Can I retire at age 35 with 2,530,000?

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 $2,530,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$208,925$207,064$205,248$203,476$201,746$197,915
2 years$103,428$101,502$99,635$97,825$96,069$92,225
3 years$68,267$66,333$64,471$62,677$60,950$57,212
4 years$50,690$48,762$46,918$45,156$43,470$39,867
5 years$40,147$38,230$36,410$34,684$33,045$29,587
6 years$33,120$31,217$29,425$27,737$26,148$22,839
7 years$28,103$26,216$24,452$22,804$21,265$18,106
8 years$24,342$22,472$20,737$19,130$17,641$14,631
9 years$21,418$19,566$17,861$16,294$14,857$11,994
10 years$19,080$17,247$15,572$14,046$12,659$9,940
11 years$17,169$15,354$13,709$12,224$10,887$8,309
12 years$15,577$13,781$12,167$10,722$9,434$6,995
13 years$14,232$12,454$10,870$9,466$8,227$5,921
14 years$13,079$11,320$9,767$8,403$7,212$5,035
15 years$12,081$10,341$8,818$7,494$6,350$4,298
16 years$11,209$9,488$7,995$6,710$5,612$3,681
17 years$10,440$8,738$7,275$6,029$4,976$3,161
18 years$9,757$8,074$6,641$5,433$4,424$2,720
19 years$9,147$7,483$6,080$4,909$3,943$2,345
20 years$8,599$6,954$5,580$4,446$3,522$2,026
21 years$8,103$6,477$5,132$4,035$3,152$1,752
22 years$7,653$6,046$4,730$3,669$2,825$1,517
23 years$7,243$5,655$4,367$3,342$2,536$1,315
24 years$6,868$5,298$4,039$3,048$2,280$1,141
25 years$6,523$4,972$3,741$2,783$2,051$990
26 years$6,205$4,673$3,470$2,545$1,848$861
27 years$5,911$4,398$3,222$2,329$1,666$748
28 years$5,639$4,144$2,995$2,134$1,503$651
29 years$5,386$3,909$2,787$1,957$1,357$566
30 years$5,150$3,692$2,596$1,796$1,226$493
31 years$4,930$3,490$2,420$1,650$1,109$429
32 years$4,724$3,302$2,258$1,516$1,003$374
33 years$4,531$3,127$2,109$1,394$908$326
34 years$4,350$2,964$1,970$1,283$822$284
35 years$4,179$2,811$1,842$1,181$744$247
36 years$4,018$2,668$1,723$1,088$674$215
37 years$3,867$2,534$1,613$1,002$611$188
38 years$3,723$2,409$1,510$924$554$164
39 years$3,587$2,290$1,415$852$503$143
40 years$3,459$2,179$1,326$785$456$125
41 years$3,337$2,074$1,244$725$414$109
42 years$3,221$1,975$1,167$669$375$95
43 years$3,111$1,882$1,095$617$341$83
44 years$3,006$1,794$1,027$570$309$72
45 years$2,906$1,711$965$526$281$63
46 years$2,811$1,632$906$486$255$55
47 years$2,720$1,558$851$449$231$48
48 years$2,633$1,487$800$415$210$42
49 years$2,550$1,420$752$384$191$36
50 years$2,470$1,356$707$355$173$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,530,000, adding $4,619 every year, while hoping to spend $45,977 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: 58/37/5 Blend
34$2,530,000$2,530,000$2,530,000$2,530,000
35$2,792,824$2,658,734$2,619,519$2,951,984
36$3,028,773$2,740,093$2,658,354$3,140,617
37$3,287,248$2,823,898$2,696,949$3,340,466
38$3,570,498$2,910,219$2,735,247$3,557,117
39$3,880,999$2,999,131$2,773,189$3,792,176
40$4,221,481$3,090,708$2,810,710$4,047,415
41$4,594,947$3,185,028$2,847,744$4,324,779
42$5,004,708$3,282,170$2,884,219$4,626,412
43$5,454,407$3,382,215$2,920,060$4,954,672
44$5,948,062$3,485,249$2,955,187$5,312,153
45$6,490,094$3,591,356$2,989,516$5,701,712
46$7,085,377$3,700,626$3,022,958$6,126,492
47$7,739,277$3,813,148$3,055,419$6,589,956
48$8,457,708$3,929,017$3,086,799$7,095,913
49$9,247,182$4,048,327$3,116,996$7,648,558
50$10,114,877$4,171,177$3,145,897$8,252,511
51$11,068,698$4,297,669$3,173,389$8,912,859
52$12,117,355$4,427,904$3,199,347$9,635,202
53$13,270,444$4,561,990$3,223,644$10,425,709
54$14,538,538$4,700,036$3,246,144$11,291,172
55$15,933,284$4,842,153$3,266,705$12,239,073
56$17,467,516$4,988,455$3,285,177$13,277,651
57$19,155,374$5,139,062$3,301,402$14,415,982
58$21,012,439$5,294,092$3,315,215$15,664,062
59$23,055,875$5,453,670$3,326,443$17,032,903
60$25,304,597$5,617,923$3,334,901$18,534,633
61$27,779,445$5,786,980$3,340,400$20,182,614
62$30,503,382$5,960,975$3,342,736$21,991,563
63$33,501,709$6,140,045$3,341,700$23,977,694
64$36,802,305$6,324,329$3,337,068$26,158,871
65$40,435,889$6,513,970$3,328,610$28,554,772
66$44,436,311$6,709,117$3,316,080$31,187,075
67$48,840,870$6,909,918$3,299,223$34,079,667
68$53,690,662$7,116,528$3,277,771$37,258,862
69$59,030,977$7,329,105$3,251,443$40,753,653
70$64,911,715$7,547,809$3,219,945$44,595,982
71$71,387,866$7,772,808$3,182,969$48,821,046
72$78,520,021$8,004,268$3,140,191$53,467,620
73$86,374,949$8,242,364$3,091,274$58,578,432
74$95,026,226$8,487,271$3,035,863$64,200,558
75$104,554,926$8,739,172$2,973,589$70,385,870
76$115,050,387$8,998,251$2,904,064$77,191,520
77$126,611,058$9,264,696$2,826,881$84,680,486
78$139,345,421$9,538,702$2,741,617$92,922,160
79$153,373,021$9,820,465$2,647,828$101,993,002
80$168,825,588$10,110,187$2,545,049$111,977,266
81$185,848,286$10,408,073$2,432,796$122,967,787
82$204,601,077$10,714,335$2,310,560$135,066,865
83$225,260,235$11,029,186$2,177,812$148,387,223
84$248,020,007$11,352,844$2,033,998$163,053,071
85$273,094,448$11,685,534$1,878,537$179,201,284
86$300,719,439$12,027,482$1,710,824$196,982,682
87$331,154,913$12,378,920$1,530,229$216,563,465
88$364,687,312$12,740,084$1,336,089$238,126,771
89$401,632,285$13,111,215$1,127,715$261,874,410
90$442,337,671$13,492,559$904,387$288,028,765
91$487,186,782$13,884,363$665,352$316,834,891
92$536,602,019$14,286,881$409,826$348,562,829
93$591,048,858$14,700,372$136,989$383,510,151
94$651,040,248$15,125,097$0$422,004,772
95$717,141,449$15,561,322$0$464,416,265
96$789,975,368$16,009,318$0$511,142,936
97$870,228,440$16,469,358$0$562,616,315
98$958,657,105$16,941,722$0$619,319,998
99$1,056,094,954$17,426,690$0$681,786,892
100$1,163,460,590$17,924,549$0$750,604,243