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%11.6%
1 years$219,660$217,704$215,795$213,932$212,112$210,687
2 years$108,743$106,717$104,755$102,852$101,006$99,569
3 years$71,775$69,741$67,783$65,898$64,082$62,677
4 years$53,295$51,267$49,329$47,476$45,704$44,342
5 years$42,210$40,194$38,281$36,466$34,743$33,429
6 years$34,822$32,821$30,937$29,162$27,491$26,226
7 years$29,547$27,563$25,709$23,976$22,358$21,142
8 years$25,593$23,627$21,803$20,113$18,548$17,381
9 years$22,519$20,571$18,779$17,132$15,620$14,502
10 years$20,061$18,133$16,372$14,768$13,309$12,240
11 years$18,051$16,143$14,414$12,852$11,446$10,425
12 years$16,378$14,489$12,792$11,273$9,919$8,945
13 years$14,963$13,094$11,429$9,952$8,650$7,721
14 years$13,751$11,902$10,269$8,835$7,582$6,699
15 years$12,702$10,872$9,271$7,879$6,676$5,836
16 years$11,785$9,975$8,406$7,055$5,900$5,103
17 years$10,976$9,187$7,649$6,339$5,232$4,475
18 years$10,259$8,489$6,982$5,712$4,652$3,935
19 years$9,617$7,868$6,392$5,162$4,146$3,468
20 years$9,040$7,311$5,866$4,675$3,703$3,063
21 years$8,519$6,810$5,396$4,243$3,314$2,709
22 years$8,046$6,357$4,973$3,858$2,971$2,400
23 years$7,615$5,945$4,592$3,513$2,667$2,129
24 years$7,220$5,570$4,247$3,204$2,397$1,890
25 years$6,858$5,227$3,933$2,926$2,157$1,680
26 years$6,524$4,913$3,648$2,676$1,943$1,495
27 years$6,215$4,624$3,387$2,449$1,752$1,331
28 years$5,929$4,357$3,149$2,244$1,580$1,186
29 years$5,662$4,110$2,930$2,058$1,427$1,057
30 years$5,415$3,882$2,730$1,888$1,289$943
31 years$5,183$3,669$2,545$1,734$1,166$842
32 years$4,967$3,472$2,374$1,594$1,055$752
33 years$4,764$3,288$2,217$1,466$954$671
34 years$4,573$3,116$2,071$1,349$864$600
35 years$4,394$2,956$1,937$1,242$783$536
36 years$4,225$2,806$1,812$1,143$709$479
37 years$4,065$2,665$1,696$1,053$643$429
38 years$3,914$2,532$1,588$971$583$383
39 years$3,772$2,408$1,488$895$528$343
40 years$3,637$2,291$1,394$826$479$307
41 years$3,508$2,181$1,307$762$435$275
42 years$3,387$2,077$1,226$703$395$246
43 years$3,271$1,979$1,151$649$358$220
44 years$3,160$1,886$1,080$599$325$197
45 years$3,055$1,799$1,014$554$295$176
46 years$2,955$1,716$953$511$268$158
47 years$2,860$1,638$895$472$243$141
48 years$2,768$1,563$841$436$221$127
49 years$2,681$1,493$791$403$201$113
50 years$2,597$1,426$743$373$182$102

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 $6,128 every year, while hoping to spend $29,547 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: 34/40/26 Blend
34$2,660,000$2,660,000$2,660,000$2,660,000
35$2,937,641$2,796,661$2,755,431$3,014,168
36$3,205,843$2,902,260$2,816,300$3,177,702
37$3,500,411$3,012,042$2,878,218$3,350,835
38$3,824,003$3,126,183$2,941,189$3,536,958
39$4,179,548$3,244,863$3,005,216$3,737,242
40$4,570,272$3,368,271$3,070,300$3,952,978
41$4,999,728$3,496,605$3,136,444$4,185,580
42$5,471,833$3,630,071$3,203,647$4,436,602
43$5,990,900$3,768,884$3,271,909$4,707,749
44$6,561,681$3,913,269$3,341,227$5,000,897
45$7,189,412$4,063,459$3,411,599$5,318,105
46$7,879,863$4,219,699$3,483,018$5,661,635
47$8,639,390$4,382,245$3,555,480$6,033,975
48$9,474,995$4,551,363$3,628,976$6,437,858
49$10,394,395$4,727,330$3,703,497$6,876,290
50$11,406,092$4,910,438$3,779,033$7,352,576
51$12,519,454$5,100,990$3,855,571$7,870,348
52$13,744,801$5,299,301$3,933,096$8,433,604
53$15,093,508$5,505,704$4,011,591$9,046,739
54$16,578,104$5,720,542$4,091,038$9,714,587
55$18,212,399$5,944,177$4,171,416$10,442,469
56$20,011,607$6,176,985$4,252,702$11,236,237
57$21,992,492$6,419,358$4,334,869$12,102,331
58$24,173,529$6,671,709$4,417,889$13,047,836
59$26,575,072$6,934,466$4,501,731$14,080,551
60$29,219,551$7,208,077$4,586,361$15,209,060
61$32,131,683$7,493,010$4,671,742$16,442,809
62$35,338,701$7,789,755$4,757,832$17,792,198
63$38,870,618$8,098,822$4,844,589$19,268,673
64$42,760,502$8,420,745$4,931,964$20,884,837
65$47,044,795$8,756,083$5,019,906$22,654,563
66$51,763,651$9,105,418$5,108,360$24,593,127
67$56,961,320$9,469,360$5,197,266$26,717,347
68$62,686,560$9,848,544$5,286,561$29,045,744
69$68,993,104$10,243,638$5,376,175$31,598,709
70$75,940,159$10,655,334$5,466,035$34,398,700
71$83,592,971$11,084,362$5,556,064$37,470,446
72$92,023,438$11,531,479$5,646,176$40,841,182
73$101,310,788$11,997,481$5,736,282$44,540,904
74$111,542,328$12,483,197$5,826,287$48,602,646
75$122,814,267$12,989,496$5,916,089$53,062,792
76$135,232,625$13,517,283$6,005,580$57,961,418
77$148,914,231$14,067,508$6,094,645$63,342,665
78$163,987,828$14,641,162$6,183,162$69,255,154
79$180,595,290$15,239,282$6,271,001$75,752,441
80$198,892,955$15,862,952$6,358,025$82,893,523
81$219,053,105$16,513,306$6,444,088$90,743,387
82$241,265,593$17,191,529$6,529,036$99,373,622
83$265,739,630$17,898,860$6,612,705$108,863,093
84$292,705,765$18,636,597$6,694,923$119,298,680
85$322,418,057$19,406,094$6,775,507$130,776,092
86$355,156,476$20,208,771$6,854,264$143,400,774
87$391,229,545$21,046,109$6,930,991$157,288,891
88$430,977,252$21,919,661$7,005,471$172,568,421
89$474,774,256$22,831,049$7,077,480$189,380,363
90$523,033,431$23,781,971$7,146,776$207,880,061
91$576,209,756$24,774,203$7,213,108$228,238,664
92$634,804,614$25,809,602$7,276,210$250,644,738
93$699,370,523$26,890,111$7,335,801$275,306,042
94$770,516,354$28,017,764$7,391,589$302,451,481
95$848,913,076$29,194,688$7,443,261$332,333,264
96$935,300,092$30,423,110$7,490,492$365,229,277
97$1,030,492,216$31,705,357$7,532,938$401,445,700
98$1,135,387,370$33,043,867$7,570,239$441,319,891
99$1,250,975,055$34,441,190$7,602,015$485,223,567
100$1,378,345,696$35,899,994$7,627,869$533,566,301