385,764$14,697,668$5,312,336$63,994,070
82$228,391,088$15,269,829$5,342,274$69,857,962
83$251,534,291$15,865,363$5,368,553$76,298,565
84$277,033,291$16,485,268$5,390,902$83,373,964
85$305,128,229$17,130,588$5,409,039$91,148,142
86$336,083,732$17,802,411$5,422,666$99,691,582
87$370,191,418$18,501,875$5,431,471$109,081,922
88$407,772,643$19,230,167$5,435,126$119,404,690
89$449,181,537$19,988,529$5,433,286$130,754,105
90$494,808,344$20,778,258$5,425,592$143,233,962
91$545,083,111$21,600,708$5,411,664$156,958,610
92$600,479,739$22,457,293$5,391,106$172,054,020
93$661,520,465$23,349,493$5,363,501$188,658,979
94$728,780,786$24,278,852$5,328,412$206,926,388
95$802,894,895$25,246,985$5,285,383$227,024,701
96$884,561,665$26,255,578$5,233,934$249,139,513
97$974,551,248$27,306,394$5,173,563$273,475,304
98$1,073,712,343$28,401,275$5,103,745$300,257,363
99$1,182,980,211$29,542,147$5,023,930$329,733,911
100$1,303,385,502$30,731,021$4,933,541$362,178,434