Can I retire at age 35 with 2,560,000?

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 $2,560,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$211,402$209,519$207,682$205,889$204,138$199,527
2 years$104,655$102,706$100,817$98,985$97,209$92,588
3 years$69,077$67,119$65,235$63,421$61,673$57,187
4 years$51,291$49,340$47,474$45,691$43,986$39,669
5 years$40,623$38,683$36,842$35,095$33,437$29,302
6 years$33,513$31,588$29,774$28,066$26,458$22,508
7 years$28,436$26,527$24,742$23,074$21,517$17,753
8 years$24,630$22,739$20,983$19,357$17,851$14,271
9 years$21,672$19,798$18,073$16,488$15,033$11,636
10 years$19,307$17,451$15,756$14,212$12,809$9,590
11 years$17,373$15,536$13,872$12,369$11,016$7,971
12 years$15,762$13,944$12,311$10,849$9,546$6,671
13 years$14,400$12,601$10,999$9,578$8,324$5,613
14 years$13,234$11,454$9,883$8,503$7,297$4,744
15 years$12,224$10,464$8,923$7,583$6,425$4,025
16 years$11,342$9,600$8,090$6,790$5,678$3,425
17 years$10,564$8,841$7,361$6,100$5,035$2,922
18 years$9,873$8,170$6,720$5,498$4,477$2,498
19 years$9,256$7,572$6,152$4,968$3,990$2,140
20 years$8,701$7,036$5,646$4,499$3,564$1,835
21 years$8,199$6,554$5,193$4,083$3,190$1,577
22 years$7,744$6,118$4,786$3,713$2,859$1,356
23 years$7,329$5,722$4,419$3,381$2,566$1,167
24 years$6,949$5,361$4,087$3,084$2,307$1,005
25 years$6,600$5,031$3,785$2,816$2,076$867
26 years$6,278$4,728$3,511$2,575$1,870$747
27 years$5,981$4,450$3,260$2,357$1,686$645
28 years$5,706$4,193$3,031$2,160$1,521$557
29 years$5,450$3,956$2,820$1,980$1,373$481
30 years$5,211$3,736$2,627$1,817$1,241$416
31 years$4,988$3,532$2,449$1,669$1,122$359
32 years$4,780$3,342$2,285$1,534$1,015$310
33 years$4,585$3,164$2,134$1,411$918$268
34 years$4,401$2,999$1,993$1,298$832$232
35 years$4,229$2,845$1,864$1,195$753$201
36 years$4,066$2,700$1,743$1,100$682$174
37 years$3,912$2,564$1,632$1,014$619$150
38 years$3,767$2,437$1,528$935$561$130
39 years$3,630$2,317$1,432$862$509$113
40 years$3,500$2,205$1,342$795$461$97
41 years$3,376$2,099$1,258$733$418$84
42 years$3,259$1,999$1,180$677$380$73
43 years$3,148$1,905$1,108$625$345$63
44 years$3,042$1,815$1,040$577$313$55
45 years$2,941$1,731$976$533$284$47
46 years$2,844$1,651$917$492$258$41
47 years$2,752$1,576$861$455$234$35
48 years$2,664$1,504$809$420$213$31
49 years$2,580$1,437$761$388$193$27
50 years$2,499$1,372$715$359$175$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,560,000, adding $2,753 every year, while hoping to spend $30,068 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: 42/43/15 Blend
34$2,560,000$2,560,000$2,560,000$2,560,000
35$2,823,960$2,688,280$2,648,600$2,930,047
36$3,080,011$2,788,013$2,705,336$3,104,742
37$3,361,173$2,891,626$2,762,965$3,290,614
38$3,669,973$2,999,276$2,821,485$3,491,241
39$4,009,199$3,111,129$2,880,893$3,707,985
40$4,381,919$3,227,357$2,941,185$3,942,345
41$4,791,517$3,348,139$3,002,356$4,195,966
42$5,241,716$3,473,663$3,064,400$4,470,656
43$5,736,622$3,604,123$3,127,308$4,768,401
44$6,280,756$3,739,724$3,191,072$5,091,385
45$6,879,101$3,880,677$3,255,680$5,442,007
46$7,537,144$4,027,206$3,321,120$5,822,907
47$8,260,933$4,179,540$3,387,378$6,236,986
48$9,057,132$4,337,920$3,454,439$6,687,433
49$9,933,081$4,502,600$3,522,284$7,177,757
50$10,896,868$4,673,840$3,590,893$7,711,818
51$11,957,406$4,851,916$3,660,246$8,293,861
52$13,124,514$5,037,112$3,730,317$8,928,555
53$14,409,012$5,229,728$3,801,080$9,621,039
54$15,822,821$5,430,075$3,872,506$10,376,968
55$17,379,077$5,638,477$3,944,564$11,202,562
56$19,092,255$5,855,275$4,017,219$12,104,668
57$20,978,304$6,080,822$4,090,434$13,090,824
58$23,054,796$6,315,488$4,164,169$14,169,322
59$25,341,097$6,559,658$4,238,380$15,349,294
60$27,858,544$6,813,736$4,313,021$16,640,789
61$30,630,650$7,078,143$4,388,041$18,054,873
62$33,683,321$7,353,318$4,463,386$19,603,726
63$37,045,109$7,639,719$4,538,998$21,300,759
64$40,747,470$7,937,825$4,614,815$23,160,741
65$44,825,071$8,248,138$4,690,770$25,199,931
66$49,316,109$8,571,178$4,766,792$27,436,233
67$54,262,679$8,907,492$4,842,806$29,889,365
68$59,711,162$9,257,649$4,918,730$32,581,038
69$65,712,673$9,622,246$4,994,480$35,535,166
70$72,323,533$10,001,903$5,069,962$38,778,084
71$79,605,808$10,397,271$5,145,080$42,338,795
72$87,627,891$10,809,028$5,219,731$46,249,246
73$96,465,149$11,237,884$5,293,805$50,544,622
74$106,200,632$11,684,578$5,367,186$55,263,678
75$116,925,860$12,149,886$5,439,750$60,449,104
76$128,741,683$12,634,616$5,511,367$66,147,922
77$141,759,236$13,139,613$5,581,899$72,411,930
78$156,100,985$13,665,761$5,651,200$79,298,185
79$171,901,885$14,213,983$5,719,115$86,869,544
80$189,310,653$14,785,244$5,785,480$95,195,249
81$208,491,171$15,380,552$5,850,125$104,351,579
82$229,624,032$16,000,961$5,912,866$114,422,567
83$252,908,249$16,647,573$5,973,512$125,500,792
84$278,563,126$17,321,540$6,031,861$137,688,246
85$306,830,335$18,024,066$6,087,699$151,097,294
86$337,976,194$18,756,409$6,140,801$165,851,731
87$372,294,178$19,519,886$6,190,930$182,087,947
88$410,107,696$20,315,872$6,237,838$199,956,211
89$451,773,138$21,145,807$6,281,262$219,622,082
90$497,683,239$22,011,193$6,320,926$241,267,972
91$548,270,793$22,913,604$6,356,540$265,094,858
92$604,012,728$23,854,686$6,387,799$291,324,177
93$665,434,618$24,836,157$6,414,382$320,199,912
94$733,115,637$25,859,816$6,435,952$351,990,888
95$807,694,031$26,927,546$6,452,155$386,993,305
96$889,873,140$28,041,314$6,462,620$425,533,526
97$980,428,039$29,203,177$6,466,956$467,971,156
98$1,080,212,854$30,415,288$6,464,755$514,702,426
99$1,190,168,828$31,679,899$6,455,586$566,163,931
100$1,311,333,199$32,999,366$6,439,000$622,836,739