Can I retire at age 35 with 2,570,000?

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 $2,570,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$212,228$210,338$208,493$206,693$204,935$202,711
2 years$105,063$103,107$101,210$99,372$97,588$95,348
3 years$69,347$67,381$65,490$63,668$61,914$59,728
4 years$51,492$49,532$47,660$45,870$44,158$42,043
5 years$40,781$38,834$36,986$35,232$33,568$31,531
6 years$33,644$31,711$29,890$28,175$26,561$24,604
7 years$28,547$26,631$24,839$23,165$21,601$19,724
8 years$24,727$22,828$21,065$19,432$17,920$16,124
9 years$21,757$19,875$18,144$16,552$15,092$13,375
10 years$19,382$17,519$15,818$14,268$12,859$11,221
11 years$17,440$15,596$13,926$12,417$11,059$9,498
12 years$15,824$13,998$12,359$10,892$9,583$8,098
13 years$14,457$12,650$11,042$9,616$8,357$6,946
14 years$13,286$11,499$9,921$8,536$7,326$5,986
15 years$12,272$10,505$8,957$7,612$6,450$5,181
16 years$11,386$9,638$8,121$6,816$5,701$4,499
17 years$10,605$8,876$7,390$6,124$5,055$3,918
18 years$9,912$8,202$6,746$5,519$4,494$3,421
19 years$9,292$7,601$6,176$4,987$4,006$2,993
20 years$8,735$7,064$5,668$4,517$3,578$2,624
21 years$8,231$6,579$5,213$4,099$3,202$2,304
22 years$7,774$6,142$4,805$3,727$2,870$2,026
23 years$7,358$5,744$4,436$3,394$2,576$1,783
24 years$6,976$5,382$4,103$3,096$2,316$1,571
25 years$6,626$5,051$3,800$2,827$2,084$1,386
26 years$6,303$4,747$3,524$2,585$1,877$1,223
27 years$6,005$4,467$3,273$2,366$1,692$1,081
28 years$5,728$4,209$3,042$2,168$1,527$955
29 years$5,471$3,971$2,831$1,988$1,379$845
30 years$5,231$3,750$2,637$1,825$1,246$748
31 years$5,008$3,545$2,459$1,676$1,126$662
32 years$4,799$3,355$2,294$1,540$1,019$586
33 years$4,602$3,177$2,142$1,416$922$519
34 years$4,418$3,011$2,001$1,303$835$460
35 years$4,245$2,856$1,871$1,199$756$408
36 years$4,082$2,711$1,750$1,105$685$361
37 years$3,928$2,574$1,638$1,018$621$320
38 years$3,782$2,447$1,534$938$563$284
39 years$3,644$2,327$1,437$865$510$252
40 years$3,514$2,213$1,347$798$463$224
41 years$3,390$2,107$1,263$736$420$198
42 years$3,272$2,007$1,185$679$381$176
43 years$3,160$1,912$1,112$627$346$156
44 years$3,054$1,822$1,044$579$314$139
45 years$2,952$1,738$980$535$285$123
46 years$2,855$1,658$920$494$259$109
47 years$2,763$1,582$865$456$235$97
48 years$2,674$1,510$813$422$213$86
49 years$2,590$1,442$764$390$194$76
50 years$2,509$1,378$718$360$176$68

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,570,000, adding $5,292 every year, while hoping to spend $34,398 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: 78/11/11 Blend
34$2,570,000$2,570,000$2,570,000$2,570,000
35$2,837,599$2,701,389$2,661,554$3,052,894
36$3,090,435$2,797,158$2,714,117$3,290,976
37$3,367,907$2,896,466$2,767,287$3,547,086
38$3,672,492$2,999,452$2,821,050$3,826,997
39$4,006,918$3,106,257$2,875,387$4,133,066
40$4,374,191$3,217,030$2,930,280$4,467,894
41$4,777,620$3,331,926$2,985,706$4,834,340
42$5,220,852$3,451,106$3,041,642$5,235,556
43$5,707,906$3,574,737$3,098,064$5,675,011
44$6,243,207$3,702,994$3,154,943$6,156,527
45$6,831,631$3,836,057$3,212,251$6,684,312
46$7,478,550$3,974,117$3,269,954$7,263,004
47$8,189,883$4,117,369$3,328,018$7,897,707
48$8,972,150$4,266,019$3,386,406$8,594,047
49$9,832,535$4,420,280$3,445,077$9,358,218
50$10,778,955$4,580,375$3,503,988$10,197,046
51$11,820,129$4,746,535$3,563,093$11,118,049
52$12,965,668$4,919,000$3,622,342$12,129,507
53$14,226,158$5,098,023$3,681,682$13,240,545
54$15,613,265$5,283,865$3,741,057$14,461,214
55$17,139,842$5,476,798$3,800,406$15,802,587
56$18,820,051$5,677,107$3,859,665$17,276,863
57$20,669,498$5,885,087$3,918,766$18,897,481
58$22,705,378$6,101,047$3,977,635$20,679,250
59$24,946,636$6,325,308$4,036,196$22,638,483
60$27,414,150$6,558,205$4,094,365$24,793,154
61$30,130,923$6,800,087$4,152,057$27,163,069
62$33,122,304$7,051,318$4,209,177$29,770,045
63$36,416,224$7,312,278$4,265,630$32,638,126
64$40,043,460$7,583,360$4,321,309$35,793,799
65$44,037,927$7,864,979$4,376,107$39,266,252
66$48,436,995$8,157,563$4,429,907$43,087,644
67$53,281,845$8,461,560$4,482,585$47,293,409
68$58,617,855$8,777,438$4,534,013$51,922,593
69$64,495,027$9,105,683$4,584,054$57,018,216
70$70,968,462$9,446,805$4,632,562$62,627,683
71$78,098,879$9,801,332$4,679,387$68,803,229
72$85,953,185$10,169,817$4,724,366$75,602,412
73$94,605,109$10,552,837$4,767,331$83,088,653
74$104,135,897$10,950,993$4,808,104$91,331,837
75$114,635,079$11,364,912$4,846,496$100,408,973
76$126,201,313$11,795,249$4,882,310$110,404,916
77$138,943,317$12,242,686$4,915,337$121,413,171
78$152,980,894$12,707,936$4,945,359$133,536,773
79$168,446,062$13,191,742$4,972,146$146,889,260
80$185,484,303$13,694,880$4,995,455$161,595,745
81$204,255,931$14,218,159$5,015,033$177,794,093
82$224,937,611$14,762,424$5,030,611$195,636,224
83$247,724,021$15,328,556$5,041,910$215,289,547
84$272,829,692$15,917,476$5,048,635$236,938,537
85$300,491,033$16,530,145$5,050,477$260,786,477
86$330,968,561$17,167,564$5,047,110$287,057,377
87$364,549,362$17,830,782$5,038,196$315,998,087
88$401,549,797$18,520,891$5,023,376$347,880,625
89$442,318,493$19,239,032$5,002,276$383,004,745
90$487,239,631$19,986,396$4,974,504$421,700,768
91$536,736,571$20,764,227$4,939,647$464,332,695
92$591,275,852$21,573,825$4,897,276$511,301,645
93$651,371,592$22,416,546$4,846,938$563,049,638
94$717,590,345$23,293,806$4,788,161$620,063,773
95$790,556,443$24,207,086$4,720,448$682,880,815
96$870,957,899$25,157,932$4,643,281$752,092,272
97$959,552,890$26,147,956$4,556,117$828,349,970
98$1,057,176,926$27,178,847$4,458,387$912,372,208
99$1,164,750,726$28,252,364$4,349,497$1,004,950,537
100$1,283,288,920$29,370,350$4,228,825$1,106,957,233