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

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 $2,680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$221,312$219,341$217,417$215,540$213,707$208,034
2 years$109,560$107,520$105,542$103,625$101,765$96,090
3 years$72,315$70,265$68,293$66,394$64,564$59,063
4 years$53,696$51,653$49,700$47,833$46,048$40,764
5 years$42,527$40,496$38,569$36,740$35,005$29,953
6 years$35,084$33,068$31,170$29,381$27,698$22,882
7 years$29,769$27,771$25,902$24,156$22,526$17,947
8 years$25,785$23,805$21,967$20,264$18,687$14,343
9 years$22,688$20,726$18,920$17,260$15,737$11,624
10 years$20,212$18,269$16,495$14,879$13,409$9,521
11 years$18,187$16,264$14,522$12,949$11,532$7,863
12 years$16,501$14,598$12,888$11,358$9,994$6,538
13 years$15,075$13,192$11,514$10,027$8,715$5,464
14 years$13,855$11,991$10,346$8,901$7,639$4,587
15 years$12,797$10,954$9,341$7,938$6,726$3,864
16 years$11,873$10,050$8,469$7,108$5,945$3,265
17 years$11,059$9,256$7,706$6,386$5,271$2,765
18 years$10,336$8,553$7,035$5,755$4,687$2,347
19 years$9,689$7,927$6,440$5,200$4,177$1,995
20 years$9,108$7,366$5,910$4,710$3,731$1,699
21 years$8,584$6,861$5,436$4,275$3,339$1,448
22 years$8,107$6,404$5,011$3,887$2,993$1,235
23 years$7,672$5,990$4,626$3,540$2,687$1,055
24 years$7,275$5,612$4,279$3,228$2,415$902
25 years$6,909$5,267$3,963$2,948$2,173$771
26 years$6,573$4,950$3,675$2,696$1,957$660
27 years$6,262$4,658$3,413$2,468$1,765$565
28 years$5,973$4,390$3,173$2,261$1,592$484
29 years$5,705$4,141$2,952$2,073$1,438$414
30 years$5,455$3,911$2,750$1,903$1,299$355
31 years$5,222$3,697$2,564$1,747$1,175$304
32 years$5,004$3,498$2,392$1,606$1,062$261
33 years$4,799$3,313$2,234$1,477$962$224
34 years$4,607$3,140$2,087$1,359$871$192
35 years$4,427$2,978$1,951$1,251$789$165
36 years$4,256$2,827$1,825$1,152$714$141
37 years$4,096$2,685$1,708$1,061$648$121
38 years$3,944$2,551$1,600$978$587$104
39 years$3,800$2,426$1,499$902$532$89
40 years$3,664$2,308$1,405$832$483$76
41 years$3,535$2,197$1,317$768$438$66
42 years$3,412$2,093$1,236$708$397$56
43 years$3,295$1,994$1,160$654$361$48
44 years$3,184$1,900$1,088$604$327$41
45 years$3,078$1,812$1,022$558$297$36
46 years$2,977$1,729$960$515$270$31
47 years$2,881$1,650$902$476$245$26
48 years$2,789$1,575$847$440$223$23
49 years$2,701$1,504$797$406$202$19
50 years$2,617$1,437$749$376$184$17

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 $3,813 every year, while hoping to spend $54,841 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: 65/9/26 Blend
34$2,680,000$2,680,000$2,680,000$2,680,000
35$2,957,293$2,815,253$2,773,713$3,129,109
36$3,200,587$2,894,850$2,808,282$3,325,131
37$3,466,858$2,976,509$2,842,171$3,532,823
38$3,758,393$3,060,274$2,875,299$3,758,610
39$4,077,709$3,146,187$2,907,582$4,004,277
40$4,427,578$3,234,293$2,938,929$4,271,790
41$4,811,053$3,324,635$2,969,245$4,563,313
42$5,231,496$3,417,258$2,998,430$4,881,234
43$5,692,610$3,512,205$3,026,379$5,228,180
44$6,198,474$3,609,521$3,052,981$5,607,048
45$6,753,581$3,709,250$3,078,118$6,021,028
46$7,362,879$3,811,436$3,101,667$6,473,636
47$8,031,819$3,916,122$3,123,499$6,968,746
48$8,766,405$4,023,353$3,143,477$7,510,628
49$9,573,252$4,133,171$3,161,457$8,103,984
50$10,459,647$4,245,620$3,177,289$8,753,997
51$11,433,617$4,360,741$3,190,814$9,466,380
52$12,504,004$4,478,576$3,201,865$10,247,426
53$13,680,553$4,599,166$3,210,268$11,104,070
54$14,973,995$4,722,551$3,215,838$12,043,955
55$16,396,156$4,848,770$3,218,382$13,075,504
56$17,960,064$4,977,860$3,217,698$14,207,999
57$19,680,074$5,109,858$3,213,573$15,451,666
58$21,571,998$5,244,798$3,205,785$16,817,779
59$23,653,263$5,382,714$3,194,100$18,318,758
60$25,943,065$5,523,637$3,178,272$19,968,293
61$28,462,559$5,667,595$3,158,045$21,781,469
62$31,235,049$5,814,617$3,133,149$23,774,912
63$34,286,217$5,964,726$3,103,302$25,966,942
64$37,644,357$6,117,944$3,068,209$28,377,750
65$41,340,648$6,274,289$3,027,560$31,029,589
66$45,409,442$6,433,778$2,981,031$33,946,980
67$49,888,593$6,596,420$2,928,284$37,156,947
68$54,819,810$6,762,225$2,868,961$40,689,272
69$60,249,052$6,931,196$2,802,693$44,576,778
70$66,226,962$7,103,331$2,729,090$48,855,634
71$72,809,342$7,278,625$2,647,745$53,565,704
72$80,057,683$7,457,065$2,558,233$58,750,916
73$88,039,742$7,638,636$2,460,108$64,459,686
74$96,830,180$7,823,314$2,352,906$70,745,365
75$106,511,269$8,011,067$2,236,139$77,666,754
76$117,173,669$8,201,860$2,109,300$85,288,649
77$128,917,278$8,395,646$1,971,857$93,682,465
78$141,852,180$8,592,372$1,823,254$102,926,897
79$156,099,680$8,791,977$1,662,911$113,108,678
80$171,793,451$8,994,387$1,490,222$124,323,386
81$189,080,792$9,199,520$1,304,553$136,676,355
82$208,124,020$9,407,284$1,105,243$150,283,667
83$229,102,003$9,617,574$891,601$165,273,250
84$252,211,844$9,830,272$662,906$181,786,084
85$277,670,744$10,045,247$418,406$199,977,537
86$305,718,050$10,262,355$157,313$220,018,829
87$336,617,516$10,481,435$0$242,098,651
88$370,659,788$10,702,311$0$266,458,603
89$408,165,152$10,924,789$0$293,342,954
90$449,486,551$11,148,658$0$322,960,808
91$495,012,923$11,373,686$0$355,590,736
92$545,172,866$11,599,621$0$391,539,718
93$600,438,684$11,826,188$0$431,146,038
94$661,330,848$12,053,090$0$474,782,479
95$728,422,907$12,280,004$0$522,859,841
96$802,346,900$12,506,580$0$575,830,820
97$883,799,323$12,732,441$0$634,194,277
98$973,547,704$12,957,181$0$698,499,953
99$1,072,437,846$13,180,360$0$769,353,652
100$1,181,401,814$13,401,505$0$847,422,965