Can I retire at age 35 with 2,510,000?

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 $2,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$207,273$205,427$203,626$201,868$200,151$198,557
2 years$102,611$100,700$98,848$97,052$95,310$93,703
3 years$67,728$65,808$63,961$62,182$60,469$58,899
4 years$50,289$48,376$46,547$44,799$43,127$41,606
5 years$39,829$37,927$36,122$34,410$32,784$31,317
6 years$32,858$30,971$29,192$27,518$25,941$24,529
7 years$27,881$26,009$24,259$22,624$21,097$19,741
8 years$24,149$22,295$20,574$18,979$17,502$16,202
9 years$21,249$19,411$17,720$16,166$14,739$13,495
10 years$18,930$17,110$15,449$13,935$12,559$11,369
11 years$17,033$15,232$13,601$12,127$10,801$9,666
12 years$15,454$13,672$12,070$10,637$9,360$8,278
13 years$14,119$12,355$10,784$9,391$8,162$7,132
14 years$12,976$11,230$9,690$8,337$7,155$6,175
15 years$11,986$10,259$8,748$7,435$6,300$5,369
16 years$11,120$9,413$7,932$6,657$5,568$4,685
17 years$10,357$8,669$7,217$5,981$4,937$4,100
18 years$9,680$8,010$6,589$5,390$4,389$3,598
19 years$9,075$7,424$6,032$4,871$3,912$3,164
20 years$8,531$6,899$5,535$4,411$3,495$2,788
21 years$8,039$6,426$5,092$4,003$3,127$2,460
22 years$7,593$5,998$4,693$3,640$2,803$2,175
23 years$7,186$5,610$4,333$3,315$2,516$1,925
24 years$6,813$5,256$4,007$3,024$2,262$1,705
25 years$6,471$4,933$3,711$2,761$2,035$1,512
26 years$6,156$4,636$3,442$2,525$1,833$1,342
27 years$5,864$4,363$3,196$2,311$1,653$1,192
28 years$5,594$4,111$2,971$2,117$1,491$1,060
29 years$5,343$3,878$2,765$1,942$1,347$943
30 years$5,109$3,663$2,576$1,782$1,217$839
31 years$4,891$3,463$2,401$1,637$1,100$747
32 years$4,687$3,276$2,240$1,504$995$665
33 years$4,495$3,103$2,092$1,383$901$593
34 years$4,315$2,941$1,954$1,273$815$528
35 years$4,146$2,789$1,827$1,171$738$471
36 years$3,986$2,647$1,709$1,079$669$420
37 years$3,836$2,514$1,600$994$606$375
38 years$3,694$2,390$1,498$916$550$334
39 years$3,559$2,272$1,404$845$499$298
40 years$3,432$2,162$1,316$779$452$266
41 years$3,311$2,058$1,234$719$410$238
42 years$3,196$1,960$1,157$664$372$212
43 years$3,086$1,867$1,086$612$338$189
44 years$2,982$1,780$1,019$566$307$169
45 years$2,883$1,697$957$522$278$151
46 years$2,789$1,619$899$482$253$135
47 years$2,698$1,545$845$446$230$120
48 years$2,612$1,475$794$412$208$108
49 years$2,530$1,409$746$381$189$96
50 years$2,451$1,346$701$352$172$86

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,510,000, adding $4,060 every year, while hoping to spend $23,288 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: 75/5/20 Blend
34$2,510,000$2,510,000$2,510,000$2,510,000
35$2,770,208$2,637,178$2,598,273$2,964,601
36$3,027,991$2,741,621$2,660,537$3,198,488
37$3,311,287$2,850,402$2,724,106$3,451,544
38$3,622,675$2,963,708$2,789,000$3,728,331
39$3,964,993$3,081,735$2,855,237$4,031,210
40$4,341,371$3,204,689$2,922,836$4,362,782
41$4,755,257$3,332,785$2,991,817$4,725,911
42$5,210,447$3,466,245$3,062,197$5,123,751
43$5,711,126$3,605,305$3,133,994$5,559,778
44$6,261,905$3,750,209$3,207,227$6,037,817
45$6,867,863$3,901,213$3,281,913$6,562,085
46$7,534,597$4,058,584$3,358,069$7,137,224
47$8,268,274$4,222,603$3,435,712$7,768,351
48$9,075,688$4,393,560$3,514,858$8,461,098
49$9,964,325$4,571,762$3,595,523$9,221,675
50$10,942,436$4,757,527$3,677,722$10,056,917
51$12,019,109$4,951,190$3,761,470$10,974,358
52$13,204,359$5,153,100$3,846,781$11,982,298
53$14,509,223$5,363,622$3,933,668$13,089,880
54$15,945,861$5,583,136$4,022,143$14,307,176
55$17,527,672$5,812,043$4,112,218$15,645,284
56$19,269,421$6,050,759$4,203,903$17,116,431
57$21,187,376$6,299,721$4,297,209$18,734,090
58$23,299,466$6,559,385$4,392,143$20,513,103
59$25,625,445$6,830,228$4,488,713$22,469,824
60$28,187,081$7,112,750$4,586,926$24,622,272
61$31,008,361$7,407,473$4,686,785$26,990,299
62$34,115,717$7,714,942$4,788,295$29,595,783
63$37,538,275$8,035,729$4,891,458$32,462,826
64$41,308,130$8,370,431$4,996,273$35,617,986
65$45,460,651$8,719,673$5,102,740$39,090,528
66$50,034,810$9,084,110$5,210,854$42,912,697
67$55,073,555$9,464,425$5,320,612$47,120,023
68$60,624,210$9,861,334$5,432,005$51,751,657
69$66,738,926$10,275,586$5,545,023$56,850,739
70$73,475,171$10,707,965$5,659,656$62,464,804
71$80,896,273$11,159,289$5,775,889$68,646,234
72$89,072,016$11,630,418$5,893,704$75,452,747
73$98,079,300$12,122,247$6,013,083$82,947,944
74$108,002,870$12,635,718$6,134,002$91,201,910
75$118,936,106$13,171,812$6,256,435$100,291,872
76$130,981,917$13,731,559$6,380,353$110,302,931
77$144,253,702$14,316,034$6,505,724$121,328,862
78$158,876,425$14,926,365$6,632,511$133,473,000
79$174,987,794$15,563,731$6,760,674$146,849,214
80$192,739,561$16,229,366$6,890,169$161,582,983
81$212,298,954$16,924,562$7,020,947$177,812,577
82$233,850,253$17,650,672$7,152,955$195,690,366
83$257,596,534$18,409,110$7,286,134$215,384,254
84$283,761,582$19,201,358$7,420,421$237,079,264
85$312,592,007$20,028,968$7,555,749$260,979,287
86$344,359,568$20,893,564$7,692,042$287,309,001
87$379,363,740$21,796,844$7,829,222$316,315,997
88$417,934,541$22,740,590$7,967,201$348,273,109
89$460,435,649$23,726,664$8,105,887$383,480,996
90$507,267,831$24,757,016$8,245,180$422,270,974
91$558,872,730$25,833,690$8,384,973$465,008,147
92$615,737,031$26,958,823$8,525,153$512,094,848
93$678,397,058$28,134,655$8,665,595$563,974,442
94$747,443,836$29,363,531$8,806,170$621,135,507
95$823,528,669$30,647,906$8,946,739$684,116,446
96$907,369,290$31,990,350$9,087,151$753,510,570
97$999,756,636$33,393,556$9,227,250$829,971,698
98$1,101,562,315$34,860,343$9,366,865$914,220,327
99$1,213,746,835$36,393,663$9,505,818$1,007,050,434
100$1,337,368,668$37,996,609$9,643,919$1,109,336,971