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

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 $2,620,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$216,357$214,430$212,550$210,714$208,922$202,397
2 years$107,108$105,113$103,179$101,305$99,487$92,971
3 years$70,696$68,692$66,764$64,907$63,119$56,816
4 years$52,493$50,496$48,587$46,762$45,017$38,976
5 years$41,575$39,590$37,706$35,918$34,221$28,459
6 years$34,298$32,328$30,472$28,724$27,078$21,599
7 years$29,103$27,149$25,322$23,615$22,022$16,825
8 years$25,208$23,272$21,475$19,810$18,269$13,352
9 years$22,180$20,262$18,497$16,874$15,385$10,742
10 years$19,759$17,860$16,126$14,546$13,109$8,733
11 years$17,780$15,900$14,197$12,659$11,274$7,157
12 years$16,132$14,271$12,599$11,104$9,770$5,903
13 years$14,738$12,897$11,257$9,803$8,520$4,894
14 years$13,544$11,723$10,114$8,702$7,468$4,075
15 years$12,511$10,709$9,132$7,761$6,576$3,404
16 years$11,608$9,825$8,279$6,949$5,812$2,851
17 years$10,811$9,049$7,534$6,243$5,153$2,394
18 years$10,104$8,361$6,877$5,627$4,582$2,013
19 years$9,472$7,749$6,296$5,084$4,084$1,696
20 years$8,905$7,201$5,778$4,605$3,648$1,431
21 years$8,391$6,707$5,315$4,179$3,264$1,209
22 years$7,925$6,261$4,898$3,800$2,926$1,022
23 years$7,501$5,856$4,523$3,460$2,627$864
24 years$7,112$5,487$4,183$3,156$2,361$732
25 years$6,755$5,149$3,874$2,882$2,124$620
26 years$6,426$4,839$3,593$2,635$1,914$525
27 years$6,121$4,554$3,336$2,412$1,725$445
28 years$5,839$4,291$3,102$2,210$1,557$378
29 years$5,577$4,048$2,886$2,027$1,406$320
30 years$5,333$3,823$2,689$1,860$1,270$272
31 years$5,105$3,614$2,506$1,708$1,148$231
32 years$4,892$3,420$2,339$1,570$1,039$196
33 years$4,692$3,239$2,184$1,444$940$166
34 years$4,504$3,070$2,040$1,328$851$141
35 years$4,328$2,911$1,907$1,223$771$120
36 years$4,161$2,763$1,784$1,126$698$102
37 years$4,004$2,625$1,670$1,038$633$86
38 years$3,856$2,494$1,564$956$574$73
39 years$3,715$2,372$1,465$882$520$62
40 years$3,582$2,257$1,373$813$472$53
41 years$3,456$2,148$1,288$750$428$45
42 years$3,336$2,046$1,208$693$389$38
43 years$3,222$1,949$1,134$639$353$32
44 years$3,113$1,858$1,064$590$320$28
45 years$3,009$1,772$999$545$291$23
46 years$2,911$1,690$938$504$264$20
47 years$2,817$1,613$882$465$240$17
48 years$2,726$1,540$828$430$218$14
49 years$2,640$1,470$779$397$198$12
50 years$2,558$1,405$732$367$180$10

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 $4,377 every year, while hoping to spend $57,863 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: 40/33/27 Blend
34$2,620,000$2,620,000$2,620,000$2,620,000
35$2,891,755$2,752,895$2,712,285$2,984,207
36$3,125,148$2,826,221$2,741,581$3,125,007
37$3,380,408$2,901,201$2,769,918$3,271,517
38$3,659,704$2,977,854$2,797,205$3,428,912
39$3,965,425$3,056,200$2,823,343$3,598,224
40$4,300,201$3,136,256$2,848,227$3,780,591
41$4,666,929$3,218,040$2,871,750$3,977,265
42$5,068,798$3,301,567$2,893,796$4,189,624
43$5,509,322$3,386,850$2,914,245$4,419,190
44$5,992,370$3,473,903$2,932,969$4,667,637
45$6,522,203$3,562,735$2,949,835$4,936,809
46$7,103,516$3,653,357$2,964,703$5,228,740
47$7,741,478$3,745,775$2,977,424$5,545,670
48$8,441,784$3,839,994$2,987,843$5,890,068
49$9,210,708$3,936,015$2,995,797$6,264,655
50$10,055,160$4,033,840$3,001,116$6,672,429
51$10,982,752$4,133,463$3,003,619$7,116,695
52$12,001,870$4,234,881$3,003,118$7,601,094
53$13,121,753$4,338,082$2,999,415$8,129,640
54$14,352,579$4,443,055$2,992,302$8,706,759
55$15,705,559$4,549,782$2,981,562$9,337,325
56$17,193,048$4,658,243$2,966,965$10,026,713
57$18,828,654$4,768,412$2,948,274$10,780,848
58$20,627,372$4,880,260$2,925,237$11,606,259
59$22,605,723$4,993,752$2,897,591$12,510,142
60$24,781,908$5,108,847$2,865,062$13,500,431
61$27,175,981$5,225,499$2,827,360$14,585,869
62$29,810,039$5,343,656$2,784,185$15,776,095
63$32,708,428$5,463,260$2,735,219$17,081,730
64$35,897,971$5,584,243$2,680,133$18,514,486
65$39,408,227$5,706,534$2,618,580$20,087,269
66$43,271,761$5,830,049$2,550,197$21,814,305
67$47,524,458$5,954,699$2,474,607$23,711,276
68$52,205,859$6,080,385$2,391,412$25,795,466
69$57,359,530$6,206,998$2,300,198$28,085,926
70$63,033,479$6,334,417$2,200,531$30,603,656
71$69,280,604$6,462,514$2,091,959$33,371,803
72$76,159,193$6,591,145$1,974,008$36,415,879
73$83,733,476$6,720,156$1,846,182$39,764,005
74$92,074,226$6,849,379$1,707,964$43,447,175
75$101,259,431$6,978,632$1,558,814$47,499,553
76$111,375,025$7,107,718$1,398,168$51,958,794
77$122,515,705$7,236,424$1,225,434$56,866,402
78$134,785,818$7,364,520$1,039,997$62,268,122
79$148,300,348$7,491,758$841,213$68,214,374
80$163,186,001$7,617,871$628,411$74,760,731
81$179,582,400$7,742,573$400,889$81,968,444
82$197,643,401$7,865,556$157,916$89,905,023
83$217,538,548$7,986,488$0$98,644,874
84$239,454,668$8,105,014$0$108,299,213
85$263,597,639$8,220,755$0$118,979,670
86$290,194,329$8,333,303$0$130,740,564
87$319,494,738$8,442,222$0$143,691,941
88$351,774,357$8,547,046$0$157,955,075
89$387,336,769$8,647,279$0$173,663,611
90$426,516,511$8,742,388$0$190,964,827
91$469,682,237$8,831,806$0$210,021,028
92$517,240,188$8,914,928$0$231,011,073
93$569,638,038$8,991,110$0$254,132,070
94$627,369,108$9,059,664$0$279,601,237
95$690,977,028$9,119,859$0$307,657,950
96$761,060,869$9,170,916$0$338,566,006
97$838,280,793$9,212,006$0$372,616,117
98$923,364,289$9,242,250$0$410,128,652
99$1,017,113,035$9,260,709$0$451,456,663
100$1,120,410,470$9,266,388$0$496,989,223