Can I retire at age 35 with 2,660,000?

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 $2,660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$219,660$217,704$215,795$213,932$212,112$207,829
2 years$108,743$106,717$104,755$102,852$101,006$96,710
3 years$71,775$69,741$67,783$65,898$64,082$59,907
4 years$53,295$51,267$49,329$47,476$45,704$41,682
5 years$42,210$40,194$38,281$36,466$34,743$30,885
6 years$34,822$32,821$30,937$29,162$27,491$23,802
7 years$29,547$27,563$25,709$23,976$22,358$18,838
8 years$25,593$23,627$21,803$20,113$18,548$15,196
9 years$22,519$20,571$18,779$17,132$15,620$12,434
10 years$20,061$18,133$16,372$14,768$13,309$10,286
11 years$18,051$16,143$14,414$12,852$11,446$8,583
12 years$16,378$14,489$12,792$11,273$9,919$7,210
13 years$14,963$13,094$11,429$9,952$8,650$6,091
14 years$13,751$11,902$10,269$8,835$7,582$5,170
15 years$12,702$10,872$9,271$7,879$6,676$4,404
16 years$11,785$9,975$8,406$7,055$5,900$3,763
17 years$10,976$9,187$7,649$6,339$5,232$3,225
18 years$10,259$8,489$6,982$5,712$4,652$2,769
19 years$9,617$7,868$6,392$5,162$4,146$2,382
20 years$9,040$7,311$5,866$4,675$3,703$2,053
21 years$8,519$6,810$5,396$4,243$3,314$1,771
22 years$8,046$6,357$4,973$3,858$2,971$1,530
23 years$7,615$5,945$4,592$3,513$2,667$1,323
24 years$7,220$5,570$4,247$3,204$2,397$1,145
25 years$6,858$5,227$3,933$2,926$2,157$992
26 years$6,524$4,913$3,648$2,676$1,943$860
27 years$6,215$4,624$3,387$2,449$1,752$746
28 years$5,929$4,357$3,149$2,244$1,580$647
29 years$5,662$4,110$2,930$2,058$1,427$562
30 years$5,415$3,882$2,730$1,888$1,289$488
31 years$5,183$3,669$2,545$1,734$1,166$424
32 years$4,967$3,472$2,374$1,594$1,055$368
33 years$4,764$3,288$2,217$1,466$954$320
34 years$4,573$3,116$2,071$1,349$864$278
35 years$4,394$2,956$1,937$1,242$783$242
36 years$4,225$2,806$1,812$1,143$709$210
37 years$4,065$2,665$1,696$1,053$643$183
38 years$3,914$2,532$1,588$971$583$159
39 years$3,772$2,408$1,488$895$528$138
40 years$3,637$2,291$1,394$826$479$120
41 years$3,508$2,181$1,307$762$435$105
42 years$3,387$2,077$1,226$703$395$91
43 years$3,271$1,979$1,151$649$358$79
44 years$3,160$1,886$1,080$599$325$69
45 years$3,055$1,799$1,014$554$295$60
46 years$2,955$1,716$953$511$268$52
47 years$2,860$1,638$895$472$243$45
48 years$2,768$1,563$841$436$221$39
49 years$2,681$1,493$791$403$201$34
50 years$2,597$1,426$743$373$182$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,660,000, adding $4,195 every year, while hoping to spend $20,188 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: 68/16/16 Blend
34$2,660,000$2,660,000$2,660,000$2,660,000
35$2,935,647$2,794,667$2,753,437$3,123,865
36$3,213,603$2,910,126$2,824,197$3,365,364
37$3,519,234$3,030,566$2,896,652$3,626,643
38$3,855,342$3,156,209$2,970,835$3,911,921
39$4,225,012$3,287,289$3,046,784$4,223,556
40$4,631,647$3,424,049$3,124,534$4,564,144
41$5,078,992$3,566,745$3,204,123$4,936,540
42$5,571,176$3,715,642$3,285,588$5,343,891
43$6,112,748$3,871,020$3,368,967$5,789,656
44$6,708,719$4,033,172$3,454,299$6,277,649
45$7,364,613$4,202,401$3,541,622$6,812,064
46$8,086,513$4,379,029$3,630,976$7,397,522
47$8,881,124$4,563,388$3,722,401$8,039,109
48$9,755,834$4,755,829$3,815,937$8,742,427
49$10,718,783$4,956,719$3,911,624$9,513,643
50$11,778,940$5,166,439$4,009,504$10,359,551
51$12,946,189$5,385,391$4,109,619$11,287,630
52$14,231,419$5,613,994$4,212,011$12,306,120
53$15,646,631$5,852,688$4,316,721$13,424,092
54$17,205,049$6,101,931$4,423,792$14,651,541
55$18,921,243$6,362,204$4,533,268$15,999,473
56$20,811,269$6,634,012$4,645,192$17,480,012
57$22,892,820$6,917,879$4,759,607$19,106,510
58$25,185,391$7,214,359$4,876,557$20,893,678
59$27,710,465$7,524,027$4,996,087$22,857,719
60$30,491,716$7,847,488$5,118,240$25,016,480
61$33,555,231$8,185,375$5,243,060$27,389,624
62$36,929,755$8,538,349$5,370,593$29,998,811
63$40,646,965$8,907,103$5,500,883$32,867,901
64$44,741,767$9,292,362$5,633,974$36,023,181
65$49,252,627$9,694,887$5,769,912$39,493,610
66$54,221,931$10,115,473$5,908,740$43,311,093
67$59,696,388$10,554,952$6,050,503$47,510,778
68$65,727,471$11,014,195$6,195,246$52,131,390
69$72,371,898$11,494,116$6,343,012$57,215,594
70$79,692,174$11,995,670$6,493,845$62,810,394
71$87,757,176$12,519,859$6,647,789$68,967,580
72$96,642,805$13,067,729$6,804,887$75,744,213
73$106,432,702$13,640,378$6,965,181$83,203,160
74$117,219,036$14,238,955$7,128,714$91,413,690
75$129,103,378$14,864,664$7,295,526$100,452,125
76$142,197,655$15,518,765$7,465,658$110,402,557
77$156,625,208$16,202,577$7,639,150$121,357,641
78$172,521,959$16,917,483$7,816,041$133,419,470
79$190,037,689$17,664,930$7,996,369$146,700,534
80$209,337,457$18,446,434$8,180,170$161,324,780
81$230,603,152$19,263,584$8,367,481$177,428,784
82$254,035,216$20,118,042$8,558,334$195,163,033
83$279,854,532$21,011,551$8,752,763$214,693,346
84$308,304,513$21,945,934$8,950,798$236,202,437
85$339,653,393$22,923,105$9,152,470$259,891,638
86$374,196,766$23,945,064$9,357,804$285,982,796
87$412,260,373$25,013,909$9,566,828$314,720,363
88$454,203,177$26,131,837$9,779,563$346,373,705
89$500,420,754$27,301,149$9,996,030$381,239,641
90$551,349,021$28,524,257$10,216,249$419,645,238
91$607,468,361$29,803,685$10,440,232$461,950,902
92$669,308,148$31,142,080$10,667,995$508,553,771
93$737,451,751$32,542,214$10,899,544$559,891,466
94$812,542,038$34,006,990$11,134,887$616,446,215
95$895,287,446$35,539,452$11,374,026$678,749,404
96$986,468,668$37,142,788$11,616,958$747,386,588
97$1,086,946,024$38,820,337$11,863,678$823,003,017
98$1,197,667,584$40,575,599$12,114,177$906,309,721
99$1,319,678,115$42,412,240$12,368,439$998,090,221
100$1,454,128,945$44,334,103$12,626,444$1,099,207,918