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

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 $2,690,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$222,138$220,159$218,229$216,344$214,504$213,153
2 years$109,969$107,921$105,936$104,012$102,145$100,781
3 years$72,585$70,528$68,548$66,641$64,805$63,472
4 years$53,896$51,845$49,885$48,011$46,219$44,927
5 years$42,686$40,647$38,713$36,877$35,135$33,887
6 years$35,215$33,192$31,286$29,491$27,801$26,600
7 years$29,880$27,874$25,999$24,246$22,610$21,455
8 years$25,881$23,893$22,049$20,340$18,757$17,649
9 years$22,773$20,803$18,991$17,325$15,796$14,734
10 years$20,287$18,337$16,557$14,934$13,459$12,443
11 years$18,255$16,325$14,576$12,997$11,575$10,605
12 years$16,562$14,652$12,936$11,400$10,031$9,105
13 years$15,132$13,241$11,557$10,065$8,747$7,864
14 years$13,906$12,036$10,384$8,934$7,668$6,827
15 years$12,845$10,995$9,376$7,968$6,751$5,952
16 years$11,918$10,088$8,500$7,134$5,967$5,208
17 years$11,100$9,290$7,735$6,410$5,291$4,571
18 years$10,374$8,585$7,061$5,777$4,704$4,022
19 years$9,726$7,956$6,464$5,220$4,193$3,547
20 years$9,142$7,393$5,932$4,728$3,745$3,134
21 years$8,616$6,887$5,457$4,291$3,352$2,774
22 years$8,137$6,428$5,029$3,901$3,004$2,460
23 years$7,701$6,012$4,644$3,553$2,697$2,183
24 years$7,302$5,633$4,295$3,240$2,424$1,940
25 years$6,935$5,286$3,978$2,959$2,181$1,726
26 years$6,597$4,968$3,689$2,706$1,965$1,537
27 years$6,285$4,676$3,426$2,477$1,771$1,370
28 years$5,995$4,406$3,185$2,269$1,598$1,221
29 years$5,726$4,157$2,963$2,081$1,443$1,090
30 years$5,476$3,925$2,760$1,910$1,304$973
31 years$5,242$3,711$2,573$1,754$1,179$869
32 years$5,023$3,511$2,401$1,612$1,066$776
33 years$4,817$3,325$2,242$1,482$965$694
34 years$4,625$3,152$2,095$1,364$874$621
35 years$4,443$2,989$1,958$1,256$791$555
36 years$4,272$2,837$1,832$1,156$717$497
37 years$4,111$2,695$1,715$1,065$650$445
38 years$3,959$2,561$1,606$982$589$398
39 years$3,814$2,435$1,504$905$534$356
40 years$3,678$2,317$1,410$835$485$319
41 years$3,548$2,205$1,322$771$440$286
42 years$3,425$2,100$1,240$711$399$256
43 years$3,308$2,001$1,164$656$362$229
44 years$3,196$1,908$1,092$606$329$206
45 years$3,090$1,819$1,026$560$298$184
46 years$2,989$1,735$963$517$271$165
47 years$2,892$1,656$905$478$246$148
48 years$2,799$1,581$851$441$223$133
49 years$2,711$1,510$799$408$203$119
50 years$2,626$1,442$752$377$184$107

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 $2,887 every year, while hoping to spend $49,683 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: 40/41/19 Blend
34$2,690,000$2,690,000$2,690,000$2,690,000
35$2,967,358$2,824,788$2,783,093$3,069,226
36$3,217,166$2,910,340$2,823,464$3,227,820
37$3,490,790$2,998,419$2,863,523$3,394,293
38$3,790,605$3,089,097$2,903,206$3,573,359
39$4,119,230$3,182,446$2,942,446$3,766,190
40$4,479,547$3,278,541$2,981,174$3,974,075
41$4,874,731$3,377,460$3,019,314$4,198,433
42$5,308,280$3,479,282$3,056,787$4,440,823
43$5,784,045$3,584,087$3,093,509$4,702,961
44$6,306,269$3,691,959$3,129,393$4,986,738
45$6,879,626$3,802,982$3,164,346$5,294,230
46$7,509,264$3,917,244$3,198,267$5,627,727
47$8,200,854$4,034,835$3,231,054$5,989,745
48$8,960,644$4,155,845$3,262,598$6,383,058
49$9,795,517$4,280,368$3,292,782$6,810,716
50$10,713,055$4,408,502$3,321,486$7,276,079
51$11,721,611$4,540,343$3,348,580$7,782,848
52$12,830,389$4,675,993$3,373,931$8,335,095
53$14,049,527$4,815,555$3,397,396$8,937,306
54$15,390,195$4,959,134$3,418,825$9,594,423
55$16,864,702$5,106,838$3,438,063$10,311,885
56$18,486,607$5,258,778$3,454,943$11,095,685
57$20,270,850$5,415,067$3,469,292$11,952,424
58$22,233,891$5,575,821$3,480,929$12,889,370
59$24,393,869$5,741,157$3,489,660$13,914,534
60$26,770,766$5,911,196$3,495,286$15,036,736
61$29,386,601$6,086,061$3,497,596$16,265,693
62$32,265,636$6,265,880$3,496,367$17,612,111
63$35,434,602$6,450,780$3,491,367$19,087,785
64$38,922,957$6,640,893$3,482,352$20,705,706
65$42,763,155$6,836,353$3,469,068$22,480,189
66$46,990,960$7,037,298$3,451,245$24,427,005
67$51,645,780$7,243,867$3,428,603$26,563,531
68$56,771,035$7,456,203$3,400,848$28,908,909
69$62,414,575$7,674,450$3,367,670$31,484,235
70$68,629,121$7,898,758$3,328,747$34,312,748
71$75,472,772$8,129,278$3,283,740$37,420,057
72$83,009,544$8,366,162$3,232,295$40,834,378
73$91,309,982$8,609,568$3,174,041$44,586,800
74$100,451,818$8,859,655$3,108,589$48,711,582
75$110,520,711$9,116,585$3,035,534$53,246,471
76$121,611,049$9,380,524$2,954,450$58,233,063
77$133,826,844$9,651,637$2,864,892$63,717,190
78$147,282,711$9,930,097$2,766,396$69,749,357
79$162,104,951$10,216,075$2,658,473$76,385,217
80$178,432,741$10,509,748$2,540,617$83,686,094
81$196,419,448$10,811,292$2,412,295$91,719,566
82$216,234,075$11,120,889$2,272,950$100,560,098
83$238,062,860$11,438,722$2,122,003$110,289,748
84$262,111,027$11,764,975$1,958,846$120,998,941
85$288,604,728$12,099,835$1,782,844$132,787,321
86$317,793,176$12,443,493$1,593,335$145,764,691
87$349,950,995$12,796,139$1,389,626$160,052,054
88$385,380,813$13,157,966$1,170,995$175,782,749
89$424,416,119$13,529,170$936,687$193,103,715
90$467,424,410$13,909,946$685,913$212,176,874
91$514,810,659$14,300,492$417,850$233,180,662
92$567,021,138$14,701,008$131,639$256,311,714
93$624,547,629$15,111,692$0$281,786,717
94$687,932,067$15,532,745$0$309,879,693
95$757,771,656$15,964,368$0$340,849,322
96$834,724,505$16,406,762$0$374,959,067
97$919,515,839$16,860,127$0$412,528,693
98$1,012,944,846$17,324,665$0$453,910,566
99$1,115,892,221$17,800,575$0$499,492,982
100$1,229,328,479$18,288,054$0$549,703,828