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%12.9%
1 years$215,531$213,612$211,738$209,910$208,125$205,610
2 years$106,699$104,712$102,786$100,918$99,107$96,576
3 years$70,426$68,430$66,509$64,659$62,878$60,409
4 years$52,293$50,303$48,402$46,583$44,845$42,458
5 years$41,416$39,438$37,562$35,781$34,090$31,792
6 years$34,167$32,204$30,355$28,614$26,975$24,767
7 years$28,992$27,045$25,225$23,525$21,938$19,822
8 years$25,112$23,183$21,393$19,735$18,199$16,176
9 years$22,095$20,185$18,426$16,810$15,326$13,394
10 years$19,684$17,792$16,064$14,490$13,059$11,217
11 years$17,712$15,839$14,143$12,611$11,231$9,477
12 years$16,070$14,216$12,551$11,061$9,733$8,065
13 years$14,682$12,847$11,214$9,765$8,487$6,904
14 years$13,493$11,678$10,076$8,669$7,440$5,938
15 years$12,463$10,668$9,097$7,731$6,550$5,129
16 years$11,563$9,788$8,248$6,922$5,789$4,444
17 years$10,770$9,014$7,505$6,220$5,133$3,863
18 years$10,066$8,329$6,851$5,605$4,564$3,365
19 years$9,436$7,720$6,272$5,065$4,068$2,938
20 years$8,871$7,173$5,756$4,587$3,634$2,570
21 years$8,359$6,682$5,294$4,163$3,252$2,251
22 years$7,895$6,237$4,880$3,785$2,915$1,975
23 years$7,472$5,834$4,505$3,447$2,617$1,735
24 years$7,085$5,466$4,167$3,144$2,352$1,525
25 years$6,729$5,129$3,859$2,871$2,116$1,342
26 years$6,401$4,821$3,579$2,625$1,906$1,182
27 years$6,098$4,537$3,324$2,403$1,719$1,041
28 years$5,817$4,275$3,090$2,202$1,551$918
29 years$5,556$4,033$2,875$2,019$1,400$810
30 years$5,313$3,809$2,678$1,853$1,265$715
31 years$5,086$3,600$2,497$1,702$1,144$631
32 years$4,873$3,407$2,330$1,564$1,035$558
33 years$4,674$3,226$2,175$1,438$936$493
34 years$4,487$3,058$2,032$1,323$848$436
35 years$4,311$2,900$1,900$1,218$768$385
36 years$4,145$2,753$1,778$1,122$696$341
37 years$3,989$2,615$1,664$1,034$631$301
38 years$3,841$2,485$1,558$953$572$266
39 years$3,701$2,363$1,460$879$518$236
40 years$3,568$2,248$1,368$810$470$209
41 years$3,442$2,140$1,283$748$427$185
42 years$3,323$2,038$1,203$690$387$163
43 years$3,209$1,942$1,129$637$351$145
44 years$3,101$1,851$1,060$588$319$128
45 years$2,998$1,765$995$543$290$113
46 years$2,900$1,684$935$502$263$100
47 years$2,806$1,607$878$463$239$89
48 years$2,716$1,534$825$428$217$79
49 years$2,630$1,465$776$396$197$70
50 years$2,548$1,399$729$366$179$62

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 $3,592 every year, while hoping to spend $43,151 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: 33/47/20 Blend
34$2,610,000$2,610,000$2,610,000$2,610,000
35$2,879,925$2,741,595$2,701,140$2,957,093
36$3,127,765$2,830,021$2,745,716$3,103,178
37$3,399,439$2,921,333$2,790,339$3,256,310
38$3,697,331$3,015,628$2,834,965$3,420,451
39$4,024,070$3,113,005$2,879,547$3,596,595
40$4,382,548$3,213,566$2,924,036$3,785,835
41$4,775,955$3,317,417$2,968,377$3,989,372
42$5,207,800$3,424,668$3,012,515$4,208,525
43$5,681,951$3,535,432$3,056,390$4,444,744
44$6,202,668$3,649,827$3,099,938$4,699,623
45$6,774,645$3,767,973$3,143,091$4,974,916
46$7,403,052$3,889,997$3,185,777$5,272,548
47$8,093,585$4,016,028$3,227,922$5,594,641
48$8,852,517$4,146,200$3,269,444$5,943,524
49$9,686,762$4,280,653$3,310,259$6,321,764
50$10,603,936$4,419,529$3,350,277$6,732,183
51$11,612,429$4,562,977$3,389,402$7,177,885
52$12,721,486$4,711,152$3,427,536$7,662,287
53$13,941,290$4,864,211$3,464,572$8,189,150
54$15,283,065$5,022,321$3,500,398$8,762,612
55$16,759,173$5,185,650$3,534,896$9,387,231
56$18,383,237$5,354,375$3,567,944$10,068,021
57$20,170,266$5,528,678$3,599,409$10,810,503
58$22,136,798$5,708,749$3,629,154$11,620,757
59$24,301,055$5,894,781$3,657,035$12,505,474
60$26,683,116$6,086,978$3,682,898$13,472,026
61$29,305,101$6,285,548$3,706,583$14,528,527
62$32,191,389$6,490,707$3,727,921$15,683,914
63$35,368,840$6,702,681$3,746,735$16,948,029
64$38,867,049$6,921,699$3,762,838$18,331,711
65$42,718,628$7,148,003$3,776,034$19,846,897
66$46,959,514$7,381,841$3,786,117$21,506,736
67$51,629,303$7,623,470$3,792,870$23,325,710
68$56,771,628$7,873,156$3,796,068$25,319,771
69$62,434,569$8,131,175$3,795,470$27,506,491
70$68,671,105$8,397,813$3,790,828$29,905,226
71$75,539,616$8,673,364$3,781,879$32,537,297
72$83,104,433$8,958,135$3,768,349$35,426,194
73$91,436,444$9,252,443$3,749,947$38,597,792
74$100,613,764$9,556,615$3,726,374$42,080,598
75$110,722,471$9,870,993$3,697,310$45,906,019
76$121,857,419$10,195,927$3,662,426$50,108,653
77$134,123,131$10,531,782$3,621,372$54,726,620
78$147,634,787$10,878,937$3,573,785$59,801,917
79$162,519,312$11,237,781$3,519,284$65,380,816
80$178,916,571$11,608,721$3,457,468$71,514,298
81$196,980,688$11,992,176$3,387,921$78,258,534
82$216,881,507$12,388,581$3,310,205$85,675,411
83$238,806,186$12,798,387$3,223,862$93,833,122
84$262,960,970$13,222,061$3,128,414$102,806,798
85$289,573,132$13,660,085$3,023,360$112,679,228
86$318,893,125$14,112,963$2,908,176$123,541,630
87$351,196,939$14,581,213$2,782,314$135,494,513
88$386,788,708$15,065,373$2,645,203$148,648,626
89$426,003,582$15,566,003$2,496,243$163,126,002
90$469,210,890$16,083,680$2,334,810$179,061,108
91$516,817,624$16,619,003$2,160,250$196,602,111
92$569,272,282$17,172,595$1,971,879$215,912,278
93$627,069,103$17,745,100$1,768,984$237,171,514
94$690,752,727$18,337,185$1,550,821$260,578,060
95$760,923,342$18,949,544$1,316,610$286,350,359
96$838,242,345$19,582,894$1,065,539$314,729,124
97$923,438,588$20,237,980$796,759$345,979,599
98$1,017,315,258$20,915,575$509,384$380,394,071
99$1,120,757,455$21,616,478$202,488$418,294,618
100$1,234,740,550$22,341,521$0$460,036,156