Can I retire at age 35 with 2,630,000?

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 $2,630,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$217,183$215,248$213,361$211,519$209,720$202,763
2 years$107,516$105,514$103,573$101,692$99,867$92,925
3 years$70,966$68,955$67,019$65,155$63,359$56,652
4 years$52,694$50,689$48,773$46,940$45,189$38,765
5 years$41,734$39,741$37,849$36,055$34,352$28,230
6 years$34,429$32,451$30,588$28,833$27,181$21,367
7 years$29,214$27,253$25,419$23,705$22,106$16,597
8 years$25,304$23,360$21,557$19,886$18,339$13,132
9 years$22,265$20,339$18,567$16,938$15,444$10,533
10 years$19,835$17,928$16,187$14,601$13,159$8,536
11 years$17,848$15,960$14,251$12,707$11,317$6,973
12 years$16,193$14,325$12,647$11,146$9,807$5,733
13 years$14,794$12,946$11,300$9,840$8,552$4,737
14 years$13,596$11,767$10,153$8,735$7,497$3,930
15 years$12,559$10,750$9,167$7,790$6,601$3,271
16 years$11,652$9,863$8,311$6,975$5,834$2,730
17 years$10,853$9,083$7,563$6,267$5,173$2,284
18 years$10,143$8,393$6,904$5,648$4,599$1,914
19 years$9,509$7,779$6,320$5,103$4,099$1,606
20 years$8,939$7,228$5,800$4,622$3,662$1,350
21 years$8,423$6,733$5,335$4,195$3,277$1,136
22 years$7,956$6,285$4,917$3,814$2,937$956
23 years$7,529$5,878$4,540$3,474$2,637$806
24 years$7,139$5,508$4,199$3,168$2,370$679
25 years$6,781$5,169$3,889$2,893$2,132$573
26 years$6,450$4,858$3,607$2,645$1,921$484
27 years$6,145$4,572$3,349$2,421$1,732$408
28 years$5,862$4,308$3,113$2,219$1,563$345
29 years$5,599$4,064$2,897$2,035$1,411$291
30 years$5,354$3,838$2,699$1,867$1,275$246
31 years$5,125$3,628$2,516$1,715$1,153$208
32 years$4,911$3,433$2,347$1,576$1,043$176
33 years$4,710$3,251$2,192$1,449$944$149
34 years$4,521$3,081$2,048$1,333$854$126
35 years$4,344$2,922$1,915$1,227$774$106
36 years$4,177$2,774$1,791$1,130$701$90
37 years$4,019$2,635$1,676$1,042$635$76
38 years$3,870$2,504$1,570$960$576$64
39 years$3,729$2,381$1,471$885$522$54
40 years$3,596$2,265$1,379$816$474$46
41 years$3,469$2,156$1,293$753$430$39
42 years$3,348$2,054$1,213$695$390$33
43 years$3,234$1,957$1,138$642$354$28
44 years$3,125$1,865$1,068$593$321$24
45 years$3,021$1,778$1,003$547$292$20
46 years$2,922$1,697$942$506$265$17
47 years$2,827$1,619$885$467$241$14
48 years$2,737$1,546$832$432$218$12
49 years$2,650$1,476$782$399$198$10
50 years$2,568$1,410$735$369$180$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,630,000, adding $2,178 every year, while hoping to spend $55,000 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: 73/10/17 Blend
34$2,630,000$2,630,000$2,630,000$2,630,000
35$2,900,507$2,761,117$2,720,352$3,100,744
36$3,137,839$2,837,892$2,752,964$3,310,620
37$3,397,535$2,916,586$2,784,825$3,533,545
38$3,681,820$2,997,234$2,815,852$3,776,313
39$3,993,139$3,079,873$2,845,958$4,040,883
40$4,334,191$3,164,538$2,875,049$4,329,410
41$4,707,943$3,251,264$2,903,027$4,644,269
42$5,117,665$3,340,088$2,929,790$4,988,077
43$5,566,958$3,431,044$2,955,230$5,363,715
44$6,059,789$3,524,166$2,979,231$5,774,358
45$6,600,526$3,619,489$3,001,674$6,223,502
46$7,193,981$3,717,045$3,022,432$6,715,001
47$7,845,455$3,816,869$3,041,371$7,253,099
48$8,560,787$3,918,990$3,058,352$7,842,471
49$9,346,408$4,023,442$3,073,228$8,488,270
50$10,209,403$4,130,252$3,085,843$9,196,171
51$11,157,579$4,239,451$3,096,035$9,972,428
52$12,199,533$4,351,065$3,103,633$10,823,931
53$13,344,739$4,465,121$3,108,458$11,758,273
54$14,603,632$4,581,642$3,110,322$12,783,819
55$15,987,712$4,700,651$3,109,026$13,909,786
56$17,509,644$4,822,169$3,104,365$15,146,330
57$19,183,386$4,946,213$3,096,119$16,504,643
58$21,024,313$5,072,800$3,084,061$17,997,058
59$23,049,369$5,201,943$3,067,953$19,637,161
60$25,277,218$5,333,652$3,047,543$21,439,927
61$27,728,428$5,467,934$3,022,569$23,421,855
62$30,425,658$5,604,793$2,992,756$25,601,128
63$33,393,877$5,744,230$2,957,815$27,997,780
64$36,660,596$5,886,240$2,917,445$30,633,891
65$40,256,127$6,030,816$2,871,330$33,533,790
66$44,213,871$6,177,946$2,819,138$36,724,286
67$48,570,630$6,327,610$2,760,524$40,234,924
68$53,366,959$6,479,787$2,695,126$44,098,261
69$58,647,539$6,634,447$2,622,563$48,350,175
70$64,461,609$6,791,556$2,542,440$53,030,202
71$70,863,423$6,951,072$2,454,341$58,181,910
72$77,912,764$7,112,946$2,357,833$63,853,311
73$85,675,507$7,277,122$2,252,462$70,097,315
74$94,224,243$7,443,535$2,137,754$76,972,229
75$103,638,960$7,612,113$2,013,213$84,542,304
76$114,007,799$7,782,771$1,878,321$92,878,348
77$125,427,887$7,955,419$1,732,537$102,058,391
78$138,006,248$8,129,952$1,575,294$112,168,421
79$151,860,822$8,306,255$1,406,002$123,303,198
80$167,121,567$8,484,203$1,224,045$135,567,149
81$183,931,692$8,663,654$1,028,776$149,075,353
82$202,449,008$8,844,457$819,523$163,954,628
83$222,847,412$9,026,441$595,583$180,344,726
84$245,318,535$9,209,423$356,222$198,399,660
85$270,073,545$9,393,204$100,674$218,289,149
86$297,345,139$9,577,564$0$240,200,229
87$327,389,745$9,762,266$0$264,370,220
88$360,489,936$9,947,054$0$291,016,572
89$396,957,100$10,131,650$0$320,371,472
90$437,134,375$10,315,752$0$352,710,930
91$481,399,894$10,499,036$0$388,339,104
92$530,170,346$10,681,152$0$427,591,167
93$583,904,916$10,861,724$0$470,836,472
94$643,109,614$11,040,345$0$518,482,042
95$708,342,053$11,216,579$0$570,976,407
96$780,216,711$11,389,960$0$628,813,840
97$859,410,732$11,559,986$0$692,539,024
98$946,670,320$11,726,118$0$762,752,191
99$1,042,817,775$11,887,780$0$840,114,789
100$1,148,759,265$12,044,358$0$925,355,725