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

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 $2,600,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$214,706$212,793$210,927$209,106$207,328$205,676
2 years$106,290$104,310$102,392$100,532$98,727$97,063
3 years$70,156$68,168$66,254$64,412$62,637$61,011
4 years$52,093$50,111$48,216$46,405$44,673$43,098
5 years$41,257$39,287$37,418$35,643$33,960$32,440
6 years$34,036$32,081$30,239$28,504$26,871$25,409
7 years$28,880$26,942$25,129$23,435$21,853$20,449
8 years$25,015$23,094$21,311$19,659$18,130$16,783
9 years$22,011$20,107$18,355$16,745$15,268$13,979
10 years$19,608$17,724$16,003$14,434$13,009$11,777
11 years$17,644$15,778$14,088$12,562$11,188$10,012
12 years$16,008$14,162$12,503$11,019$9,695$8,575
13 years$14,625$12,798$11,171$9,728$8,455$7,387
14 years$13,441$11,633$10,037$8,635$7,411$6,397
15 years$12,415$10,627$9,062$7,701$6,525$5,562
16 years$11,519$9,750$8,216$6,896$5,767$4,853
17 years$10,729$8,980$7,476$6,196$5,114$4,247
18 years$10,027$8,298$6,825$5,584$4,547$3,727
19 years$9,400$7,690$6,248$5,045$4,053$3,277
20 years$8,837$7,146$5,734$4,569$3,620$2,888
21 years$8,327$6,656$5,274$4,147$3,239$2,549
22 years$7,865$6,213$4,861$3,771$2,904$2,253
23 years$7,443$5,811$4,488$3,434$2,606$1,994
24 years$7,058$5,445$4,151$3,132$2,343$1,766
25 years$6,703$5,110$3,845$2,860$2,108$1,566
26 years$6,377$4,802$3,566$2,615$1,899$1,390
27 years$6,075$4,519$3,311$2,394$1,712$1,235
28 years$5,795$4,259$3,078$2,193$1,545$1,098
29 years$5,535$4,018$2,864$2,011$1,395$976
30 years$5,292$3,794$2,668$1,846$1,260$869
31 years$5,066$3,587$2,487$1,695$1,140$774
32 years$4,855$3,394$2,321$1,558$1,031$689
33 years$4,656$3,214$2,167$1,433$933$614
34 years$4,470$3,046$2,025$1,318$845$547
35 years$4,295$2,889$1,893$1,213$765$488
36 years$4,129$2,742$1,771$1,118$693$435
37 years$3,974$2,604$1,657$1,030$628$388
38 years$3,826$2,475$1,552$949$570$346
39 years$3,687$2,354$1,454$875$516$309
40 years$3,555$2,239$1,363$807$468$276
41 years$3,429$2,132$1,278$745$425$246
42 years$3,310$2,030$1,199$687$386$220
43 years$3,197$1,934$1,125$634$350$196
44 years$3,089$1,844$1,056$586$318$175
45 years$2,986$1,758$991$541$288$156
46 years$2,889$1,677$931$500$262$140
47 years$2,795$1,601$875$462$238$125
48 years$2,706$1,528$822$427$216$111
49 years$2,620$1,459$773$394$196$99
50 years$2,539$1,394$726$364$178$89

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 $3,556 every year, while hoping to spend $52,130 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: 69/5/26 Blend
34$2,600,000$2,600,000$2,600,000$2,600,000
35$2,868,868$2,731,068$2,690,768$3,047,412
36$3,106,027$2,809,424$2,725,443$3,245,991
37$3,365,628$2,889,873$2,759,532$3,456,909
38$3,649,907$2,972,462$2,792,961$3,686,531
39$3,961,323$3,057,238$2,825,651$3,936,707
40$4,302,586$3,144,251$2,857,518$4,209,480
41$4,676,680$3,233,549$2,888,476$4,507,098
42$5,086,892$3,325,183$2,918,429$4,832,036
43$5,536,840$3,419,203$2,947,282$5,187,023
44$6,030,513$3,515,658$2,974,931$5,575,067
45$6,572,300$3,614,601$3,001,267$5,999,481
46$7,167,041$3,716,082$3,026,175$6,463,914
47$7,820,062$3,820,153$3,049,535$6,972,388
48$8,537,234$3,926,867$3,071,220$7,529,336
49$9,325,023$4,036,274$3,091,097$8,139,641
50$10,190,551$4,148,427$3,109,025$8,808,684
51$11,141,667$4,263,379$3,124,856$9,542,396
52$12,187,013$4,381,182$3,138,435$10,347,312
53$13,336,116$4,501,886$3,149,600$11,230,631
54$14,599,466$4,625,546$3,158,178$12,200,290
55$15,988,625$4,752,211$3,163,991$13,265,033
56$17,516,329$4,881,933$3,166,848$14,434,497
57$19,196,609$5,014,763$3,166,553$15,719,301
58$21,044,928$5,150,750$3,162,896$17,131,149
59$23,078,317$5,289,944$3,155,660$18,682,936
60$25,315,548$5,432,393$3,144,617$20,388,875
61$27,777,297$5,578,144$3,129,525$22,264,630
62$30,486,352$5,727,243$3,110,134$24,327,460
63$33,467,816$5,879,735$3,086,181$26,596,387
64$36,749,354$6,035,663$3,057,388$29,092,373
65$40,361,445$6,195,067$3,023,467$31,838,520
66$44,337,674$6,357,987$2,984,115$34,860,286
67$48,715,048$6,524,460$2,939,015$38,185,728
68$53,534,345$6,694,521$2,887,834$41,845,764
69$58,840,497$6,868,201$2,830,225$45,874,470
70$64,683,014$7,045,529$2,765,824$50,309,395
71$71,116,453$7,226,531$2,694,250$55,191,923
72$78,200,929$7,411,229$2,615,105$60,567,659
73$86,002,686$7,599,641$2,527,973$66,486,863
74$94,594,717$7,791,781$2,432,418$73,004,922
75$104,057,458$7,987,658$2,327,984$80,182,875
76$114,479,542$8,187,277$2,214,195$88,087,991
77$125,958,638$8,390,636$2,090,553$96,794,401
78$138,602,370$8,597,728$1,956,538$106,383,801
79$152,529,336$8,808,541$1,811,605$116,946,223
80$167,870,222$9,023,053$1,655,188$128,580,887
81$184,769,039$9,241,237$1,486,691$141,397,134
82$203,384,482$9,463,059$1,305,496$155,515,465
83$223,891,423$9,688,473$1,110,954$171,068,674
84$246,482,567$9,917,426$902,390$188,203,105
85$271,370,265$10,149,856$679,096$207,080,034
86$298,788,522$10,385,690$440,336$227,877,192
87$328,995,204$10,624,841$185,340$250,790,444
88$362,274,471$10,867,214$0$276,035,640
89$398,939,458$11,112,699$0$303,874,727
90$439,335,233$11,361,171$0$334,602,206
91$483,842,051$11,612,493$0$368,455,737
92$532,878,946$11,866,510$0$405,753,934
93$586,907,681$12,123,052$0$446,847,902
94$646,437,113$12,381,930$0$492,124,554
95$712,027,989$12,642,936$0$542,010,258
96$784,298,245$12,905,840$0$596,974,866
97$863,928,834$13,170,395$0$657,536,147
98$951,670,157$13,436,326$0$724,264,673
99$1,048,349,142$13,703,335$0$797,789,208
100$1,154,877,057$13,971,100$0$878,802,640