Can I retire at age 35 with 2,650,000?

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$218,835$216,885$214,983$213,127$211,315$206,374
2 years$108,334$106,316$104,361$102,465$100,626$95,676
3 years$71,505$69,479$67,528$65,650$63,841$59,037
4 years$53,094$51,074$49,143$47,297$45,532$40,911
5 years$42,051$40,043$38,137$36,329$34,613$30,187
6 years$34,691$32,698$30,821$29,053$27,388$23,163
7 years$29,436$27,460$25,612$23,886$22,274$18,249
8 years$25,496$23,538$21,721$20,037$18,478$14,653
9 years$22,434$20,494$18,708$17,067$15,561$11,932
10 years$19,985$18,065$16,310$14,712$13,259$9,822
11 years$17,983$16,082$14,359$12,804$11,403$8,154
12 years$16,316$14,434$12,744$11,231$9,882$6,815
13 years$14,907$13,044$11,386$9,915$8,617$5,727
14 years$13,699$11,857$10,230$8,801$7,554$4,834
15 years$12,654$10,831$9,236$7,849$6,651$4,095
16 years$11,740$9,938$8,374$7,028$5,878$3,480
17 years$10,935$9,152$7,620$6,315$5,212$2,964
18 years$10,220$8,457$6,956$5,691$4,634$2,531
19 years$9,581$7,838$6,368$5,142$4,131$2,164
20 years$9,007$7,283$5,844$4,657$3,689$1,854
21 years$8,487$6,784$5,376$4,227$3,302$1,590
22 years$8,016$6,333$4,954$3,843$2,959$1,365
23 years$7,587$5,923$4,575$3,500$2,657$1,173
24 years$7,193$5,549$4,231$3,192$2,388$1,009
25 years$6,832$5,208$3,918$2,915$2,149$868
26 years$6,499$4,895$3,634$2,666$1,935$748
27 years$6,192$4,606$3,375$2,440$1,745$644
28 years$5,906$4,341$3,137$2,235$1,575$555
29 years$5,641$4,095$2,919$2,050$1,422$479
30 years$5,394$3,867$2,719$1,881$1,285$413
31 years$5,164$3,656$2,535$1,728$1,161$356
32 years$4,948$3,459$2,365$1,588$1,051$308
33 years$4,746$3,276$2,209$1,460$951$266
34 years$4,556$3,105$2,064$1,344$861$229
35 years$4,377$2,945$1,929$1,237$780$198
36 years$4,209$2,795$1,805$1,139$706$171
37 years$4,050$2,655$1,689$1,050$640$148
38 years$3,900$2,523$1,582$967$580$128
39 years$3,758$2,399$1,482$892$526$110
40 years$3,623$2,282$1,389$823$477$95
41 years$3,495$2,173$1,303$759$433$82
42 years$3,374$2,069$1,222$701$393$71
43 years$3,258$1,971$1,147$647$357$61
44 years$3,149$1,879$1,076$597$324$53
45 years$3,044$1,792$1,011$551$294$46
46 years$2,944$1,710$949$509$267$40
47 years$2,849$1,631$892$471$242$34
48 years$2,758$1,557$838$435$220$30
49 years$2,671$1,487$788$402$200$26
50 years$2,587$1,421$740$371$182$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,650,000, adding $2,303 every year, while hoping to spend $21,516 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: 57/29/14 Blend
34$2,650,000$2,650,000$2,650,000$2,650,000
35$2,922,676$2,782,226$2,741,151$3,078,664
36$3,197,896$2,895,662$2,810,086$3,297,970
37$3,500,467$3,013,935$2,880,610$3,534,267
38$3,833,157$3,137,260$2,952,753$3,791,255
39$4,199,014$3,265,861$3,026,545$4,070,922
40$4,601,397$3,399,971$3,102,018$4,375,454
41$5,044,006$3,539,837$3,179,202$4,707,254
42$5,530,920$3,685,714$3,258,131$5,068,966
43$6,066,630$3,837,871$3,338,834$5,463,499
44$6,656,087$3,996,587$3,421,346$5,894,051
45$7,304,744$4,162,156$3,505,697$6,364,142
46$8,018,610$4,334,884$3,591,921$6,877,645
47$8,804,308$4,515,093$3,680,050$7,438,822
48$9,669,133$4,703,118$3,770,117$8,052,362
49$10,621,123$4,899,310$3,862,155$8,723,426
50$11,669,138$5,104,036$3,956,197$9,457,696
51$12,822,936$5,317,680$4,052,276$10,261,423
52$14,093,274$5,540,645$4,150,425$11,141,491
53$15,492,002$5,773,350$4,250,678$12,105,476
54$17,032,178$6,016,236$4,353,068$13,161,719
55$18,728,192$6,269,764$4,457,628$14,319,405
56$20,595,900$6,534,414$4,564,390$15,588,644
57$22,652,773$6,810,691$4,673,388$16,980,568
58$24,918,063$7,099,123$4,784,654$18,507,437
59$27,412,987$7,400,261$4,898,221$20,182,750
60$30,160,921$7,714,683$5,014,121$22,021,370
61$33,187,626$8,042,994$5,132,386$24,039,669
62$36,521,490$8,385,827$5,253,046$26,255,674
63$40,193,792$8,743,843$5,376,134$28,689,241
64$44,239,004$9,117,735$5,501,679$31,362,235
65$48,695,108$9,508,230$5,629,711$34,298,742
66$53,603,963$9,916,087$5,760,260$37,525,290
67$59,011,692$10,342,100$5,893,354$41,071,096
68$64,969,123$10,787,102$6,029,020$44,968,346
69$71,532,267$11,251,963$6,167,285$49,252,490
70$78,762,845$11,737,596$6,308,176$53,962,580
71$86,728,872$12,244,955$6,451,716$59,141,632
72$95,505,298$12,775,039$6,597,930$64,837,034
73$105,174,717$13,328,895$6,746,840$71,100,987
74$115,828,146$13,907,618$6,898,466$77,990,998
75$127,565,881$14,512,355$7,052,829$85,570,421
76$140,498,447$15,144,308$7,209,945$93,909,049
77$154,747,642$15,804,732$7,369,832$103,083,772
78$170,447,683$16,494,945$7,532,503$113,179,301
79$187,746,475$17,216,326$7,697,970$124,288,961
80$206,807,008$17,970,318$7,866,244$136,515,575
81$227,808,892$18,758,433$8,037,333$149,972,423
82$250,950,057$19,582,254$8,211,241$164,784,316
83$276,448,617$20,443,439$8,387,973$181,088,765
84$304,544,933$21,343,725$8,567,526$199,037,279
85$335,503,877$22,284,929$8,749,900$218,796,788
86$369,617,338$23,268,955$8,935,087$240,551,216
87$407,206,972$24,297,799$9,123,077$264,503,216
88$448,627,241$25,373,550$9,313,859$290,876,072
89$494,268,760$26,498,394$9,507,414$319,915,809
90$544,561,983$27,674,625$9,703,721$351,893,506
91$599,981,265$28,904,642$9,902,756$387,107,853
92$661,049,344$30,190,959$10,104,488$425,887,961
93$728,342,272$31,536,210$10,308,883$468,596,469
94$802,494,854$32,943,155$10,515,901$515,632,957
95$884,206,642$34,414,683$10,725,497$567,437,715
96$974,248,538$35,953,820$10,937,619$624,495,891
97$1,073,470,071$37,563,739$11,152,211$687,342,065
98$1,182,807,418$39,247,762$11,369,210$756,565,289
99$1,303,292,241$41,009,370$11,588,545$832,814,640
100$1,436,061,428$42,852,207$11,810,140$916,805,341