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%16.9%
1 years$219,660$217,704$215,795$213,932$212,112$206,149
2 years$108,743$106,717$104,755$102,852$101,006$95,043
3 years$71,775$69,741$67,783$65,898$64,082$58,307
4 years$53,295$51,267$49,329$47,476$45,704$40,161
5 years$42,210$40,194$38,281$36,466$34,743$29,447
6 years$34,822$32,821$30,937$29,162$27,491$22,447
7 years$29,547$27,563$25,709$23,976$22,358$17,566
8 years$25,593$23,627$21,803$20,113$18,548$14,006
9 years$22,519$20,571$18,779$17,132$15,620$11,323
10 years$20,061$18,133$16,372$14,768$13,309$9,251
11 years$18,051$16,143$14,414$12,852$11,446$7,621
12 years$16,378$14,489$12,792$11,273$9,919$6,320
13 years$14,963$13,094$11,429$9,952$8,650$5,268
14 years$13,751$11,902$10,269$8,835$7,582$4,410
15 years$12,702$10,872$9,271$7,879$6,676$3,705
16 years$11,785$9,975$8,406$7,055$5,900$3,121
17 years$10,976$9,187$7,649$6,339$5,232$2,636
18 years$10,259$8,489$6,982$5,712$4,652$2,230
19 years$9,617$7,868$6,392$5,162$4,146$1,890
20 years$9,040$7,311$5,866$4,675$3,703$1,604
21 years$8,519$6,810$5,396$4,243$3,314$1,363
22 years$8,046$6,357$4,973$3,858$2,971$1,160
23 years$7,615$5,945$4,592$3,513$2,667$987
24 years$7,220$5,570$4,247$3,204$2,397$841
25 years$6,858$5,227$3,933$2,926$2,157$717
26 years$6,524$4,913$3,648$2,676$1,943$612
27 years$6,215$4,624$3,387$2,449$1,752$522
28 years$5,929$4,357$3,149$2,244$1,580$445
29 years$5,662$4,110$2,930$2,058$1,427$380
30 years$5,415$3,882$2,730$1,888$1,289$325
31 years$5,183$3,669$2,545$1,734$1,166$278
32 years$4,967$3,472$2,374$1,594$1,055$237
33 years$4,764$3,288$2,217$1,466$954$203
34 years$4,573$3,116$2,071$1,349$864$173
35 years$4,394$2,956$1,937$1,242$783$148
36 years$4,225$2,806$1,812$1,143$709$127
37 years$4,065$2,665$1,696$1,053$643$108
38 years$3,914$2,532$1,588$971$583$93
39 years$3,772$2,408$1,488$895$528$79
40 years$3,637$2,291$1,394$826$479$68
41 years$3,508$2,181$1,307$762$435$58
42 years$3,387$2,077$1,226$703$395$49
43 years$3,271$1,979$1,151$649$358$42
44 years$3,160$1,886$1,080$599$325$36
45 years$3,055$1,799$1,014$554$295$31
46 years$2,955$1,716$953$511$268$26
47 years$2,860$1,638$895$472$243$23
48 years$2,768$1,563$841$436$221$19
49 years$2,681$1,493$791$403$201$17
50 years$2,597$1,426$743$373$182$14

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 $2,430 every year, while hoping to spend $21,696 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: 50/29/21 Blend
34$2,660,000$2,660,000$2,660,000$2,660,000
35$2,933,827$2,792,847$2,751,617$3,063,166
36$3,209,992$2,906,612$2,820,711$3,266,787
37$3,513,600$3,025,224$2,891,394$3,485,551
38$3,847,426$3,148,898$2,963,694$3,722,858
39$4,214,528$3,277,859$3,037,642$3,980,467
40$4,618,276$3,412,341$3,113,270$4,260,315
41$5,062,384$3,552,589$3,190,608$4,564,528
42$5,550,942$3,698,860$3,269,687$4,895,445
43$6,088,456$3,851,423$3,350,540$5,255,637
44$6,679,894$4,010,558$3,433,199$5,647,935
45$7,330,726$4,176,558$3,517,694$6,075,448
46$8,046,982$4,349,731$3,604,058$6,541,599
47$8,835,304$4,530,398$3,692,324$7,050,154
48$9,703,012$4,718,895$3,782,525$7,605,255
49$10,658,172$4,915,573$3,874,692$8,211,459
50$11,709,670$5,120,800$3,968,858$8,873,782
51$12,867,297$5,334,961$4,065,056$9,597,745
52$14,141,845$5,558,458$4,163,319$10,389,421
53$15,545,203$5,791,712$4,263,680$11,255,497
54$17,090,471$6,035,163$4,366,171$12,203,333
55$18,792,086$6,289,273$4,470,824$13,241,030
56$20,665,954$6,554,523$4,577,672$14,377,508
57$22,729,605$6,831,418$4,686,748$15,622,585
58$25,002,354$7,120,486$4,798,083$16,987,071
59$27,505,484$7,422,281$4,911,709$18,482,870
60$30,262,450$7,737,379$5,027,657$20,123,086
61$33,299,095$8,066,386$5,145,960$21,922,151
62$36,643,900$8,409,935$5,266,646$23,895,957
63$40,328,246$8,768,690$5,389,747$26,062,003
64$44,386,715$9,143,344$5,515,291$28,439,562
65$48,857,415$9,534,623$5,643,309$31,049,858
66$53,782,339$9,943,288$5,773,827$33,916,268
67$59,207,762$10,370,133$5,906,874$37,064,535
68$65,184,675$10,815,991$6,042,477$40,523,017
69$71,769,273$11,281,735$6,180,660$44,322,947
70$79,023,475$11,768,277$6,321,449$48,498,726
71$87,015,520$12,276,572$6,464,867$53,088,248
72$95,820,599$12,807,621$6,610,937$58,133,255
73$105,521,576$13,362,470$6,759,679$63,679,726
74$116,209,761$13,942,216$6,911,113$69,778,313
75$127,985,779$14,548,006$7,065,257$76,484,812
76$140,960,513$15,181,043$7,222,128$83,860,689
77$155,256,155$15,842,585$7,381,739$91,973,658
78$171,007,360$16,533,948$7,544,105$100,898,318
79$188,362,513$17,256,513$7,709,234$110,716,851
80$207,485,132$18,011,725$7,877,136$121,519,796
81$228,555,411$18,801,096$8,047,816$133,406,904
82$251,771,923$19,626,210$8,221,278$146,488,070
83$277,353,491$20,488,726$8,397,523$160,884,370
84$305,541,256$21,390,381$8,576,548$176,729,201
85$336,600,950$22,332,996$8,758,348$194,169,535
86$370,825,409$23,318,475$8,942,915$213,367,302
87$408,537,334$24,348,814$9,130,237$234,500,915
88$450,092,340$25,426,103$9,320,297$257,766,951
89$495,882,308$26,552,532$9,513,076$283,381,998
90$546,339,090$27,730,393$9,708,551$311,584,699
91$601,938,583$28,962,088$9,906,694$342,637,997
92$663,205,221$30,250,133$10,107,470$376,831,616
93$730,716,926$31,597,162$10,310,843$414,484,782
94$805,110,566$33,005,936$10,516,769$455,949,242
95$887,087,963$34,479,346$10,725,200$501,612,568
96$977,422,522$36,020,421$10,936,082$551,901,816
97$1,076,966,531$37,632,334$11,149,352$607,287,550
98$1,186,659,207$39,318,408$11,364,945$668,288,275
99$1,307,535,562$41,082,125$11,582,786$735,475,325
100$1,440,736,174$42,927,134$11,802,794$809,478,253