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

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 $2,650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$218,835$216,885$214,983$213,127$211,315$205,457
2 years$108,334$106,316$104,361$102,465$100,626$94,768
3 years$71,505$69,479$67,528$65,650$63,841$58,166
4 years$53,094$51,074$49,143$47,297$45,532$40,084
5 years$42,051$40,043$38,137$36,329$34,613$29,407
6 years$34,691$32,698$30,821$29,053$27,388$22,428
7 years$29,436$27,460$25,612$23,886$22,274$17,561
8 years$25,496$23,538$21,721$20,037$18,478$14,010
9 years$22,434$20,494$18,708$17,067$15,561$11,333
10 years$19,985$18,065$16,310$14,712$13,259$9,266
11 years$17,983$16,082$14,359$12,804$11,403$7,638
12 years$16,316$14,434$12,744$11,231$9,882$6,338
13 years$14,907$13,044$11,386$9,915$8,617$5,286
14 years$13,699$11,857$10,230$8,801$7,554$4,428
15 years$12,654$10,831$9,236$7,849$6,651$3,723
16 years$11,740$9,938$8,374$7,028$5,878$3,139
17 years$10,935$9,152$7,620$6,315$5,212$2,652
18 years$10,220$8,457$6,956$5,691$4,634$2,246
19 years$9,581$7,838$6,368$5,142$4,131$1,905
20 years$9,007$7,283$5,844$4,657$3,689$1,618
21 years$8,487$6,784$5,376$4,227$3,302$1,376
22 years$8,016$6,333$4,954$3,843$2,959$1,172
23 years$7,587$5,923$4,575$3,500$2,657$998
24 years$7,193$5,549$4,231$3,192$2,388$851
25 years$6,832$5,208$3,918$2,915$2,149$726
26 years$6,499$4,895$3,634$2,666$1,935$620
27 years$6,192$4,606$3,375$2,440$1,745$529
28 years$5,906$4,341$3,137$2,235$1,575$452
29 years$5,641$4,095$2,919$2,050$1,422$386
30 years$5,394$3,867$2,719$1,881$1,285$330
31 years$5,164$3,656$2,535$1,728$1,161$282
32 years$4,948$3,459$2,365$1,588$1,051$241
33 years$4,746$3,276$2,209$1,460$951$207
34 years$4,556$3,105$2,064$1,344$861$177
35 years$4,377$2,945$1,929$1,237$780$151
36 years$4,209$2,795$1,805$1,139$706$129
37 years$4,050$2,655$1,689$1,050$640$111
38 years$3,900$2,523$1,582$967$580$95
39 years$3,758$2,399$1,482$892$526$81
40 years$3,623$2,282$1,389$823$477$69
41 years$3,495$2,173$1,303$759$433$59
42 years$3,374$2,069$1,222$701$393$51
43 years$3,258$1,971$1,147$647$357$44
44 years$3,149$1,879$1,076$597$324$37
45 years$3,044$1,792$1,011$551$294$32
46 years$2,944$1,710$949$509$267$27
47 years$2,849$1,631$892$471$242$23
48 years$2,758$1,557$838$435$220$20
49 years$2,671$1,487$788$402$200$17
50 years$2,587$1,421$740$371$182$15

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 $2,876 every year, while hoping to spend $30,467 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: 52/42/6 Blend
34$2,650,000$2,650,000$2,650,000$2,650,000
35$2,923,267$2,782,817$2,741,742$3,070,993
36$3,189,023$2,886,758$2,801,173$3,275,438
37$3,480,866$2,994,771$2,861,575$3,494,087
38$3,801,423$3,107,024$2,922,947$3,731,121
39$4,153,591$3,223,691$2,985,288$3,988,276
40$4,540,559$3,344,953$3,048,597$4,267,460
41$4,965,841$3,471,002$3,112,870$4,570,772
42$5,433,311$3,602,034$3,178,105$4,900,516
43$5,947,232$3,738,257$3,244,295$5,259,228
44$6,512,304$3,879,887$3,311,433$5,649,695
45$7,133,705$4,027,147$3,379,512$6,074,983
46$7,817,139$4,180,273$3,448,522$6,538,464
47$8,568,891$4,339,510$3,518,451$7,043,846
48$9,395,885$4,505,114$3,589,287$7,595,210
49$10,305,751$4,677,350$3,661,014$8,197,043
50$11,306,895$4,856,498$3,733,616$8,854,286
51$12,408,580$5,042,848$3,807,073$9,572,371
52$13,621,011$5,236,703$3,881,365$10,357,281
53$14,955,432$5,438,380$3,956,469$11,215,596
54$16,424,234$5,648,208$4,032,359$12,154,562
55$18,041,070$5,866,534$4,109,007$13,182,151
56$19,820,982$6,093,717$4,186,381$14,307,141
57$21,780,546$6,330,133$4,264,449$15,539,195
58$23,938,027$6,576,175$4,343,174$16,888,949
59$26,313,551$6,832,253$4,422,515$18,368,115
60$28,929,295$7,098,795$4,502,431$19,989,587
61$31,809,695$7,376,248$4,582,874$21,767,562
62$34,981,678$7,665,079$4,663,795$23,717,675
63$38,474,917$7,965,775$4,745,140$25,857,138
64$42,322,107$8,278,847$4,826,851$28,204,910
65$46,559,277$8,604,826$4,908,866$30,781,868
66$51,226,129$8,944,267$4,991,118$33,611,002
67$56,366,410$9,297,752$5,073,536$36,717,633
68$62,028,329$9,665,887$5,156,045$40,129,651
69$68,265,009$10,049,306$5,238,563$43,877,770
70$75,134,988$10,448,671$5,321,003$47,995,822
71$82,702,775$10,864,673$5,403,274$52,521,072
72$91,039,452$11,298,037$5,485,278$57,494,567
73$100,223,352$11,749,516$5,566,911$62,961,519
74$110,340,792$12,219,901$5,648,061$68,971,735
75$121,486,894$12,710,016$5,728,611$75,580,078
76$133,766,474$13,220,725$5,808,437$82,846,985
77$147,295,042$13,752,927$5,887,407$90,839,037
78$162,199,881$14,307,566$5,965,380$99,629,580
79$178,621,258$14,885,625$6,042,209$109,299,415
80$196,713,740$15,488,135$6,117,737$119,937,561
81$216,647,658$16,116,170$6,191,798$131,642,088
82$238,610,713$16,770,857$6,264,217$144,521,042
83$262,809,747$17,453,370$6,334,810$158,693,457
84$289,472,696$18,164,940$6,403,381$174,290,481
85$318,850,741$18,906,852$6,469,724$191,456,603
86$351,220,679$19,680,450$6,533,622$210,351,020
87$386,887,537$20,487,140$6,594,847$231,149,128
88$426,187,448$21,328,392$6,653,157$254,044,179
89$469,490,827$22,205,743$6,708,297$279,249,098
90$517,205,867$23,120,800$6,760,001$306,998,486
91$569,782,391$24,075,245$6,807,986$337,550,834
92$627,716,099$25,070,836$6,851,958$371,190,955
93$691,553,246$26,109,412$6,891,603$408,232,666
94$761,895,800$27,192,896$6,926,594$449,021,747
95$839,407,124$28,323,300$6,956,588$493,939,197
96$924,818,239$29,502,730$6,981,222$543,404,824
97$1,018,934,723$30,733,387$7,000,116$597,881,205
98$1,122,644,316$32,017,575$7,012,872$657,878,041
99$1,236,925,302$33,357,703$7,019,070$723,956,964
100$1,362,855,745$34,756,291$7,018,270$796,736,830