Can I retire at age 35 with 2,640,000?

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 $2,640,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$218,009$216,067$214,172$212,323$210,517$204,681
2 years$107,925$105,915$103,967$102,078$100,246$94,410
3 years$71,235$69,217$67,274$65,403$63,600$57,947
4 years$52,894$50,882$48,958$47,119$45,360$39,933
5 years$41,892$39,892$37,993$36,192$34,482$29,296
6 years$34,560$32,575$30,704$28,943$27,285$22,344
7 years$29,325$27,356$25,515$23,796$22,190$17,495
8 years$25,400$23,449$21,639$19,961$18,408$13,957
9 years$22,349$20,417$18,638$17,003$15,503$11,290
10 years$19,910$17,996$16,249$14,657$13,209$9,231
11 years$17,916$16,021$14,305$12,756$11,360$7,609
12 years$16,255$14,380$12,695$11,188$9,844$6,314
13 years$14,850$12,995$11,343$9,878$8,585$5,266
14 years$13,648$11,812$10,191$8,768$7,525$4,412
15 years$12,606$10,791$9,201$7,820$6,626$3,709
16 years$11,696$9,900$8,342$7,002$5,856$3,127
17 years$10,894$9,118$7,591$6,291$5,192$2,642
18 years$10,181$8,425$6,930$5,669$4,617$2,238
19 years$9,545$7,808$6,344$5,123$4,115$1,898
20 years$8,973$7,256$5,822$4,640$3,676$1,612
21 years$8,455$6,759$5,355$4,211$3,289$1,371
22 years$7,986$6,309$4,936$3,829$2,948$1,167
23 years$7,558$5,901$4,557$3,487$2,647$994
24 years$7,166$5,528$4,215$3,180$2,379$848
25 years$6,806$5,188$3,904$2,904$2,141$723
26 years$6,475$4,876$3,620$2,656$1,928$617
27 years$6,168$4,589$3,362$2,431$1,738$527
28 years$5,884$4,324$3,125$2,227$1,569$450
29 years$5,620$4,079$2,908$2,042$1,416$385
30 years$5,374$3,852$2,709$1,874$1,280$329
31 years$5,144$3,642$2,526$1,721$1,157$281
32 years$4,929$3,446$2,356$1,582$1,047$241
33 years$4,728$3,263$2,200$1,455$947$206
34 years$4,539$3,093$2,056$1,339$858$176
35 years$4,361$2,934$1,922$1,232$777$151
36 years$4,193$2,784$1,798$1,135$704$129
37 years$4,035$2,645$1,683$1,046$638$110
38 years$3,885$2,513$1,576$964$578$94
39 years$3,743$2,390$1,476$889$524$81
40 years$3,609$2,274$1,384$820$476$69
41 years$3,482$2,164$1,298$756$432$59
42 years$3,361$2,061$1,217$698$392$51
43 years$3,246$1,964$1,142$644$355$43
44 years$3,137$1,872$1,072$595$323$37
45 years$3,032$1,785$1,007$549$293$32
46 years$2,933$1,703$946$507$266$27
47 years$2,838$1,625$888$469$241$23
48 years$2,747$1,551$835$433$219$20
49 years$2,661$1,482$785$400$199$17
50 years$2,578$1,415$738$370$181$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,640,000, adding $6,893 every year, while hoping to spend $55,944 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: 60/30/10 Blend
34$2,640,000$2,640,000$2,640,000$2,640,000
35$2,916,390$2,776,470$2,735,550$3,084,228
36$3,154,338$2,852,993$2,767,667$3,274,241
37$3,414,681$2,931,391$2,798,985$3,474,437
38$3,699,646$3,011,696$2,829,418$3,691,426
39$4,011,682$3,093,941$2,858,875$3,926,829
40$4,353,487$3,178,158$2,887,262$4,182,431
41$4,728,035$3,264,379$2,914,477$4,460,196
42$5,138,596$3,352,636$2,940,413$4,762,288
43$5,588,776$3,442,959$2,964,961$5,091,088
44$6,082,545$3,535,377$2,988,001$5,449,218
45$6,624,276$3,629,922$3,009,410$5,839,566
46$7,218,784$3,726,620$3,029,057$6,265,313
47$7,871,375$3,825,500$3,046,806$6,729,961
48$8,587,893$3,926,587$3,062,512$7,237,367
49$9,374,776$4,029,907$3,076,023$7,791,781
50$10,239,115$4,135,484$3,087,182$8,397,882
51$11,188,721$4,243,340$3,095,819$9,060,826
52$12,232,202$4,353,495$3,101,760$9,786,292
53$13,379,039$4,465,968$3,104,821$10,580,536
54$14,639,676$4,580,775$3,104,807$11,450,449
55$16,025,621$4,697,931$3,101,517$12,403,625
56$17,549,552$4,817,448$3,094,735$13,448,427
57$19,225,438$4,939,335$3,084,241$14,594,072
58$21,068,668$5,063,598$3,069,798$15,850,714
59$23,096,198$5,190,240$3,051,162$17,229,539
60$25,326,709$5,319,261$3,028,075$18,742,873
61$27,780,786$5,450,657$3,000,268$20,404,298
62$30,481,107$5,584,420$2,967,458$22,228,777
63$33,452,661$5,720,538$2,929,349$24,232,799
64$36,722,982$5,858,994$2,885,632$26,434,533
65$40,322,408$5,999,766$2,835,982$28,853,997
66$44,284,366$6,142,827$2,780,060$31,513,250
67$48,645,689$6,288,143$2,717,510$34,436,601
68$53,446,963$6,435,676$2,647,961$37,650,833
69$58,732,909$6,585,380$2,571,023$41,185,461
70$64,552,804$6,737,202$2,486,290$45,073,010
71$70,960,946$6,891,080$2,393,337$49,349,319
72$78,017,166$7,046,947$2,291,717$54,053,881
73$85,787,394$7,204,725$2,180,967$59,230,216
74$94,344,279$7,364,327$2,060,600$64,926,283
75$103,767,873$7,525,656$1,930,108$71,194,931
76$114,146,389$7,688,606$1,788,959$78,094,396
77$125,577,030$7,853,057$1,636,598$85,688,856
78$138,166,909$8,018,879$1,472,447$94,049,033
79$152,034,058$8,185,929$1,295,898$103,252,863
80$167,308,542$8,354,049$1,106,320$113,386,230
81$184,133,683$8,523,068$903,052$124,543,778
82$202,667,419$8,692,798$685,405$136,829,804
83$223,083,787$8,863,036$452,657$150,359,244
84$245,574,569$9,033,561$204,057$165,258,760
85$270,351,103$9,204,133$0$181,667,929
86$297,646,273$9,374,493$0$199,747,105
87$327,716,710$9,544,361$0$219,682,923
88$360,845,213$9,713,433$0$241,640,476
89$397,343,417$9,881,384$0$265,825,716
90$437,554,736$10,047,862$0$292,465,597
91$481,857,602$10,212,489$0$321,810,219
92$530,669,036$10,374,861$0$354,135,189
93$584,448,589$10,534,540$0$389,744,223
94$643,702,672$10,691,060$0$428,972,015
95$708,989,343$10,843,919$0$472,187,393
96$780,923,567$10,992,582$0$519,796,805
97$860,183,027$11,136,475$0$572,248,153
98$947,514,517$11,274,984$0$630,035,023
99$1,043,740,994$11,407,454$0$693,701,349
100$1,149,769,341$11,533,185$0$763,846,541