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%17.4%
1 years$215,531$213,612$211,738$209,910$208,125$201,867
2 years$106,699$104,712$102,786$100,918$99,107$92,855
3 years$70,426$68,430$66,509$64,659$62,878$56,828
4 years$52,293$50,303$48,402$46,583$44,845$39,043
5 years$41,416$39,438$37,562$35,781$34,090$28,553
6 years$34,167$32,204$30,355$28,614$26,975$21,706
7 years$28,992$27,045$25,225$23,525$21,938$16,937
8 years$25,112$23,183$21,393$19,735$18,199$13,465
9 years$22,095$20,185$18,426$16,810$15,326$10,853
10 years$19,684$17,792$16,064$14,490$13,059$8,839
11 years$17,712$15,839$14,143$12,611$11,231$7,258
12 years$16,070$14,216$12,551$11,061$9,733$5,999
13 years$14,682$12,847$11,214$9,765$8,487$4,984
14 years$13,493$11,678$10,076$8,669$7,440$4,158
15 years$12,463$10,668$9,097$7,731$6,550$3,480
16 years$11,563$9,788$8,248$6,922$5,789$2,922
17 years$10,770$9,014$7,505$6,220$5,133$2,458
18 years$10,066$8,329$6,851$5,605$4,564$2,072
19 years$9,436$7,720$6,272$5,065$4,068$1,750
20 years$8,871$7,173$5,756$4,587$3,634$1,480
21 years$8,359$6,682$5,294$4,163$3,252$1,253
22 years$7,895$6,237$4,880$3,785$2,915$1,061
23 years$7,472$5,834$4,505$3,447$2,617$900
24 years$7,085$5,466$4,167$3,144$2,352$764
25 years$6,729$5,129$3,859$2,871$2,116$648
26 years$6,401$4,821$3,579$2,625$1,906$551
27 years$6,098$4,537$3,324$2,403$1,719$468
28 years$5,817$4,275$3,090$2,202$1,551$398
29 years$5,556$4,033$2,875$2,019$1,400$338
30 years$5,313$3,809$2,678$1,853$1,265$288
31 years$5,086$3,600$2,497$1,702$1,144$245
32 years$4,873$3,407$2,330$1,564$1,035$208
33 years$4,674$3,226$2,175$1,438$936$177
34 years$4,487$3,058$2,032$1,323$848$151
35 years$4,311$2,900$1,900$1,218$768$128
36 years$4,145$2,753$1,778$1,122$696$109
37 years$3,989$2,615$1,664$1,034$631$93
38 years$3,841$2,485$1,558$953$572$79
39 years$3,701$2,363$1,460$879$518$68
40 years$3,568$2,248$1,368$810$470$57
41 years$3,442$2,140$1,283$748$427$49
42 years$3,323$2,038$1,203$690$387$42
43 years$3,209$1,942$1,129$637$351$36
44 years$3,101$1,851$1,060$588$319$30
45 years$2,998$1,765$995$543$290$26
46 years$2,900$1,684$935$502$263$22
47 years$2,806$1,607$878$463$239$19
48 years$2,716$1,534$825$428$217$16
49 years$2,630$1,465$776$396$197$14
50 years$2,548$1,399$729$366$179$12

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 $4,077 every year, while hoping to spend $27,900 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: 40/31/29 Blend
34$2,610,000$2,610,000$2,610,000$2,610,000
35$2,880,425$2,742,095$2,701,640$2,970,839
36$3,144,543$2,846,773$2,762,460$3,141,758
37$3,434,666$2,955,644$2,824,382$3,323,668
38$3,753,417$3,068,886$2,887,414$3,519,954
39$4,103,686$3,186,681$2,951,562$3,731,950
40$4,488,656$3,309,222$3,016,833$3,961,124
41$4,911,834$3,436,709$3,083,232$4,209,088
42$5,377,084$3,569,351$3,150,764$4,477,617
43$5,888,664$3,707,366$3,219,431$4,768,657
44$6,451,262$3,850,983$3,289,237$5,084,351
45$7,070,048$4,000,437$3,360,184$5,427,055
46$7,750,713$4,155,979$3,432,270$5,799,360
47$8,499,531$4,317,868$3,505,497$6,204,114
48$9,323,414$4,486,373$3,579,861$6,644,452
49$10,229,975$4,661,779$3,655,360$7,123,822
50$11,227,607$4,844,380$3,731,988$7,646,017
51$12,325,553$5,034,485$3,809,740$8,215,210
52$13,534,001$5,232,417$3,888,608$8,835,995
53$14,864,175$5,438,511$3,968,582$9,513,426
54$16,328,442$5,653,119$4,049,651$10,253,065
55$17,940,430$5,876,609$4,131,801$11,061,035
56$19,715,156$6,109,364$4,215,018$11,944,076
57$21,669,164$6,351,786$4,299,284$12,909,606
58$23,820,688$6,604,293$4,384,579$13,965,792
59$26,189,818$6,867,322$4,470,882$15,121,627
60$28,798,690$7,141,332$4,558,167$16,387,009
61$31,671,699$7,426,800$4,646,409$17,772,839
62$34,835,724$7,724,225$4,735,575$19,291,119
63$38,320,386$8,034,130$4,825,635$20,955,066
64$42,158,322$8,357,059$4,916,551$22,779,233
65$46,385,500$8,693,584$5,008,284$24,779,648
66$51,041,552$9,044,300$5,100,792$26,973,962
67$56,170,149$9,409,830$5,194,028$29,381,614
68$61,819,418$9,790,826$5,287,942$32,024,016
69$68,042,390$10,187,967$5,382,479$34,924,748
70$74,897,502$10,601,967$5,477,581$38,109,785
71$82,449,152$11,033,568$5,573,184$41,607,734
72$90,768,302$11,483,548$5,669,222$45,450,111
73$99,933,149$11,952,722$5,765,621$49,671,626
74$110,029,864$12,441,940$5,862,304$54,310,517
75$121,153,406$12,952,090$5,959,186$59,408,907
76$133,408,414$13,484,104$6,056,180$65,013,197
77$146,910,200$14,038,953$6,153,190$71,174,503
78$161,785,834$14,617,655$6,250,115$77,949,139
79$178,175,342$15,221,273$6,346,847$85,399,143
80$196,233,031$15,850,920$6,443,271$93,592,860
81$216,128,945$16,507,759$6,539,265$102,605,588
82$238,050,466$17,193,008$6,634,699$112,520,282
83$262,204,089$17,907,940$6,729,436$123,428,338
84$288,817,363$18,653,887$6,823,330$135,430,449
85$318,141,048$19,432,242$6,916,226$148,637,557
86$350,451,475$20,244,461$7,007,959$163,171,893
87$386,053,157$21,092,071$7,098,357$179,168,132
88$425,281,662$21,976,666$7,187,235$196,774,656
89$468,506,785$22,899,915$7,274,400$216,154,954
90$516,136,031$23,863,565$7,359,647$237,489,162
91$568,618,469$24,869,443$7,442,758$260,975,760
92$626,448,967$25,919,460$7,523,505$286,833,438
93$690,172,866$27,015,618$7,601,647$315,303,162
94$760,391,125$28,160,010$7,676,928$346,650,438
95$837,765,996$29,354,827$7,749,082$381,167,820
96$923,027,276$30,602,361$7,817,824$419,177,664
97$1,016,979,194$31,905,013$7,882,857$461,035,166
98$1,120,508,007$33,265,294$7,943,868$507,131,709
99$1,234,590,362$34,685,832$8,000,526$557,898,558
100$1,360,302,519$36,169,378$8,052,484$613,810,917