Can I retire at age 35 with 2,680,000?

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 $2,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$221,312$219,341$217,417$215,540$213,707$209,735
2 years$109,560$107,520$105,542$103,625$101,765$97,779
3 years$72,315$70,265$68,293$66,394$64,564$60,687
4 years$53,696$51,653$49,700$47,833$46,048$42,310
5 years$42,527$40,496$38,569$36,740$35,005$31,417
6 years$35,084$33,068$31,170$29,381$27,698$24,264
7 years$29,769$27,771$25,902$24,156$22,526$19,247
8 years$25,785$23,805$21,967$20,264$18,687$15,562
9 years$22,688$20,726$18,920$17,260$15,737$12,764
10 years$20,212$18,269$16,495$14,879$13,409$10,585
11 years$18,187$16,264$14,522$12,949$11,532$8,854
12 years$16,501$14,598$12,888$11,358$9,994$7,458
13 years$15,075$13,192$11,514$10,027$8,715$6,317
14 years$13,855$11,991$10,346$8,901$7,639$5,376
15 years$12,797$10,954$9,341$7,938$6,726$4,592
16 years$11,873$10,050$8,469$7,108$5,945$3,936
17 years$11,059$9,256$7,706$6,386$5,271$3,382
18 years$10,336$8,553$7,035$5,755$4,687$2,912
19 years$9,689$7,927$6,440$5,200$4,177$2,513
20 years$9,108$7,366$5,910$4,710$3,731$2,172
21 years$8,584$6,861$5,436$4,275$3,339$1,880
22 years$8,107$6,404$5,011$3,887$2,993$1,629
23 years$7,672$5,990$4,626$3,540$2,687$1,413
24 years$7,275$5,612$4,279$3,228$2,415$1,227
25 years$6,909$5,267$3,963$2,948$2,173$1,066
26 years$6,573$4,950$3,675$2,696$1,957$927
27 years$6,262$4,658$3,413$2,468$1,765$807
28 years$5,973$4,390$3,173$2,261$1,592$702
29 years$5,705$4,141$2,952$2,073$1,438$611
30 years$5,455$3,911$2,750$1,903$1,299$533
31 years$5,222$3,697$2,564$1,747$1,175$464
32 years$5,004$3,498$2,392$1,606$1,062$405
33 years$4,799$3,313$2,234$1,477$962$353
34 years$4,607$3,140$2,087$1,359$871$308
35 years$4,427$2,978$1,951$1,251$789$268
36 years$4,256$2,827$1,825$1,152$714$234
37 years$4,096$2,685$1,708$1,061$648$204
38 years$3,944$2,551$1,600$978$587$178
39 years$3,800$2,426$1,499$902$532$156
40 years$3,664$2,308$1,405$832$483$136
41 years$3,535$2,197$1,317$768$438$118
42 years$3,412$2,093$1,236$708$397$103
43 years$3,295$1,994$1,160$654$361$90
44 years$3,184$1,900$1,088$604$327$79
45 years$3,078$1,812$1,022$558$297$69
46 years$2,977$1,729$960$515$270$60
47 years$2,881$1,650$902$476$245$52
48 years$2,789$1,575$847$440$223$46
49 years$2,701$1,504$797$406$202$40
50 years$2,617$1,437$749$376$184$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,680,000, adding $3,096 every year, while hoping to spend $59,400 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: 40/38/22 Blend
34$2,680,000$2,680,000$2,680,000$2,680,000
35$2,956,554$2,814,514$2,772,974$3,055,448
36$3,194,921$2,889,224$2,802,667$3,201,487
37$3,455,611$2,965,604$2,831,364$3,353,504
38$3,740,838$3,043,673$2,858,970$3,516,765
39$4,053,039$3,123,449$2,885,381$3,692,331
40$4,394,901$3,204,949$2,910,493$3,881,366
41$4,769,378$3,288,189$2,934,192$4,085,156
42$5,179,727$3,373,183$2,956,360$4,305,114
43$5,629,534$3,459,944$2,976,873$4,542,798
44$6,122,748$3,548,482$2,995,599$4,799,922
45$6,663,718$3,638,807$3,012,401$5,078,378
46$7,257,235$3,730,927$3,027,135$5,380,247
47$7,908,576$3,824,845$3,039,647$5,707,822
48$8,623,553$3,920,566$3,049,778$6,063,631
49$9,408,570$4,018,088$3,057,360$6,450,457
50$10,270,679$4,117,409$3,062,216$6,871,370
51$11,217,650$4,218,524$3,064,162$7,329,749
52$12,258,042$4,321,423$3,063,003$7,829,319
53$13,401,284$4,426,094$3,058,536$8,374,187
54$14,657,764$4,532,522$3,050,545$8,968,876
55$16,038,925$4,640,685$3,038,808$9,618,371
56$17,557,376$4,750,559$3,023,089$10,328,168
57$19,227,007$4,862,115$3,003,141$11,104,322
58$21,063,122$4,975,319$2,978,706$11,953,506
59$23,082,582$5,090,131$2,949,514$12,883,076
60$25,303,964$5,206,506$2,915,282$13,901,138
61$27,747,737$5,324,393$2,875,712$15,016,628
62$30,436,451$5,443,733$2,830,493$16,239,392
63$33,394,955$5,564,462$2,779,301$17,580,284
64$36,650,627$5,686,508$2,721,794$19,051,266
65$40,233,633$5,809,789$2,657,616$20,665,522
66$44,177,212$5,934,217$2,586,395$22,437,585
67$48,517,989$6,059,694$2,507,740$24,383,470
68$53,296,317$6,186,113$2,421,243$26,520,831
69$58,556,664$6,313,355$2,326,478$28,869,125
70$64,348,027$6,441,292$2,222,997$31,449,798
71$70,724,394$6,569,784$2,110,336$34,286,485
72$77,745,255$6,698,677$1,988,005$37,405,240
73$85,476,164$6,827,805$1,855,496$40,834,775
74$93,989,354$6,956,988$1,712,277$44,606,740
75$103,364,420$7,086,032$1,557,790$48,756,014
76$113,689,069$7,214,726$1,391,454$53,321,046
77$125,059,949$7,342,843$1,212,663$58,344,208
78$137,583,559$7,470,137$1,020,782$63,872,203
79$151,377,253$7,596,345$815,149$69,956,507
80$166,570,349$7,721,182$595,073$76,653,852
81$183,305,348$7,844,344$359,831$84,026,768
82$201,739,279$7,965,502$108,671$92,144,171
83$222,045,180$8,084,306$0$101,082,019
84$244,413,731$8,200,379$0$110,961,436
85$269,055,051$8,313,318$0$121,866,933
86$296,200,687$8,422,691$0$133,874,866
87$326,105,791$8,528,037$0$147,097,522
88$359,051,534$8,628,862$0$161,658,642
89$395,347,755$8,724,642$0$177,694,592
90$435,335,889$8,814,813$0$195,355,651
91$479,392,187$8,898,776$0$214,807,430
92$527,931,267$8,975,892$0$236,232,437
93$581,410,027$9,045,481$0$259,831,798
94$640,331,957$9,106,818$0$285,827,162
95$705,251,896$9,159,131$0$314,462,792
96$776,781,259$9,201,598$0$346,007,872
97$855,593,818$9,233,347$0$380,759,048
98$942,432,056$9,253,449$0$419,043,236
99$1,038,114,175$9,260,918$0$461,220,705
100$1,143,541,823$9,254,705$0$507,688,480