Can I retire at age 35 with 2,710,000?

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 $2,710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$223,789$221,796$219,851$217,953$216,099$211,304
2 years$110,787$108,723$106,724$104,785$102,904$98,099
3 years$73,124$71,052$69,057$67,137$65,287$60,620
4 years$54,297$52,231$50,256$48,368$46,563$42,071
5 years$43,003$40,950$39,001$37,151$35,397$31,093
6 years$35,476$33,438$31,518$29,710$28,008$23,896
7 years$30,102$28,081$26,192$24,426$22,778$18,859
8 years$26,074$24,071$22,213$20,491$18,897$15,169
9 years$22,942$20,958$19,132$17,454$15,914$12,375
10 years$20,438$18,474$16,680$15,045$13,559$10,206
11 years$18,391$16,446$14,684$13,094$11,661$8,488
12 years$16,686$14,761$13,032$11,485$10,106$7,108
13 years$15,244$13,340$11,643$10,140$8,812$5,985
14 years$14,010$12,125$10,462$9,001$7,725$5,062
15 years$12,941$11,077$9,445$8,027$6,801$4,297
16 years$12,006$10,163$8,564$7,187$6,011$3,659
17 years$11,183$9,359$7,793$6,458$5,330$3,124
18 years$10,451$8,649$7,114$5,820$4,739$2,673
19 years$9,798$8,015$6,512$5,259$4,224$2,291
20 years$9,210$7,448$5,977$4,763$3,773$1,967
21 years$8,680$6,938$5,497$4,322$3,376$1,691
22 years$8,198$6,476$5,067$3,930$3,026$1,455
23 years$7,758$6,057$4,678$3,579$2,717$1,253
24 years$7,356$5,675$4,326$3,264$2,442$1,081
25 years$6,987$5,326$4,007$2,981$2,197$932
26 years$6,646$5,005$3,716$2,726$1,979$805
27 years$6,332$4,711$3,451$2,495$1,784$695
28 years$6,040$4,439$3,208$2,286$1,610$601
29 years$5,769$4,187$2,985$2,096$1,454$519
30 years$5,516$3,955$2,781$1,924$1,314$449
31 years$5,281$3,738$2,593$1,767$1,188$388
32 years$5,060$3,537$2,419$1,624$1,074$336
33 years$4,853$3,350$2,259$1,493$972$291
34 years$4,659$3,175$2,110$1,374$880$252
35 years$4,476$3,011$1,973$1,265$797$218
36 years$4,304$2,858$1,846$1,165$722$189
37 years$4,142$2,715$1,727$1,073$655$163
38 years$3,988$2,580$1,618$989$594$141
39 years$3,843$2,453$1,516$912$538$122
40 years$3,705$2,334$1,421$841$488$106
41 years$3,574$2,222$1,332$776$443$92
42 years$3,450$2,116$1,250$716$402$80
43 years$3,332$2,016$1,172$661$365$69
44 years$3,220$1,922$1,101$611$331$60
45 years$3,113$1,833$1,033$564$301$52
46 years$3,011$1,748$971$521$273$45
47 years$2,913$1,668$912$481$248$39
48 years$2,820$1,593$857$445$225$34
49 years$2,731$1,521$805$411$204$29
50 years$2,646$1,453$757$380$186$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,710,000, adding $5,518 every year, while hoping to spend $45,213 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: 67/9/24 Blend
34$2,710,000$2,710,000$2,710,000$2,710,000
35$2,992,112$2,848,482$2,806,477$3,173,780
36$3,249,201$2,939,951$2,852,388$3,387,969
37$3,530,998$3,034,387$2,898,321$3,616,462
38$3,839,975$3,131,887$2,944,230$3,865,311
39$4,178,855$3,232,553$2,990,065$4,136,522
40$4,550,638$3,336,488$3,035,772$4,432,309
41$4,958,628$3,443,800$3,081,294$4,755,105
42$5,406,463$3,554,601$3,126,573$5,107,594
43$5,898,152$3,669,006$3,171,542$5,492,730
44$6,438,110$3,787,134$3,216,136$5,913,769
45$7,031,202$3,909,109$3,260,281$6,374,294
46$7,682,786$4,035,056$3,303,902$6,878,257
47$8,398,765$4,165,109$3,346,918$7,430,008
48$9,185,643$4,299,403$3,389,243$8,034,341
49$10,050,583$4,438,079$3,430,788$8,696,536
50$11,001,480$4,581,282$3,471,456$9,422,411
51$12,047,029$4,729,163$3,511,148$10,218,378
52$13,196,811$4,881,877$3,549,757$11,091,497
53$14,461,382$5,039,585$3,587,170$12,049,550
54$15,852,371$5,202,453$3,623,268$13,101,111
55$17,382,594$5,370,654$3,657,928$14,255,626
56$19,066,167$5,544,365$3,691,018$15,523,504
57$20,918,647$5,723,770$3,722,398$16,916,213
58$22,957,174$5,909,059$3,751,923$18,446,390
59$25,200,632$6,100,429$3,779,439$20,127,959
60$27,669,830$6,298,084$3,804,784$21,976,264
61$30,387,697$6,502,235$3,827,788$24,008,212
62$33,379,496$6,713,098$3,848,273$26,242,431
63$36,673,064$6,930,900$3,866,050$28,699,451
64$40,299,076$7,155,873$3,880,922$31,401,891
65$44,291,329$7,388,258$3,892,680$34,374,680
66$48,687,068$7,628,306$3,901,108$37,645,283
67$53,527,329$7,876,273$3,905,975$41,243,970
68$58,857,334$8,132,428$3,907,043$45,204,095
69$64,726,911$8,397,046$3,904,058$49,562,411
70$71,190,968$8,670,413$3,896,756$54,359,420
71$78,310,009$8,952,825$3,884,859$59,639,756
72$86,150,706$9,244,589$3,868,078$65,452,602
73$94,786,525$9,546,022$3,846,106$71,852,155
74$104,298,424$9,857,450$3,818,624$78,898,141
75$114,775,612$10,179,214$3,785,297$86,656,378
76$126,316,395$10,511,666$3,745,774$95,199,393
77$139,029,097$10,855,168$3,699,688$104,607,112
78$153,033,091$11,210,097$3,646,653$114,967,612
79$168,459,918$11,576,843$3,586,268$126,377,951
80$185,454,531$11,955,809$3,518,109$138,945,090
81$204,176,662$12,347,414$3,441,735$152,786,896
82$224,802,333$12,752,088$3,356,684$168,033,257
83$247,525,511$13,170,281$3,262,474$184,827,312
84$272,559,944$13,602,455$3,158,597$203,326,797
85$300,141,174$14,049,091$3,044,526$223,705,538
86$330,528,763$14,510,686$2,919,707$246,155,089
87$364,008,742$14,987,754$2,783,562$270,886,544
88$400,896,309$15,480,830$2,635,486$298,132,529
89$441,538,806$15,990,464$2,474,849$328,149,394
90$486,318,997$16,517,229$2,300,988$361,219,641
91$535,658,678$17,061,717$2,113,216$397,654,585
92$590,022,665$17,624,543$1,910,809$437,797,296
93$649,923,172$18,206,341$1,693,017$482,025,838
94$715,924,654$18,807,770$1,459,052$530,756,838
95$788,649,131$19,429,513$1,208,092$584,449,419
96$868,782,060$20,072,276$939,280$643,609,535
97$957,078,804$20,736,792$651,721$708,794,752
98$1,054,371,768$21,423,821$344,479$780,619,505
99$1,161,578,248$22,134,148$16,579$859,760,904
100$1,279,709,097$22,868,588$0$946,965,128