Can I retire at age 35 with 2,550,000?

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 $2,550,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$210,577$208,701$206,871$205,085$203,341$196,753
2 years$104,246$102,304$100,423$98,598$96,829$90,254
3 years$68,807$66,857$64,980$63,173$61,432$55,076
4 years$51,091$49,147$47,289$45,513$43,814$37,725
5 years$40,464$38,532$36,698$34,958$33,307$27,502
6 years$33,382$31,464$29,658$27,956$26,354$20,838
7 years$28,325$26,424$24,646$22,984$21,433$16,205
8 years$24,534$22,650$20,901$19,281$17,781$12,837
9 years$21,587$19,721$18,002$16,423$14,974$10,309
10 years$19,231$17,383$15,695$14,157$12,759$8,365
11 years$17,305$15,475$13,818$12,321$10,973$6,842
12 years$15,701$13,889$12,263$10,807$9,509$5,633
13 years$14,344$12,552$10,956$9,541$8,292$4,660
14 years$13,183$11,409$9,844$8,469$7,269$3,872
15 years$12,177$10,423$8,888$7,553$6,400$3,227
16 years$11,297$9,563$8,058$6,763$5,656$2,697
17 years$10,522$8,807$7,332$6,077$5,015$2,260
18 years$9,834$8,138$6,694$5,476$4,459$1,897
19 years$9,219$7,542$6,128$4,948$3,975$1,594
20 years$8,667$7,009$5,624$4,482$3,550$1,342
21 years$8,167$6,528$5,173$4,067$3,177$1,131
22 years$7,714$6,094$4,767$3,698$2,848$954
23 years$7,300$5,699$4,402$3,368$2,556$805
24 years$6,922$5,340$4,071$3,072$2,298$680
25 years$6,574$5,011$3,771$2,805$2,068$574
26 years$6,254$4,710$3,497$2,565$1,862$485
27 years$5,958$4,433$3,247$2,348$1,679$411
28 years$5,683$4,177$3,019$2,151$1,515$347
29 years$5,428$3,940$2,809$1,973$1,368$294
30 years$5,191$3,721$2,617$1,810$1,236$249
31 years$4,969$3,518$2,439$1,663$1,118$211
32 years$4,761$3,328$2,276$1,528$1,011$178
33 years$4,567$3,152$2,125$1,405$915$151
34 years$4,384$2,988$1,986$1,293$828$128
35 years$4,212$2,834$1,856$1,190$750$108
36 years$4,050$2,690$1,737$1,096$680$92
37 years$3,897$2,554$1,625$1,010$616$78
38 years$3,753$2,428$1,522$931$559$66
39 years$3,616$2,308$1,426$858$507$56
40 years$3,486$2,196$1,337$792$459$47
41 years$3,363$2,091$1,253$730$417$40
42 years$3,247$1,991$1,176$674$378$34
43 years$3,135$1,897$1,103$622$343$29
44 years$3,030$1,808$1,036$575$312$24
45 years$2,929$1,724$972$531$283$21
46 years$2,833$1,645$913$490$257$17
47 years$2,741$1,570$858$453$233$15
48 years$2,654$1,499$806$418$212$13
49 years$2,570$1,431$758$387$192$11
50 years$2,490$1,367$713$357$175$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,550,000, adding $4,903 every year, while hoping to spend $27,474 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: 66/26/8 Blend
34$2,550,000$2,550,000$2,550,000$2,550,000
35$2,815,157$2,680,007$2,640,482$2,996,362
36$3,073,071$2,782,096$2,699,706$3,219,525
37$3,356,372$2,888,265$2,759,994$3,459,593
38$3,667,619$2,998,688$2,821,351$3,721,237
39$4,009,634$3,113,541$2,883,784$4,006,560
40$4,385,523$3,233,011$2,947,297$4,317,871
41$4,798,711$3,357,293$3,011,896$4,657,715
42$5,252,969$3,486,590$3,077,584$5,028,890
43$5,752,451$3,621,113$3,144,363$5,434,476
44$6,301,738$3,761,083$3,212,235$5,877,865
45$6,905,871$3,906,732$3,281,201$6,362,787
46$7,570,408$4,058,301$3,351,260$6,893,350
47$8,301,473$4,216,041$3,422,410$7,474,077
48$9,105,811$4,380,214$3,494,648$8,109,945
49$9,990,855$4,551,097$3,567,971$8,806,434
50$10,964,796$4,728,974$3,642,372$9,569,581
51$12,036,657$4,914,146$3,717,843$10,406,028
52$13,216,382$5,106,925$3,794,377$11,323,094
53$14,514,927$5,307,638$3,871,962$12,328,834
54$15,944,363$5,516,626$3,950,586$13,432,120
55$17,517,992$5,734,245$4,030,235$14,642,724
56$19,250,472$5,960,867$4,110,892$15,971,406
57$21,157,952$6,196,882$4,192,539$17,430,017
58$23,258,229$6,442,695$4,275,155$19,031,611
59$25,570,913$6,698,731$4,358,717$20,790,563
60$28,117,611$6,965,434$4,443,199$22,722,708
61$30,922,134$7,243,267$4,528,573$24,845,489
62$34,010,719$7,532,714$4,614,808$27,178,118
63$37,412,277$7,834,282$4,701,869$29,741,758
64$41,158,667$8,148,499$4,789,719$32,559,721
65$45,284,994$8,475,919$4,878,318$35,657,688
66$49,829,943$8,817,119$4,967,621$39,063,950
67$54,836,142$9,172,702$5,057,581$42,809,672
68$60,350,565$9,543,301$5,148,147$46,929,187
69$66,424,975$9,929,575$5,239,262$51,460,318
70$73,116,412$10,332,214$5,330,867$56,444,736
71$80,487,733$10,751,940$5,422,898$61,928,348
72$88,608,202$11,189,505$5,515,285$67,961,734
73$97,554,146$11,645,699$5,607,955$74,600,615
74$107,409,676$12,121,345$5,700,829$81,906,386
75$118,267,478$12,617,306$5,793,821$89,946,687
76$130,229,689$13,134,482$5,886,843$98,796,043
77$143,408,862$13,673,816$5,979,796$108,536,566
78$157,929,026$14,236,294$6,072,580$119,258,725
79$173,926,860$14,822,945$6,165,085$131,062,201
80$191,552,979$15,434,848$6,257,194$144,056,825
81$210,973,357$16,073,130$6,348,784$158,363,610
82$232,370,896$16,738,970$6,439,725$174,115,896
83$255,947,149$17,433,602$6,529,878$191,460,602
84$281,924,225$18,158,314$6,619,095$210,559,610
85$310,546,881$18,914,457$6,707,220$231,591,295
86$342,084,840$19,703,443$6,794,089$254,752,202
87$376,835,329$20,526,747$6,879,526$280,258,899
88$415,125,890$21,385,915$6,963,348$308,350,020
89$457,317,469$22,282,563$7,045,358$339,288,513
90$503,807,824$23,218,382$7,125,351$373,364,122
91$555,035,281$24,195,141$7,203,109$410,896,112
92$611,482,868$25,214,691$7,278,401$452,236,289
93$673,682,880$26,278,971$7,350,987$497,772,307
94$742,221,899$27,390,006$7,420,611$547,931,333
95$817,746,335$28,549,917$7,487,003$603,184,069
96$900,968,523$29,760,926$7,549,879$664,049,195
97$992,673,454$31,025,353$7,608,942$731,098,259
98$1,093,726,182$32,345,631$7,663,878$804,961,069
99$1,205,079,989$33,724,303$7,714,354$886,331,633
100$1,327,785,388$35,164,034$7,760,024$975,974,709