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%11.5%
1 years$221,312$219,341$217,417$215,540$213,707$212,360
2 years$109,560$107,520$105,542$103,625$101,765$100,407
3 years$72,315$70,265$68,293$66,394$64,564$63,236
4 years$53,696$51,653$49,700$47,833$46,048$44,760
5 years$42,527$40,496$38,569$36,740$35,005$33,761
6 years$35,084$33,068$31,170$29,381$27,698$26,501
7 years$29,769$27,771$25,902$24,156$22,526$21,375
8 years$25,785$23,805$21,967$20,264$18,687$17,583
9 years$22,688$20,726$18,920$17,260$15,737$14,680
10 years$20,212$18,269$16,495$14,879$13,409$12,397
11 years$18,187$16,264$14,522$12,949$11,532$10,565
12 years$16,501$14,598$12,888$11,358$9,994$9,071
13 years$15,075$13,192$11,514$10,027$8,715$7,835
14 years$13,855$11,991$10,346$8,901$7,639$6,802
15 years$12,797$10,954$9,341$7,938$6,726$5,930
16 years$11,873$10,050$8,469$7,108$5,945$5,188
17 years$11,059$9,256$7,706$6,386$5,271$4,554
18 years$10,336$8,553$7,035$5,755$4,687$4,007
19 years$9,689$7,927$6,440$5,200$4,177$3,534
20 years$9,108$7,366$5,910$4,710$3,731$3,123
21 years$8,584$6,861$5,436$4,275$3,339$2,764
22 years$8,107$6,404$5,011$3,887$2,993$2,450
23 years$7,672$5,990$4,626$3,540$2,687$2,175
24 years$7,275$5,612$4,279$3,228$2,415$1,933
25 years$6,909$5,267$3,963$2,948$2,173$1,720
26 years$6,573$4,950$3,675$2,696$1,957$1,531
27 years$6,262$4,658$3,413$2,468$1,765$1,364
28 years$5,973$4,390$3,173$2,261$1,592$1,217
29 years$5,705$4,141$2,952$2,073$1,438$1,086
30 years$5,455$3,911$2,750$1,903$1,299$969
31 years$5,222$3,697$2,564$1,747$1,175$866
32 years$5,004$3,498$2,392$1,606$1,062$774
33 years$4,799$3,313$2,234$1,477$962$692
34 years$4,607$3,140$2,087$1,359$871$618
35 years$4,427$2,978$1,951$1,251$789$553
36 years$4,256$2,827$1,825$1,152$714$495
37 years$4,096$2,685$1,708$1,061$648$443
38 years$3,944$2,551$1,600$978$587$397
39 years$3,800$2,426$1,499$902$532$355
40 years$3,664$2,308$1,405$832$483$318
41 years$3,535$2,197$1,317$768$438$285
42 years$3,412$2,093$1,236$708$397$255
43 years$3,295$1,994$1,160$654$361$229
44 years$3,184$1,900$1,088$604$327$205
45 years$3,078$1,812$1,022$558$297$184
46 years$2,977$1,729$960$515$270$164
47 years$2,881$1,650$902$476$245$147
48 years$2,789$1,575$847$440$223$132
49 years$2,701$1,504$797$406$202$118
50 years$2,617$1,437$749$376$184$106

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 $6,937 every year, while hoping to spend $36,240 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: 61/28/11 Blend
34$2,680,000$2,680,000$2,680,000$2,680,000
35$2,960,516$2,818,476$2,776,936$3,133,087
36$3,223,929$2,918,022$2,831,404$3,349,229
37$3,512,996$3,021,231$2,886,482$3,580,219
38$3,830,295$3,128,245$2,942,153$3,831,374
39$4,178,666$3,239,210$2,998,396$4,104,646
40$4,561,238$3,354,279$3,055,190$4,402,180
41$4,981,458$3,473,612$3,112,512$4,726,336
42$5,443,121$3,597,374$3,170,336$5,079,713
43$5,950,411$3,725,737$3,228,634$5,465,171
44$6,507,935$3,858,880$3,287,376$5,885,855
45$7,120,771$3,996,991$3,346,529$6,345,230
46$7,794,510$4,140,264$3,406,057$6,847,108
47$8,535,314$4,288,901$3,465,924$7,395,687
48$9,349,971$4,443,113$3,526,088$7,995,586
49$10,245,961$4,603,118$3,586,506$8,651,895
50$11,231,525$4,769,147$3,647,129$9,370,213
51$12,315,741$4,941,435$3,707,908$10,156,708
52$13,508,613$5,120,232$3,768,789$11,018,172
53$14,821,163$5,305,795$3,829,715$11,962,083
54$16,265,535$5,498,392$3,890,624$12,996,677
55$17,855,110$5,698,304$3,951,451$14,131,023
56$19,604,633$5,905,822$4,012,126$15,375,112
57$21,530,348$6,121,250$4,072,575$16,739,944
58$23,650,156$6,344,905$4,132,719$18,237,636
59$25,983,783$6,577,115$4,192,476$19,881,536
60$28,552,960$6,818,225$4,251,755$21,686,344
61$31,381,636$7,068,593$4,310,463$23,668,252
62$34,496,200$7,328,591$4,368,501$25,845,099
63$37,925,729$7,598,609$4,425,762$28,236,533
64$41,702,265$7,879,051$4,482,136$30,864,200
65$45,861,112$8,170,341$4,537,504$33,751,942
66$50,441,175$8,472,918$4,591,741$36,926,029
67$55,485,326$8,787,242$4,644,715$40,415,399
68$61,040,803$9,113,791$4,696,287$44,251,932
69$67,159,662$9,453,064$4,746,309$48,470,750
70$73,899,265$9,805,581$4,794,628$53,110,550
71$81,322,821$10,171,885$4,841,078$58,213,961
72$89,499,983$10,552,541$4,885,489$63,827,955
73$98,507,505$10,948,141$4,927,677$70,004,279
74$108,429,969$11,359,298$4,967,453$76,799,949
75$119,360,577$11,786,654$5,004,613$84,277,784
76$131,402,036$12,230,880$5,038,948$92,506,999
77$144,667,524$12,692,674$5,070,233$101,563,854
78$159,281,759$13,172,763$5,098,234$111,532,376
79$175,382,179$13,671,908$5,122,705$122,505,147
80$193,120,232$14,190,903$5,143,386$134,584,178
81$212,662,813$14,730,574$5,160,006$147,881,872
82$234,193,832$15,291,784$5,172,279$162,522,078
83$257,915,957$15,875,436$5,179,905$178,641,265
84$284,052,521$16,482,469$5,182,568$196,389,802
85$312,849,632$17,113,864$5,179,938$215,933,379
86$344,578,497$17,770,645$5,171,668$237,454,568
87$379,537,979$18,453,883$5,157,395$261,154,545
88$418,057,422$19,164,692$5,136,736$287,254,985
89$460,499,755$19,904,237$5,109,293$316,000,155
90$507,264,920$20,673,735$5,074,644$347,659,213
91$558,793,650$21,474,456$5,032,353$382,528,751
92$615,571,623$22,307,725$4,981,957$420,935,591
93$678,134,051$23,174,926$4,922,975$463,239,865
94$747,070,731$24,077,505$4,854,902$509,838,413
95$823,031,614$25,016,971$4,777,209$561,168,530
96$906,732,936$25,994,900$4,689,344$617,712,084
97$998,963,984$27,012,939$4,590,725$680,000,068
98$1,100,594,545$28,072,806$4,480,748$748,617,606
99$1,212,583,113$29,176,299$4,358,779$824,209,475
100$1,335,985,946$30,325,293$4,224,153$907,486,187