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%19.6%
1 years$216,357$214,430$212,550$210,714$208,922$200,871
2 years$107,108$105,113$103,179$101,305$99,487$91,471
3 years$70,696$68,692$66,764$64,907$63,119$55,391
4 years$52,493$50,496$48,587$46,762$45,017$37,636
5 years$41,575$39,590$37,706$35,918$34,221$27,206
6 years$34,298$32,328$30,472$28,724$27,078$20,434
7 years$29,103$27,149$25,322$23,615$22,022$15,746
8 years$25,208$23,272$21,475$19,810$18,269$12,356
9 years$22,180$20,262$18,497$16,874$15,385$9,825
10 years$19,759$17,860$16,126$14,546$13,109$7,892
11 years$17,780$15,900$14,197$12,659$11,274$6,389
12 years$16,132$14,271$12,599$11,104$9,770$5,204
13 years$14,738$12,897$11,257$9,803$8,520$4,259
14 years$13,544$11,723$10,114$8,702$7,468$3,499
15 years$12,511$10,709$9,132$7,761$6,576$2,883
16 years$11,608$9,825$8,279$6,949$5,812$2,382
17 years$10,811$9,049$7,534$6,243$5,153$1,972
18 years$10,104$8,361$6,877$5,627$4,582$1,636
19 years$9,472$7,749$6,296$5,084$4,084$1,358
20 years$8,905$7,201$5,778$4,605$3,648$1,129
21 years$8,391$6,707$5,315$4,179$3,264$940
22 years$7,925$6,261$4,898$3,800$2,926$783
23 years$7,501$5,856$4,523$3,460$2,627$652
24 years$7,112$5,487$4,183$3,156$2,361$544
25 years$6,755$5,149$3,874$2,882$2,124$454
26 years$6,426$4,839$3,593$2,635$1,914$379
27 years$6,121$4,554$3,336$2,412$1,725$316
28 years$5,839$4,291$3,102$2,210$1,557$264
29 years$5,577$4,048$2,886$2,027$1,406$220
30 years$5,333$3,823$2,689$1,860$1,270$184
31 years$5,105$3,614$2,506$1,708$1,148$154
32 years$4,892$3,420$2,339$1,570$1,039$129
33 years$4,692$3,239$2,184$1,444$940$107
34 years$4,504$3,070$2,040$1,328$851$90
35 years$4,328$2,911$1,907$1,223$771$75
36 years$4,161$2,763$1,784$1,126$698$63
37 years$4,004$2,625$1,670$1,038$633$52
38 years$3,856$2,494$1,564$956$574$44
39 years$3,715$2,372$1,465$882$520$37
40 years$3,582$2,257$1,373$813$472$31
41 years$3,456$2,148$1,288$750$428$26
42 years$3,336$2,046$1,208$693$389$21
43 years$3,222$1,949$1,134$639$353$18
44 years$3,113$1,858$1,064$590$320$15
45 years$3,009$1,772$999$545$291$13
46 years$2,911$1,690$938$504$264$10
47 years$2,817$1,613$882$465$240$9
48 years$2,726$1,540$828$430$218$7
49 years$2,640$1,470$779$397$198$6
50 years$2,558$1,405$732$367$180$5

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 $4,159 every year, while hoping to spend $54,865 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: 46/29/25 Blend
34$2,620,000$2,620,000$2,620,000$2,620,000
35$2,891,530$2,752,670$2,712,060$3,003,594
36$3,128,090$2,829,175$2,744,538$3,159,532
37$3,386,941$2,907,590$2,776,265$3,322,929
38$3,670,297$2,987,950$2,807,159$3,499,128
39$3,980,599$3,070,292$2,837,130$3,689,355
40$4,320,534$3,154,650$2,866,088$3,894,960
41$4,693,061$3,241,060$2,893,934$4,117,427
42$5,101,438$3,329,556$2,920,566$4,358,394
43$5,549,254$3,420,174$2,945,875$4,619,661
44$6,040,463$3,512,948$2,969,747$4,903,214
45$6,579,419$3,607,911$2,992,062$5,211,239
46$7,170,917$3,705,096$3,012,693$5,546,146
47$7,820,241$3,804,536$3,031,509$5,910,588
48$8,533,209$3,906,262$3,048,368$6,307,487
49$9,316,232$4,010,305$3,063,124$6,740,066
50$10,176,372$4,116,693$3,075,622$7,211,873
51$11,121,407$4,225,456$3,085,701$7,726,818
52$12,159,907$4,336,621$3,093,189$8,289,211
53$13,301,315$4,450,212$3,097,907$8,903,797
54$14,556,030$4,566,253$3,099,668$9,575,810
55$15,935,513$4,684,768$3,098,275$10,311,014
56$17,452,388$4,805,774$3,093,520$11,115,762
57$19,120,565$4,929,291$3,085,186$11,997,053
58$20,955,369$5,055,332$3,073,047$12,962,604
59$22,973,685$5,183,912$3,056,862$14,020,916
60$25,194,117$5,315,040$3,036,383$15,181,357
61$27,637,162$5,448,722$3,011,347$16,454,253
62$30,325,405$5,584,962$2,981,480$17,850,983
63$33,283,730$5,723,759$2,946,493$19,384,087
64$36,539,556$5,865,108$2,906,086$21,067,386
65$40,123,095$6,009,002$2,859,943$22,916,109
66$44,067,633$6,155,427$2,807,735$24,947,043
67$48,409,853$6,304,363$2,749,115$27,178,687
68$53,190,169$6,455,788$2,683,721$29,631,429
69$58,453,117$6,609,672$2,611,176$32,327,736
70$64,247,768$6,765,980$2,531,084$35,292,373
71$70,628,195$6,924,668$2,443,030$38,552,629
72$77,653,981$7,085,687$2,346,582$42,138,583
73$85,390,782$7,248,979$2,241,287$46,083,382
74$93,910,943$7,414,481$2,126,671$50,423,558
75$103,294,184$7,582,116$2,002,240$55,199,373
76$113,628,353$7,751,801$1,867,477$60,455,199
77$125,010,249$7,923,444$1,721,842$66,239,938
78$137,546,540$8,096,938$1,564,769$72,607,486
79$151,354,769$8,272,169$1,395,670$79,617,239
80$166,564,458$8,449,009$1,213,928$87,334,659
81$183,318,339$8,627,316$1,018,901$95,831,888
82$201,773,690$8,806,935$809,915$105,188,437
83$222,103,830$8,987,698$586,270$115,491,929
84$244,499,744$9,169,419$347,234$126,838,935
85$269,171,893$9,351,896$92,041$139,335,883
86$296,352,196$9,534,909$0$153,100,065
87$326,296,221$9,718,220$0$168,308,840
88$359,285,593$9,901,570$0$185,085,900
89$395,630,656$10,084,680$0$203,563,902
90$435,673,401$10,267,247$0$223,916,111
91$479,790,691$10,448,946$0$246,333,469
92$528,397,821$10,629,423$0$271,026,386
93$581,952,435$10,808,301$0$298,226,735
94$640,958,848$10,985,172$0$328,190,037
95$705,972,804$11,159,599$0$361,197,875
96$777,606,722$11,331,111$0$397,560,552
97$856,535,477$11,499,206$0$437,620,020
98$943,502,771$11,663,342$0$481,753,109
99$1,039,328,150$11,822,942$0$530,375,087
100$1,144,914,743$11,977,388$0$583,943,576