Can I retire at age 35 with 2,590,000?

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 $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$213,880$211,975$210,116$208,302$206,530$203,781
2 years$105,881$103,909$101,998$100,145$98,348$95,582
3 years$69,886$67,906$65,999$64,164$62,396$59,700
4 years$51,892$49,918$48,031$46,226$44,501$41,896
5 years$41,099$39,136$37,274$35,506$33,829$31,322
6 years$33,905$31,958$30,123$28,395$26,768$24,362
7 years$28,769$26,838$25,032$23,345$21,769$19,465
8 years$24,919$23,005$21,229$19,583$18,060$15,857
9 years$21,926$20,030$18,285$16,681$15,209$13,107
10 years$19,533$17,656$15,941$14,379$12,959$10,956
11 years$17,576$15,718$14,034$12,514$11,145$9,240
12 years$15,947$14,107$12,455$10,976$9,658$7,848
13 years$14,569$12,749$11,128$9,691$8,422$6,705
14 years$13,389$11,588$9,998$8,602$7,383$5,756
15 years$12,368$10,586$9,027$7,672$6,500$4,961
16 years$11,475$9,713$8,184$6,869$5,745$4,290
17 years$10,688$8,945$7,448$6,172$5,094$3,721
18 years$9,989$8,266$6,799$5,562$4,529$3,235
19 years$9,364$7,660$6,224$5,026$4,037$2,818
20 years$8,803$7,118$5,712$4,552$3,606$2,459
21 years$8,295$6,631$5,254$4,131$3,227$2,150
22 years$7,835$6,189$4,842$3,756$2,892$1,881
23 years$7,415$5,789$4,471$3,421$2,596$1,649
24 years$7,030$5,424$4,135$3,120$2,334$1,446
25 years$6,677$5,090$3,830$2,849$2,100$1,269
26 years$6,352$4,784$3,552$2,605$1,892$1,115
27 years$6,051$4,502$3,298$2,385$1,705$980
28 years$5,773$4,242$3,066$2,185$1,539$862
29 years$5,513$4,002$2,853$2,004$1,390$759
30 years$5,272$3,780$2,658$1,839$1,256$668
31 years$5,047$3,573$2,478$1,689$1,135$589
32 years$4,836$3,381$2,312$1,552$1,027$519
33 years$4,638$3,202$2,159$1,427$929$457
34 years$4,453$3,034$2,017$1,313$841$403
35 years$4,278$2,878$1,886$1,209$762$355
36 years$4,114$2,732$1,764$1,113$690$314
37 years$3,958$2,594$1,651$1,026$626$277
38 years$3,811$2,466$1,546$945$567$244
39 years$3,673$2,345$1,448$872$514$215
40 years$3,541$2,231$1,358$804$467$190
41 years$3,416$2,123$1,273$742$423$168
42 years$3,297$2,022$1,194$685$384$148
43 years$3,185$1,927$1,121$632$349$131
44 years$3,077$1,837$1,052$584$316$115
45 years$2,975$1,751$988$539$287$102
46 years$2,877$1,671$928$498$261$90
47 years$2,784$1,594$871$460$237$79
48 years$2,695$1,522$819$425$215$70
49 years$2,610$1,454$770$393$195$62
50 years$2,529$1,388$724$363$177$55

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,590,000, adding $3,957 every year, while hoping to spend $27,785 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: 63/28/9 Blend
34$2,590,000$2,590,000$2,590,000$2,590,000
35$2,858,262$2,720,992$2,680,847$3,032,615
36$3,120,241$2,824,757$2,741,092$3,253,304
37$3,408,012$2,932,676$2,802,424$3,490,569
38$3,724,174$3,044,922$2,864,851$3,748,921
39$4,071,594$3,161,678$2,928,378$4,030,404
40$4,453,429$3,283,132$2,993,010$4,337,265
41$4,873,157$3,409,484$3,058,754$4,671,978
42$5,334,609$3,540,939$3,125,613$5,037,264
43$5,842,009$3,677,714$3,193,590$5,436,118
44$6,400,005$3,820,034$3,262,687$5,871,836
45$7,013,724$3,968,134$3,332,906$6,348,044
46$7,688,812$4,122,260$3,404,246$6,868,736
47$8,431,488$4,282,669$3,476,705$7,438,304
48$9,248,607$4,449,627$3,550,283$8,061,586
49$10,147,722$4,623,415$3,624,974$8,743,907
50$11,137,152$4,804,325$3,700,773$9,491,130
51$12,226,067$4,992,663$3,777,674$10,309,708
52$13,424,569$5,188,746$3,855,669$11,206,747
53$14,743,787$5,392,907$3,934,747$12,190,074
54$16,195,989$5,605,495$4,014,896$13,268,303
55$17,794,688$5,826,872$4,096,103$14,450,924
56$19,554,775$6,057,417$4,178,351$15,748,384
57$21,492,659$6,297,528$4,261,623$17,172,191
58$23,626,422$6,547,619$4,345,899$18,735,017
59$25,975,986$6,808,121$4,431,156$20,450,819
60$28,563,305$7,079,487$4,517,368$22,334,970
61$31,412,570$7,362,190$4,604,508$24,404,401
62$34,550,438$7,656,724$4,692,545$26,677,760
63$38,006,283$7,963,603$4,781,446$29,175,590
64$41,812,473$8,283,369$4,871,173$31,920,517
65$46,004,675$8,616,584$4,961,687$34,937,466
66$50,622,193$8,963,837$5,052,944$38,253,893
67$55,708,336$9,325,745$5,144,897$41,900,042
68$61,310,830$9,702,950$5,237,495$45,909,233
69$67,482,266$10,096,126$5,330,683$50,318,169
70$74,280,597$10,505,976$5,424,401$55,167,286
71$81,769,685$10,933,236$5,518,585$60,501,132
72$90,019,902$11,378,674$5,613,167$66,368,783
73$99,108,798$11,843,095$5,708,074$72,824,308
74$109,121,827$12,327,338$5,803,226$79,927,274
75$120,153,159$12,832,283$5,898,540$87,743,309
76$132,306,566$13,358,849$5,993,925$96,344,721
77$145,696,400$13,907,997$6,089,286$105,811,174
78$160,448,676$14,480,732$6,184,520$116,230,440
79$176,702,258$15,078,106$6,279,519$127,699,226
80$194,610,172$15,701,216$6,374,167$140,324,085
81$214,341,048$16,351,214$6,468,340$154,222,415
82$236,080,713$17,029,303$6,561,908$169,523,571
83$260,033,946$17,736,739$6,654,732$186,370,079
84$286,426,408$18,474,839$6,746,665$204,918,979
85$315,506,775$19,244,979$6,837,552$225,343,309
86$347,549,083$20,048,600$6,927,226$247,833,727
87$382,855,316$20,887,207$7,015,515$272,600,315
88$421,758,256$21,762,378$7,102,232$299,874,558
89$464,624,623$22,675,760$7,187,182$329,911,521
90$511,858,542$23,629,080$7,270,160$362,992,259
91$563,905,350$24,624,141$7,350,947$399,426,462
92$621,255,805$25,662,834$7,429,313$439,555,379
93$684,450,719$26,747,133$7,505,017$483,755,030
94$754,086,058$27,879,109$7,577,800$532,439,756
95$830,818,575$29,060,924$7,647,396$586,066,125
96$915,372,004$30,294,844$7,713,518$645,137,236
97$1,008,543,896$31,583,239$7,775,869$710,207,466
98$1,111,213,145$32,928,590$7,834,132$781,887,695
99$1,224,348,288$34,333,493$7,887,978$860,851,072
100$1,349,016,644$35,800,665$7,937,056$947,839,360