Can I retire at age 35 with 2,480,000?

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 $2,480,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$204,796$202,972$201,192$199,455$197,759$190,288
2 years$101,384$99,496$97,666$95,892$94,171$86,731
3 years$66,918$65,022$63,196$61,439$59,746$52,571
4 years$49,688$47,798$45,991$44,263$42,611$35,756
5 years$39,353$37,474$35,691$33,998$32,392$25,874
6 years$32,465$30,600$28,843$27,189$25,631$19,455
7 years$27,548$25,698$23,969$22,353$20,845$15,009
8 years$23,861$22,028$20,328$18,752$17,293$11,791
9 years$20,995$19,179$17,508$15,972$14,563$9,388
10 years$18,703$16,906$15,264$13,768$12,408$7,551
11 years$16,830$15,050$13,438$11,983$10,672$6,121
12 years$15,270$13,508$11,926$10,510$9,248$4,992
13 years$13,950$12,207$10,655$9,279$8,064$4,091
14 years$12,821$11,096$9,574$8,237$7,069$3,365
15 years$11,842$10,137$8,644$7,346$6,224$2,777
16 years$10,987$9,300$7,837$6,577$5,501$2,298
17 years$10,234$8,565$7,131$5,910$4,878$1,905
18 years$9,564$7,915$6,510$5,326$4,337$1,583
19 years$8,966$7,335$5,959$4,812$3,866$1,316
20 years$8,429$6,816$5,469$4,359$3,453$1,096
21 years$7,943$6,349$5,031$3,956$3,090$914
22 years$7,502$5,927$4,637$3,597$2,770$762
23 years$7,100$5,543$4,281$3,275$2,486$636
24 years$6,732$5,193$3,959$2,987$2,235$531
25 years$6,394$4,874$3,667$2,728$2,011$444
26 years$6,082$4,581$3,401$2,495$1,811$371
27 years$5,794$4,311$3,158$2,283$1,633$310
28 years$5,527$4,062$2,936$2,092$1,474$259
29 years$5,279$3,832$2,732$1,918$1,331$217
30 years$5,048$3,619$2,545$1,761$1,202$182
31 years$4,832$3,421$2,373$1,617$1,087$152
32 years$4,631$3,237$2,214$1,486$983$127
33 years$4,441$3,066$2,067$1,367$890$106
34 years$4,264$2,905$1,931$1,257$806$89
35 years$4,096$2,756$1,805$1,157$730$75
36 years$3,939$2,616$1,689$1,066$661$62
37 years$3,790$2,484$1,581$982$599$52
38 years$3,650$2,361$1,480$905$543$44
39 years$3,517$2,245$1,387$835$493$37
40 years$3,391$2,136$1,300$770$447$31
41 years$3,271$2,033$1,219$710$405$26
42 years$3,157$1,936$1,143$656$368$22
43 years$3,049$1,845$1,073$605$334$18
44 years$2,947$1,759$1,007$559$303$15
45 years$2,849$1,677$946$516$275$13
46 years$2,755$1,600$888$477$250$11
47 years$2,666$1,527$834$440$227$9
48 years$2,581$1,457$784$407$206$7
49 years$2,499$1,392$737$376$187$6
50 years$2,421$1,330$693$348$170$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,480,000, adding $3,861 every year, while hoping to spend $22,071 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: 65/12/23 Blend
34$2,480,000$2,480,000$2,480,000$2,480,000
35$2,736,943$2,605,503$2,567,063$2,898,338
36$2,992,627$2,709,689$2,629,576$3,111,654
37$3,273,652$2,818,241$2,693,444$3,341,857
38$3,582,579$2,931,348$2,758,688$3,592,949
39$3,922,229$3,049,211$2,825,331$3,866,981
40$4,295,711$3,172,037$2,893,394$4,166,212
41$4,706,451$3,300,045$2,962,900$4,493,127
42$5,158,223$3,433,461$3,033,871$4,850,465
43$5,655,184$3,572,523$3,106,329$5,241,238
44$6,201,916$3,717,480$3,180,294$5,668,765
45$6,803,467$3,868,592$3,255,790$6,136,700
46$7,465,399$4,026,131$3,332,836$6,649,064
47$8,193,838$4,190,380$3,411,455$7,210,290
48$8,995,538$4,361,637$3,491,668$7,825,256
49$9,877,939$4,540,213$3,573,494$8,499,334
50$10,849,236$4,726,432$3,656,954$9,238,443
51$11,918,465$4,920,633$3,742,068$10,049,101
52$13,095,577$5,123,172$3,828,856$10,938,486
53$14,391,539$5,334,421$3,917,336$11,914,505
54$15,818,436$5,554,768$4,007,527$12,985,867
55$17,389,583$5,784,619$4,099,446$14,162,167
56$19,119,655$6,024,399$4,193,111$15,453,972
57$21,024,818$6,274,553$4,288,539$16,872,923
58$23,122,889$6,535,545$4,385,744$18,431,845
59$25,433,500$6,807,863$4,484,743$20,144,864
60$27,978,283$7,092,015$4,585,548$22,027,544
61$30,781,077$7,388,533$4,688,173$24,097,030
62$33,868,150$7,697,974$4,792,630$26,372,211
63$37,268,448$8,020,921$4,898,930$28,873,897
64$41,013,867$8,357,983$5,007,081$31,625,014
65$45,139,555$8,709,799$5,117,093$34,650,823
66$49,684,246$9,077,035$5,228,971$37,979,152
67$54,690,620$9,460,390$5,342,722$41,640,663
68$60,205,709$9,860,595$5,458,349$45,669,139
69$66,281,341$10,278,415$5,575,854$50,101,800
70$72,974,629$10,714,648$5,695,237$54,979,658
71$80,348,510$11,170,134$5,816,495$60,347,898
72$88,472,335$11,645,749$5,939,626$66,256,309
73$97,422,532$12,142,409$6,064,622$72,759,747
74$107,283,319$12,661,076$6,191,475$79,918,658
75$118,147,502$13,202,753$6,320,174$87,799,643
76$130,117,352$13,768,492$6,450,705$96,476,088
77$143,305,569$14,359,396$6,583,051$106,028,855
78$157,836,346$14,976,615$6,717,192$116,547,043
79$173,846,541$15,621,357$6,853,105$128,128,830
80$191,486,969$16,294,884$6,990,765$140,882,399
81$210,923,825$16,998,519$7,130,141$154,926,954
82$232,340,254$17,733,645$7,271,199$170,393,848
83$255,938,078$18,501,711$7,413,902$187,427,821
84$281,939,702$19,304,235$7,558,208$206,188,362
85$310,590,213$20,142,805$7,704,070$226,851,217
86$342,159,696$21,019,084$7,851,438$249,610,043
87$376,945,779$21,934,812$8,000,254$274,678,239
88$415,276,444$22,891,814$8,150,459$302,290,954
89$457,513,126$23,891,998$8,301,984$332,707,307
90$504,054,122$24,937,363$8,454,758$366,212,834
91$555,338,352$26,030,003$8,608,701$403,122,178
92$611,849,500$27,172,109$8,763,729$443,782,058
93$674,120,585$28,365,978$8,919,749$488,574,542
94$742,738,986$29,614,013$9,076,663$537,920,651
95$818,351,995$30,918,732$9,234,363$592,284,331
96$901,672,920$32,282,771$9,392,736$652,176,829
97$993,487,824$33,708,893$9,551,659$718,161,522
98$1,094,662,943$35,199,989$9,711,000$790,859,226
99$1,206,152,863$36,759,089$9,870,619$870,954,062
100$1,329,009,535$38,389,365$10,030,365$959,199,905