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%16.8%
1 years$222,138$220,159$218,229$216,344$214,504$208,558
2 years$109,969$107,921$105,936$104,012$102,145$96,198
3 years$72,585$70,528$68,548$66,641$64,805$59,044
4 years$53,896$51,845$49,885$48,011$46,219$40,689
5 years$42,686$40,647$38,713$36,877$35,135$29,850
6 years$35,215$33,192$31,286$29,491$27,801$22,767
7 years$29,880$27,874$25,999$24,246$22,610$17,826
8 years$25,881$23,893$22,049$20,340$18,757$14,221
9 years$22,773$20,803$18,991$17,325$15,796$11,504
10 years$20,287$18,337$16,557$14,934$13,459$9,405
11 years$18,255$16,325$14,576$12,997$11,575$7,753
12 years$16,562$14,652$12,936$11,400$10,031$6,433
13 years$15,132$13,241$11,557$10,065$8,747$5,366
14 years$13,906$12,036$10,384$8,934$7,668$4,495
15 years$12,845$10,995$9,376$7,968$6,751$3,779
16 years$11,918$10,088$8,500$7,134$5,967$3,186
17 years$11,100$9,290$7,735$6,410$5,291$2,693
18 years$10,374$8,585$7,061$5,777$4,704$2,280
19 years$9,726$7,956$6,464$5,220$4,193$1,934
20 years$9,142$7,393$5,932$4,728$3,745$1,643
21 years$8,616$6,887$5,457$4,291$3,352$1,397
22 years$8,137$6,428$5,029$3,901$3,004$1,189
23 years$7,701$6,012$4,644$3,553$2,697$1,013
24 years$7,302$5,633$4,295$3,240$2,424$864
25 years$6,935$5,286$3,978$2,959$2,181$737
26 years$6,597$4,968$3,689$2,706$1,965$629
27 years$6,285$4,676$3,426$2,477$1,771$537
28 years$5,995$4,406$3,185$2,269$1,598$459
29 years$5,726$4,157$2,963$2,081$1,443$392
30 years$5,476$3,925$2,760$1,910$1,304$335
31 years$5,242$3,711$2,573$1,754$1,179$287
32 years$5,023$3,511$2,401$1,612$1,066$245
33 years$4,817$3,325$2,242$1,482$965$210
34 years$4,625$3,152$2,095$1,364$874$179
35 years$4,443$2,989$1,958$1,256$791$153
36 years$4,272$2,837$1,832$1,156$717$131
37 years$4,111$2,695$1,715$1,065$650$112
38 years$3,959$2,561$1,606$982$589$96
39 years$3,814$2,435$1,504$905$534$82
40 years$3,678$2,317$1,410$835$485$70
41 years$3,548$2,205$1,322$771$440$60
42 years$3,425$2,100$1,240$711$399$52
43 years$3,308$2,001$1,164$656$362$44
44 years$3,196$1,908$1,092$606$329$38
45 years$3,090$1,819$1,026$560$298$32
46 years$2,989$1,735$963$517$271$28
47 years$2,892$1,656$905$478$246$24
48 years$2,799$1,581$851$441$223$20
49 years$2,711$1,510$799$408$203$17
50 years$2,626$1,442$752$377$184$15

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 $6,200 every year, while hoping to spend $25,583 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: 35/45/20 Blend
34$2,690,000$2,690,000$2,690,000$2,690,000
35$2,970,775$2,828,205$2,786,510$3,056,442
36$3,246,574$2,939,567$2,852,638$3,231,221
37$3,549,647$3,055,528$2,920,124$3,416,860
38$3,882,749$3,176,287$2,988,986$3,616,633
39$4,248,915$3,302,051$3,059,243$3,831,811
40$4,651,490$3,433,036$3,130,912$4,063,790
41$5,094,155$3,569,469$3,204,012$4,314,102
42$5,580,972$3,711,586$3,278,559$4,584,426
43$6,116,411$3,859,633$3,354,571$4,876,609
44$6,705,400$4,013,870$3,432,063$5,192,676
45$7,353,366$4,174,565$3,511,053$5,534,851
46$8,066,292$4,342,001$3,591,556$5,905,577
47$8,850,766$4,516,472$3,673,586$6,307,539
48$9,714,051$4,698,286$3,757,158$6,743,686
49$10,664,148$4,887,765$3,842,286$7,217,257
50$11,709,870$5,085,246$3,928,982$7,731,816
51$12,860,933$5,291,079$4,017,259$8,291,277
52$14,128,039$5,505,632$4,107,128$8,899,943
53$15,522,981$5,729,291$4,198,599$9,562,548
54$17,058,755$5,962,456$4,291,682$10,284,296
55$18,749,679$6,205,547$4,386,384$11,070,908
56$20,611,532$6,459,004$4,482,713$11,928,680
57$22,661,700$6,723,287$4,580,676$12,864,536
58$24,919,340$6,998,875$4,680,275$13,886,092
59$27,405,563$7,286,270$4,781,514$15,001,728
60$30,143,630$7,585,997$4,884,395$16,220,666
61$33,159,176$7,898,607$4,988,918$17,553,050
62$36,480,446$8,224,672$5,095,081$19,010,047
63$40,138,565$8,564,794$5,202,879$20,603,944
64$44,167,831$8,919,601$5,312,308$22,348,265
65$48,606,038$9,289,751$5,423,359$24,257,897
66$53,494,835$9,675,930$5,536,023$26,349,225
67$58,880,116$10,078,858$5,650,287$28,640,288
68$64,812,452$10,499,286$5,766,136$31,150,944
69$71,347,574$10,938,003$5,883,553$33,903,056
70$78,546,892$11,395,830$6,002,517$36,920,694
71$86,478,079$11,873,630$6,123,006$40,230,362
72$95,215,708$12,372,303$6,244,992$43,861,242
73$104,841,957$12,892,793$6,368,446$47,845,470
74$115,447,382$13,436,085$6,493,334$52,218,432
75$127,131,774$14,003,212$6,619,619$57,019,097
76$140,005,100$14,595,254$6,747,262$62,290,381
77$154,188,540$15,213,342$6,876,215$68,079,548
78$169,815,633$15,858,658$7,006,431$74,438,652
79$187,033,536$16,532,440$7,137,854$81,425,025
80$206,004,411$17,235,984$7,270,426$89,101,812
81$226,906,959$17,970,645$7,404,084$97,538,564
82$249,938,105$18,737,843$7,538,757$106,811,893
83$275,314,857$19,539,063$7,674,370$117,006,183
84$303,276,354$20,375,858$7,810,843$128,214,389
85$334,086,124$21,249,858$7,948,089$140,538,902
86$368,034,572$22,162,764$8,086,013$154,092,517
87$405,441,718$23,116,360$8,224,515$168,999,487
88$446,660,224$24,112,512$8,363,487$185,396,693
89$492,078,716$25,153,174$8,502,813$203,434,926
90$542,125,458$26,240,392$8,642,369$223,280,308
91$597,272,390$27,376,307$8,782,025$245,115,850
92$658,039,589$28,563,161$8,921,638$269,143,175
93$725,000,173$29,803,302$9,061,058$295,584,413
94$798,785,714$31,099,187$9,200,126$324,684,288
95$880,092,199$32,453,389$9,338,673$356,712,421
96$969,686,601$33,868,602$9,476,516$391,965,870
97$1,068,414,119$35,347,649$9,613,464$430,771,921
98$1,177,206,158$36,893,483$9,749,314$473,491,167
99$1,297,089,119$38,509,197$9,883,850$520,520,910
100$1,429,194,093$40,198,031$10,016,842$572,298,892