Can I retire at age 35 with 2,690,000?

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 $2,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$222,138$220,159$218,229$216,344$214,504$208,895
2 years$109,969$107,921$105,936$104,012$102,145$96,532
3 years$72,585$70,528$68,548$66,641$64,805$59,364
4 years$53,896$51,845$49,885$48,011$46,219$40,992
5 years$42,686$40,647$38,713$36,877$35,135$30,136
6 years$35,215$33,192$31,286$29,491$27,801$23,035
7 years$29,880$27,874$25,999$24,246$22,610$18,077
8 years$25,881$23,893$22,049$20,340$18,757$14,455
9 years$22,773$20,803$18,991$17,325$15,796$11,722
10 years$20,287$18,337$16,557$14,934$13,459$9,607
11 years$18,255$16,325$14,576$12,997$11,575$7,940
12 years$16,562$14,652$12,936$11,400$10,031$6,606
13 years$15,132$13,241$11,557$10,065$8,747$5,525
14 years$13,906$12,036$10,384$8,934$7,668$4,641
15 years$12,845$10,995$9,376$7,968$6,751$3,912
16 years$11,918$10,088$8,500$7,134$5,967$3,308
17 years$11,100$9,290$7,735$6,410$5,291$2,804
18 years$10,374$8,585$7,061$5,777$4,704$2,381
19 years$9,726$7,956$6,464$5,220$4,193$2,026
20 years$9,142$7,393$5,932$4,728$3,745$1,726
21 years$8,616$6,887$5,457$4,291$3,352$1,472
22 years$8,137$6,428$5,029$3,901$3,004$1,257
23 years$7,701$6,012$4,644$3,553$2,697$1,075
24 years$7,302$5,633$4,295$3,240$2,424$919
25 years$6,935$5,286$3,978$2,959$2,181$787
26 years$6,597$4,968$3,689$2,706$1,965$674
27 years$6,285$4,676$3,426$2,477$1,771$577
28 years$5,995$4,406$3,185$2,269$1,598$495
29 years$5,726$4,157$2,963$2,081$1,443$424
30 years$5,476$3,925$2,760$1,910$1,304$364
31 years$5,242$3,711$2,573$1,754$1,179$312
32 years$5,023$3,511$2,401$1,612$1,066$268
33 years$4,817$3,325$2,242$1,482$965$230
34 years$4,625$3,152$2,095$1,364$874$197
35 years$4,443$2,989$1,958$1,256$791$169
36 years$4,272$2,837$1,832$1,156$717$145
37 years$4,111$2,695$1,715$1,065$650$125
38 years$3,959$2,561$1,606$982$589$107
39 years$3,814$2,435$1,504$905$534$92
40 years$3,678$2,317$1,410$835$485$79
41 years$3,548$2,205$1,322$771$440$68
42 years$3,425$2,100$1,240$711$399$58
43 years$3,308$2,001$1,164$656$362$50
44 years$3,196$1,908$1,092$606$329$43
45 years$3,090$1,819$1,026$560$298$37
46 years$2,989$1,735$963$517$271$32
47 years$2,892$1,656$905$478$246$27
48 years$2,799$1,581$851$441$223$23
49 years$2,711$1,510$799$408$203$20
50 years$2,626$1,442$752$377$184$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,690,000, adding $4,912 every year, while hoping to spend $52,351 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: 47/26/27 Blend
34$2,690,000$2,690,000$2,690,000$2,690,000
35$2,969,447$2,826,877$2,785,182$3,085,835
36$3,216,629$2,909,693$2,822,784$3,251,178
37$3,487,270$2,994,812$2,859,892$3,425,046
38$3,783,706$3,082,292$2,896,433$3,612,764
39$4,108,511$3,172,192$2,932,331$3,815,661
40$4,464,522$3,264,572$2,967,506$4,035,198
41$4,854,858$3,359,491$3,001,873$4,272,986
42$5,282,961$3,457,013$3,035,343$4,530,798
43$5,752,616$3,557,200$3,067,820$4,810,586
44$6,267,996$3,660,116$3,099,205$5,114,501
45$6,833,696$3,765,826$3,129,393$5,444,912
46$7,454,779$3,874,397$3,158,273$5,804,427
47$8,136,818$3,985,895$3,185,728$6,195,921
48$8,885,959$4,100,388$3,211,634$6,622,559
49$9,708,965$4,217,946$3,235,863$7,087,828
50$10,613,293$4,338,639$3,258,277$7,595,570
51$11,607,153$4,462,536$3,278,734$8,150,020
52$12,699,593$4,589,711$3,297,082$8,755,838
53$13,900,580$4,720,236$3,313,163$9,418,165
54$15,221,095$4,854,183$3,326,810$10,142,661
55$16,673,237$4,991,628$3,337,847$10,935,563
56$18,270,333$5,132,644$3,346,092$11,803,746
57$20,027,071$5,277,308$3,351,350$12,754,781
58$21,959,631$5,425,695$3,353,419$13,797,014
59$24,085,841$5,577,881$3,352,086$14,939,640
60$26,425,344$5,733,944$3,347,127$16,192,793
61$28,999,782$5,893,960$3,338,309$17,567,637
62$31,833,003$6,058,008$3,325,386$19,076,478
63$34,951,283$6,226,164$3,308,100$20,732,873
64$38,383,574$6,398,506$3,286,181$22,551,765
65$42,161,777$6,575,111$3,259,347$24,549,618
66$46,321,044$6,756,057$3,227,301$26,744,578
67$50,900,107$6,941,421$3,189,732$29,156,641
68$55,941,646$7,131,278$3,146,316$31,807,842
69$61,492,688$7,325,705$3,096,712$34,722,465
70$67,605,053$7,524,776$3,040,563$37,927,271
71$74,335,844$7,728,565$2,977,497$41,451,751
72$81,747,980$7,937,144$2,907,123$45,328,405
73$89,910,795$8,150,586$2,829,033$49,593,050
74$98,900,689$8,368,958$2,742,799$54,285,157
75$108,801,851$8,592,328$2,647,974$59,448,225
76$119,707,051$8,820,763$2,544,092$65,130,189
77$131,718,514$9,054,324$2,430,663$71,383,879
78$144,948,888$9,293,072$2,307,176$78,267,513
79$159,522,306$9,537,064$2,173,098$85,845,252
80$175,575,555$9,786,354$2,027,870$94,187,802
81$193,259,367$10,040,990$1,870,909$103,373,085
82$212,739,843$10,301,020$1,701,606$113,486,974
83$234,200,021$10,566,484$1,519,324$124,624,106
84$257,841,600$10,837,418$1,323,397$136,888,773
85$283,886,845$11,113,853$1,113,133$150,395,911
86$312,580,685$11,395,814$887,804$165,272,182
87$344,193,024$11,683,318$646,655$181,657,176
88$379,021,288$11,976,377$388,894$199,704,725
89$417,393,234$12,274,993$113,696$219,584,356
90$459,670,039$12,579,163$0$241,482,898
91$506,249,713$12,888,872$0$265,658,095
92$557,570,853$13,204,097$0$292,323,319
93$614,116,786$13,524,803$0$321,696,103
94$676,420,125$13,850,946$0$354,052,295
95$745,067,803$14,182,467$0$389,695,874
96$820,706,608$14,519,297$0$428,961,814
97$904,049,291$14,861,352$0$472,219,254
98$995,881,292$15,208,531$0$519,874,974
99$1,097,068,154$15,560,719$0$572,377,242
100$1,208,563,696$15,917,785$0$630,220,037