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%13.7%
1 years$222,138$220,159$218,229$216,344$214,504$211,212
2 years$109,969$107,921$105,936$104,012$102,145$98,836
3 years$72,585$70,528$68,548$66,641$64,805$61,582
4 years$53,896$51,845$49,885$48,011$46,219$43,108
5 years$42,686$40,647$38,713$36,877$35,135$32,144
6 years$35,215$33,192$31,286$29,491$27,801$24,933
7 years$29,880$27,874$25,999$24,246$22,610$19,866
8 years$25,881$23,893$22,049$20,340$18,757$16,138
9 years$22,773$20,803$18,991$17,325$15,796$13,299
10 years$20,287$18,337$16,557$14,934$13,459$11,083
11 years$18,255$16,325$14,576$12,997$11,575$9,318
12 years$16,562$14,652$12,936$11,400$10,031$7,889
13 years$15,132$13,241$11,557$10,065$8,747$6,718
14 years$13,906$12,036$10,384$8,934$7,668$5,747
15 years$12,845$10,995$9,376$7,968$6,751$4,937
16 years$11,918$10,088$8,500$7,134$5,967$4,254
17 years$11,100$9,290$7,735$6,410$5,291$3,677
18 years$10,374$8,585$7,061$5,777$4,704$3,185
19 years$9,726$7,956$6,464$5,220$4,193$2,765
20 years$9,142$7,393$5,932$4,728$3,745$2,404
21 years$8,616$6,887$5,457$4,291$3,352$2,093
22 years$8,137$6,428$5,029$3,901$3,004$1,825
23 years$7,701$6,012$4,644$3,553$2,697$1,593
24 years$7,302$5,633$4,295$3,240$2,424$1,392
25 years$6,935$5,286$3,978$2,959$2,181$1,217
26 years$6,597$4,968$3,689$2,706$1,965$1,065
27 years$6,285$4,676$3,426$2,477$1,771$933
28 years$5,995$4,406$3,185$2,269$1,598$817
29 years$5,726$4,157$2,963$2,081$1,443$716
30 years$5,476$3,925$2,760$1,910$1,304$628
31 years$5,242$3,711$2,573$1,754$1,179$551
32 years$5,023$3,511$2,401$1,612$1,066$483
33 years$4,817$3,325$2,242$1,482$965$424
34 years$4,625$3,152$2,095$1,364$874$373
35 years$4,443$2,989$1,958$1,256$791$327
36 years$4,272$2,837$1,832$1,156$717$287
37 years$4,111$2,695$1,715$1,065$650$252
38 years$3,959$2,561$1,606$982$589$222
39 years$3,814$2,435$1,504$905$534$195
40 years$3,678$2,317$1,410$835$485$171
41 years$3,548$2,205$1,322$771$440$150
42 years$3,425$2,100$1,240$711$399$132
43 years$3,308$2,001$1,164$656$362$116
44 years$3,196$1,908$1,092$606$329$102
45 years$3,090$1,819$1,026$560$298$90
46 years$2,989$1,735$963$517$271$79
47 years$2,892$1,656$905$478$246$69
48 years$2,799$1,581$851$441$223$61
49 years$2,711$1,510$799$408$203$54
50 years$2,626$1,442$752$377$184$47

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 $2,784 every year, while hoping to spend $26,397 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: 49/44/7 Blend
34$2,690,000$2,690,000$2,690,000$2,690,000
35$2,967,252$2,824,682$2,782,987$3,107,140
36$3,241,825$2,935,005$2,848,131$3,313,325
37$3,543,520$3,049,849$2,914,572$3,534,114
38$3,875,076$3,169,408$2,982,327$3,773,300
39$4,239,509$3,293,885$3,051,410$4,032,607
40$4,640,143$3,423,489$3,121,836$4,313,928
41$5,080,640$3,558,443$3,193,620$4,619,345
42$5,565,035$3,698,976$3,266,776$4,951,141
43$6,097,772$3,845,329$3,341,317$5,311,831
44$6,683,750$3,997,755$3,417,256$5,704,176
45$7,328,363$4,156,516$3,494,604$6,131,211
46$8,037,557$4,321,886$3,573,375$6,596,276
47$8,817,883$4,494,154$3,653,578$7,103,039
48$9,676,557$4,673,618$3,735,223$7,655,538
49$10,621,533$4,860,592$3,818,320$8,258,212
50$11,661,572$5,055,403$3,902,876$8,915,945
51$12,806,329$5,258,395$3,988,899$9,634,108
52$14,066,443$5,469,924$4,076,396$10,418,611
53$15,453,635$5,690,366$4,165,370$11,275,959
54$16,980,822$5,920,110$4,255,826$12,213,304
55$18,662,236$6,159,565$4,347,766$13,238,523
56$20,513,559$6,409,159$4,441,191$14,360,279
57$22,552,072$6,669,338$4,536,101$15,588,112
58$24,796,816$6,940,568$4,632,494$16,932,517
59$27,268,774$7,223,339$4,730,365$18,405,050
60$29,991,067$7,518,160$4,829,709$20,018,432
61$32,989,170$7,825,564$4,930,520$21,786,664
62$36,291,159$8,146,111$5,032,786$23,725,164
63$39,927,970$8,480,383$5,136,496$25,850,905
64$43,933,691$8,828,990$5,241,637$28,182,575
65$48,345,888$9,192,570$5,348,192$30,740,751
66$53,205,954$9,571,791$5,456,142$33,548,093
67$58,559,503$9,967,351$5,565,465$36,629,552
68$64,456,800$10,379,979$5,676,136$40,012,605
69$70,953,235$10,810,440$5,788,128$43,727,511
70$78,109,844$11,259,530$5,901,409$47,807,597
71$85,993,888$11,728,087$6,015,946$52,289,564
72$94,679,485$12,216,983$6,131,700$57,213,835
73$104,248,310$12,727,134$6,248,630$62,624,933
74$114,790,369$13,259,494$6,366,690$68,571,897
75$126,404,843$13,815,065$6,485,830$75,108,742
76$139,201,027$14,394,894$6,605,996$82,294,963
77$153,299,363$15,000,075$6,727,128$90,196,100
78$168,832,574$15,631,755$6,849,163$98,884,343
79$185,946,918$16,291,132$6,972,032$108,439,218
80$204,803,568$16,979,462$7,095,659$118,948,329
81$225,580,133$17,698,057$7,219,965$130,508,182
82$248,472,336$18,448,291$7,344,862$143,225,091
83$273,695,858$19,231,601$7,470,260$157,216,178
84$301,488,380$20,049,494$7,596,058$172,610,472
85$332,111,818$20,903,542$7,722,149$189,550,123
86$365,854,803$21,795,396$7,848,421$208,191,737
87$403,035,402$22,726,779$7,974,751$228,707,854
88$444,004,118$23,699,496$8,101,011$251,288,561
89$489,147,206$24,715,439$8,227,063$276,143,291
90$538,890,311$25,776,586$8,352,759$303,502,787
91$593,702,490$26,885,006$8,477,944$333,621,276
92$654,100,641$28,042,868$8,602,451$366,778,859
93$720,654,378$29,252,440$8,726,106$403,284,154
94$793,991,414$30,516,100$8,848,720$443,477,194
95$874,803,482$31,836,332$8,970,096$487,732,637
96$963,852,867$33,215,742$9,090,023$536,463,288
97$1,061,979,601$34,657,055$9,208,281$590,123,990
98$1,170,109,394$36,163,125$9,324,632$649,215,908
99$1,289,262,375$37,736,940$9,438,830$714,291,254
100$1,420,562,717$39,381,630$9,550,610$785,958,483