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

Use the below retirement simulation to view the chances of a successful retirement.
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%15.8%
1 years$218,009$216,067$214,172$212,323$210,517$205,512
2 years$107,925$105,915$103,967$102,078$100,246$95,232
3 years$71,235$69,217$67,274$65,403$63,600$58,735
4 years$52,894$50,882$48,958$47,119$45,360$40,681
5 years$41,892$39,892$37,993$36,192$34,482$30,002
6 years$34,560$32,575$30,704$28,943$27,285$23,008
7 years$29,325$27,356$25,515$23,796$22,190$18,117
8 years$25,400$23,449$21,639$19,961$18,408$14,538
9 years$22,349$20,417$18,638$17,003$15,503$11,832
10 years$19,910$17,996$16,249$14,657$13,209$9,734
11 years$17,916$16,021$14,305$12,756$11,360$8,075
12 years$16,255$14,380$12,695$11,188$9,844$6,745
13 years$14,850$12,995$11,343$9,878$8,585$5,664
14 years$13,648$11,812$10,191$8,768$7,525$4,777
15 years$12,606$10,791$9,201$7,820$6,626$4,044
16 years$11,696$9,900$8,342$7,002$5,856$3,434
17 years$10,894$9,118$7,591$6,291$5,192$2,923
18 years$10,181$8,425$6,930$5,669$4,617$2,494
19 years$9,545$7,808$6,344$5,123$4,115$2,131
20 years$8,973$7,256$5,822$4,640$3,676$1,824
21 years$8,455$6,759$5,355$4,211$3,289$1,563
22 years$7,986$6,309$4,936$3,829$2,948$1,341
23 years$7,558$5,901$4,557$3,487$2,647$1,152
24 years$7,166$5,528$4,215$3,180$2,379$990
25 years$6,806$5,188$3,904$2,904$2,141$851
26 years$6,475$4,876$3,620$2,656$1,928$732
27 years$6,168$4,589$3,362$2,431$1,738$631
28 years$5,884$4,324$3,125$2,227$1,569$543
29 years$5,620$4,079$2,908$2,042$1,416$468
30 years$5,374$3,852$2,709$1,874$1,280$403
31 years$5,144$3,642$2,526$1,721$1,157$348
32 years$4,929$3,446$2,356$1,582$1,047$300
33 years$4,728$3,263$2,200$1,455$947$259
34 years$4,539$3,093$2,056$1,339$858$223
35 years$4,361$2,934$1,922$1,232$777$192
36 years$4,193$2,784$1,798$1,135$704$166
37 years$4,035$2,645$1,683$1,046$638$143
38 years$3,885$2,513$1,576$964$578$124
39 years$3,743$2,390$1,476$889$524$107
40 years$3,609$2,274$1,384$820$476$92
41 years$3,482$2,164$1,298$756$432$80
42 years$3,361$2,061$1,217$698$392$69
43 years$3,246$1,964$1,142$644$355$59
44 years$3,137$1,872$1,072$595$323$51
45 years$3,032$1,785$1,007$549$293$44
46 years$2,933$1,703$946$507$266$38
47 years$2,838$1,625$888$469$241$33
48 years$2,747$1,551$835$433$219$28
49 years$2,661$1,482$785$400$199$25
50 years$2,578$1,415$738$370$181$21

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 $3,790 every year, while hoping to spend $57,960 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: 60/10/30 Blend
34$2,640,000$2,640,000$2,640,000$2,640,000
35$2,913,189$2,773,269$2,732,349$3,063,984
36$3,148,666$2,847,491$2,762,214$3,241,720
37$3,406,218$2,923,406$2,791,137$3,429,093
38$3,688,037$3,001,038$2,819,024$3,632,374
39$3,996,535$3,080,406$2,845,780$3,853,131
40$4,334,367$3,161,532$2,871,299$4,093,091
41$4,704,459$3,244,434$2,895,474$4,354,155
42$5,110,032$3,329,129$2,918,191$4,638,420
43$5,554,634$3,415,635$2,939,329$4,948,197
44$6,042,171$3,503,966$2,958,761$5,286,032
45$6,576,948$3,594,135$2,976,354$5,654,729
46$7,163,703$3,686,155$2,991,969$6,057,382
47$7,807,659$3,780,035$3,005,459$6,497,398
48$8,514,566$3,875,782$3,016,667$6,978,532
49$9,290,760$3,973,403$3,025,433$7,504,924
50$10,143,217$4,072,900$3,031,585$8,081,135
51$11,079,627$4,174,274$3,034,945$8,712,193
52$12,108,457$4,277,521$3,035,324$9,403,639
53$13,239,037$4,382,637$3,032,524$10,161,580
54$14,481,645$4,489,612$3,026,340$10,992,748
55$15,847,604$4,598,435$3,016,554$11,904,560
56$17,349,389$4,709,088$3,002,938$12,905,193
57$19,000,744$4,821,550$2,985,254$14,003,658
58$20,816,812$4,935,798$2,963,251$15,209,888
59$22,814,275$5,051,800$2,936,669$16,534,830
60$25,011,515$5,169,523$2,905,231$17,990,549
61$27,428,784$5,288,924$2,868,651$19,590,342
62$30,088,397$5,409,958$2,826,627$21,348,867
63$33,014,939$5,532,572$2,778,845$23,282,275
64$36,235,501$5,656,706$2,724,975$25,408,371
65$39,779,931$5,782,293$2,664,670$27,746,777
66$43,681,117$5,909,258$2,597,570$30,319,120
67$47,975,299$6,037,520$2,523,296$33,149,234
68$52,702,406$6,166,986$2,441,454$36,263,390
69$57,906,438$6,297,555$2,351,629$39,690,541
70$63,635,876$6,429,115$2,253,389$43,462,599
71$69,944,140$6,561,547$2,146,282$47,614,731
72$76,890,095$6,694,715$2,029,836$52,185,699
73$84,538,604$6,828,476$1,903,555$57,218,224
74$92,961,142$6,962,671$1,766,924$62,759,386
75$102,236,466$7,097,130$1,619,403$68,861,077
76$112,451,361$7,231,665$1,460,429$75,580,485
77$123,701,459$7,366,076$1,289,413$82,980,637
78$136,092,139$7,500,145$1,105,740$91,130,999
79$149,739,523$7,633,637$908,767$100,108,124
80$164,771,567$7,766,299$697,824$109,996,387
81$181,329,277$7,897,857$472,211$120,888,773
82$199,568,030$8,028,019$231,197$132,887,761
83$219,659,045$8,156,468$0$146,106,293
84$241,790,999$8,282,866$0$160,677,164
85$266,171,804$8,406,850$0$176,808,745
86$293,030,573$8,528,030$0$194,578,397
87$322,619,776$8,645,988$0$214,153,010
88$355,217,631$8,760,280$0$235,716,492
89$391,130,723$8,870,427$0$259,471,503
90$430,696,898$8,975,919$0$285,641,373
91$474,288,454$9,076,212$0$314,472,205
92$522,315,654$9,170,724$0$346,235,203
93$575,230,597$9,258,835$0$381,229,225
94$633,531,484$9,339,884$0$419,783,612
95$697,767,323$9,413,166$0$462,261,291
96$768,543,111$9,477,932$0$509,062,203
97$846,525,539$9,533,382$0$560,627,081
98$932,449,293$9,578,667$0$617,441,604
99$1,027,123,982$9,612,882$0$680,040,989
100$1,131,441,781$9,635,067$0$749,015,039