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

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 $2,610,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$215,531$213,612$211,738$209,910$208,125$205,866
2 years$106,699$104,712$102,786$100,918$99,107$96,833
3 years$70,426$68,430$66,509$64,659$62,878$60,658
4 years$52,293$50,303$48,402$46,583$44,845$42,697
5 years$41,416$39,438$37,562$35,781$34,090$32,021
6 years$34,167$32,204$30,355$28,614$26,975$24,987
7 years$28,992$27,045$25,225$23,525$21,938$20,031
8 years$25,112$23,183$21,393$19,735$18,199$16,375
9 years$22,095$20,185$18,426$16,810$15,326$13,583
10 years$19,684$17,792$16,064$14,490$13,059$11,395
11 years$17,712$15,839$14,143$12,611$11,231$9,646
12 years$16,070$14,216$12,551$11,061$9,733$8,224
13 years$14,682$12,847$11,214$9,765$8,487$7,054
14 years$13,493$11,678$10,076$8,669$7,440$6,079
15 years$12,463$10,668$9,097$7,731$6,550$5,261
16 years$11,563$9,788$8,248$6,922$5,789$4,569
17 years$10,770$9,014$7,505$6,220$5,133$3,979
18 years$10,066$8,329$6,851$5,605$4,564$3,474
19 years$9,436$7,720$6,272$5,065$4,068$3,040
20 years$8,871$7,173$5,756$4,587$3,634$2,665
21 years$8,359$6,682$5,294$4,163$3,252$2,340
22 years$7,895$6,237$4,880$3,785$2,915$2,057
23 years$7,472$5,834$4,505$3,447$2,617$1,811
24 years$7,085$5,466$4,167$3,144$2,352$1,596
25 years$6,729$5,129$3,859$2,871$2,116$1,407
26 years$6,401$4,821$3,579$2,625$1,906$1,242
27 years$6,098$4,537$3,324$2,403$1,719$1,098
28 years$5,817$4,275$3,090$2,202$1,551$970
29 years$5,556$4,033$2,875$2,019$1,400$858
30 years$5,313$3,809$2,678$1,853$1,265$759
31 years$5,086$3,600$2,497$1,702$1,144$672
32 years$4,873$3,407$2,330$1,564$1,035$595
33 years$4,674$3,226$2,175$1,438$936$527
34 years$4,487$3,058$2,032$1,323$848$467
35 years$4,311$2,900$1,900$1,218$768$414
36 years$4,145$2,753$1,778$1,122$696$367
37 years$3,989$2,615$1,664$1,034$631$325
38 years$3,841$2,485$1,558$953$572$289
39 years$3,701$2,363$1,460$879$518$256
40 years$3,568$2,248$1,368$810$470$227
41 years$3,442$2,140$1,283$748$427$201
42 years$3,323$2,038$1,203$690$387$179
43 years$3,209$1,942$1,129$637$351$159
44 years$3,101$1,851$1,060$588$319$141
45 years$2,998$1,765$995$543$290$125
46 years$2,900$1,684$935$502$263$111
47 years$2,806$1,607$878$463$239$98
48 years$2,716$1,534$825$428$217$87
49 years$2,630$1,465$776$396$197$78
50 years$2,548$1,399$729$366$179$69

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 $5,810 every year, while hoping to spend $33,851 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: 58/21/21 Blend
34$2,610,000$2,610,000$2,610,000$2,610,000
35$2,882,213$2,743,883$2,703,428$3,032,925
36$3,140,182$2,842,316$2,757,976$3,234,544
37$3,423,328$2,944,438$2,813,216$3,450,093
38$3,734,186$3,050,393$2,869,137$3,684,347
39$4,075,544$3,160,333$2,925,724$3,939,122
40$4,450,475$3,274,415$2,982,961$4,216,412
41$4,862,364$3,392,803$3,040,832$4,518,413
42$5,314,942$3,515,667$3,099,316$4,847,543
43$5,812,316$3,643,184$3,158,393$5,206,461
44$6,359,012$3,775,540$3,218,039$5,598,098
45$6,960,018$3,912,928$3,278,230$6,025,676
46$7,620,826$4,055,548$3,338,937$6,492,746
47$8,347,489$4,203,609$3,400,130$7,003,216
48$9,146,677$4,357,329$3,461,778$7,561,390
49$10,025,735$4,516,936$3,523,845$8,172,005
50$10,992,760$4,682,665$3,586,293$8,840,280
51$12,056,669$4,854,764$3,649,082$9,571,962
52$13,227,291$5,033,489$3,712,168$10,373,377
53$14,515,452$5,219,108$3,775,503$11,251,497
54$15,933,084$5,411,900$3,839,039$12,213,997
55$17,493,332$5,612,156$3,902,719$13,269,332
56$19,210,679$5,820,179$3,966,488$14,426,814
57$21,101,087$6,036,286$4,030,284$15,696,700
58$23,182,140$6,260,806$4,094,040$17,090,290
59$25,473,215$6,494,083$4,157,688$18,620,028
60$27,995,666$6,736,475$4,221,153$20,299,625
61$30,773,017$6,988,356$4,284,355$22,144,183
62$33,831,196$7,250,116$4,347,212$24,170,342
63$37,198,767$7,522,161$4,409,632$26,396,430
64$40,907,209$7,804,915$4,471,523$28,842,638
65$44,991,209$8,098,821$4,532,784$31,531,215
66$49,488,988$8,404,338$4,593,308$34,486,667
67$54,442,663$8,721,950$4,652,982$37,735,996
68$59,898,647$9,052,157$4,711,689$41,308,952
69$65,908,079$9,395,483$4,769,301$45,238,310
70$72,527,317$9,752,475$4,825,686$49,560,183
71$79,818,460$10,123,704$4,880,703$54,314,358
72$87,849,940$10,509,763$4,934,204$59,544,672
73$96,697,167$10,911,273$4,986,033$65,299,428
74$106,443,236$11,328,884$5,036,023$71,631,844
75$117,179,718$11,763,271$5,084,001$78,600,559
76$129,007,517$12,215,140$5,129,784$86,270,185
77$142,037,830$12,685,227$5,173,177$94,711,913
78$156,393,188$13,174,303$5,213,978$104,004,187
79$172,208,619$13,683,169$5,251,972$114,233,441
80$189,632,918$14,212,665$5,286,934$125,494,916
81$208,830,055$14,763,665$5,318,626$137,893,556
82$229,980,720$15,337,083$5,346,798$151,544,998
83$253,284,027$15,933,874$5,371,190$166,576,662
84$278,959,398$16,555,034$5,391,525$183,128,954
85$307,248,629$17,201,603$5,407,513$201,356,586
86$338,418,176$17,874,669$5,418,852$221,430,041
87$372,761,667$18,575,365$5,425,221$243,537,175
88$410,602,677$19,304,878$5,426,286$267,884,992
89$452,297,779$20,064,446$5,421,695$294,701,597
90$498,239,911$20,855,361$5,411,080$324,238,346
91$548,862,084$21,678,976$5,394,053$356,772,216
92$604,641,472$22,536,702$5,370,210$392,608,421
93$666,103,915$23,430,013$5,339,125$432,083,290
94$733,828,881$24,360,450$5,300,352$475,567,439
95$808,454,938$25,329,624$5,253,425$523,469,268
96$890,685,782$26,339,215$5,197,854$576,238,817
97$981,296,877$27,390,982$5,133,128$634,372,009
98$1,081,142,780$28,486,762$5,058,710$698,415,330
99$1,191,165,205$29,628,474$4,974,037$768,970,987
100$1,312,401,911$30,818,125$4,878,523$846,702,591