Can I retire at age 35 with 2,610,000?

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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$215,531$213,612$211,738$209,910$208,125$206,295
2 years$106,699$104,712$102,786$100,918$99,107$97,263
3 years$70,426$68,430$66,509$64,659$62,878$61,077
4 years$52,293$50,303$48,402$46,583$44,845$43,101
5 years$41,416$39,438$37,562$35,781$34,090$32,408
6 years$34,167$32,204$30,355$28,614$26,975$25,357
7 years$28,992$27,045$25,225$23,525$21,938$20,385
8 years$25,112$23,183$21,393$19,735$18,199$16,711
9 years$22,095$20,185$18,426$16,810$15,326$13,903
10 years$19,684$17,792$16,064$14,490$13,059$11,699
11 years$17,712$15,839$14,143$12,611$11,231$9,934
12 years$16,070$14,216$12,551$11,061$9,733$8,496
13 years$14,682$12,847$11,214$9,765$8,487$7,311
14 years$13,493$11,678$10,076$8,669$7,440$6,322
15 years$12,463$10,668$9,097$7,731$6,550$5,489
16 years$11,563$9,788$8,248$6,922$5,789$4,783
17 years$10,770$9,014$7,505$6,220$5,133$4,180
18 years$10,066$8,329$6,851$5,605$4,564$3,663
19 years$9,436$7,720$6,272$5,065$4,068$3,217
20 years$8,871$7,173$5,756$4,587$3,634$2,830
21 years$8,359$6,682$5,294$4,163$3,252$2,494
22 years$7,895$6,237$4,880$3,785$2,915$2,201
23 years$7,472$5,834$4,505$3,447$2,617$1,945
24 years$7,085$5,466$4,167$3,144$2,352$1,721
25 years$6,729$5,129$3,859$2,871$2,116$1,524
26 years$6,401$4,821$3,579$2,625$1,906$1,350
27 years$6,098$4,537$3,324$2,403$1,719$1,197
28 years$5,817$4,275$3,090$2,202$1,551$1,063
29 years$5,556$4,033$2,875$2,019$1,400$944
30 years$5,313$3,809$2,678$1,853$1,265$838
31 years$5,086$3,600$2,497$1,702$1,144$745
32 years$4,873$3,407$2,330$1,564$1,035$663
33 years$4,674$3,226$2,175$1,438$936$589
34 years$4,487$3,058$2,032$1,323$848$524
35 years$4,311$2,900$1,900$1,218$768$467
36 years$4,145$2,753$1,778$1,122$696$416
37 years$3,989$2,615$1,664$1,034$631$370
38 years$3,841$2,485$1,558$953$572$330
39 years$3,701$2,363$1,460$879$518$294
40 years$3,568$2,248$1,368$810$470$262
41 years$3,442$2,140$1,283$748$427$233
42 years$3,323$2,038$1,203$690$387$208
43 years$3,209$1,942$1,129$637$351$185
44 years$3,101$1,851$1,060$588$319$165
45 years$2,998$1,765$995$543$290$147
46 years$2,900$1,684$935$502$263$131
47 years$2,806$1,607$878$463$239$117
48 years$2,716$1,534$825$428$217$104
49 years$2,630$1,465$776$396$197$93
50 years$2,548$1,399$729$366$179$83

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,610,000, adding $4,576 every year, while hoping to spend $28,971 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: 39/39/22 Blend
34$2,610,000$2,610,000$2,610,000$2,610,000
35$2,880,940$2,742,610$2,702,155$2,974,276
36$3,143,971$2,846,173$2,761,852$3,145,619
37$3,432,860$2,953,840$2,822,579$3,327,697
38$3,750,215$3,065,780$2,884,337$3,523,994
39$4,098,906$3,182,173$2,947,132$3,735,818
40$4,482,098$3,303,203$3,010,965$3,964,605
41$4,903,276$3,429,065$3,075,837$4,211,933
42$5,366,281$3,559,960$3,141,748$4,479,535
43$5,875,343$3,696,099$3,208,697$4,769,315
44$6,435,123$3,837,702$3,276,684$5,083,367
45$7,050,755$3,985,000$3,345,703$5,423,989
46$7,727,899$4,138,231$3,415,750$5,793,713
47$8,472,787$4,297,647$3,486,821$6,195,316
48$9,292,289$4,463,509$3,558,906$6,631,858
49$10,193,970$4,636,089$3,631,997$7,106,699
50$11,186,170$4,815,672$3,706,084$7,623,537
51$12,278,075$5,002,556$3,781,154$8,186,440
52$13,479,809$5,197,051$3,857,192$8,799,882
53$14,802,524$5,399,481$3,934,183$9,468,786
54$16,258,511$5,610,186$4,012,108$10,198,569
55$17,861,312$5,829,518$4,090,947$10,995,189
56$19,625,849$6,057,847$4,170,676$11,865,207
57$21,568,563$6,295,558$4,251,271$12,815,842
58$23,707,571$6,543,055$4,332,703$13,855,037
59$26,062,837$6,800,759$4,414,942$14,991,538
60$28,656,358$7,069,108$4,497,955$16,234,972
61$31,512,375$7,348,563$4,581,705$17,595,936
62$34,657,597$7,639,602$4,666,151$19,086,097
63$38,121,457$7,942,728$4,751,253$20,718,300
64$41,936,387$8,258,463$4,836,961$22,506,687
65$46,138,126$8,587,355$4,923,227$24,466,832
66$50,766,056$8,929,977$5,009,996$26,615,880
67$55,863,573$9,286,925$5,097,210$28,972,715
68$61,478,497$9,658,824$5,184,806$31,558,129
69$67,663,524$10,046,326$5,272,717$34,395,023
70$74,476,721$10,450,114$5,360,871$37,508,615
71$81,982,077$10,870,900$5,449,191$40,926,681
72$90,250,104$11,309,429$5,537,594$44,679,811
73$99,358,505$11,766,482$5,625,994$48,801,700
74$109,392,904$12,242,870$5,714,296$53,329,459
75$120,447,656$12,739,447$5,802,401$58,303,967
76$132,626,738$13,257,101$5,890,202$63,770,249
77$146,044,729$13,796,763$5,977,588$69,777,906
78$160,827,892$14,359,405$6,064,438$76,381,573
79$177,115,366$14,946,044$6,150,625$83,641,436
80$195,060,477$15,557,745$6,236,015$91,623,798
81$214,832,190$16,195,618$6,320,465$100,401,698
82$236,616,696$16,860,826$6,403,824$110,055,600
83$260,619,178$17,554,586$6,485,932$120,674,148
84$287,065,743$18,278,169$6,566,618$132,354,999
85$316,205,554$19,032,905$6,645,706$145,205,744
86$348,313,187$19,820,184$6,723,004$159,344,916
87$383,691,222$20,641,462$6,798,314$174,903,108
88$422,673,093$21,498,261$6,871,424$192,024,197
89$465,626,245$22,392,172$6,942,113$210,866,706
90$512,955,594$23,324,860$7,010,146$231,605,287
91$565,107,354$24,298,067$7,075,275$254,432,371
92$622,573,247$25,313,616$7,137,240$279,559,977
93$685,895,147$26,373,412$7,195,766$307,221,709
94$755,670,193$27,479,450$7,250,565$337,674,956
95$832,556,426$28,633,817$7,301,333$371,203,316
96$917,279,004$29,838,696$7,347,749$408,119,268
97$1,010,637,041$31,096,371$7,389,478$448,767,114
98$1,113,511,159$32,409,233$7,426,165$493,526,226
99$1,226,871,795$33,779,783$7,457,440$542,814,617
100$1,351,788,365$35,210,639$7,482,911$597,092,883