Can I retire at age 35 with 2,600,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$214,706$212,793$210,927$209,106$207,328$199,971
2 years$106,290$104,310$102,392$100,532$98,727$91,395
3 years$70,156$68,168$66,254$64,412$62,637$55,558
4 years$52,093$50,111$48,216$46,405$44,673$37,902
5 years$41,257$39,287$37,418$35,643$33,960$27,514
6 years$34,036$32,081$30,239$28,504$26,871$20,756
7 years$28,880$26,942$25,129$23,435$21,853$16,068
8 years$25,015$23,094$21,311$19,659$18,130$12,668
9 years$22,011$20,107$18,355$16,745$15,268$10,124
10 years$19,608$17,724$16,003$14,434$13,009$8,173
11 years$17,644$15,778$14,088$12,562$11,188$6,651
12 years$16,008$14,162$12,503$11,019$9,695$5,446
13 years$14,625$12,798$11,171$9,728$8,455$4,481
14 years$13,441$11,633$10,037$8,635$7,411$3,702
15 years$12,415$10,627$9,062$7,701$6,525$3,069
16 years$11,519$9,750$8,216$6,896$5,767$2,550
17 years$10,729$8,980$7,476$6,196$5,114$2,124
18 years$10,027$8,298$6,825$5,584$4,547$1,772
19 years$9,400$7,690$6,248$5,045$4,053$1,480
20 years$8,837$7,146$5,734$4,569$3,620$1,238
21 years$8,327$6,656$5,274$4,147$3,239$1,037
22 years$7,865$6,213$4,861$3,771$2,904$869
23 years$7,443$5,811$4,488$3,434$2,606$729
24 years$7,058$5,445$4,151$3,132$2,343$612
25 years$6,703$5,110$3,845$2,860$2,108$514
26 years$6,377$4,802$3,566$2,615$1,899$431
27 years$6,075$4,519$3,311$2,394$1,712$362
28 years$5,795$4,259$3,078$2,193$1,545$305
29 years$5,535$4,018$2,864$2,011$1,395$256
30 years$5,292$3,794$2,668$1,846$1,260$215
31 years$5,066$3,587$2,487$1,695$1,140$181
32 years$4,855$3,394$2,321$1,558$1,031$152
33 years$4,656$3,214$2,167$1,433$933$128
34 years$4,470$3,046$2,025$1,318$845$108
35 years$4,295$2,889$1,893$1,213$765$91
36 years$4,129$2,742$1,771$1,118$693$76
37 years$3,974$2,604$1,657$1,030$628$64
38 years$3,826$2,475$1,552$949$570$54
39 years$3,687$2,354$1,454$875$516$45
40 years$3,555$2,239$1,363$807$468$38
41 years$3,429$2,132$1,278$745$425$32
42 years$3,310$2,030$1,199$687$386$27
43 years$3,197$1,934$1,125$634$350$23
44 years$3,089$1,844$1,056$586$318$19
45 years$2,986$1,758$991$541$288$16
46 years$2,889$1,677$931$500$262$14
47 years$2,795$1,601$875$462$238$11
48 years$2,706$1,528$822$427$216$10
49 years$2,620$1,459$773$394$196$8
50 years$2,539$1,394$726$364$178$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,600,000, adding $3,129 every year, while hoping to spend $55,270 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: 58/14/28 Blend
34$2,600,000$2,600,000$2,600,000$2,600,000
35$2,868,428$2,730,628$2,690,328$3,012,688
36$3,102,200$2,805,621$2,721,647$3,186,860
37$3,357,965$2,882,438$2,752,163$3,370,587
38$3,637,908$2,961,107$2,781,790$3,569,786
39$3,944,434$3,041,660$2,810,439$3,785,974
40$4,280,192$3,124,128$2,838,015$4,020,821
41$4,648,100$3,208,539$2,864,417$4,276,169
42$5,051,372$3,294,923$2,889,541$4,554,044
43$5,493,547$3,383,309$2,913,275$4,856,681
44$5,978,521$3,473,724$2,935,502$5,186,541
45$6,510,589$3,566,195$2,956,101$5,546,338
46$7,094,479$3,660,748$2,974,940$5,939,059
47$7,735,400$3,757,409$2,991,884$6,368,000
48$8,439,090$3,856,201$3,006,791$6,836,789
49$9,211,867$3,957,145$3,019,509$7,349,425
50$10,060,696$4,060,264$3,029,881$7,910,317
51$10,993,246$4,165,576$3,037,741$8,524,322
52$12,017,967$4,273,098$3,042,915$9,196,793
53$13,144,166$4,382,847$3,045,219$9,933,628
54$14,382,099$4,494,834$3,044,462$10,741,329
55$15,743,064$4,609,072$3,040,443$11,627,062
56$17,239,508$4,725,568$3,032,949$12,598,721
57$18,885,145$4,844,328$3,021,760$13,665,009
58$20,695,084$4,965,354$3,006,643$14,835,517
59$22,685,972$5,088,646$2,987,355$16,120,814
60$24,876,150$5,214,198$2,963,640$17,532,549
61$27,285,827$5,342,004$2,935,231$19,083,561
62$29,937,268$5,472,049$2,901,849$20,787,998
63$32,855,008$5,604,318$2,863,199$22,661,453
64$36,066,077$5,738,788$2,818,975$24,721,114
65$39,600,261$5,875,433$2,768,855$26,985,920
66$43,490,378$6,014,219$2,712,502$29,476,745
67$47,772,591$6,155,110$2,649,564$32,216,596
68$52,486,744$6,298,059$2,579,674$35,230,828
69$57,676,743$6,443,015$2,502,444$38,547,385
70$63,390,967$6,589,919$2,417,472$42,197,062
71$69,682,725$6,738,704$2,324,336$46,213,802
72$76,610,757$6,889,295$2,222,596$50,635,010
73$84,239,791$7,041,607$2,111,790$55,501,914
74$92,641,150$7,195,547$1,991,435$60,859,946
75$101,893,429$7,351,010$1,861,030$66,759,181
76$112,083,230$7,507,881$1,720,046$73,254,803
77$123,305,987$7,666,035$1,567,935$80,407,631
78$135,666,858$7,825,331$1,404,121$88,284,694
79$149,281,724$7,985,618$1,228,005$96,959,860
80$164,278,276$8,146,730$1,038,960$106,514,542
81$180,797,226$8,308,485$836,331$117,038,459
82$198,993,630$8,470,688$619,434$128,630,492
83$219,038,352$8,633,123$387,557$141,399,613
84$241,119,677$8,795,560$139,954$155,465,917
85$265,445,090$8,957,748$0$170,961,759
86$292,243,228$9,119,416$0$188,070,131
87$321,766,042$9,280,273$0$206,961,687
88$354,291,174$9,440,002$0$227,771,980
89$390,124,577$9,598,265$0$250,696,512
90$429,603,402$9,754,698$0$275,950,721
91$473,099,179$9,908,909$0$303,772,014
92$521,021,328$10,060,477$0$334,422,011
93$573,821,015$10,208,953$0$368,189,013
94$631,995,419$10,353,852$0$405,390,723
95$696,092,419$10,494,658$0$446,377,246
96$766,715,768$10,630,818$0$491,534,391
97$844,530,788$10,761,740$0$541,287,318
98$930,270,656$10,886,793$0$596,104,549
99$1,024,743,319$11,005,302$0$656,502,389
100$1,128,839,123$11,116,547$0$723,049,803