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%18.8%
1 years$217,183$215,248$213,361$211,519$209,720$202,279
2 years$107,516$105,514$103,573$101,692$99,867$92,449
3 years$70,966$68,955$67,019$65,155$63,359$56,199
4 years$52,694$50,689$48,773$46,940$45,189$38,339
5 years$41,734$39,741$37,849$36,055$34,352$27,832
6 years$34,429$32,451$30,588$28,833$27,181$20,996
7 years$29,214$27,253$25,419$23,705$22,106$16,253
8 years$25,304$23,360$21,557$19,886$18,339$12,814
9 years$22,265$20,339$18,567$16,938$15,444$10,240
10 years$19,835$17,928$16,187$14,601$13,159$8,268
11 years$17,848$15,960$14,251$12,707$11,317$6,728
12 years$16,193$14,325$12,647$11,146$9,807$5,509
13 years$14,794$12,946$11,300$9,840$8,552$4,533
14 years$13,596$11,767$10,153$8,735$7,497$3,745
15 years$12,559$10,750$9,167$7,790$6,601$3,104
16 years$11,652$9,863$8,311$6,975$5,834$2,580
17 years$10,853$9,083$7,563$6,267$5,173$2,148
18 years$10,143$8,393$6,904$5,648$4,599$1,792
19 years$9,509$7,779$6,320$5,103$4,099$1,498
20 years$8,939$7,228$5,800$4,622$3,662$1,253
21 years$8,423$6,733$5,335$4,195$3,277$1,049
22 years$7,956$6,285$4,917$3,814$2,937$879
23 years$7,529$5,878$4,540$3,474$2,637$737
24 years$7,139$5,508$4,199$3,168$2,370$619
25 years$6,781$5,169$3,889$2,893$2,132$520
26 years$6,450$4,858$3,607$2,645$1,921$436
27 years$6,145$4,572$3,349$2,421$1,732$367
28 years$5,862$4,308$3,113$2,219$1,563$308
29 years$5,599$4,064$2,897$2,035$1,411$259
30 years$5,354$3,838$2,699$1,867$1,275$218
31 years$5,125$3,628$2,516$1,715$1,153$183
32 years$4,911$3,433$2,347$1,576$1,043$154
33 years$4,710$3,251$2,192$1,449$944$130
34 years$4,521$3,081$2,048$1,333$854$109
35 years$4,344$2,922$1,915$1,227$774$92
36 years$4,177$2,774$1,791$1,130$701$77
37 years$4,019$2,635$1,676$1,042$635$65
38 years$3,870$2,504$1,570$960$576$55
39 years$3,729$2,381$1,471$885$522$46
40 years$3,596$2,265$1,379$816$474$39
41 years$3,469$2,156$1,293$753$430$33
42 years$3,348$2,054$1,213$695$390$27
43 years$3,234$1,957$1,138$642$354$23
44 years$3,125$1,865$1,068$593$321$19
45 years$3,021$1,778$1,003$547$292$16
46 years$2,922$1,697$942$506$265$14
47 years$2,827$1,619$885$467$241$12
48 years$2,737$1,546$832$432$218$10
49 years$2,650$1,476$782$399$198$8
50 years$2,568$1,410$735$369$180$7

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 $4,875 every year, while hoping to spend $50,868 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: 31/45/24 Blend
34$2,630,000$2,630,000$2,630,000$2,630,000
35$2,903,289$2,763,899$2,723,134$2,971,655
36$3,145,301$2,845,206$2,760,235$3,105,566
37$3,410,293$2,928,794$2,796,875$3,244,744
38$3,700,557$3,014,718$2,832,984$3,393,529
39$4,018,613$3,103,038$2,868,488$3,552,793
40$4,367,240$3,193,816$2,903,311$3,723,495
41$4,749,496$3,287,111$2,937,370$3,906,689
42$5,168,752$3,382,986$2,970,579$4,103,534
43$5,628,719$3,481,507$3,002,848$4,315,304
44$6,133,484$3,582,736$3,034,078$4,543,405
45$6,687,550$3,686,741$3,064,171$4,789,379
46$7,295,877$3,793,588$3,093,017$5,054,927
47$7,963,928$3,903,345$3,120,505$5,341,919
48$8,697,723$4,016,083$3,146,516$5,652,416
49$9,503,891$4,131,872$3,170,925$5,988,684
50$10,389,736$4,250,782$3,193,599$6,353,220
51$11,363,307$4,372,888$3,214,402$6,748,773
52$12,433,466$4,498,261$3,233,187$7,178,370
53$13,609,982$4,626,978$3,249,800$7,645,346
54$14,903,613$4,759,113$3,264,082$8,153,372
55$16,326,216$4,894,744$3,275,863$8,706,492
56$17,890,850$5,033,947$3,284,965$9,309,160
57$19,611,908$5,176,801$3,291,202$9,966,285
58$21,505,243$5,323,385$3,294,378$10,683,270
59$23,588,325$5,473,778$3,294,287$11,466,072
60$25,880,402$5,628,062$3,290,714$12,321,249
61$28,402,683$5,786,316$3,283,432$13,256,030
62$31,178,534$5,948,623$3,272,205$14,278,377
63$34,233,703$6,115,065$3,256,782$15,397,063
64$37,596,561$6,285,723$3,236,905$16,621,754
65$41,298,368$6,460,681$3,212,299$17,963,101
66$45,373,568$6,640,021$3,182,677$19,432,840
67$49,860,116$6,823,825$3,147,740$21,043,900
68$54,799,832$7,012,177$3,107,174$22,810,531
69$60,238,800$7,205,159$3,060,650$24,748,432
70$66,227,799$7,402,853$3,007,822$26,874,905
71$72,822,781$7,605,340$2,948,331$29,209,012
72$80,085,404$7,812,700$2,881,800$31,771,763
73$88,083,607$8,025,015$2,807,832$34,586,307
74$96,892,256$8,242,361$2,726,015$37,678,153
75$106,593,847$8,464,818$2,635,918$41,075,416
76$117,279,285$8,692,460$2,537,087$44,809,072
77$129,048,744$8,925,362$2,429,051$48,913,262
78$142,012,607$9,163,596$2,311,315$53,425,608
79$156,292,512$9,407,231$2,183,363$58,387,567
80$172,022,497$9,656,335$2,044,655$63,844,828
81$189,350,268$9,910,971$1,894,628$69,847,741
82$208,438,588$10,171,202$1,732,690$76,451,793
83$229,466,817$10,437,083$1,558,228$83,718,130
84$252,632,601$10,708,669$1,370,597$91,714,139
85$278,153,740$10,986,007$1,169,126$100,514,081
86$306,270,242$11,269,143$953,113$110,199,796
87$337,246,590$11,558,114$721,825$120,861,472
88$371,374,234$11,852,953$474,498$132,598,501
89$408,974,345$12,153,687$210,332$145,520,417
90$450,400,845$12,460,335$0$159,747,929
91$496,043,749$12,772,908$0$175,432,394
92$546,332,842$13,091,412$0$192,760,754
93$601,741,741$13,415,840$0$211,840,885
94$662,792,360$13,746,178$0$232,851,072
95$730,059,841$14,082,400$0$255,987,783
96$804,177,978$14,424,472$0$281,467,516
97$885,845,205$14,772,344$0$309,528,845
98$975,831,183$15,125,955$0$340,434,670
99$1,074,984,068$15,485,232$0$374,474,702
100$1,184,238,517$15,850,082$0$411,968,194