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%12.8%
1 years$223,789$221,796$219,851$217,953$216,099$213,576
2 years$110,787$108,723$106,724$104,785$102,904$100,365
3 years$73,124$71,052$69,057$67,137$65,287$62,809
4 years$54,297$52,231$50,256$48,368$46,563$44,167
5 years$43,003$40,950$39,001$37,151$35,397$33,089
6 years$35,476$33,438$31,518$29,710$28,008$25,792
7 years$30,102$28,081$26,192$24,426$22,778$20,654
8 years$26,074$24,071$22,213$20,491$18,897$16,864
9 years$22,942$20,958$19,132$17,454$15,914$13,973
10 years$20,438$18,474$16,680$15,045$13,559$11,708
11 years$18,391$16,446$14,684$13,094$11,661$9,898
12 years$16,686$14,761$13,032$11,485$10,106$8,429
13 years$15,244$13,340$11,643$10,140$8,812$7,220
14 years$14,010$12,125$10,462$9,001$7,725$6,214
15 years$12,941$11,077$9,445$8,027$6,801$5,371
16 years$12,006$10,163$8,564$7,187$6,011$4,657
17 years$11,183$9,359$7,793$6,458$5,330$4,051
18 years$10,451$8,649$7,114$5,820$4,739$3,532
19 years$9,798$8,015$6,512$5,259$4,224$3,086
20 years$9,210$7,448$5,977$4,763$3,773$2,701
21 years$8,680$6,938$5,497$4,322$3,376$2,368
22 years$8,198$6,476$5,067$3,930$3,026$2,079
23 years$7,758$6,057$4,678$3,579$2,717$1,827
24 years$7,356$5,675$4,326$3,264$2,442$1,608
25 years$6,987$5,326$4,007$2,981$2,197$1,416
26 years$6,646$5,005$3,716$2,726$1,979$1,248
27 years$6,332$4,711$3,451$2,495$1,784$1,100
28 years$6,040$4,439$3,208$2,286$1,610$971
29 years$5,769$4,187$2,985$2,096$1,454$857
30 years$5,516$3,955$2,781$1,924$1,314$757
31 years$5,281$3,738$2,593$1,767$1,188$669
32 years$5,060$3,537$2,419$1,624$1,074$592
33 years$4,853$3,350$2,259$1,493$972$523
34 years$4,659$3,175$2,110$1,374$880$463
35 years$4,476$3,011$1,973$1,265$797$410
36 years$4,304$2,858$1,846$1,165$722$363
37 years$4,142$2,715$1,727$1,073$655$321
38 years$3,988$2,580$1,618$989$594$284
39 years$3,843$2,453$1,516$912$538$252
40 years$3,705$2,334$1,421$841$488$223
41 years$3,574$2,222$1,332$776$443$197
42 years$3,450$2,116$1,250$716$402$175
43 years$3,332$2,016$1,172$661$365$155
44 years$3,220$1,922$1,101$611$331$137
45 years$3,113$1,833$1,033$564$301$122
46 years$3,011$1,748$971$521$273$108
47 years$2,913$1,668$912$481$248$95
48 years$2,820$1,593$857$445$225$85
49 years$2,731$1,521$805$411$204$75
50 years$2,646$1,453$757$380$186$66

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 $5,243 every year, while hoping to spend $53,443 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: 29/48/23 Blend
34$2,710,000$2,710,000$2,710,000$2,710,000
35$2,991,828$2,848,198$2,806,193$3,056,970
36$3,240,132$2,930,897$2,843,338$3,190,580
37$3,511,971$3,015,857$2,879,935$3,329,041
38$3,809,690$3,103,132$2,915,911$3,476,795
39$4,135,871$3,192,778$2,951,187$3,634,676
40$4,493,357$3,284,851$2,985,678$3,803,600
41$4,885,278$3,379,407$3,019,297$3,984,576
42$5,315,084$3,476,505$3,051,951$4,178,713
43$5,786,572$3,576,204$3,083,541$4,387,232
44$6,303,926$3,678,562$3,113,964$4,611,474
45$6,871,755$3,783,640$3,143,111$4,852,918
46$7,495,135$3,891,499$3,170,866$5,113,189
47$8,179,657$4,002,201$3,197,108$5,394,075
48$8,931,481$4,115,808$3,221,710$5,697,547
49$9,757,392$4,232,383$3,244,537$6,025,774
50$10,664,866$4,351,989$3,265,448$6,381,142
51$11,662,136$4,474,690$3,284,295$6,766,281
52$12,758,276$4,600,552$3,300,921$7,184,085
53$13,963,281$4,729,640$3,315,162$7,637,742
54$15,288,161$4,862,017$3,326,846$8,130,764
55$16,745,048$4,997,751$3,335,790$8,667,017
56$18,347,309$5,136,907$3,341,805$9,250,762
57$20,109,670$5,279,551$3,344,691$9,886,690
58$22,048,357$5,425,749$3,344,238$10,579,970
59$24,181,245$5,575,567$3,340,227$11,336,297
60$26,528,033$5,729,071$3,332,425$12,161,943
61$29,110,423$5,886,326$3,320,592$13,063,821
62$31,952,327$6,047,397$3,304,473$14,049,544
63$35,080,094$6,212,349$3,283,802$15,127,502
64$38,522,755$6,381,245$3,258,300$16,306,940
65$42,312,298$6,554,148$3,227,676$17,598,043
66$46,483,972$6,731,121$3,191,623$19,012,034
67$51,076,615$6,912,224$3,149,820$20,561,279
68$56,133,023$7,097,516$3,101,932$22,259,406
69$61,700,353$7,287,055$3,047,608$24,121,430
70$67,830,565$7,480,897$2,986,479$26,163,899
71$74,580,917$7,679,096$2,918,160$28,405,047
72$82,014,502$7,881,703$2,842,250$30,864,967
73$90,200,842$8,088,767$2,758,326$33,565,802
74$99,216,546$8,300,335$2,665,948$36,531,953
75$109,146,030$8,516,448$2,564,654$39,790,311
76$120,082,319$8,737,147$2,453,963$43,370,510
77$132,127,915$8,962,467$2,333,371$47,305,206
78$145,395,775$9,192,440$2,202,351$51,630,389
79$160,010,366$9,427,092$2,060,352$56,385,719
80$176,108,849$9,666,445$1,906,800$61,614,904
81$193,842,366$9,910,515$1,741,092$67,366,112
82$213,377,469$10,159,313$1,562,601$73,692,427
83$234,897,694$10,412,842$1,370,670$80,652,348
84$258,605,287$10,671,099$1,164,616$88,310,345
85$284,723,117$10,934,074$943,721$96,737,469
86$313,496,778$11,201,747$707,239$106,012,020
87$345,196,908$11,474,091$454,391$116,220,288
88$380,121,740$11,751,069$184,360$127,457,372
89$418,599,920$12,032,634$0$139,828,075
90$460,993,605$12,318,727$0$153,473,371
91$507,701,886$12,609,277$0$168,545,011
92$559,164,550$12,904,203$0$185,138,205
93$615,866,234$13,203,409$0$203,407,786
94$678,340,996$13,506,782$0$223,524,369
95$747,177,361$13,814,198$0$245,675,970
96$823,023,871$14,125,513$0$270,069,776
97$906,595,210$14,440,567$0$296,934,103
98$998,678,946$14,759,180$0$326,520,550
99$1,100,142,971$15,081,152$0$359,106,375
100$1,211,943,688$15,406,262$0$394,997,112