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%15.7%
1 years$221,312$219,341$217,417$215,540$213,707$208,710
2 years$109,560$107,520$105,542$103,625$101,765$96,759
3 years$72,315$70,265$68,293$66,394$64,564$59,706
4 years$53,696$51,653$49,700$47,833$46,048$41,374
5 years$42,527$40,496$38,569$36,740$35,005$30,529
6 years$35,084$33,068$31,170$29,381$27,698$23,425
7 years$29,769$27,771$25,902$24,156$22,526$18,456
8 years$25,785$23,805$21,967$20,264$18,687$14,819
9 years$22,688$20,726$18,920$17,260$15,737$12,067
10 years$20,212$18,269$16,495$14,879$13,409$9,934
11 years$18,187$16,264$14,522$12,949$11,532$8,246
12 years$16,501$14,598$12,888$11,358$9,994$6,892
13 years$15,075$13,192$11,514$10,027$8,715$5,792
14 years$13,855$11,991$10,346$8,901$7,639$4,888
15 years$12,797$10,954$9,341$7,938$6,726$4,141
16 years$11,873$10,050$8,469$7,108$5,945$3,519
17 years$11,059$9,256$7,706$6,386$5,271$2,998
18 years$10,336$8,553$7,035$5,755$4,687$2,559
19 years$9,689$7,927$6,440$5,200$4,177$2,189
20 years$9,108$7,366$5,910$4,710$3,731$1,875
21 years$8,584$6,861$5,436$4,275$3,339$1,608
22 years$8,107$6,404$5,011$3,887$2,993$1,380
23 years$7,672$5,990$4,626$3,540$2,687$1,186
24 years$7,275$5,612$4,279$3,228$2,415$1,020
25 years$6,909$5,267$3,963$2,948$2,173$878
26 years$6,573$4,950$3,675$2,696$1,957$756
27 years$6,262$4,658$3,413$2,468$1,765$652
28 years$5,973$4,390$3,173$2,261$1,592$562
29 years$5,705$4,141$2,952$2,073$1,438$484
30 years$5,455$3,911$2,750$1,903$1,299$418
31 years$5,222$3,697$2,564$1,747$1,175$360
32 years$5,004$3,498$2,392$1,606$1,062$311
33 years$4,799$3,313$2,234$1,477$962$269
34 years$4,607$3,140$2,087$1,359$871$232
35 years$4,427$2,978$1,951$1,251$789$200
36 years$4,256$2,827$1,825$1,152$714$173
37 years$4,096$2,685$1,708$1,061$648$149
38 years$3,944$2,551$1,600$978$587$129
39 years$3,800$2,426$1,499$902$532$111
40 years$3,664$2,308$1,405$832$483$96
41 years$3,535$2,197$1,317$768$438$83
42 years$3,412$2,093$1,236$708$397$72
43 years$3,295$1,994$1,160$654$361$62
44 years$3,184$1,900$1,088$604$327$54
45 years$3,078$1,812$1,022$558$297$46
46 years$2,977$1,729$960$515$270$40
47 years$2,881$1,650$902$476$245$35
48 years$2,789$1,575$847$440$223$30
49 years$2,701$1,504$797$406$202$26
50 years$2,617$1,437$749$376$184$22

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 $6,255 every year, while hoping to spend $23,283 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: 55/21/24 Blend
34$2,680,000$2,680,000$2,680,000$2,680,000
35$2,959,812$2,817,772$2,776,232$3,102,805
36$3,236,940$2,931,070$2,844,463$3,314,979
37$3,541,555$3,049,139$2,914,199$3,542,971
38$3,876,435$3,172,189$2,985,467$3,790,786
39$4,244,643$3,300,437$3,058,291$4,060,334
40$4,649,551$3,434,114$3,132,699$4,353,716
41$5,094,877$3,573,457$3,208,716$4,673,245
42$5,584,715$3,718,717$3,286,369$5,021,464
43$6,123,577$3,870,155$3,365,682$5,401,171
44$6,716,432$4,028,043$3,446,684$5,815,446
45$7,368,759$4,192,668$3,529,398$6,267,677
46$8,086,592$4,364,328$3,613,852$6,761,595
47$8,876,579$4,543,335$3,700,072$7,301,305
48$9,746,048$4,730,016$3,788,081$7,891,326
49$10,703,070$4,924,712$3,877,907$8,536,631
50$11,756,541$5,127,781$3,969,575$9,242,698
51$12,916,261$5,339,595$4,063,108$10,015,554
52$14,193,030$5,560,545$4,158,533$10,861,839
53$15,598,747$5,791,040$4,255,872$11,788,859
54$17,146,526$6,031,508$4,355,150$12,804,664
55$18,850,814$6,282,394$4,456,391$13,918,114
56$20,727,533$6,544,167$4,559,616$15,138,968
57$22,794,226$6,817,317$4,664,848$16,477,973
58$25,070,226$7,102,353$4,772,108$17,946,963
59$27,576,833$7,399,813$4,881,418$19,558,973
60$30,337,522$7,710,256$4,992,798$21,328,359
61$33,378,158$8,034,267$5,106,265$23,270,932
62$36,727,245$8,372,461$5,221,840$25,404,108
63$40,416,191$8,725,479$5,339,539$27,747,068
64$44,479,607$9,093,991$5,459,377$30,320,943
65$48,955,631$9,478,701$5,581,371$33,149,007
66$53,886,292$9,880,344$5,705,533$36,256,898
67$59,317,901$10,299,689$5,831,876$39,672,860
68$65,301,494$10,737,540$5,960,411$43,428,003
69$71,893,308$11,194,741$6,091,146$47,556,602
70$79,155,315$11,672,173$6,224,089$52,096,415
71$87,155,807$12,170,760$6,359,246$57,089,038
72$95,970,039$12,691,466$6,496,620$62,580,297
73$105,680,939$13,235,304$6,636,213$68,620,677
74$116,379,892$13,803,332$6,778,024$75,265,802
75$128,167,603$14,396,657$6,922,050$82,576,950
76$141,155,045$15,016,439$7,068,285$90,621,637
77$155,464,508$15,663,893$7,216,720$99,474,249
78$171,230,753$16,340,289$7,367,346$109,216,741
79$188,602,284$17,046,957$7,520,146$119,939,412
80$207,742,750$17,785,291$7,675,104$131,741,752
81$228,832,489$18,556,749$7,832,198$144,733,381
82$252,070,231$19,362,858$7,991,405$159,035,078
83$277,674,972$20,205,216$8,152,695$174,779,923
84$305,888,045$21,085,497$8,316,036$192,114,548
85$336,975,393$22,005,454$8,481,391$211,200,520
86$371,230,085$22,966,922$8,648,719$232,215,859
87$408,975,075$23,971,824$8,817,973$255,356,723
88$450,566,260$25,022,170$8,989,102$280,839,250
89$496,395,830$26,120,068$9,162,049$308,901,598
90$546,895,979$27,267,726$9,336,752$339,806,190
91$602,542,978$28,467,454$9,513,142$373,842,186
92$663,861,675$29,721,672$9,691,145$411,328,211
93$731,430,447$31,032,915$9,870,680$452,615,359
94$805,886,663$32,403,838$10,051,657$498,090,502
95$887,932,697$33,837,220$10,233,983$548,179,938
96$978,342,563$35,335,975$10,417,552$603,353,413
97$1,077,969,218$36,903,152$10,602,254$664,128,549
98$1,187,752,618$38,541,945$10,787,969$731,075,727
99$1,308,728,585$40,255,702$10,974,566$804,823,466
100$1,442,038,596$42,047,926$11,161,909$886,064,351