Can I retire at age 35 with 2,620,000?

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 $2,620,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$216,357$214,430$212,550$210,714$208,922$206,483
2 years$107,108$105,113$103,179$101,305$99,487$97,032
3 years$70,696$68,692$66,764$64,907$63,119$60,723
4 years$52,493$50,496$48,587$46,762$45,017$42,700
5 years$41,575$39,590$37,706$35,918$34,221$31,990
6 years$34,298$32,328$30,472$28,724$27,078$24,935
7 years$29,103$27,149$25,322$23,615$22,022$19,968
8 years$25,208$23,272$21,475$19,810$18,269$16,304
9 years$22,180$20,262$18,497$16,874$15,385$13,509
10 years$19,759$17,860$16,126$14,546$13,109$11,319
11 years$17,780$15,900$14,197$12,659$11,274$9,570
12 years$16,132$14,271$12,599$11,104$9,770$8,149
13 years$14,738$12,897$11,257$9,803$8,520$6,980
14 years$13,544$11,723$10,114$8,702$7,468$6,008
15 years$12,511$10,709$9,132$7,761$6,576$5,192
16 years$11,608$9,825$8,279$6,949$5,812$4,503
17 years$10,811$9,049$7,534$6,243$5,153$3,916
18 years$10,104$8,361$6,877$5,627$4,582$3,414
19 years$9,472$7,749$6,296$5,084$4,084$2,983
20 years$8,905$7,201$5,778$4,605$3,648$2,611
21 years$8,391$6,707$5,315$4,179$3,264$2,289
22 years$7,925$6,261$4,898$3,800$2,926$2,010
23 years$7,501$5,856$4,523$3,460$2,627$1,766
24 years$7,112$5,487$4,183$3,156$2,361$1,554
25 years$6,755$5,149$3,874$2,882$2,124$1,369
26 years$6,426$4,839$3,593$2,635$1,914$1,206
27 years$6,121$4,554$3,336$2,412$1,725$1,064
28 years$5,839$4,291$3,102$2,210$1,557$939
29 years$5,577$4,048$2,886$2,027$1,406$829
30 years$5,333$3,823$2,689$1,860$1,270$732
31 years$5,105$3,614$2,506$1,708$1,148$647
32 years$4,892$3,420$2,339$1,570$1,039$572
33 years$4,692$3,239$2,184$1,444$940$506
34 years$4,504$3,070$2,040$1,328$851$448
35 years$4,328$2,911$1,907$1,223$771$396
36 years$4,161$2,763$1,784$1,126$698$351
37 years$4,004$2,625$1,670$1,038$633$310
38 years$3,856$2,494$1,564$956$574$275
39 years$3,715$2,372$1,465$882$520$243
40 years$3,582$2,257$1,373$813$472$215
41 years$3,456$2,148$1,288$750$428$191
42 years$3,336$2,046$1,208$693$389$169
43 years$3,222$1,949$1,134$639$353$150
44 years$3,113$1,858$1,064$590$320$133
45 years$3,009$1,772$999$545$291$118
46 years$2,911$1,690$938$504$264$104
47 years$2,817$1,613$882$465$240$92
48 years$2,726$1,540$828$430$218$82
49 years$2,640$1,470$779$397$198$72
50 years$2,558$1,405$732$367$180$64

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,620,000, adding $6,817 every year, while hoping to spend $43,415 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: 45/42/13 Blend
34$2,620,000$2,620,000$2,620,000$2,620,000
35$2,894,272$2,755,412$2,714,802$3,013,498
36$3,143,294$2,844,234$2,759,554$3,185,904
37$3,416,262$2,935,953$2,804,351$3,367,800
38$3,715,571$3,030,665$2,849,148$3,564,081
39$4,043,862$3,128,470$2,893,897$3,776,093
40$4,404,042$3,229,471$2,938,548$4,005,318
41$4,799,312$3,333,774$2,983,047$4,253,381
42$5,233,201$3,441,488$3,027,339$4,522,075
43$5,709,594$3,552,727$3,071,361$4,813,367
44$6,232,772$3,667,609$3,115,050$5,129,423
45$6,807,448$3,786,256$3,158,338$5,472,626
46$7,438,818$3,908,792$3,201,153$5,845,598
47$8,132,603$4,035,349$3,243,417$6,251,224
48$8,895,108$4,166,061$3,285,051$6,692,678
49$9,733,277$4,301,066$3,325,968$7,173,453
50$10,654,762$4,440,508$3,366,079$7,697,396
51$11,667,992$4,584,538$3,405,287$8,268,740
52$12,782,255$4,733,307$3,443,491$8,892,145
53$14,007,782$4,886,976$3,480,585$9,572,741
54$15,355,847$5,045,710$3,516,457$10,316,176
55$16,838,873$5,209,679$3,550,987$11,128,669
56$18,470,544$5,379,059$3,584,051$12,017,068
57$20,265,940$5,554,033$3,615,517$12,988,914
58$22,241,675$5,734,791$3,645,246$14,052,511
59$24,416,056$5,921,526$3,673,093$15,217,004
60$26,809,255$6,114,442$3,698,902$16,492,464
61$29,443,497$6,313,748$3,722,514$17,889,985
62$32,343,273$6,519,660$3,743,757$19,421,782
63$35,535,566$6,732,403$3,762,452$21,101,313
64$39,050,112$6,952,208$3,778,412$22,943,401
65$42,919,674$7,179,317$3,791,439$24,964,372
66$47,180,354$7,413,977$3,801,326$27,182,211
67$51,871,934$7,656,446$3,807,854$29,616,731
68$57,038,249$7,906,990$3,810,796$32,289,756
69$62,727,603$8,165,885$3,809,910$35,225,330
70$68,993,223$8,433,417$3,804,945$38,449,940
71$75,893,758$8,709,881$3,795,638$41,992,765
72$83,493,839$8,995,583$3,781,710$45,885,954
73$91,864,685$9,290,841$3,762,872$50,164,925
74$101,084,773$9,595,983$3,738,818$54,868,699
75$111,240,582$9,911,348$3,709,230$60,040,268
76$122,427,406$10,237,288$3,673,774$65,726,998
77$134,750,254$10,574,168$3,632,098$71,981,079
78$148,324,844$10,922,366$3,583,837$78,860,010
79$163,278,689$11,282,273$3,528,607$86,427,148
80$179,752,304$11,654,294$3,466,004$94,752,299
81$197,900,533$12,038,848$3,395,609$103,912,378
82$217,894,006$12,436,370$3,316,980$113,992,134
83$239,920,753$12,847,310$3,229,658$125,084,947
84$264,187,978$13,272,136$3,133,159$137,293,711
85$290,924,012$13,711,331$3,026,980$150,731,802
86$320,380,470$14,165,395$2,910,593$165,524,145
87$352,834,626$14,634,848$2,783,446$181,808,396
88$388,592,030$15,120,228$2,644,964$199,736,236
89$427,989,390$15,622,092$2,494,543$219,474,805
90$471,397,751$16,141,017$2,331,553$241,208,275
91$519,225,999$16,677,604$2,155,337$265,139,587
92$571,924,716$17,232,472$1,965,206$291,492,367
93$629,990,439$17,806,265$1,760,443$320,513,035
94$693,970,342$18,399,651$1,540,296$352,473,129
95$764,467,403$19,013,319$1,303,982$387,671,864
96$842,146,095$19,647,989$1,050,682$426,438,960
97$927,738,658$20,304,402$779,541$469,137,748
98$1,022,052,013$20,983,329$489,668$516,168,601
99$1,125,975,376$21,685,571$180,130$567,972,707
100$1,240,488,656$22,411,955$0$625,036,240