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%14.4%
1 years$218,835$216,885$214,983$213,127$211,315$207,473
2 years$108,334$106,316$104,361$102,465$100,626$96,769
3 years$71,505$69,479$67,528$65,650$63,841$60,089
4 years$53,094$51,074$49,143$47,297$45,532$41,914
5 years$42,051$40,043$38,137$36,329$34,613$31,139
6 years$34,691$32,698$30,821$29,053$27,388$24,063
7 years$29,436$27,460$25,612$23,886$22,274$19,098
8 years$25,496$23,538$21,721$20,037$18,478$15,451
9 years$22,434$20,494$18,708$17,067$15,561$12,680
10 years$19,985$18,065$16,310$14,712$13,259$10,522
11 years$17,983$16,082$14,359$12,804$11,403$8,807
12 years$16,316$14,434$12,744$11,231$9,882$7,423
13 years$14,907$13,044$11,386$9,915$8,617$6,292
14 years$13,699$11,857$10,230$8,801$7,554$5,358
15 years$12,654$10,831$9,236$7,849$6,651$4,580
16 years$11,740$9,938$8,374$7,028$5,878$3,928
17 years$10,935$9,152$7,620$6,315$5,212$3,378
18 years$10,220$8,457$6,956$5,691$4,634$2,911
19 years$9,581$7,838$6,368$5,142$4,131$2,514
20 years$9,007$7,283$5,844$4,657$3,689$2,174
21 years$8,487$6,784$5,376$4,227$3,302$1,883
22 years$8,016$6,333$4,954$3,843$2,959$1,633
23 years$7,587$5,923$4,575$3,500$2,657$1,418
24 years$7,193$5,549$4,231$3,192$2,388$1,232
25 years$6,832$5,208$3,918$2,915$2,149$1,071
26 years$6,499$4,895$3,634$2,666$1,935$932
27 years$6,192$4,606$3,375$2,440$1,745$812
28 years$5,906$4,341$3,137$2,235$1,575$707
29 years$5,641$4,095$2,919$2,050$1,422$616
30 years$5,394$3,867$2,719$1,881$1,285$537
31 years$5,164$3,656$2,535$1,728$1,161$469
32 years$4,948$3,459$2,365$1,588$1,051$409
33 years$4,746$3,276$2,209$1,460$951$357
34 years$4,556$3,105$2,064$1,344$861$311
35 years$4,377$2,945$1,929$1,237$780$272
36 years$4,209$2,795$1,805$1,139$706$237
37 years$4,050$2,655$1,689$1,050$640$207
38 years$3,900$2,523$1,582$967$580$181
39 years$3,758$2,399$1,482$892$526$158
40 years$3,623$2,282$1,389$823$477$138
41 years$3,495$2,173$1,303$759$433$121
42 years$3,374$2,069$1,222$701$393$105
43 years$3,258$1,971$1,147$647$357$92
44 years$3,149$1,879$1,076$597$324$80
45 years$3,044$1,792$1,011$551$294$70
46 years$2,944$1,710$949$509$267$61
47 years$2,849$1,631$892$471$242$54
48 years$2,758$1,557$838$435$220$47
49 years$2,671$1,487$788$402$200$41
50 years$2,587$1,421$740$371$182$36

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 $4,390 every year, while hoping to spend $50,515 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: 26/49/25 Blend
34$2,650,000$2,650,000$2,650,000$2,650,000
35$2,924,828$2,784,378$2,743,303$2,977,754
36$3,169,413$2,867,065$2,781,456$3,103,625
37$3,437,253$2,952,111$2,819,195$3,233,931
38$3,730,666$3,039,577$2,856,451$3,372,687
39$4,052,205$3,129,528$2,893,153$3,520,640
40$4,404,683$3,222,029$2,929,227$3,678,608
41$4,791,198$3,317,145$2,964,593$3,847,493
42$5,215,160$3,414,945$2,999,167$4,028,287
43$5,680,327$3,515,497$3,032,860$4,222,077
44$6,190,837$3,618,874$3,065,577$4,430,062
45$6,751,249$3,725,146$3,097,221$4,653,560
46$7,366,586$3,834,387$3,127,687$4,894,020
47$8,042,378$3,946,672$3,156,865$5,153,039
48$8,784,719$4,062,078$3,184,639$5,432,371
49$9,600,323$4,180,682$3,210,886$5,733,948
50$10,496,584$4,302,564$3,235,480$6,059,897
51$11,481,651$4,427,805$3,258,283$6,412,559
52$12,564,499$4,556,486$3,279,155$6,794,511
53$13,755,016$4,688,692$3,297,945$7,208,592
54$15,064,097$4,824,508$3,314,496$7,657,926
55$16,503,746$4,964,020$3,328,643$8,145,955
56$18,087,187$5,107,316$3,340,211$8,676,466
57$19,828,991$5,254,485$3,349,019$9,253,636
58$21,745,212$5,405,619$3,354,875$9,882,060
59$23,853,538$5,560,808$3,357,577$10,566,802
60$26,173,458$5,720,147$3,356,915$11,313,439
61$28,726,445$5,883,729$3,352,667$12,128,116
62$31,536,161$6,051,650$3,344,600$13,017,602
63$34,628,676$6,224,008$3,332,471$13,989,352
64$38,032,717$6,400,899$3,316,024$15,051,583
65$41,779,934$6,582,424$3,294,991$16,213,344
66$45,905,207$6,768,682$3,269,092$17,484,609
67$50,446,964$6,959,773$3,238,033$18,876,364
68$55,447,552$7,155,800$3,201,505$20,400,715
69$60,953,633$7,356,864$3,159,185$22,071,002
70$67,016,622$7,563,070$3,110,737$23,901,921
71$73,693,176$7,774,519$3,055,806$25,909,668
72$81,045,727$7,991,317$2,994,021$28,112,088
73$89,143,066$8,213,566$2,924,996$30,528,847
74$98,061,000$8,441,373$2,848,325$33,181,612
75$107,883,062$8,674,840$2,763,584$36,094,263
76$118,701,299$8,914,072$2,670,329$39,293,111
77$130,617,142$9,159,172$2,568,096$42,807,153
78$143,742,364$9,410,244$2,456,400$46,668,341
79$158,200,129$9,667,391$2,334,733$50,911,887
80$174,126,162$9,930,712$2,202,567$55,576,594
81$191,670,023$10,200,310$2,059,345$60,705,223
82$210,996,523$10,476,282$1,904,490$66,344,896
83$232,287,274$10,758,726$1,737,397$72,547,543
84$255,742,409$11,047,736$1,557,432$79,370,393
85$281,582,465$11,343,406$1,363,937$86,876,510
86$310,050,468$11,645,825$1,156,221$95,135,396
87$341,414,226$11,955,080$933,564$104,223,641
88$375,968,852$12,271,255$695,214$114,225,651
89$414,039,558$12,594,429$440,386$125,234,444
90$455,984,715$12,924,678$168,261$137,352,527
91$502,199,241$13,262,072$0$150,692,869
92$553,118,327$13,606,678$0$165,412,546
93$609,221,546$13,958,554$0$181,666,190
94$671,037,375$14,317,754$0$199,560,316
95$739,148,188$14,684,325$0$219,261,806
96$814,195,752$15,058,305$0$240,954,559
97$896,887,282$15,439,726$0$264,841,219
98$988,002,121$15,828,609$0$291,145,093
99$1,088,399,091$16,224,965$0$320,112,254
100$1,199,024,607$16,628,796$0$352,013,867